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

Quick Facts

• Based on national averages for insurance, Houston General offers more affordable premiums than Redpoint County Mutual
• Houston General offers more affordable prices for policyholders who live in urban areas
• Redpoint County Mutual offers cheaper average rates for policyholders whose driving record contains an at-fault collision

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

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

You might be considering Houston General or Redpoint County Mutual as your top options, but which carrier will save you the most?

Looking at nationwide averages, Redpoint County Mutual is around $36 more a month than Houston General.

But Houston General may not be the lowest or best option for each driver out there. Auto insurance carriers use a variety of complex algorithms to determine premiums, so depending on how clean your driving record is or how good your credit score is (among multiple other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Houston General or Redpoint County Mutual is really the best for you, keep reading to see average premiums for each carrier broken down by a range of different rate factors.

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

Both Houston General and Redpoint County Mutual only offer insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. Houston General drivers tend to pay about $36 per month less on average compared to drivers who use Redpoint County Mutual for their auto insurance.

Typically, where you live will play a big role in how much you pay for car insurance, but since both companies only do business in Texas, a whole bunch of other variables will come into play when you compare Houston General and Redpoint County Mutual. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 Houston General for their car insurance pay over 25% less than those who use Redpoint County Mutual.

However, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Houston General policyholders decrease about $150 and Redpoint County Mutual's prices drop almost $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance rates you'll ever find. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise prices.

So, which company offers the best premiums to retired drivers? Houston General gets the edge here, with average rates coming in at around $108 monthly compared to Redpoint County Mutual's $150.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance prices than married drivers. This usually boils down to married couples having multiple vehicles on their policy -- something a lot of auto insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Houston General prices coming in at a quarter less than Redpoint County Mutual's. The advantage is also clear for married policyholders - Houston General offers the lowest average premiums.

Houston General or Redpoint County Mutual: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to insurance men will normally end up paying a little more.

Women generally pay about 7% a month less than men with Houston General, but with Redpoint County Mutual, the difference is closer to 9% per month.

When it comes to the cheapest rates for each gender, Houston General offers the most affordable average premiums for both men and women, with average rates 19% less for men and 18% cheaper for women.

Houston General 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.

Auto insurance isn't the easiest topic to understand. There are several different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, Houston General has the significant edge, with average monthly prices coming in at $83. If you want a full coverage policy with the same state minimum limits, Houston General again has the edge, with policies averaging around $236 a month to Redpoint County Mutual's $277.

Is Houston General 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 at-fault accidents and speeding tickets on your record, but which of these two carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual insurance policies don't report seeing their premiums increase after getting a ticket, but Houston General 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 6% less expensive, while Houston General has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Houston General drivers who get in an accident can expect to see their premiums rise by over 50%, while those who have insurance through Redpoint County Mutual will see about a 35% increase.

At the end of the day, drivers who use Redpoint County Mutual end up with the cheaper prices after an accident, with average rates coming in at $206 compared to Houston General Insurance Exchange's $233.

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 -- generally a lot more than a collision or ticket. Redpoint County Mutual drivers usually see a 54% raise in their auto insurance prices after a DUI charge, while Houston General will usually increase rates by around 24%.

But if you end up with a DUI charge and are looking for more affordable premiums, Houston General tends to be cheaper for the average driver, with monthly premiums coming in at about $147 to Redpoint County Mutual's $301.

How does Credit Score Impact Houston General and Redpoint County Mutual Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it might come into play for many policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

Looking at Houston General and Redpoint County Mutual specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Houston General will generally reward you the most. For drivers with "excellent" credit scores, Houston General comes in more than 27.39 more affordable. Drivers with "good" credit scores usually save around 18% with Houston General compared to average premiums from Redpoint County Mutual.

Which Company is Best for Drivers with Bad Credit?

Houston General typically offers lower prices than Redpoint County Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 17% per month less with Houston General compared to Redpoint County Mutual, and those with "poor" scores normally save an average of around 14% a month.

Is Houston General or Redpoint County 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 car insurance bill. Typically, those who drive less will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Houston General or Redpoint County Mutual report increasing premiums for drivers with higher annual mileage figures. That being said, Houston General comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $160 a month for both.

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

Where you park your vehicle can play a considerable role in how much you pay for auto insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads where they live.

When comparing these two companies side-by-side, Houston General normally 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, Houston General Insurance Exchange's average premiums are about $72 less than Redpoint County Mutual. People who live in suburban areas pay around $28 less with Houston General compared to Redpoint County Mutual. Those in rural areas can expect to save about $8 with Houston General compared to Redpoint County Mutual.

Houston General vs. Redpoint County Mutual Discounts

No matter why you might be in the market for a new 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 utilizing as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Houston General and Redpoint County Mutual offer their customers so that you can see which carrier can save you the most money each month.

Overall, Houston General comes out ahead with eight discounts to Redpoint County Mutual's three.

Both carriers offer a lot of the same discounts -- like passive restraint discounts -- but Houston General also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Redpoint County Mutual has a few proprietary discounts of their own like good driving discounts and group discounts.

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

So, you've seen how different factors can affect your auto insurance rates. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is Houston General or Redpoint County Mutual the right company for you, your vehicle, and your wallet?

Houston General might be best for you if....

• You already have a great credit score.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing insurance for a teenager.

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

• You have a speeding ticket on your driving record.
• Your driving record contains an at-fault accident.

Hopefully, this guide helps you get a good idea of the differences between Houston General 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 several companies, not just Houston General and Redpoint County Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Houston General vs. Redpoint County Mutual FAQs

Is Houston General or Redpoint County Mutual cheaper?

Houston General is the less expensive of the two companies when looking at national average prices, with policies averaging $160 per month with Houston General and $196 for Redpoint County Mutual. Even so, that doesn't mean Houston General will be the cheapest company for every driver, since there are many different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Houston General or Redpoint County Mutual?

Sadly, the real answer is "it depends.". One carrier is not "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, Houston General is more affordable for drivers who have less-than-stellar credit scores, while Redpoint County Mutual offers less expensive premiums for drivers with an at-fault collision on their record.

Why do Houston General and Redpoint County Mutual offer me different rates?

Car insurance carriers use several different factors when determining the rates they charge. Things such as age, where your home is, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Houston General and Redpoint County Mutual calculate prices differently, 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 Houston General or Redpoint County Mutual is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers 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 ZIP code 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 best rate. And maybe you'll find that the best company for you isn't Houston General 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.