Redpoint County Mutual vs. Safe Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Redpoint County Mutual offers cheaper rates than Safe Auto
• Redpoint County Mutual tends to be a much less expensive option for residents of rural areas
• Safe Auto offers more affordable prices for drivers with a DUI charge on their record

Redpoint County Mutual vs. Safe Auto: 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 huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Redpoint County Mutual or Safe Auto as potential options, but which carrier has cheaper rates for insurance?

As you can see, Safe Auto is about $27 more per month than Redpoint County Mutual when looking at the national average rates for car insurance.

However, Redpoint County Mutual may not be the lowest or best option for every driver out there. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

So, if you want to find out which of Redpoint County Mutual or Safe Auto is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

Redpoint County Mutual or Safe Auto: Average Car Insurance Rates by State

Redpoint County Mutual and Safe Auto only compete against each other in Texas, where Redpoint County Mutual offers the cheaper average rates. For Texas residents, undefined offers insurance for undefined per month on average. undefined's average prices come out to be more expensive, at undefined a month.

That being said, there are plenty of other factors that go into your auto insurance bill than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers. Usually, 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 still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of $30 less a month by choosing Redpoint County Mutual over Safe Auto.

That being said, both carriers will drop rates once you turn 25. For example, average prices for Redpoint County Mutual policyholders reduce nearly $250 and Safe Auto's premiums lower around $250 over that time.

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'll ever see.

So, which company offers the best premiums to retired drivers? Redpoint County Mutual gets the edge, with rates for drivers 65 and older $29 more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance prices than married policyholders. That's normally because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Redpoint County Mutual is the clear winner for single policyholders, with premiums about $31 per month less expensive than Safe Auto, on average. The advantage is also clear for married drivers - Redpoint County Mutual offers the cheapest average rates.

Redpoint County Mutual vs. Safe Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to auto insurance men will typically end up paying a little more.

On average, women see premiums almost 10% a month less with Redpoint County Mutual, while with Safe Auto, the difference is closer to 7% per month.

Looking at overall affordability, Redpoint County Mutual offers the most affordable average rates for both men and women. On average, women save about $27 a month and men save around $26 with Redpoint County Mutual compared to the average Safe Auto policyholder.

Redpoint County Mutual or Safe 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.

For most people, insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability limits, Redpoint County Mutual normally offers slightly cheaper prices of $115 compared to Safe Auto's $126. When it comes to full coverage policies with similar limits, Redpoint County Mutual again has the edge, with policies about $45 per month more affordable than Safe Auto, on average.

Is Redpoint County Mutual or Safe Auto Better for Drivers with Spotty Records?

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

It's no secret secret that tickets and at-fault collisions lead to higher prices, but which carrier -- Redpoint County Mutual or Safe Auto -- has the lowest rates for drivers with spotty 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 Safe Auto policyholders can expect to see their monthly bill increase by around $40.

Even so, Redpoint County Mutual is typically the less expensive option for drivers both with clean records and with a ticket -- their rates are around 23% more affordable for drivers with clean records and 37% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Redpoint County Mutual can expect to see about an $67 -- or around 33% -- increase in their car insurance rates. Drivers who use Safe Auto for their insurance will see a monthly bill about $66 (or 27%) more expensive after reporting a collision to their auto insurance company.

Overall, the less expensive prices come from Redpoint County Mutual, with monthly rates averaging $206 compared to Safe Auto's $246.

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 insurance bill -- generally a lot more than an accident or speeding ticket. On average, Redpoint County Mutual will increase your premiums around 54% after a DUI, while Safe Auto's average prices climb by over 25%.

How does Credit Score Impact Redpoint County Mutual and Safe Auto Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for a lot of policyholders.

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

Looking specifically at Safe Auto and Redpoint County Mutual, which one has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a substantial impact on your monthly premiums. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Redpoint County Mutual or Safe Auto report increasing rates for drivers with higher annual mileage figures. 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 car each year, with average prices of $196 a month for both.

Redpoint County Mutual vs. Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a pretty big impact on your monthly insurance payment. Normally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

Redpoint County Mutual boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both carriers, but Redpoint County Mutual comes out on top with average rates about $173 monthly. Redpoint County Mutual also has more affordable average prices for drivers in urban and suburban ZIP codes -- a $33 and $23 per month respective difference when compared to Safe Auto policyholders in similar areas.

Redpoint County Mutual vs. Safe Auto Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto 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're eligible for or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've broken down all of the different discounts offered by both Redpoint County Mutual and Safe Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Safe Auto knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Redpoint County Mutual.

Both companies offer lots of the same discounts -- like passive restraint discounts -- but Safe Auto also offers agency transfer discounts, anti-theft discounts, claim free discounts, and more that Redpoint County Mutual does not.

On the flip side, Redpoint County Mutual has a couple unique discounts of its own -- discounts for being a good driver and group discounts.

Final Thoughts: Is Redpoint County Mutual or Safe Auto Best for You?

So, we've broken down the average premiums for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is Redpoint County Mutual or Safe Auto the right company for you and your specific profile and needs?

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

• You have a speeding ticket on your driving record.
• You live in an suburban area.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Safe Auto might be best for you if...

• You already have plans to move to another state -- undefined only offers policies to residents.
• You have a DUI charge on your record.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Redpoint County Mutual and Safe Auto. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Redpoint County Mutual and Safe Auto. 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 auto insurance carriers in your area, all in just a few minutes.

Redpoint County Mutual vs. Safe Auto FAQs

Is Redpoint County Mutual or Safe Auto cheaper?

Looking just at the national average rates, Redpoint County Mutual is the less expensive of the two companies, offering average rates of $196 a month compared to $223 for Safe Auto. But Redpoint County Mutual won't necessarily be the cheapest company for everyone, since there are several different variables that come into play when it comes to your insurance cost.

Who is better, Redpoint County Mutual or Safe Auto?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Safe Auto offers cheaper prices for drivers with a recent DUI, while Redpoint County Mutual is less expensive for drivers with excellent credit.

Why do Redpoint County Mutual and Safe Auto offer me different rates?

Auto insurance carriers take a look at lots of different factors when calculating the premiums they charge drivers. Things like age, where your home is, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Redpoint County Mutual and Safe Auto calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if Redpoint County Mutual or Safe Auto is right for me?

The only way to find the car 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 information once and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Redpoint County Mutual or Safe 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.