Hastings Mutual vs. Rurual Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Rurual Mutual offers significantly more affordable prices than Hastings Mutual
• Hastings Mutual may help you save more money -- they offer more discounts than Rurual Mutual Insurance
• Rurual Mutual offers cheaper average rates for drivers who have below-average credit

Hastings Mutual or Rurual Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to 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've maybe even narrowed it down to Hastings Mutual or Rurual Mutual as your top options, but between the two, which company will offer you more affordable prices?

Looking at the national average rates for both carriers, Rurual Mutual is around $44 a month less expensive than Hastings Mutual.

But that doesn't necessarily mean Rurual Mutual will be the cheaper option for every driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so rates could differ drastically from person to person.

Wanting to know if Hastings Mutual or Rurual 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.

Hastings Mutual vs. Rurual Mutual: Average Car Insurance Rates by State

Hastings Mutual and Rurual Mutual only compete against each other in Wisconsin, where Hastings Mutual offers the cheaper average rates. Hastings Mutual drivers tend to pay about $16 per month less on average compared to drivers who use Rurual Mutual for their auto insurance.

That being said, there's a lot more that goes into your insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any group out there on the road. It's normally 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.

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 Rurual Mutual save almost 10% a month compared to those who use Hastings Mutual.

That being said, both carriers will lower premiums by the time drivers turn 25. For example, average prices for Hastings Mutual policyholders decrease over 45% and Rurual Mutual's premiums reduce more than 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance rates 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 premiums.

But who has the best rates for retired drivers between Hastings Mutual and Rurual Mutual? Rurual Mutual gets the edge, with prices for drivers 65 and older nearly 20% more affordable than the national average for Hastings Mutual.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are usually less expensive for married couples than they are for those who are single? That's because policies for married policyholders typically cover more than one vehicle, which a lot of companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Rurual Mutual rates coming in at a quarter less than Hastings Mutual's. The advantage is also clear for married drivers - Rurual Mutual offers the most affordable average prices.

Hastings Mutual or Rurual Mutual: Average Rates by Gender

Men normally pay more for auto insurance than women. That's because women are less likely to get tickets and get into collisions, which decreases the chances of filing a claim with insurance.

With Hastings Mutual, men generally pay about $5 per month more than women, but with Rurual Mutual, the difference is closer to $11 a month.

Looking at the data for each company specifically, Rurual Mutual comes out as the lowest option for both genders. On average, women save about $46 per month and men save around $40 with Rurual Mutual compared to the average Hastings Mutual policyholder.

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

However, most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, Rurual Mutual has the significant edge, with average monthly rates coming in at $67. If you want a full coverage policy with the same state minimum limits, Rurual Mutual again has the edge, with policies averaging about $267 a month to Hastings Mutual's $279.

Is Hastings Mutual or Rurual Mutual 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Hastings Mutual for their insurance can usually expect their monthly bill to go up around 16% after getting a speeding ticket. Rurual Mutual policyholders can expect a less drastic increase of about 8%.

If you have gotten a ticket, Rurual Mutual tends to offer the best rates at around 2% cheaper, while Hastings Mutual has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Hastings Mutual drivers who get in an accident can expect to see their prices increase by over $15, while those who have insurance through Rurual Mutual will see about a $20 increase.

At the end of the day, Hastings Mutual offers the cheapest premiums for drivers with an at-fault collision on their records, with average rates coming in at $126 compared to Rurual Mutual Insurance's $136.

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 car insurance bill -- normally a lot more than a collision or speeding ticket. For example, Hastings Mutual increases average premiums by more than $350 per month -- that's more than a 75% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Rurual Mutual tends to be less expensive for the average driver, with monthly premiums coming in at around $288 to Hastings Mutual's $478.

How does Credit Score Impact Hastings Mutual and Rurual Mutual Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly insurance premiums. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for several policyholders.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Hastings Mutual and Rurual Mutual, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Rurual Mutual will generally reward you the most. For drivers with "excellent" credit scores, Rurual Mutual comes in over 25.75 cheaper. Drivers with "good" credit scores typically save about 27% with Rurual Mutual compared to average rates from Hastings Mutual.

Which Company is Best for Drivers with Bad Credit?

Rurual Mutual typically offers lower prices than Hastings Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around 14% a month less with Rurual Mutual compared to Hastings Mutual, and those with "poor" scores usually save an average of about 17% a month.

Is Hastings Mutual or Rurual Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly auto insurance bill. Normally, the more milage you put on your vehicle each year, the more you can expect to pay for car insurance.

In this case, neither Hastings Mutual or Rurual Mutual report increasing premiums for drivers with higher annual mileage figures. Still, Rurual Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average rates of $167 per month for both.

Hastings Mutual or Rurual Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly insurance cost. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

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

For drivers in urban ZIP codes, Rurual Mutual's average premiums are around $211 while Hastings Mutual offers prices about $291. People in suburban areas pay around $132 with Rurual Mutual compared to Hastings Mutual's $177 monthly. If you live in a rural area, you can expect to pay about $158 per month with Rurual Mutual compared to Hastings Mutual's $164.

Hastings Mutual vs. Rurual 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 difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Hastings Mutual and Rurual Mutual so that you can see which carrier can save you the most money each month.

Looking at the total number of discounts, Hastings Mutual comes out ahead with 10 discounts to Rurual Mutual's six.

A couple of those are overlapping for things like discounts for being a good student. Hastings Mutual also offers discounts for ABS, anti-theft, company car, and more.

On the other hand, Rurual Mutual has a few proprietary discounts of their own for things like claim free discounts, distant student discounts, group discounts, and more.

Final Thoughts: Is Hastings Mutual or Rurual Mutual Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which insurance carrier is the best fit for you?

Rurual Mutual might be best for you if....

• Your driving record includes a DUI charge.
• Your home is located in the suburbs.
• You drive fewer than 12,000 miles yearly.

Hastings Mutual might be best for you if...

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You want to save money on your car insurance after an accident.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Hastings Mutual and Rurual 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 Hastings Mutual and Rurual Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Hastings Mutual vs. Rurual Mutual FAQs

Is Hastings Mutual or Rurual Mutual cheaper?

Rurual Mutual is the more affordable of the two companies when looking at national average rates, with policies averaging $167 a month with Rurual Mutual and $211 for Hastings Mutual. Even so, that doesn't mean Rurual Mutual will be the cheapest company for every driver, since there are a variety of different variables that come into play when it comes to your auto insurance payment.

Who is better, Hastings Mutual or Rurual Mutual?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Rurual Mutual is cheaper for drivers who have less-than-stellar credit scores, while Hastings Mutual offers less expensive prices for policyholders with an at-fault accident on their record.

Why do Hastings Mutual and Rurual Mutual offer me different rates?

Car insurance carriers use lots of different factors when determining the rates they charge. Variables like age, gender, your driving record, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Hastings Mutual and Rurual Mutual calculate premiums using different factors, 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 bunch of different companies.

How do I know if Hastings Mutual or Rurual Mutual is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't Hastings Mutual or Rurual 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.