General Casualty vs. Indiana Farmers: Which Company is the Best Fit for You?

Quick Facts

• In general, Indiana Farmers offers significantly more affordable prices than General Casualty
• General Casualty may help you save more money -- they offer more discounts than Indiana Farmers Insurance
• Indiana Farmers offers more affordable premiums for single people who will be the only person on the car insurance policy

General Casualty or Indiana Farmers: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might be considering General Casualty or Indiana Farmers as your top options, but which carrier has less expensive rates for insurance?

Looking at nationwide averages, General Casualty is quite a bit more expensive than Indiana Farmers, with premiums averaging $139 a month compared to just $81 with Indiana Farmers.

That being said, that doesn't mean Indiana Farmers will necessarily be cheaper than General Casualty for each driver. Auto insurance carriers vary their prices depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a variety of other factors, so premiums will vary quite a bit from person to person.

Wanting to know if General Casualty or Indiana Farmers is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

General Casualty vs. Indiana Farmers: Average Car Insurance Rates by State

General Casualty and Indiana Farmers only compete against each other in Indiana, where Indiana Farmers offers the cheaper average rates. Indiana Farmers drivers tend to pay about $37 per month less on average compared to drivers who use General Casualty for their car insurance.

But there's more to calculating insurance premiums than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Indiana Farmers save over 45% a month compared to those who use General Casualty.

Even so, both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for General Casualty policyholders lower around $150 and Indiana Farmers's prices reduce more than $60 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable insurance premiums out there. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise rates.

When looking at General Casualty and Indiana Farmers specifically, which carrier is best for retired drivers? Indiana Farmers gets the edge, with prices for drivers 65 and older over 45% less expensive than the national average for General Casualty.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance premiums than married drivers. That's typically because married couples tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two carriers is significant, with Indiana Farmers prices coming in at about half of General Casualty's. The advantage for married policyholders with Indiana Farmers is also obvious, where drivers save around $45 per month.

General Casualty or Indiana Farmers: Average Rates by Gender

Did you know women tend to pay less for auto insurance than men? That's because men are more likely to get into accidents and get tickets, which increases the chances of filing a claim with insurance.

Women normally pay almost $15 a month less than men with General Casualty, and about $7 less with Indiana Farmers.

When it comes to the cheapest rates for each gender, Indiana Farmers offers the lowest average premiums for both men and women, with average rates $62 less for men and $55 cheaper for women.

General Casualty vs. Indiana Farmers: 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 can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two 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 collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability limits, Indiana Farmers has the significant edge, with average monthly premiums coming in at $44. If you want a full coverage policy with the same state minimum limits, Indiana Farmers again has the edge, with policies averaging around $118 per month to General Casualty's $195.

Is General Casualty or Indiana Farmers Better for Drivers with Spotty Records?

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

It's no secret secret that accidents and speeding tickets lead to higher prices, but which company -- General Casualty or Indiana Farmers -- has the cheapest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use General Casualty for their insurance can generally expect their monthly bill to go up about 32% after getting a speeding ticket. Indiana Farmers policyholders can expect a less drastic increase of around 17%.

But Indiana Farmers has more affordable prices for drivers in both categories, offering premiums that are $20 and $49 cheaper, respectively, compared to General Casualty.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through General Casualty can expect to see about an $56 -- or around 38% -- rise in their insurance rates. Drivers who use Indiana Farmers for their auto insurance will see a monthly bill about $14 (or 17%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, the less expensive premiums come from Indiana Farmers, with average prices coming in at $84 compared to General Casualty's $146.

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 a collision or ticket. General Casualty drivers usually see a 52% raise in their insurance premiums after a DUI charge, while Indiana Farmers will normally climb prices by around 17%.

But if you end up with a DUI charge and are looking for more affordable rates, Indiana Farmers tends to be more affordable for the average driver, with monthly premiums coming in at about $84 to General Casualty's $186.

How does Credit Score Impact General Casualty and Indiana Farmers Rates?

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

The reasoning insurance companies 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 specifically at General Casualty and Indiana Farmers, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Indiana Farmers will typically reward you the most. For policyholders with "excellent" credit scores, Indiana Farmers comes in more than 41.75 cheaper. Drivers with "good" credit scores usually save around 42% with Indiana Farmers compared to average prices from General Casualty.

Which Company is Best for Drivers with Bad Credit?

Indiana Farmers typically offers lower premiums than General Casualty when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 43% a month less with Indiana Farmers compared to General Casualty, and those with "poor" scores typically save an average of around 41% a month.

Is General Casualty or Indiana Farmers Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much General Casualty charges. However, there's a small difference in monthly rates for Indiana Farmers, with policyholders who drive the least paying about $2 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Indiana Farmers is the less expensive company.

General Casualty or Indiana Farmers: Compare Rates for Urban, Suburban, and Rural Drivers

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

Indiana Farmers tends to offer the most affordable rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 45% with Indiana Farmers compared to General Casualty. People who live in suburban areas pay about 38% less with Indiana Farmers compared to General Casualty. For drivers in urban ZIP codes, Indiana Farmers Insurance's average prices are around 42% less than General Casualty.

General Casualty vs. Indiana Farmers Discounts

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

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for 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 General Casualty and Indiana Farmers so that you can see which company can save you the most money each month.

Looking at the total number of discounts, General Casualty comes out ahead with 12 discounts to Indiana Farmers's eight.

A couple of those are overlapping for things like advance quote discounts, discounts for being a good driver, and multi-policy discounts. General Casualty also offers discounts for anti-theft, distant student, employee discount, and more.

On the other hand, Indiana Farmers has a few proprietary discounts of their own for things like mature driver discounts, renewal discounts, and select market discounts.

Final Thoughts: Is General Casualty or Indiana Farmers Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is General Casualty or Indiana Farmers the best carrier for you, your vehicle, and your wallet?

Indiana Farmers might be best for you if....

• You want to save money on your car insurance after a collision.
• You're looking for the best premiums on liability only coverage.
• You've started working from home and don't have much of a commute.

General Casualty might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between General Casualty and Indiana Farmers and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just General Casualty and Indiana Farmers. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

General Casualty vs. Indiana Farmers FAQs

Is General Casualty or Indiana Farmers cheaper?

Indiana Farmers is the cheaper of the two carriers when looking at national average rates, with policies averaging $81 per month with Indiana Farmers and $139 for General Casualty. However, that doesn't mean Indiana Farmers will be the cheapest company for every policyholder, since there are multiple different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, General Casualty or Indiana Farmers?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all boils down to your unique insurance profile.

Why do General Casualty and Indiana Farmers offer me different rates?

Car insurance companies use many different variables when determining the premiums they charge. Factors like age, where you park your car, gender, your driving record, and sometimes even things like your credit score can all come into play. Both General Casualty and Indiana Farmers calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a range of different carriers.

How do I know if General Casualty or Indiana Farmers is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies 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 information once and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't General Casualty or Indiana Farmers 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.