Foremost vs. Redpoint County Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Redpoint County Mutual offers significantly less expensive premiums than Foremost
• Foremost may help you save more money -- they offer more discounts than Redpoint County Mutual
• Redpoint County Mutual has cheaper rates for policyholders who drive fewer than 6,000 miles annually

Foremost or Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering substantial savings. But exactly how much can you save by switching?

You might have narrowed it down to Foremost or Redpoint County Mutual, but between the two, which carrier will save you the most?

Looking at nationwide averages, Redpoint County Mutual is quite a bit cheaper than Foremost, with premiums averaging $196 a month compared to $270 with Foremost.

Even so, that doesn't necessarily mean Redpoint County Mutual will be the more affordable option for every single driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things). So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Foremost and Redpoint County Mutual by many different rate factors, so read on to find out which company is the best for you.

Foremost vs. Redpoint County Mutual: Average Car Insurance Rates by State

Foremost and Redpoint County Mutual only compete against each other in Texas, where Redpoint County Mutual offers the cheaper average prices. Redpoint County Mutual drivers tend to pay about $41 per month less on average compared to drivers who use Foremost for their car insurance.

But there's more to calculating auto insurance rates than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Redpoint County Mutual save over 30% a month compared to those who use Foremost.

But both companies will drop prices by the time drivers turn 25. Redpoint County Mutual offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Foremost's average premiums reduce more than 60% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest insurance rates you can find. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise prices.

When looking at Foremost and Redpoint County Mutual specifically, which carrier is best for retired drivers? Redpoint County Mutual gets the edge, with rates for drivers 65 and older over 30% less expensive than the national average for Foremost.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable auto insurance premiums than those who are single. This usually boils down to married couples having multiple vehicles on their policy -- something lots of insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Redpoint County Mutual premiums coming in at a quarter less than Foremost's. The advantage is also clear for married drivers - Redpoint County Mutual offers the lowest average prices.

Foremost or Redpoint County Mutual: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because men are statistically more likely than women to get speeding tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher premiums.

Men usually pay around $4 per month more than women with Foremost, and about $18 more with Redpoint County Mutual.

Looking at overall affordability, Redpoint County Mutual offers the most affordable average prices for both men and women, with average rates 25% less for men and 30% cheaper for women.

Foremost vs. Redpoint County Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Redpoint County Mutual has the significant edge, with average monthly premiums coming in at $115. If you want a full coverage policy with the same state minimum limits, Redpoint County Mutual again has the edge, with policies averaging around $277 a month to Foremost's $366.

Is Foremost or Redpoint County Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and accidents will most likely raise your prices, but is Foremost or Redpoint County Mutual cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual insurance policies don't report seeing their rates increase after getting a ticket, but Foremost policyholders can expect to see their monthly bill increase by about 20%.

That being said, Redpoint County Mutual has less expensive prices for drivers in both categories, offering premiums that are $63 and $119 cheaper, respectively, compared to Foremost Insurance Group.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Foremost can expect to see around an $179 -- or about 47% -- rise in their car insurance rates. Drivers who use Redpoint County Mutual for their auto insurance will see a monthly bill around $67 (or 33%) more expensive after reporting an accident to their insurance company.

At the end of the day, Redpoint County Mutual offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $206 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Redpoint County Mutual will climb your rates about 54% after a DUI, while Foremost's average prices climb by more than 15%.

But if you end up with a DUI charge and are looking for more affordable premiums, Foremost tends to be more affordable for the average driver, with monthly premiums coming in at around $238 to Redpoint County Mutual's $301.

How does Credit Score Impact Foremost and Redpoint County Mutual Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it does affect many drivers out there.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

Looking at Foremost and Redpoint County Mutual specifically, which one has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Redpoint County Mutual will usually reward you the most. For policyholders with "excellent" credit scores, Redpoint County Mutual comes in nearly 33.47 cheaper. Drivers with "good" credit scores typically save about 32% with Redpoint County Mutual compared to average rates from Foremost.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower premiums than Foremost when it comes to drivers with bad credit. Drivers with "fair" credit pay around 26% per month less with Redpoint County Mutual compared to Foremost, and those with "poor" scores normally save an average of about 20% monthly.

Is Foremost or Redpoint County Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a considerable impact on how much auto insurance companies will charge for coverage? Usually, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Foremost or Redpoint County Mutual report increasing rates for drivers with higher annual mileage figures. Even so, Redpoint County Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average prices of $196 a month for both.

Foremost or Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a pretty big role in how much you pay for car insurance. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

Redpoint County Mutual boasts the lowest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Redpoint County Mutual's average prices are around $80 less than Foremost Insurance Group. People who live in suburban areas pay about $110 less with Redpoint County Mutual compared to Foremost. Those in rural areas can expect to save around $32 with Redpoint County Mutual compared to Foremost.

Foremost vs. Redpoint County Mutual Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Foremost and Redpoint County Mutual so that you can see which company can save you the most money each month.

Foremost knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Redpoint County Mutual.

A couple of those are overlapping for things like discounts for being a good driver. Foremost also offers discounts for advance quote, anti-theft, defensive driver, and more.

On the other hand, Redpoint County Mutual has a few proprietary discounts of their own like group discounts and passive restraint discounts.

Final Thoughts: Is Foremost or Redpoint County Mutual Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best one for you, your vehicle, and your wallet?

Redpoint County Mutual might be best for you if....

• You have below-average credit.
• You already have a great credit score.
• You have a short commute.

Foremost might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for discounts -- Foremost has the most.

Hopefully, this guide has ben a valuable resource as you compare Foremost and Redpoint County Mutual and that you can now make a more informed decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of carriers, not just Foremost and Redpoint County Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Foremost vs. Redpoint County Mutual FAQs

Is Foremost or Redpoint County Mutual cheaper?

Redpoint County Mutual is the less expensive of the two carriers when looking at national average rates, with policies averaging $196 per month with Redpoint County Mutual and $270 for Foremost. However, that doesn't mean Redpoint County Mutual will be the cheapest carrier for each policyholder, since there are a variety of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Foremost or Redpoint County Mutual?

Unfortunately, the real answer is "it depends.". No single company is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Redpoint County Mutual is more affordable for drivers with excellent credit, while Foremost offers less expensive prices for drivers with a recent DUI.

Why do Foremost and Redpoint County Mutual offer me different rates?

Car insurance companies use quite a few different variables when determining the rates they charge. Things like your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Foremost and Redpoint County Mutual use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Foremost or Redpoint County Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Foremost or Redpoint County Mutual at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.