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

Quick Facts

• Looking at the national averages for insurance, Rurual Mutual offers significantly cheaper premiums than State Auto
• Rurual Mutual offers less expensive average prices for residents of rural areas
• State Auto offers more discounts than Rurual Mutual Insurance

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might be considering Rurual Mutual or State Auto, but between the two, which carrier will offer you more affordable premiums?

Looking at nationwide averages, Rurual Mutual is quite a bit cheaper than State Auto, with rates averaging $167 per month compared to $259 with State Auto.

But that doesn't mean Rurual Mutual will necessarily be cheaper than State Auto for each driver. Auto insurance companies use a ton of complex algorithms to calculate prices, so depending on how good your credit score is or how clean your driving record is (among a wide array of other factors), you could see wildly different rates from the ones above.

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

Rurual Mutual or State Auto: Average Car Insurance Rates by State

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That being said, there are plenty of other factors that go into your auto insurance bill than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group out there on the road. Normally, that's because young, inexperienced 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. For example, 18-year-old drivers pay an average of nearly $400 less a month by choosing Rurual Mutual over State Auto.

Even so, with both carriers, you'll see your premiums decrease significantly by the time you turn 25. For example, average rates for Rurual Mutual policyholders lower almost $200 and State Auto's prices reduce more than $500 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? Rurual Mutual gets the edge here, with average premiums coming in at about $135 a month compared to State Auto's $167.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are typically more expensive for single drivers than they are for married drivers? This usually boils down to married policyholders having several cars on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, Rurual Mutual is the clear winner for those who are single, with prices around $138 per month more affordable than State Auto, on average. The advantage for married couples with Rurual Mutual is also obvious, where drivers save about $30 a month.

Rurual Mutual vs. State Auto: Average Rates by Gender

You may not know, but car insurance is generally cheaper for women than it is for men. This is because women are less likely to get speeding tickets and get into accidents, which decreases the chances of an insurance claim.

Women usually pay around 6% per month less than men with Rurual Mutual, while with State Auto, the difference is closer to 9% a month.

When it comes to the most affordable premiums for each gender, Rurual Mutual comes out on top for both men and women. On average, male drivers save about $98 per month and women save about $85 with Rurual Mutual compared to the average State Auto policyholder.

Rurual 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.

It's no secret that insurance can be a complicated subject for most people. There are lots of different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) 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, Rurual Mutual typically offers significantly less expensive rates of $67 compared to State Auto's $149. When it comes to full coverage policies with similar limits, Rurual Mutual again has the edge, with policies around $100 a month more affordable than State Auto, on average.

Is Rurual Mutual or State Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices 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 tickets and at-fault accidents on your record, but which of these two companies offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Rurual Mutual policyholders can expect their rates to go up an average of $10 per month if they get a ticket, while State Auto generally raises premiums about $48 a month, on average.

That being said, Rurual Mutual is normally the cheaper option for drivers both with clean records and with a speeding ticket, offering prices that are 31% and 42% less expensive, respectively, compared to State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with State Auto increasing by just under $100. Rurual Mutual has a less extreme increase, but you can still expect to pay nearly $20 more than you were prior to your first collision.

Overall, the cheaper rates come from Rurual Mutual, with monthly prices averaging $136 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 car insurance bill -- usually a lot more than an accident or ticket. State Auto drivers usually see a 55% raise in their insurance rates after a DUI charge, while Rurual Mutual will generally increase prices by around 59%.

If you have a DUI on your record and are looking for more affordable premiums, Rurual Mutual tends to be the much less expensive option with average rates of $288 per month compared to $380 from State Auto.

How does Credit Score Impact Rurual Mutual and State Auto Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for several drivers.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the best premiums for drivers 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 Rurual Mutual or State Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly car insurance cost. That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither Rurual Mutual or State Auto report increasing prices for drivers with higher annual mileage figures. Even so, Rurual Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average premiums of $167 per month for both.

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

Where you live can have a large impact on your monthly insurance payment. Typically, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the roads in those areas.

When comparing these two carriers side-by-side, Rurual Mutual normally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save about 30% with Rurual Mutual compared to State Auto. Drivers in suburban ZIP codes pay around 44% less with Rurual Mutual compared to State Auto. In urban areas, Rurual Mutual Insurance's average rates are about 33% less than State Auto Insurance.

Rurual Mutual vs. State Auto Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

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.

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

State Auto blows Rurual Mutual away when it comes to the sheer amount of discounts available, offering 12 more discounts than Rurual Mutual.

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

On the flip side, Rurual Mutual has a couple unique discounts of its own -- claim free discounts and group discounts.

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

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

Rurual Mutual might be best for you if....

• You have an at-fault accident on your record.
• Your neighborhood is in the suburbs.
• You live in a rural area.

State Auto might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Rurual Mutual and State Auto. We also hope we've given you the information you need to make the best 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 companies, not just Rurual Mutual and State Auto. Luckily, Compare.com makes it easy for you to do just that. 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.

Rurual Mutual vs. State Auto FAQs

Is Rurual Mutual or State Auto cheaper?

Looking just at the national average prices, Rurual Mutual is the more affordable of the two companies, offering average rates of $167 a month compared to $259 for State Auto. However, Rurual Mutual won't necessarily be the cheapest carrier for everyone, since there are many different variables that come into play when it comes to your insurance bill.

Who is better, Rurual Mutual or State Auto?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for every driver -- it all depends on what your unique car insurance profile looks like.

Why do Rurual Mutual and State Auto offer me different rates?

Insurance carriers take a look at lots of different factors when calculating the rates they charge drivers. Variables such as gender, age, your driving record, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Rurual Mutual and State Auto calculate prices using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Rurual Mutual or State Auto is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be Rurual 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.