Fremont vs. Pioneer State Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Pioneer State Mutual offers significantly less expensive premiums than Fremont
• Fremont offers more discounts than Pioneer State Mutual
• Pioneer State Mutual tends to be a much more affordable option for residents of urban areas

Fremont vs. Pioneer State Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Fremont or Pioneer State Mutual as potential options, but which one will save you the most?

Looking at the national average rates for both companies, Fremont has average rates that are about 45% per month more expensive than those from Pioneer State Mutual.

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

Wanting to know if Fremont or Pioneer State Mutual is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Fremont or Pioneer State Mutual: Average Car Insurance Rates by State

Both Fremont and Pioneer State Mutual only offer car insurance in Michigan, so you'll see that the average figures here will mirror the ones we mentioned above. For Michigan residents, Pioneer State Mutual offers insurance for $310 per month on average. Fremont's average rates come out to be over 70% more expensive, at $562 monthly.

Typically, where you live will play a large role in how much you pay for car insurance, but since both companies only do business in Michigan, numerous other factors will come into play when you compare Fremont and Pioneer State Mutual. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's generally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Pioneer State Mutual save more than $500 a month compared to those who use Fremont.

But both companies will offer you dramatically lower rates by the time drivers turn 25. Pioneer State Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Fremont's average prices decrease over 70% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums out there.

But who has the best prices for retired drivers between Fremont and Pioneer State Mutual? Pioneer State Mutual gets the edge, with rates for drivers 65 and older nearly 25% less expensive than the national average for Fremont.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be cheaper for married couples than they are for those who are single. That's because policies for married drivers usually cover several cars, which several carriers will offer you a discount for.

When it comes to relationship status, Pioneer State Mutual is the clear winner for single drivers, with prices around $344 per month more affordable than Fremont, on average. The advantage is also clear for married policyholders - Pioneer State Mutual offers the lowest average premiums.

Fremont vs. Pioneer State Mutual: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they raise the chances of filing a claim with insurance. Therefore, men typically pay more for insurance than women.

Everyone gets the same monthly rates regardless of gender with Fremont; everyone gets the same monthly prices regardless of gender with Pioneer State Mutual.

When it comes to the most affordable premiums for each gender, Pioneer State Mutual comes out on top for both men and women. On average, women save about $252 a month and men save about $252 with Pioneer State Mutual compared to the average Fremont policyholder.

Fremont or Pioneer State 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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Pioneer State Mutual typically offers significantly less expensive rates of $182 compared to Fremont's $334. When it comes to full coverage policies with similar limits, Pioneer State Mutual again has the edge, with policies around $350 per month more affordable than Fremont, on average.

Is Fremont or Pioneer State Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and accidents on your record, but which of these two companies offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Fremont policyholders can expect their rates to go up an average of $138 a month if they get a ticket, while Pioneer State Mutual normally raises premiums about $152 per month, on average.

Even so, Pioneer State Mutual has cheaper prices for drivers in both categories, offering premiums that are 8% and 1% more affordable, respectively, compared to Fremont Insurance.

Which Company is Best for Drivers After an Accident?

Fremont drivers who get in a collision can expect to see their rates rise by over 25%, while those who have insurance through Pioneer State Mutual will see around a 15% increase.

Overall, drivers who use Pioneer State Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $247 compared to Fremont Insurance's $307.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. For example, Fremont increases average rates by over $500 a month -- that's just under a 85% increase.

If you have a DUI on your record and are looking for more affordable prices, Pioneer State Mutual tends to be the much cheaper option with average premiums of $425 a month compared to 1353 from Fremont.

How does Credit Score Impact Fremont and Pioneer State Mutual Rates?

Did you know that many insurance carriers take your credit score into account when calculating rates? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for many policyholders.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive prices.

So, which company offers the lowest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Fremont or Pioneer State 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 premiums? Usually, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

In this case, neither Fremont or Pioneer State Mutual report increasing prices for drivers with higher annual mileage figures. Still, Pioneer State Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average premiums of $310 per month for both.

Fremont vs. Pioneer State Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly insurance bill. Typically, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

Pioneer State Mutual tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable prices from both carriers, but Pioneer State Mutual comes out on top with average premiums about $231 monthly. Pioneer State Mutual also has more affordable average prices for drivers in urban and suburban ZIP codes -- a 42% and 43% a month respective difference when compared to Fremont policyholders in similar areas.

Fremont vs. Pioneer State Mutual Discounts

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

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

In the section below, we've broken down all of the different discounts offered by both Fremont and Pioneer State Mutual so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Fremont has a slight advantage when it comes to total number of discounts. Pioneer State Mutual offers a grand total of 12 discounts, while Fremont has 14.

Both companies offer quite a few of the same discounts -- like ABS discounts, anti-theft discounts, and group discounts -- but Fremont also offers COVID-19 relief discount, defensive driver discounts, garage discounts, and more that Pioneer State Mutual does not.

On the flip side, Pioneer State Mutual has a couple unique discounts of its own -- affiliation policy experience discounts, comp only discounts, distant student discounts, and more.

Final Thoughts: Is Fremont or Pioneer State Mutual Best for You?

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the right company for you and your specific profile and needs?

Pioneer State Mutual might be best for you if....

• You're single and purchasing insurance by yourself.
• You want basic auto insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Fremont might be best for you if...

• You're looking for discounts -- Fremont has the most.

We hope this guide has ben a valuable resource as you compare Fremont and Pioneer State 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 a handful of carriers, not just Fremont and Pioneer State Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Fremont vs. Pioneer State Mutual FAQs

Is Fremont or Pioneer State Mutual cheaper?

Looking just at the national average premiums, Pioneer State Mutual is the cheaper of the two carriers, offering average rates of $310 per month compared to $562 for Fremont. That being said, Pioneer State Mutual won't necessarily be the lowest carrier for each driver, since there are a range of different factors that come into play when it comes to your insurance payment.

Who is better, Fremont or Pioneer State Mutual?

Sadly, the answer truly is "it depends.". No single company is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Fremont and Pioneer State Mutual offer me different rates?

Car insurance companies take a look at a lot of different variables when determining the prices they charge drivers. Factors like age, where you call home, your driving record, gender, and sometimes even things like your credit score can all be used. Both Fremont and Pioneer State Mutual use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Fremont or Pioneer State Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Fremont or Pioneer State Mutual at all!

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.