Motorists vs. Ohio Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Ohio Mutual offers significantly cheaper prices than Motorists
• Ohio Mutual offers more affordable rates for policyholders who live in rural neighborhoods
• Ohio Mutual offers more affordable average premiums for policyholders who drive fewer than 6,000 miles yearly

Motorists or Ohio Mutual: Which Company has the Cheapest Car Insurance?

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

You might have narrowed your search down to Motorists or Ohio Mutual, but between the two, which carrier will offer you less expensive prices?

As you can see, Motorists is quite a bit more expensive than Ohio Mutual, with rates averaging $251 a month compared to just $152 with Ohio Mutual when looking at the national average rates for insurance.

However, that doesn't necessarily mean Ohio Mutual will be the more affordable option for each driver. Car insurance carriers vary their prices depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and tons of other factors, so rates could differ drastically from person to person.

Luckily, we've broken down average premiums from both Motorists and Ohio Mutual by a range of different rate factors, so read on to find out which company is the best for you.

Motorists vs. Ohio Mutual: Average Car Insurance Rates by State

Motorists and Ohio Mutual only compete against each other in Ohio, where Motorists offers the cheaper average rates. Motorists drivers tend to pay about $19 per month less on average compared to drivers who use Ohio Mutual for their auto insurance.

There's a lot more that goes into your car insurance payment than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers out there on the road. It's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 30% less a month by choosing Ohio Mutual over Motorists.

Even so, with both companies, you'll see your premiums lower significantly by the time you turn 25. For example, average prices for Motorists policyholders decrease almost 45% and Ohio Mutual's rates drop around 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest car insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise prices.

When looking at Motorists and Ohio Mutual specifically, which carrier is best for retired drivers? Ohio Mutual gets the edge, with premiums for drivers 65 and older nearly 50% cheaper than the national average for Motorists.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are generally less expensive for married couples than they are for those who are single? That's usually because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Ohio Mutual premiums coming in at a third less than Motorists's. The advantage for married drivers with Ohio Mutual is also obvious, where drivers save almost 45% per month.

Motorists or Ohio Mutual: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll typically end up paying more for insurance than women.

Women normally pay about 5% a month less than men with Motorists, and around 5% less with Ohio Mutual.

Looking at the data for each company specifically, Ohio Mutual offers the most affordable average prices for both men and women, with average rates $101 less for men and $97 cheaper for women.

Motorists vs. Ohio 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. 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.

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

Looking specifically at state minimum liability limits, Ohio Mutual has the significant edge, with average monthly prices coming in at $74. If you want a full coverage policy with the same state minimum limits, Ohio Mutual again has the edge, with policies averaging about $230 per month to Motorists's $379.

Is Motorists or Ohio Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

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

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Motorists for their auto insurance can typically expect their monthly bill to go up around 10% after getting a speeding ticket. Ohio Mutual policyholders can expect a bit more drastic of an increase of about 20%.

Even so, Ohio Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering prices that are 50% and 44% more affordable, respectively, compared to Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Motorists can expect to see around an $37 -- or about 18% -- rise in their car insurance rates. Drivers who use Ohio Mutual for their insurance will see a monthly bill around $41 (or 33%) more expensive after reporting a collision to their car insurance carrier.

At the end of the day, drivers who use Ohio Mutual end up with the cheaper prices after an accident, with average premiums coming in at $125 compared to Motorists Insurance Group's $206.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. On average, Motorists will climb your prices about 62% after a DUI, while Ohio Mutual's average premiums climb by more than 70%.

But if you end up with a DUI charge and are looking for more affordable rates, Ohio Mutual tends to be less expensive for the average driver, with monthly premiums coming in at around $293 to Motorists's $442.

How does Credit Score Impact Motorists and Ohio 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. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect lots of drivers out there.

The reasoning car 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 usually be forced to pay more.

So, which company offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Ohio Mutual will normally reward you the most. For policyholders with "excellent" credit scores, Ohio Mutual comes in nearly 38.36 cheaper. Drivers with "good" credit scores typically save about 33% with Ohio Mutual compared to average premiums from Motorists.

Which Company is Best for Drivers with Bad Credit?

Ohio Mutual typically offers lower prices than Motorists when it comes to drivers with bad credit. Drivers with "fair" credit pay around 34% a month less with Ohio Mutual compared to Motorists, and those with "poor" scores usually save an average of about 46% a month.

Is Motorists or Ohio 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 sizable impact on your monthly rates? Normally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Ohio Mutual charges. However, there's a small difference in monthly prices for Motorists, with policyholders who drive 6,000 miles every year paying around $10 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Ohio Mutual is the cheaper carrier.

Motorists or Ohio Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a substantial impact as well. Generally, 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.

When comparing these two carriers side-by-side, Ohio Mutual usually comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Ohio Mutual Insurance Company's average premiums are about 46% less than Motorists Insurance Group. People who live in suburban areas pay around 29% less with Ohio Mutual compared to Motorists. Those in rural areas can expect to save about 42% with Ohio Mutual compared to Motorists.

Motorists vs. Ohio 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 car insurance discounts as possible.

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

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

Overall, Ohio Mutual comes out ahead with 17 discounts to Motorists's 14.

Both companies offer lots of the same discounts -- like ABS discounts, anti-theft discounts, hybrid vehicle discounts, and passive restraint discounts -- but Ohio Mutual also offers discounts for attentive driver, continuous insurance, distant student, and more.

On the other hand, Motorists has a few proprietary discounts of their own for things like empty nester discounts, homeowner discounts, life policy discounts, and more.

Final Thoughts: Is Motorists or Ohio Mutual Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is Motorists or Ohio Mutual the right one for you, your vehicle, and your wallet?

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

• You will be the only person on the insurance policy.
• You're looking for the best rates on liability only coverage.
• You have a short drive to work everyday.

Motorists might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Motorists and Ohio Mutual. We also hope we've given you the information you need to make the best decision about your car 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 several carriers, not just Motorists and Ohio Mutual. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Motorists vs. Ohio Mutual FAQs

Is Motorists or Ohio Mutual cheaper?

Ohio Mutual is the more affordable of the two carriers when looking at national average prices, with policies averaging $152 per month with Ohio Mutual and $251 for Motorists. That being said, that doesn't mean Ohio Mutual will be the cheapest company for every driver, since there are many different variables that are considered when it comes to your car insurance cost.

Who is better, Motorists or Ohio Mutual?

Sadly, the answer truly is "it depends.". One carrier is not "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Motorists and Ohio Mutual offer me different rates?

Insurance companies use quite a few different factors when determining the rates they charge. Variables like age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Motorists and Ohio Mutual calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Motorists or Ohio Mutual is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Motorists or Ohio 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.