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

Quick Facts

• In general, Southern County Mutual offers slightly more affordable premiums than Redpoint County Mutual
• Redpoint County Mutual offers more affordable rates for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Southern County Mutual tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision

Redpoint County Mutual or Southern County Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might have narrowed it down to Redpoint County Mutual or Southern County Mutual for your next policy, but which one will offer you cheaper premiums?

Looking at the national average rates for both carriers, Redpoint County Mutual is around $17 more a month than Southern County Mutual.

Even so, that doesn't mean Southern County Mutual will necessarily be less expensive than Redpoint County Mutual for each driver. Auto insurance companies vary their prices depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and tons of other factors, so premiums will vary quite a bit from person to person.

Wanting to know if Redpoint County Mutual or Southern 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.

Redpoint County Mutual vs. Southern County Mutual: Average Car Insurance Rates by State

Both Redpoint County Mutual and Southern County Mutual only offer insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. Southern County Mutual drivers tend to pay about $17 per month less on average compared to drivers who use Redpoint County Mutual for their car insurance.

Typically, the state you live in will play a big role in how much you pay for auto insurance, but since both companies only do business in Texas, many other variables will come into play when you compare Redpoint County Mutual and Southern County Mutual. 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 insurance than any group out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 Southern County Mutual save 15% a month compared to those who use Redpoint County Mutual.

However, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. For example, average prices for Redpoint County Mutual policyholders drop about $250 and Southern County Mutual's rates decrease almost $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever see.

So, which carrier offers the best rates to retired drivers? Southern County Mutual gets the edge, with prices for drivers 65 and older $21 more affordable than the national average for Redpoint County Mutual.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive insurance rates than those who are single. This usually boils down to married drivers having more than one vehicle on their policy -- something many auto insurance companies will reward with discounts.

For single policyholders, the difference in average prices between these two carriers is significant, with Southern County Mutual premiums coming in at around 10% less than Redpoint County Mutual's. But for married couples, that advantage is much less clear - Southern County Mutual offers the most affordable average prices , but the difference is only $6.

Redpoint County Mutual or Southern County Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to insurance men will normally end up paying a little more.

Men usually pay about $20 per month more than women with Redpoint County Mutual, but with Southern County Mutual, the difference is closer to $18 a month.

When it comes to the cheapest rates for each gender, Southern County Mutual comes out on top for both men and women. On average, women save about $17 per month and men save around $17 with Southern County Mutual compared to the average Redpoint County Mutual policyholder.

Redpoint County Mutual vs. Southern 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.

For most people, car insurance isn't the easiest topic to understand. There are many different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability limits, Southern County Mutual has the slight edge, with average monthly premiums coming in at $105. If you want a full coverage policy with the same state minimum limits, Southern County Mutual again has the edge, with policies averaging about $254 a month to Redpoint County Mutual's $277.

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

You've probably seen plenty of commercials from auto 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 accidents on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual car insurance policies don't report seeing their prices increase after getting a ticket, but Southern County Mutual policyholders can expect to see their monthly bill increase by around $10.

But Redpoint County Mutual tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 16% cheaper for drivers with clean records and 21% more affordable 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% -- rise in their insurance rates. Drivers who use Southern County Mutual for their auto insurance will see a monthly bill about $3 (or 2%) more expensive after reporting an accident to their insurance company.

At the end of the day, the cheaper premiums come from Southern County Mutual, with average prices coming in at $169 compared to Redpoint County Mutual's $206.

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 car insurance bill -- typically a lot more than a collision or ticket. For example, Redpoint County Mutual increases average rates by more than $150 per month -- that's nearly a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Southern County Mutual tends to be more affordable for the average driver, with monthly premiums coming in at around $207 to Redpoint County Mutual's $301.

How does Credit Score Impact Redpoint County Mutual and Southern County Mutual Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly auto insurance prices. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect quite a few drivers out there.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

So, which carrier offers the cheapest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Southern County Mutual will generally reward you the most. For policyholders with "excellent" credit scores, Southern County Mutual comes in NaN less expensive. Drivers with "good" credit scores typically save about 8% with Southern County Mutual compared to average premiums from Redpoint County Mutual.

Which Company is Best for Drivers with Bad Credit?

Southern County Mutual typically offers lower prices than Redpoint County Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 5% a month less with Southern County Mutual compared to Redpoint County Mutual, and those with "poor" scores normally save an average of about 14% per month.

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

How much you drive can have a pretty big impact on how much car insurance companies will charge for coverage. Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Redpoint County Mutual or Southern County Mutual report increasing premiums for drivers with higher annual mileage figures. Even so, Southern 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 $179 per month for both.

Redpoint County Mutual or Southern County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a big role in how much you pay for auto insurance. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads where they live.

Redpoint County Mutual vs. Southern County Mutual Discounts

No matter why you might be in the market for a new car 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 insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Redpoint County Mutual and Southern County Mutual so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Southern County Mutual knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering nine different discounts to Redpoint County Mutual's nine.

Both carriers offer several of the same discounts -- like passive restraint discounts -- but Southern County Mutual also offers discounts for anti-theft, corporate, distant student, and more.

On the other hand, Redpoint County Mutual has a few proprietary discounts of their own like good driving discounts and group discounts.

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the right fit for you?

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

• Your driving record includes a DUI charge.
• You're looking for the best prices on liability only coverage.
• You have a short commute.

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

• You have a clean record.
• You have received a ticket within the last few years.
• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between Redpoint County Mutual and Southern County Mutual and that you can now make a more informed decision when it comes to your 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 Redpoint County Mutual and Southern County Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Redpoint County Mutual vs. Southern County Mutual FAQs

Is Redpoint County Mutual or Southern County Mutual cheaper?

Southern County Mutual is the less expensive of the two carriers when looking at national average premiums, with policies averaging $179 a month with Southern County Mutual and $196 for Redpoint County Mutual. Even so, that doesn't mean Southern County Mutual will be the most affordable carrier for everyone, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Redpoint County Mutual or Southern County Mutual?

Sadly, the answer truly is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Redpoint County Mutual and Southern County Mutual offer me different rates?

Auto insurance companies use several different factors when determining the prices they charge. Things like your driving record, age, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Redpoint County Mutual and Southern County Mutual use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies 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 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 best rate. And maybe you'll find that the best carrier for you isn't Redpoint County Mutual or Southern County 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.