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

Quick Facts

• Based on national averages for auto insurance, State Farm offers slightly cheaper premiums than Rurual Mutual
• Rurual Mutual has more affordable prices for drivers who have an at-fault accident on their record
• State Farm tends to be a much less expensive option for people who are single and purchasing car insurance by yourself

Rurual Mutual vs. State Farm: 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 discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Rurual Mutual or State Farm as your top options, but which company will offer you cheaper rates?

Looking at the national average rates for both companies, State Farm is about $9 per month less expensive than Rurual Mutual.

However, that doesn't necessarily mean State Farm will be the more affordable option for every driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things), so prices will vary quite a bit from person to person.

Wanting to know if Rurual Mutual or State Farm is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

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

Rurual Mutual and State Farm only compete against each other in Wisconsin, where State Farm offers the cheaper average rates. For Wisconsin residents, State Farm offers insurance for $144 per month on average. Rurual Mutual's average prices come out to be over 15% more expensive, at $167 monthly.

That being said, there are plenty of other factors that go into your car insurance bill than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers out there on the road. Normally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 Rurual Mutual save more than $15 a month compared to those who use State Farm.

That being said, both companies will drop rates once you turn 25. For example, average premiums for Rurual Mutual policyholders reduce over 55% and State Farm's prices lower nearly 60% 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 cheapest rates you can find.

But who has the best premiums for retired drivers between Rurual Mutual and State Farm? State Farm gets the edge here, with average rates coming in at around $111 a month compared to Rurual Mutual's $135.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married policyholders. This usually boils down to married couples having several cars on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, the two companies are comparable for those who are single, with prices only differing about $6 per month, on average. But for married drivers, the advantage is clear - State Farm has the edge when it comes to average rates.

Rurual Mutual vs. State Farm: Average Rates by Gender

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

On average, men see prices more than $10 a month higher with Rurual Mutual, and around $10 with State Farm.

When it comes to the lowest premiums for each gender, State Farm comes out on top for both men and women, with average rates 5% less for men and 6% cheaper for women.

Rurual Mutual or 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 isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

In this case, Rurual Mutual offers the most affordable average premiums for state minimum liability limits, while State Farm has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with Rurual Mutual Insurance, while full coverage comes out to be about $50 cheaper with State Farm.

Is Rurual Mutual or State Farm 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 tickets and accidents on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Rurual Mutual policyholders can expect their premiums to go up an average of $10 per month if they get a ticket, while State Farm typically raises rates around $21 a month, on average.

Even so, Rurual Mutual has less expensive prices for drivers in both categories, offering rates that are $17 and $28 more affordable, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Rurual Mutual can expect to see about an $19 -- or around 14% -- increase in their car insurance prices. Drivers who use State Farm for their auto insurance will see a monthly bill about $29 (or 18%) more expensive after reporting an accident to their car insurance company.

Overall, the less expensive premiums come from Rurual Mutual, with monthly prices averaging $136 compared to State Farm's $163.

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 -- usually a lot more than a collision or speeding ticket. On average, Rurual Mutual will climb your premiums around 59% after a DUI, while State Farm's average rates increase by over 25%.

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

Often times, your credit score can come into play when companies calculate 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 many policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at State Farm and Rurual Mutual, which carrier has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Rurual Mutual or State Farm Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly car insurance payment. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

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

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

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a big impact as well. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the roads in those areas.

Looking at these carriers side-by-side, State Farm usually comes out as the more affordable option for drivers in rural and urban areas, while Rurual Mutual wins in suburban areas.

If you live in a rural area, you can expect to save around 20% with State Farm compared to Rurual Mutual. Drivers in suburban ZIP codes pay about 18% less with Rurual Mutual compared to State Farm. In urban areas, State Farm's average premiums are around 12% less than Rurual Mutual Insurance.

Rurual Mutual vs. State Farm 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 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.

In the section below, we've taken a look at all of the different discounts Rurual Mutual and State Farm offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

State Farm blows Rurual Mutual away when it comes to the sheer amount of discounts available, offering 17 more discounts than Rurual Mutual.

There are a couple discounts both companies offer, but State Farm also offers ABS discounts, annual mileage discounts, anti-theft 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, group discounts, and paid in full discounts.

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

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right one for you and your specific driver profile?

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

• You value the experience that comes with a large national auto insurance company.
• You're looking for the carrier with the most discounts.
• You have a short commute.

Rurual Mutual might be best for you if...

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You have an at-fault collision on your record.
• Your home is located in the suburbs.

We hope this guide helps you get a better idea of the difference between Rurual Mutual and State Farm 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 Rurual Mutual and State Farm. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Rurual Mutual vs. State Farm FAQs

Is Rurual Mutual or State Farm cheaper?

Looking just at the national average premiums, State Farm is the less expensive of the two carriers, offering average rates of $158 per month compared to $167 for Rurual Mutual. But State Farm won't necessarily be the lowest company for everyone, since there are a bunch of different variables that come into play when it comes to your insurance cost.

Who is better, Rurual Mutual or State Farm?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for each driver -- it all depends on what your unique car insurance profile looks like.

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

Insurance companies take a look at quite a few different factors when calculating the prices they charge policyholders. Variables like gender, where you park your car, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Rurual Mutual and State Farm use different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of 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 information once and you'll get free quotes from dozens of the best 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 Rurual Mutual or State Farm 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.