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

Quick Facts

• Looking at the national averages for car insurance, GEICO offers slightly cheaper rates than Redpoint County Mutual
• GEICO has more affordable premiums for policyholders who drive a short distance to work everyday
• Redpoint County Mutual has less expensive rates in TX

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to GEICO or Redpoint County Mutual for your next policy, but between the two, which carrier has more affordable prices for auto insurance?

Looking at nationwide averages, Redpoint County Mutual is around $11 more a month than GEICO.

However, that doesn't necessarily mean GEICO will be the less expensive option for each driver. Car insurance carriers vary their premiums depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and a variety of other factors, so prices will vary quite a bit from person to person.

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

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

GEICO and Redpoint County Mutual only compete against each other in Texas, where GEICO offers the cheaper average rates. GEICO drivers tend to pay about $25 per month less on average compared to drivers who use Redpoint County Mutual for their insurance.

There's a lot more that goes into your auto insurance bill than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have GEICO for their insurance pay almost 10% less than those who use Redpoint County Mutual. It's worth noting that GEICO offers car insurance in 50 different states compared to Redpoint County Mutual's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both companies will decrease premiums by the time you turn 25. For example, average rates for GEICO policyholders reduce over 55% and Redpoint County Mutual's premiums lower nearly 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices out there.

But who has the best premiums for retired drivers between GEICO and Redpoint County Mutual? In this case, GEICO has the slight edge, with prices about $2 a month less than Redpoint County Mutual. But that difference is less than 5%, which means it ultimately will come down to other factors, like where you live or your credit score.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

When it comes to relationship status, GEICO is the winner for single policyholders, with premiums almost 10% per month cheaper than Redpoint County Mutual, on average.

GEICO or Redpoint County Mutual: Average Rates by Gender

You may not know, but car insurance is usually cheaper for women than it is for men. That's because men are more likely to get speeding tickets and get into accidents, which raises the chances of filing a claim with insurance.

Men typically pay around 4% more a month than women with GEICO, and about 9% more with Redpoint County Mutual.

Looking at overall affordability, GEICO comes out as the cheapest option for both genders, with average rates $16 less for men and $6 cheaper for women.

GEICO 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.

It's no secret that auto insurance can be pretty complicated. There are multiple different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, GEICO has the edge, with average monthly prices coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging around $269 per month to Redpoint County Mutual's $277.

Is GEICO 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.

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two companies offers the most affordable premiums to 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 GEICO policyholders can expect to see their monthly bill increase by about $35.

If you have gotten a speeding ticket, Redpoint County Mutual tends to offer the best prices at around 7% more affordable, while GEICO has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

GEICO drivers who get in a collision can expect to see their rates rise by $85, while those who have insurance through Redpoint County Mutual will see about a $65 increase.

At the end of the day, drivers who use GEICO end up with the cheaper prices after an accident, with average prices coming in at $200 compared to Redpoint County Mutual's $206.

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 auto insurance bill -- usually a lot more than an accident or ticket. Redpoint County Mutual drivers usually see a 54% raise in their insurance premiums after a DUI charge, while GEICO will typically increase prices by around 58%.

GEICO has the overall cheapest rates for drivers with a DUI on their records at $275 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just one for Redpoint County Mutual, so the data may be skewed slightly.

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

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

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

So, which carrier offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, GEICO will typically reward you the most. For drivers with "excellent" credit scores, GEICO comes in more than 16.56 cheaper. Drivers with "good" credit scores usually save about 7% with GEICO compared to average premiums from Redpoint County Mutual.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay around 4% less with GEICO than Redpoint County Mutual, but those whose credit is considered "poor" have it flipped -- saving about 3% a month with Redpoint County Mutual.

Is GEICO 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 insurance companies will charge for coverage? Normally, the more milage you put on your car, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Redpoint County Mutual charges. However, there's a small difference in monthly premiums for GEICO, with policyholders who drive 6,000 miles every year paying around $8 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, GEICO is the less expensive company.

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

Where you park your vehicle can play a sizable role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Looking at these carriers side-by-side, GEICO typically comes out as the more affordable option for drivers in rural and urban areas, while Redpoint County Mutual wins in suburban areas.

Those in rural areas can expect to save about 8% with GEICO compared to Redpoint County Mutual. People who live in suburban areas pay around 4% less with Redpoint County Mutual compared to GEICO. For policyholders in urban ZIP codes, GEICO's average rates are about 11% less than Redpoint County Mutual.

GEICO vs. Redpoint County Mutual Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both GEICO and Redpoint County 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.

GEICO knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Redpoint County Mutual's three.

A couple of those are overlapping for things like discounts for being a good driver, group discounts, and passive restraint discounts. GEICO also offers discounts for ABS, anti-theft, commercial drivers license, and more.

Redpoint County Mutual's discounts come through just three categories -- Good Driving, Group Discount, and Passive Restraint.

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

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

GEICO might be best for you if....

• You will be the only person on the insurance policy.
• You're looking for the company with the most discounts.
• You live in a rural neighborhood.

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

• You have a speeding ticket on your driving record.
• Your home is located in the suburbs.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

Hopefully, this guide has ben a valuable resource as you compare GEICO and Redpoint County Mutual. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just GEICO and Redpoint County Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

GEICO vs. Redpoint County Mutual FAQs

Is GEICO or Redpoint County Mutual cheaper?

GEICO is the cheaper of the two companies when looking at national average rates, with policies averaging $185 per month with GEICO and $196 for Redpoint County Mutual. But that doesn't mean GEICO will be the most affordable carrier for every driver, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, GEICO or Redpoint County Mutual?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like. For example, Redpoint County Mutual is less expensive for drivers who have less-than-stellar credit scores, while GEICO offers cheaper premiums for drivers with an at-fault collision on their record.

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

Car insurance carriers use many different variables when calculating the rates they charge. Things such as gender, your driving record, age, where you live, and sometimes even things like your credit score can all come into play. Both GEICO and Redpoint County Mutual calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't GEICO 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.