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

Quick Facts

• Looking at the national averages for auto insurance, Texas Farm Bureau offers significantly less expensive premiums than Redpoint County Mutual
• Texas Farm Bureau tends to be a much cheaper option for drivers with a DUI
• Texas Farm Bureau offers more affordable prices for policyholders who live in urban areas

Redpoint County Mutual or Texas Farm Bureau: 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've maybe even narrowed your search down to Redpoint County Mutual or Texas Farm Bureau as your top options, but between the two, which carrier will offer you less expensive premiums?

As you can see, Texas Farm Bureau has average rates that are around 30% a month more affordable than those from Redpoint County Mutual when looking at the national average rates for insurance.

That being said, that doesn't mean Texas Farm Bureau will necessarily be cheaper than Redpoint County Mutual for every driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your age, your credit score, or even where you call home (among other things), so prices will vary quite a bit from person to person.

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

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

Both Redpoint County Mutual and Texas Farm Bureau only offer insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. Texas Farm Bureau drivers tend to pay about $57 per month less on average compared to drivers who use Redpoint County Mutual for their auto insurance.

Typically, where you call home will play a big role in how much you pay for car insurance, but since both companies only do business in Texas, a wide array of other variables will come into play when you compare Redpoint County Mutual and Texas Farm Bureau. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. That's because 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Texas Farm Bureau save almost 45% a month compared to those who use Redpoint County Mutual.

However, both companies will lower premiums once you turn 25. For example, average rates for Redpoint County Mutual policyholders decrease about $250 and Texas Farm Bureau's prices drop nearly $90 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

So, which carrier offers the best rates to retired drivers? Texas Farm Bureau gets the edge, with premiums for drivers 65 and older $48 less expensive than the national average for Redpoint County Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be cheaper for married policyholders than they are for single drivers. That's because policies for married drivers generally cover multiple vehicles, which quite a few carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with Texas Farm Bureau premiums coming in at a quarter less than Redpoint County Mutual's. The advantage for married couples with Texas Farm Bureau is also obvious, where drivers save over 30% per month.

Redpoint County Mutual or Texas Farm Bureau: Average Rates by Gender

You may not know, but insurance is normally more expensive for men than for women. That's because women are less likely to get tickets and get into collisions, which lowers the chances of filing a claim with insurance.

Normally, women see prices around $20 a month more affordable with Redpoint County Mutual, and about $15 with Texas Farm Bureau.

Looking at overall affordability, Texas Farm Bureau comes out on top for both men and women, with average rates 28% less for men and 30% cheaper for women.

Redpoint County Mutual vs. Texas Farm Bureau: 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.

Auto insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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

Looking specifically at state minimum liability limits, Texas Farm Bureau has the edge, with average monthly premiums coming in at $87. If you want a full coverage policy with the same state minimum limits, Texas Farm Bureau again has the edge, with policies averaging around $192 per month to Redpoint County Mutual's $277.

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

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

Collisions and speeding tickets will most likely raise your prices, but is Redpoint County Mutual or Texas Farm Bureau cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual insurance policies don't report seeing their rates increase after getting a ticket, but Texas Farm Bureau policyholders can expect to see their monthly bill increase by about $0.

But Texas Farm Bureau is typically the more affordable option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 49% less expensive for drivers with clean records and 49% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with Redpoint County Mutual climbing by around 33%. Texas Farm Bureau has a less extreme increase, but you can still expect to pay nearly 40% more than you were prior to your first accident.

At the end of the day, Texas Farm Bureau offers the lowest prices for drivers with an at-fault collision on their records, with average rates coming in at $114 compared to Redpoint County Mutual's $206.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Texas Farm Bureau drivers usually see a 76% raise in their car insurance prices after a DUI charge, while Redpoint County Mutual will normally climb premiums by about 54%.

But if you end up with a DUI charge and are looking for more affordable rates, Texas Farm Bureau tends to be more affordable for the average driver, with monthly premiums coming in at around $300 to Redpoint County Mutual's $301.

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

Did you know many auto insurance companies take your credit score into account when determining prices? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect lots of drivers out there.

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, policyholders with good credit will often be rewarded with less expensive premiums.

So, which company offers the most affordable rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Texas Farm Bureau will usually reward you the most. For policyholders with "excellent" credit scores, Texas Farm Bureau comes in more than 61.15 cheaper. Drivers with "good" credit scores generally save about 39% with Texas Farm Bureau compared to average premiums from Redpoint County Mutual.

Which Company is Best for Drivers with Bad Credit?

Texas Farm Bureau typically offers lower prices than Redpoint County Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 28% a month less with Texas Farm Bureau compared to Redpoint County Mutual, and those with "poor" scores normally save an average of about 1% monthly.

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

How much you drive can have a substantial impact on your monthly auto insurance bill. Typically, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Redpoint County Mutual or Texas Farm Bureau report increasing rates for drivers with higher annual mileage figures. Even so, Texas Farm Bureau comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average prices of $139 per month for both.

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

Where your home is can play a pretty big role in how much you pay for insurance. Generally, those who live in urban areas will pay more than drivers in rural areas because of the number of cars that are on the roads where they live.

Texas Farm Bureau boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Texas Farm Bureau's average premiums are around $158 while Redpoint County Mutual offers prices about $238. People in suburban areas pay a monthly rate of around $128 with Texas Farm Bureau compared to $177 with Redpoint County Mutual. Those in rural areas can expect to pay about $132 per month with Texas Farm Bureau and $173 with Redpoint County Mutual.

Redpoint County Mutual vs. Texas Farm Bureau 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 utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Redpoint County Mutual and Texas Farm Bureau 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.

Looking at the total number of discounts, Texas Farm Bureau comes out ahead with six discounts to Redpoint County Mutual's three.

There are a couple discounts both carriers offer, but Texas Farm Bureau also offers discounts for academic, driver training, multi-car, 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 Texas Farm Bureau Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the right one for you and your specific needs?

Texas Farm Bureau might be best for you if....

• You will be the only person on the car insurance policy.
• You care about discounts (Texas Farm Bureau offers the most).
• You are purchasing your insurance with a spouse.

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

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

Hopefully, this guide helps you get a good idea of the differences between Redpoint County Mutual and Texas Farm Bureau and that you can now make a more informed decision when it comes to your car 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 multiple carriers, not just Redpoint County Mutual and Texas Farm Bureau. Luckily, Compare.com does all the hard work for you. 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.

Redpoint County Mutual vs. Texas Farm Bureau FAQs

Is Redpoint County Mutual or Texas Farm Bureau cheaper?

Texas Farm Bureau is the less expensive of the two carriers when looking at national average premiums, with policies averaging $139 a month with Texas Farm Bureau and $196 for Redpoint County Mutual. Even so, that doesn't mean Texas Farm Bureau will be the cheapest carrier for everyone, since there are multiple different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Redpoint County Mutual or Texas Farm Bureau?

Sadly, the real answer is "it depends.". No one company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

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

Insurance companies use many different variables when calculating the prices they charge. Factors like where you park your vehicle, gender, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Redpoint County Mutual and Texas Farm Bureau calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the car 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, 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 auto insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Redpoint County Mutual or Texas Farm Bureau 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.