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

Quick Facts

• Looking at the national averages for auto insurance, Ohio Mutual offers significantly more affordable premiums than State Auto
• Ohio Mutual offers more affordable rates for residents of rural areas
• State Auto offers more discounts than Ohio Mutual Insurance Company

Ohio Mutual vs. State Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might be considering Ohio Mutual or State Auto, but between the two, which one will save you the most?

As you can see, State Auto has average rates that are about 40% per month more expensive than those from Ohio Mutual when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean Ohio Mutual will be the cheaper option for each driver. Auto insurance companies use all sorts of complex algorithms to calculate premiums, so depending on how old you are or how clean your driving record is (among a bunch of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Ohio Mutual and State Auto by lots of different rate factors, so read on to find out which carrier is the best for you.

Ohio Mutual or State Auto: Average Car Insurance Rates by State

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There are plenty of other factors that go into your auto insurance payment than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Ohio Mutual save nearly $450 a month compared to those who use State Auto.

However, both carriers will drop premiums by the time you turn 25. For example, average prices for Ohio Mutual policyholders decrease almost $150 and State Auto's rates reduce more than $500 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest auto insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

When looking at Ohio Mutual and State Auto specifically, which company is best for retired drivers? Ohio Mutual gets the edge here, with average premiums coming in at around $114 per month compared to State Auto's $167.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married couples than they are for those who are single. That's normally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Ohio Mutual is the clear winner for single policyholders, with premiums about $155 per month more affordable than State Auto, on average. For married policyholders, the advantage is clear again - Ohio Mutual has the edge when it comes to average rates.

Ohio Mutual vs. State Auto: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get tickets. That means when it comes to car insurance men will typically end up paying a little more.

Usually, women see prices around 5% a month less with Ohio Mutual, and about 9% less with State Auto.

Looking at the data for each carrier specifically, Ohio Mutual comes out on top for both men and women. On average, women save about $99 per month and men save around $115 with Ohio Mutual compared to the average State Auto policyholder.

Ohio Mutual or State Auto: 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.

It's no secret that auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Ohio Mutual usually offers significantly cheaper premiums of $74 compared to State Auto's $149. When it comes to full coverage policies with similar limits, Ohio Mutual again has the edge, with policies about $150 a month less expensive than State Auto, on average.

Is Ohio Mutual or State Auto Better for Drivers with Spotty Records?

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

Tickets and at-fault accidents will most likely raise your rates, but is Ohio Mutual or State Auto cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Ohio Mutual policyholders can expect their prices to go up an average of $21 per month if they get a ticket, while State Auto typically raises rates around $48 a month, on average.

But Ohio Mutual has more affordable premiums for drivers in both categories. Drivers with a clean record can save about $86 per month and drivers with a speeding ticket can save around $113 a month with Ohio Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault accident with State Auto raising by just under $100. Ohio Mutual has a less extreme climb, but you can still expect to pay over $40 more than you were prior to your first collision.

Overall, drivers who use Ohio Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $125 compared to State Auto Insurance's $269.

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 a collision. For example, State Auto increases average prices by more than $200 per month -- that's over a 55% increase.

If you have a DUI on your record and are looking for more affordable rates, Ohio Mutual tends to be the much less expensive option with average premiums of $293 a month compared to $380 from State Auto.

How does Credit Score Impact Ohio Mutual and State Auto Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly insurance prices. This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it does affect several drivers out there.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often 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?

Which Company is Best for Drivers with Bad Credit?

Is Ohio Mutual or State Auto 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 pretty big impact on your monthly prices? Generally, those who drive less will end up with more affordable premiums since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Ohio Mutual or State Auto report increasing rates for drivers with higher annual mileage figures. Even so, Ohio Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average premiums of $152 a month for both.

Ohio Mutual vs. State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for auto insurance. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the roads in those areas.

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

Policyholders in rural ZIP codes see the lowest premiums from both companies, but Ohio Mutual comes out on top with average prices about $147 monthly. Ohio Mutual also has less expensive average rates for drivers in urban and suburban ZIP codes -- a 51% and 35% per month respective difference when compared to State Auto policyholders in similar areas.

Ohio Mutual vs. State Auto Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult 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 table below, we've broken down all of the different discounts offered by both Ohio Mutual and State Auto so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, State Auto has a slight advantage when it comes to total number of discounts. Ohio Mutual offers a grand total of 17 discounts, while State Auto has 18.

Both carriers offer quite a few of the same discounts -- like ABS discounts, anti-theft discounts, distant student discounts, and paid in full discounts -- but State Auto also offers advantage program discounts, COVID-19 relief discount, driver training discounts, and more that Ohio Mutual does not.

On the flip side, Ohio Mutual has a couple unique discounts of its own -- attentive driver discounts, continuous insurance discounts, group discounts, and more.

Final Thoughts: Is Ohio Mutual or State Auto Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, when it comes down to it, is Ohio Mutual or State Auto the best company for you and your specific profile and needs?

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

• Your driving record contains an at-fault accident.
• You want basic auto insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your car insurance.

State Auto might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Ohio Mutual and State Auto and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Ohio Mutual and State Auto. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Ohio Mutual vs. State Auto FAQs

Is Ohio Mutual or State Auto cheaper?

Looking just at the national average prices, Ohio Mutual is the cheaper of the two carriers, offering average rates of $152 a month compared to $259 for State Auto. That being said, Ohio Mutual won't necessarily be the most affordable carrier for everyone, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Ohio Mutual or State Auto?

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

Why do Ohio Mutual and State Auto offer me different rates?

Insurance companies take a look at lots of different factors when calculating the premiums they charge drivers. Things like where you call home, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Ohio Mutual and State Auto calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Ohio Mutual or State Auto 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.