Pioneer State Mutual vs. State Farm: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, State Farm offers significantly cheaper premiums than Pioneer State Mutual
• State Farm has less expensive prices for policyholders who live in the suburbs
• State Farm offers more affordable premiums for residents of urban areas

Pioneer State Mutual vs. State Farm: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Pioneer State Mutual or State Farm, but between the two, which one has more affordable prices for insurance?

Looking at the national average rates for both companies, State Farm is quite a bit cheaper than Pioneer State Mutual, with rates averaging $158 per month compared to $310 with Pioneer State Mutual.

However, that doesn't necessarily mean State Farm will be the less expensive option for every single driver. Auto insurance carriers use a variety of complex algorithms to calculate premiums, so depending on how good your credit score is or where you live (among a multitude of other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Pioneer State Mutual or State Farm is really the best for you, keep reading to see average prices for each carrier broken down by lots of different rate factors.

Pioneer State Mutual or State Farm: Average Car Insurance Rates by State

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That being said, there are plenty of other factors that go into your insurance cost than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. It's normally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use State Farm save nearly $200 a month compared to those who use Pioneer State Mutual.

But both companies will lower premiums by the time drivers turn 25. State Farm offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Pioneer State Mutual's average rates decrease almost 45% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you can find.

So, which company offers the best premiums to retired drivers? State Farm gets the edge, with rates for drivers 65 and older nearly 55% more affordable than the national average for Pioneer State Mutual.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, State Farm is the clear winner for those who are single, with rates about $157 per month cheaper than Pioneer State Mutual, on average. The advantage for married policyholders with State Farm is also obvious, where drivers save almost 55% a month.

Pioneer State Mutual vs. State Farm: Average Rates by Gender

Did you know men tend to pay more for car insurance than women? This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim.

Women and men end up paying same monthly premiums with Pioneer State Mutual, and around $12 less with State Farm.

When it comes to the lowest prices for each gender, State Farm comes out on top for both men and women, with average premiums $146 less for men and $158 cheaper for women.

Pioneer State Mutual or State Farm: 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 can be pretty complicated. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, State Farm usually offers significantly less expensive rates of $99 compared to Pioneer State Mutual's $182. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies about $200 per month more affordable than Pioneer State Mutual, on average.

Is Pioneer State Mutual or State Farm Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices 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 at-fault accidents 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?

Pioneer State Mutual policyholders can expect their premiums to go up an average of $152 a month if they get a ticket, while State Farm generally raises rates around $21 per month, on average.

That being said, State Farm tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering premiums that are $74 and $205 cheaper, respectively, compared to Pioneer State Mutual.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault accident with Pioneer State Mutual increasing by just under $40. State Farm has a less extreme raise, but you can still expect to pay nearly $30 more than you were prior to your first collision.

Overall, the less expensive premiums come from State Farm, with monthly prices averaging $163 compared to Pioneer State Mutual's $247.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. On average, Pioneer State Mutual will climb your rates about 51% after a DUI, while State Farm's average premiums increase by over 25%.

How does Credit Score Impact Pioneer State Mutual and State Farm Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it will come into play for a lot of drivers.

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, policyholders with bad credit will often be forced to pay more.

Looking specifically at State Farm and Pioneer State Mutual, which carrier has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Pioneer State Mutual or State Farm 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 big impact on your monthly rates? That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Pioneer State Mutual charges. However, there's a small difference in monthly prices for State Farm, with policyholders who drive the least paying around $13 less each month compared to those who drive 12,000 miles yearly. Still, State Farm is the cheaper option for drivers in both categories.

Pioneer State Mutual vs. State Farm: 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 considerable impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads in those areas.

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

Drivers in rural ZIP codes see the cheapest premiums from both companies, but State Farm comes out on top with average prices about $127 monthly. State Farm also has more affordable average premiums for policyholders in urban and suburban ZIP codes -- a $210 and $143 a month respective difference when compared to Pioneer State Mutual drivers in similar areas.

Pioneer State Mutual vs. State Farm Discounts

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

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 can take advantage of.

Below, we've compared all of the different discounts offered by Pioneer State Mutual and State Farm so that you can see which company can save you the most money each month.

State Farm knocks Pioneer State Mutual out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Pioneer State Mutual.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and multi-policy discounts. State Farm also offers annual mileage discounts, defensive driver discounts, drive safe & save discounts, and more that Pioneer State Mutual does not.

On the flip side, Pioneer State Mutual has a couple unique discounts of its own -- affiliation policy experience discounts, comp only discounts, employee discounts, and more.

Final Thoughts: Is Pioneer State Mutual or State Farm Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

State Farm might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• Your credit is below-average.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Pioneer State Mutual might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Pioneer State Mutual and State Farm. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from a handful of carriers, not just Pioneer State Mutual and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Pioneer State Mutual vs. State Farm FAQs

Is Pioneer State Mutual or State Farm cheaper?

Looking just at the national average prices, State Farm is the less expensive of the two carriers, offering average rates of $158 per month compared to $310 for Pioneer State Mutual. Even so, State Farm won't necessarily be the most affordable carrier for every policyholder, since there are a range of different variables that come into play when it comes to your insurance bill.

Who is better, Pioneer State Mutual or State Farm?

Unfortunately, the real answer is "it depends.". One company is not "better" for each driver -- it all depends on what your unique auto insurance profile looks like.

Why do Pioneer State Mutual and State Farm offer me different rates?

Insurance companies take a look at lots of different factors when calculating the premiums they charge policyholders. Things like your driving record, where you call home, gender, age, and sometimes even things like your credit score can all be used. Both Pioneer State Mutual and State Farm use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Pioneer State Mutual or State Farm is right for me?

The only way to find the auto 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 information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Pioneer State Mutual or State Farm 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.