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

Quick Facts

• In general, Southern County Mutual offers significantly cheaper premiums than Foremost
• Foremost may help you save more money -- they offer more discounts than Southern County Mutual Insurance Company
• Southern County Mutual has less expensive prices for drivers who have below-average credit

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

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

You might have narrowed it down to Foremost or Southern County Mutual as your top options, but which company will offer you more affordable rates?

As you can see, Southern County Mutual has average rates that are around 35% a month cheaper than those from Foremost when looking at the national average rates for auto insurance.

That being said, that doesn't mean Southern County Mutual will necessarily be less expensive than Foremost for every driver. Insurance carriers vary their prices depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and tons of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

So, if you want to find out which of Foremost or Southern County Mutual is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

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

Foremost and Southern County Mutual only compete against each other in Texas, where Southern County Mutual offers the cheaper average premiums. Southern County Mutual drivers tend to pay about $58 per month less on average compared to drivers who use Foremost for their auto insurance.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance companies determine your rates. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers. It's typically because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Southern County Mutual save over 35% a month compared to those who use Foremost.

Even so, both carriers will drop premiums once you turn 25. For example, average prices for Foremost policyholders reduce about $350 and Southern County Mutual's premiums lower almost $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable auto insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best rates for retired drivers between Foremost and Southern County Mutual? Southern County Mutual gets the edge, with prices for drivers 65 and older more than 40% more affordable than the national average for Foremost.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be less expensive for married drivers than they are for single drivers. This usually boils down to married couples having several vehicles on their policy -- something a lot of car insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with Southern County Mutual prices coming in at a third less than Foremost's. The advantage for married policyholders with Southern County Mutual is also obvious, where drivers save around 30% per month.

Foremost or Southern County Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

Women normally pay about 1% a month less than men with Foremost, and nearly 10% less with Southern County Mutual when compared to their male counterparts.

When it comes to the lowest rates for each gender, Southern County Mutual comes out as the cheapest option for both genders. On average, women save about $98 per month and men save around $84 with Southern County Mutual compared to the average Foremost policyholder.

Foremost vs. Southern 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, car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Southern County Mutual has the significant edge, with average monthly prices coming in at $105. If you want a full coverage policy with the same state minimum limits, Southern County Mutual again has the edge, with policies averaging about $254 a month to Foremost's $366.

Is Foremost or Southern 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 at-fault collisions will most likely raise your premiums, but is Foremost or Southern County Mutual cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Foremost for their auto insurance can generally expect their monthly bill to go up around 22% after getting a speeding ticket. Southern County Mutual policyholders can expect a less drastic increase of about 6%.

However, Southern County Mutual is usually the more affordable option for drivers both with a ticket and with a clean record, offering rates that are $36 and $82 cheaper, respectively, compared to Foremost Insurance Group.

Which Company is Best for Drivers After an Accident?

Foremost drivers who get in an accident can expect to see their prices climb by just under $200, while those who have insurance through Southern County Mutual will see around a $3 increase.

At the end of the day, the more affordable premiums come from Southern County Mutual, with average prices coming in at $169 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than a collision or speeding ticket. On average, Southern County Mutual will increase your rates about 20% after a DUI, while Foremost's average premiums rise by more than 15%.

But if you end up with a DUI charge and are looking for more affordable rates, Southern County Mutual tends to be less expensive for the average driver, with monthly premiums coming in at around $207 to Foremost's $238.

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

Did you know many car insurance companies take into account your credit score when determining premiums? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it will come into play for several policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Foremost and Southern County Mutual, which one has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Southern County Mutual will typically reward you the most. For policyholders with "excellent" credit scores, Southern County Mutual comes in over 36.44 cheaper. Drivers with "good" credit scores generally save about 38% with Southern County Mutual compared to average rates from Foremost.

Which Company is Best for Drivers with Bad Credit?

Southern County Mutual typically offers lower prices than Foremost when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 30% per month less with Southern County Mutual compared to Foremost, and those with "poor" scores usually save an average of about 31% per month.

Is Foremost or Southern 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 substantial impact on your monthly auto insurance bill? Typically, the more milage you drive, the more you can expect to pay for coverage.

In this case, neither Foremost or Southern County Mutual report increasing premiums for drivers with higher annual mileage figures. That being said, Southern County Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average prices of $179 a month for both.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a considerable impact as well. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Southern County Mutual usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Southern County Mutual Insurance Company's average premiums are around $116 less than Foremost Insurance Group. People who live in suburban areas pay about $110 less with Southern County Mutual compared to Foremost. Those in rural areas can expect to save around $46 with Southern County Mutual compared to Foremost.

Foremost vs. Southern County Mutual Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Foremost and Southern County Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Foremost comes out ahead with 12 discounts to Southern County Mutual's nine.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, multi-policy discounts, and paid in full discounts -- but Foremost also offers discounts for advance quote, defensive driver, EFT, and more.

On the other hand, Southern County Mutual has a few proprietary discounts of their own for things like corporate discounts, good student discounts, multi-car discounts, and more.

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

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each company offers, too. But, when it comes down to it, which carrier is the right carrier for you and your specific driver profile?

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

• You've been pulled over for speeding recently.
• Your credit score is high.
• You drive fewer than 6,000 miles yearly.

Foremost might be best for you if...

• You care about discounts (Foremost offers the most).

Hopefully, this guide has ben a valuable resource as you compare Foremost and Southern County Mutual and that you can now make a more informed decision when it comes to your 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 car insurance -- comparing quotes from several carriers, not just Foremost and Southern County Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Foremost vs. Southern County Mutual FAQs

Is Foremost or Southern County Mutual cheaper?

Southern County Mutual is the less expensive of the two carriers when looking at national average prices, with policies averaging $179 per month with Southern County Mutual and $270 for Foremost. But that doesn't mean Southern County Mutual will be the cheapest company for every policyholder, since there are a bunch of different variables that are considered when it comes to your car insurance payment.

Who is better, Foremost or Southern County Mutual?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all boils down to your unique auto insurance profile.

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

Insurance companies use lots of different factors when calculating the rates they charge. Things like your driving record, gender, where you call home, age, and sometimes even things like your credit score can all come into play. Both Foremost and Southern County Mutual use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Foremost or Southern 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.