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

Quick Facts

• In general, Redpoint County Mutual offers significantly cheaper prices than National General
• National General tends to be a much less expensive option for drivers with a DUI charge on their record
• Redpoint County Mutual has more affordable premiums for couples purchasing auto insurance together

National General vs. Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might have narrowed your search down to National General or Redpoint County Mutual as potential options, but which one will offer you cheaper rates?

Looking at the national average rates for both companies, National General is about $53 more per month than Redpoint County Mutual.

But that doesn't necessarily mean Redpoint County Mutual will be the less expensive option for every driver. Insurance carriers use tons of complex algorithms to calculate prices, so depending on where you live or how old you are (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

Wanting to know if National General or Redpoint County Mutual 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.

National General or Redpoint County Mutual: Average Car Insurance Rates by State

Both National General and Redpoint County Mutual only offer car insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. For Texas residents, Redpoint County Mutual offers auto insurance for $196 per month on average. National General's average premiums come out to be over 20% more expensive, at $249 monthly.

Typically, where you call home will play a huge role in how much you pay for insurance, but since both companies only do business in Texas, lots of other factors will come into play when you compare National General and Redpoint County Mutual. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Redpoint County Mutual save nearly $200 a month compared to those who use National General.

That being said, with both companies, you'll see your prices lower significantly by the time drivers turn 25. For example, average rates for National General policyholders reduce more than 65% and Redpoint County Mutual's premiums drop almost 60% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between National General and Redpoint County Mutual? Redpoint County Mutual gets the edge here, with average prices coming in at around $150 a month compared to National General's $179.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more affordable for married policyholders than they are for those who are single. That's because policies for married drivers usually cover more than one car, which many carriers will offer you a discount for.

When it comes to relationship status, Redpoint County Mutual is the clear winner for single policyholders, with premiums about $70 per month less expensive than National General, on average. The advantage for married couples with Redpoint County Mutual is also obvious, where drivers save over 15% a month.

National General vs. Redpoint County Mutual: Average Rates by Gender

Women typically to pay less for auto insurance than men. This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim.

Normally, women see prices around 6% per month less with National General, and nearly 10% less with Redpoint County Mutual when compared to their male counterparts.

Looking at overall affordability, Redpoint County Mutual comes out as the lowest option for both genders. On average, women save about $54 a month and men save about $52 with Redpoint County Mutual compared to the average National General policyholder.

National General or 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.

Car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Redpoint County Mutual normally offers more affordable premiums of $115 compared to National General's $151. When it comes to full coverage policies with similar limits, Redpoint County Mutual again has the edge, with policies around $70 per month cheaper than National General, on average.

Is National General or Redpoint County Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with collisions and tickets on your record, but which of these two companies offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Redpoint County Mutual insurance policies don't report seeing their premiums increase after getting a ticket, but National General policyholders can expect to see their monthly bill increase by.

Even so, Redpoint County Mutual has less expensive rates for drivers in both categories, offering prices that are 14% and 23% cheaper, respectively, compared to National General Insurance.

Which Company is Best for Drivers After an Accident?

National General policyholders who get in a collision can expect to see their premiums increase by over $300, while those who have insurance through Redpoint County Mutual will see about a $65 increase.

Overall, Redpoint County Mutual offers the most affordable prices for drivers with an at-fault accident on their records, with monthly rates averaging $206 compared to National General Insurance's $472.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Redpoint County Mutual drivers usually see a 54% increase in their auto insurance prices after a DUI charge, while National General will generally raise rates by around 12%.

If you have a DUI on your record and are looking for more affordable premiums, National General tends to be the much more affordable option with average rates of $183 per month compared to $301 from Redpoint County Mutual.

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

Did you know that many insurance carriers take your credit score into account when calculating premiums? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at National General and Redpoint County Mutual, which company has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Redpoint County Mutual. Drivers with "excellent" credit can save over 20% compared to National General, and those with "good" scores can also expect to see savings -- about $46 or 21% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower rates than National General when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $57 a month less with Redpoint County Mutual compared to National General, and those with "poor" scores typically save an average of about $65 monthly.

Is National General or Redpoint County Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly insurance payment. Generally, those who drive less will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither National General or Redpoint County Mutual report increasing premiums for drivers with higher annual mileage figures. Even so, Redpoint County Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $196 per month for both.

National General vs. Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a considerable impact on your monthly car insurance bill. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads in those areas.

Redpoint County Mutual tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Redpoint County Mutual's average premiums are around $24 less than National General Insurance. Drivers in suburban ZIP codes pay about $64 less with Redpoint County Mutual compared to National General. If you live in a rural area, you can expect to save around $71 with Redpoint County Mutual compared to National General.

National General vs. Redpoint County Mutual Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

In the section below, we've compared all of the different discounts offered by National General and Redpoint County Mutual so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Overall, National General has the advantage when it comes to total number of discounts. Redpoint County Mutual offers a grand total of three discounts, while National General has eight.

A couple of those are overlapping for things like group discounts and passive restraint discounts. National General also offers advance quote discounts, anti-theft discounts, defensive driver discounts, and more that Redpoint County Mutual does not.

On the flip side, Redpoint County Mutual has a unique discount of its own -- a good driving discounts.

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

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

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

• You've received a ticket for speeding recently and don't want to see your prices rise.
• You already have a great credit score.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

National General might be best for you if...

• You have a DUI charge on your record.
• You're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare National General and Redpoint County Mutual. We also hope we've given you the information you need to make the best decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of companies, not just National General and Redpoint County Mutual. Luckily, Compare.com does all the hard work for you. 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.

National General vs. Redpoint County Mutual FAQs

Is National General or Redpoint County Mutual cheaper?

Looking just at the national average rates, Redpoint County Mutual is the more affordable of the two companies, offering average rates of $196 a month compared to $249 for National General. That being said, Redpoint County Mutual won't necessarily be the most affordable company for each policyholder, since there are multiple different factors that are considered when it comes to your auto insurance cost.

Who is better, National General or Redpoint County Mutual?

Unfortunately, the real answer is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, National General offers less expensive premiums for drivers with a recent DUI, while Redpoint County Mutual is cheaper for drivers with excellent credit.

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

Insurance carriers take a look at lots of different variables when determining the prices they charge policyholders. Factors such as where your home is, gender, where you call home, age, and sometimes even things like your credit score can all be used. Both National General and Redpoint County Mutual calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the auto insurance carrier 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 area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be National General or Redpoint County Mutual at all!

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.