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

Quick Facts

• In general, Redpoint County Mutual offers significantly cheaper prices than State Auto
• Redpoint County Mutual offers more affordable rates for policyholders who have a short commute
• State Auto offers more discounts than Redpoint County Mutual

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

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

You might have narrowed it down to Redpoint County Mutual or State Auto for your next policy, but between the two, which company will save you the most?

Looking at the national average rates for both companies, Redpoint County Mutual has average rates that are about 24% per month more affordable than those from State Auto.

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

So, if you want to find out which of Redpoint County Mutual or State Auto is really the best for you, keep reading to see average rates for each company broken down by a bunch of different rate factors.

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

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There's a lot more that goes into your car insurance payment than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. That's generally 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.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Redpoint County Mutual for their insurance pay more than $300 less than those who use State Auto.

That being said, both companies will offer you dramatically lower rates by the time you turn 25. State Auto offers the steepest decrease, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. That being said, Redpoint County Mutual still has the most affordable prices at $171 per month.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? Redpoint County Mutual gets the edge here, with average premiums coming in at around $150 monthly compared to State Auto's $167.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more affordable for married couples than they are for single drivers. That's normally because married drivers 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 $99 a month less expensive than State Auto, on average. But for married policyholders, that advantage is much less clear - Redpoint County Mutual offers the most affordable average prices.

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

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

With Redpoint County Mutual, men typically pay nearly 10% more per month than women., and around 9% more with State Auto.

Looking at the data for each company specifically, Redpoint County Mutual comes out on top for both men and women. On average, male drivers save about $66 a month and women save about $60 with Redpoint County Mutual compared to the average State Auto policyholder.

Redpoint County 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.

Car insurance can be a complicated subject for most people. There are so many different terms and limits 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 (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Redpoint County Mutual normally offers cheaper premiums of $115 compared to State Auto's $149. When it comes to full coverage policies with similar limits, Redpoint County Mutual again has the edge, with policies around $90 per month less expensive than State Auto, on average.

Is Redpoint County 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.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Redpoint County Mutual insurance policies don't report seeing their prices increase after getting a ticket, but State Auto policyholders can expect to see their monthly bill increase by about a quarter.

But Redpoint County Mutual tends to offer the best prices for drivers both with clean records and with a ticket, offering premiums that are $31 and $79 more affordable, respectively, compared to State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Redpoint County Mutual policyholders who get in a collision can expect to see their rates climb by just under 35%, while those who have insurance through State Auto will see around a 35% increase.

Overall, drivers who use Redpoint County Mutual end up with the cheaper prices after an accident, with monthly prices averaging $206 compared to State Auto Insurance's $269.

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 auto insurance bill -- generally a lot more than an accident or speeding ticket. State Auto drivers usually see a 55% increase in their insurance premiums after a DUI charge, while Redpoint County Mutual will usually climb rates by about 54%.

If you have a DUI on your record and are looking for more affordable prices, Redpoint County Mutual tends to be the much cheaper option with average rates of $301 a month compared to $380 from State Auto.

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

You may not have known, but your credit score can be used as one of the variables to determine your monthly car insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

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.

So, which carrier offers the lowest premiums for policyholders 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 Redpoint County Mutual or State Auto Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. Normally, those who drive less will end up with more affordable rates since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither Redpoint County Mutual or State Auto report increasing premiums for drivers with higher annual mileage figures. Still, Redpoint County Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $196 a month for both.

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

Where you call home can play a pretty big role in how much you pay for car insurance. Usually, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads in those areas.

When comparing these two carriers side-by-side, Redpoint County Mutual typically comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Redpoint County Mutual offers prices around $238 per month compared to State Auto's $317. People who live in suburban ZIP codes can expect to pay about $177 per month for Redpoint County Mutual and $236 for State Auto. Lastly, those in rural areas tend to get the lowest premiums from both companies, with average monthly prices coming in at $173 and $225 for Redpoint County Mutual and State Auto respectively.

Redpoint County Mutual vs. State Auto 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 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're eligible for.

Below, we've taken a look at all of the different discounts Redpoint County Mutual and State Auto offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

State Auto blows Redpoint County Mutual away when it comes to the sheer amount of discounts available, offering 18 different discounts to Redpoint County Mutual's three.

There are a couple discounts both carriers offer, but State Auto also offers ABS discounts, advance quote discounts, advantage program discounts, and more that Redpoint County Mutual does not.

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

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. But, at the end of the day, is Redpoint County Mutual or State Auto the right carrier for you and your specific profile and needs?

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

• You're worried about the impact your credit score will have on your rates.
• You want basic insurance coverage at the state minimum limits.
• Your neighborhood is in a rural area.

State Auto might be best for you if...

• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between Redpoint County Mutual and State Auto and that you can now make a more informed 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 carriers, not just Redpoint County Mutual and State Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Redpoint County Mutual vs. State Auto FAQs

Is Redpoint County Mutual or State Auto cheaper?

Looking just at the national average prices, Redpoint County Mutual is the cheaper of the two carriers, offering average rates of $196 a month compared to $259 for State Auto. Even so, Redpoint County Mutual won't necessarily be the cheapest company for every driver, since there are lots of different variables that come into play when it comes to your insurance bill.

Who is better, Redpoint County Mutual or State Auto?

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

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

Auto insurance companies take a look at several different factors when calculating the premiums they charge drivers. Variables such as your driving record, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both Redpoint County Mutual and State Auto calculate rates 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 several different carriers.

How do I know if Redpoint County Mutual or State 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 companies 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 ZIP code and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Redpoint County 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.