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

Quick Facts

• Based on national averages for car insurance, State Farm offers less expensive prices than Redpoint County Mutual
• Redpoint County Mutual has more affordable rates for drivers who have a speeding ticket on their driving record
• State Farm offers more affordable premiums for policyholders who drive fewer than 12,000 miles yearly

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

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

You've maybe even narrowed your search down to Redpoint County Mutual or State Farm, but which carrier has cheaper rates for auto insurance?

Looking at nationwide averages, State Farm is around $38 a month more affordable than Redpoint County Mutual.

That being said, that doesn't mean State Farm will necessarily be less expensive than Redpoint County Mutual for each driver. Car insurance carriers use a ton of complex algorithms to determine prices, so depending on how clean your driving record is or where you live (among a range of other factors), you could see wildly different rates from the ones above.

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

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

Redpoint County Mutual and State Farm only compete against each other in Texas, where State Farm offers the cheaper average premiums. State Farm drivers tend to pay about $73 per month less on average compared to drivers who use Redpoint County Mutual for their insurance.

But there's more to calculating car insurance rates than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of 15% less a month by choosing State Farm over Redpoint County Mutual.

Even so, both companies will reduce premiums by the time you turn 25. For example, average prices for Redpoint County Mutual policyholders lower almost 60% and State Farm's premiums decrease nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest car insurance rates out there. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise prices.

But who has the best premiums for retired drivers between Redpoint County Mutual and State Farm? State Farm gets the edge, with rates for drivers 65 and older over 25% cheaper than the national average for Redpoint County Mutual.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are generally more affordable for married couples than they are for those who are single? That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with State Farm prices coming in at a quarter less than Redpoint County Mutual's. The advantage is also clear for married drivers - State Farm offers the cheapest average rates.

Redpoint County Mutual or State Farm: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

Normally, women see prices almost 10% per month less with Redpoint County Mutual, and about 7% less with State Farm when compared to their male counterparts.

Looking at overall affordability, State Farm comes out as the lowest option for both genders. On average, male drivers save about $41 a month and women save around $35 with State Farm compared to the average Redpoint County Mutual policyholder.

Redpoint County Mutual vs. 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. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, State Farm has the edge, with average monthly premiums coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging about $216 per month to Redpoint County Mutual's $277.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Accidents and speeding tickets will most likely raise your rates, but is Redpoint County Mutual or State Farm less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual car insurance policies don't report seeing their premiums increase after getting a ticket, but State Farm policyholders can expect to see their monthly bill increase by.

If you have gotten a speeding ticket, Redpoint County Mutual tends to offer the best prices at around 10% cheaper, while State Farm has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Redpoint County Mutual drivers who get in an accident can expect to see their rates rise by over $65, while those who have insurance through State Farm will see about a $30 increase.

At the end of the day, drivers who use State Farm end up with the cheaper prices after an accident, with average prices coming in at $163 compared to Redpoint County Mutual's $206.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. For example, Redpoint County Mutual increases average rates by more than $150 a month -- that's nearly a 55% increase.

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

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it does affect lots of policyholders out there.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable premiums.

Looking specifically at Redpoint County Mutual and State Farm, which one has the most affordable 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 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 pretty big impact on your monthly premiums? Typically, the more milage you put on your car, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Redpoint County Mutual charges. However, there's a small difference in monthly rates for State Farm, with drivers who put 6,000 miles on their vehicle every year paying around $13 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, State Farm is the cheaper company.

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

Where you call home can play a substantial role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than drivers in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

State Farm boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, State Farm's average premiums are about $53 less than Redpoint County Mutual. People who live in suburban areas pay around $16 less with State Farm compared to Redpoint County Mutual. Those in rural areas can expect to save about $46 with State Farm compared to Redpoint County Mutual.

Redpoint County Mutual vs. State Farm Discounts

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

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Redpoint County Mutual and State Farm offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

State Farm blows Redpoint County Mutual away when it comes to the sheer amount of discounts available, offering 23 different discounts to Redpoint County Mutual's three.

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver and passive restraint discounts -- but State Farm also offers discounts for ABS, annual mileage, anti-theft, and more.

On the other hand, Redpoint County Mutual has a proprietary discount of their own -- a group discounts.

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

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Redpoint County Mutual or State Farm the right company for you and your specific profile and needs?

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

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You're looking for the best rates on liability only coverage.
• You're married and plan to have both of your names on the vehicle's car insurance policy.

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

• You've received a ticket for speeding recently and don't want to see your premiums climb.

Hopefully, this guide has ben a valuable resource as you compare Redpoint County Mutual and State Farm and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Redpoint County Mutual and State Farm. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Redpoint County Mutual vs. State Farm FAQs

Is Redpoint County Mutual or State Farm cheaper?

State Farm is the less expensive of the two companies when looking at national average rates, with policies averaging $158 per month with State Farm and $196 for Redpoint County Mutual. But that doesn't mean State Farm will be the cheapest carrier for every driver, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Redpoint County Mutual or State Farm?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for each policyholder -- it all boils down to your unique auto insurance profile. For example, Redpoint County Mutual is cheaper for drivers who have less-than-stellar credit scores, while State Farm offers less expensive prices for drivers with an at-fault accident on their record.

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

Insurance carriers use quite a few different variables when determining the rates they charge. Things such as your driving record, where you park your vehicle, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Redpoint County Mutual and State Farm calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Redpoint County Mutual or State Farm 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.