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

Quick Facts

• Based on national averages for insurance, State Farm offers more affordable premiums than Southern County Mutual
• State Farm has less expensive rates for policyholders who haven't received any speeding tickets or been in a collision in the last few years
• State Farm has cheaper prices for residents of suburban areas

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Southern County Mutual or State Farm as potential options, but which carrier will save you the most?

Looking at the national average rates for both carriers, State Farm has average rates that are around 12% a month less expensive than those from Southern County Mutual.

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

Wanting to know if Southern County 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.

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

Southern County Mutual and State Farm only compete against each other in Texas, where State Farm offers the cheaper average rates. State Farm drivers tend to pay about $56 per month less on average compared to drivers who use Southern County Mutual for their insurance.

That being said, there's a lot more that goes into your auto insurance bill than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. That's normally because teen 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. Just look at the table above -- where 18-year-old drivers who have State Farm for their insurance pay 1% less than those who use Southern County Mutual.

That being said, both carriers will lower rates by the time drivers turn 25. For example, average prices for Southern County Mutual policyholders decrease about $200 and State Farm's premiums reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest car 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 prices for auto insurance.

But who has the best premiums for retired drivers between Southern County Mutual and State Farm? State Farm gets the edge, with prices for drivers 65 and older almost 15% cheaper than the national average for Southern County Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married couples having multiple vehicles on their policy -- something several insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with State Farm prices coming in at about 10% less than Southern County Mutual's. The advantage for married drivers with State Farm is also obvious, where drivers save nearly $25 a month.

Southern County Mutual or State Farm: Average Rates by Gender

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. So, women tend to pay less for auto insurance than men.

Men typically pay almost 10% more per month than women with Southern County Mutual, and around 7% with State Farm.

Looking at overall affordability, State Farm comes out as the lowest option for both genders. On average, male drivers save about $24 a month and women save about $18 with State Farm compared to the average Southern County Mutual policyholder.

Southern 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.

Insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability limits, State Farm has the slight edge, with average monthly rates 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 around $216 per month to Southern County Mutual's $254.

Is Southern 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 car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and at-fault collisions will most likely raise your premiums, but is Southern County Mutual or State Farm less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Southern County Mutual for their insurance can usually expect their monthly bill to go up about 6% after getting a speeding ticket. State Farm policyholders can expect a bit more drastic of an increase of around 14%.

However, State Farm has more affordable rates for drivers in both categories, offering prices that are 19% and 12% less expensive, respectively, compared to Southern County Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Southern County Mutual can expect to see about an $3 -- or around 2% -- rise in their auto insurance premiums. Drivers who use State Farm for their insurance will see a monthly bill about $29 (or 18%) more expensive after reporting a collision to their car insurance company.

At the end of the day, State Farm offers the most affordable prices for drivers with an at-fault collision on their records, with average premiums coming in at $163 compared to Southern County Mutual Insurance Company's $169.

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 an accident. On average, State Farm will climb your rates around 25% after a DUI, while Southern County Mutual's average prices climb by nearly 20%.

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

Did you know many auto insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it will come into play for lots of drivers.

The reasoning insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will generally be forced to pay more.

So, which carrier offers the lowest prices 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 Southern 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 sizable impact on your monthly auto insurance payment? Normally, the more milage you put on your vehicle, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Southern County 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 yearly. Still, for drivers in both categories, State Farm is the more affordable company.

Southern County Mutual or 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 pretty big impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads where they live.

State Farm tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, State Farm's average rates are around 8% less than Southern County Mutual Insurance Company. People who live in suburban areas pay about 9% less with State Farm compared to Southern County Mutual. Those in rural areas can expect to save around 20% with State Farm compared to Southern County Mutual.

Southern County Mutual vs. State Farm 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. That's where auto insurance discounts comes into play.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Southern County Mutual and State Farm 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 knocks Southern County Mutual out of the park when it comes to the sheer number of discounts available, offering 14 more discounts than Southern County Mutual.

There are a couple discounts both carriers offer, but State Farm also offers discounts for ABS, annual mileage, defensive driver, and more.

On the other hand, Southern County Mutual has a few proprietary discounts of their own for things like corporate discounts, paid in full discounts, and umbrella policy discounts.

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

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which carrier is the best fit for you?

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

• You have a clean record.
• Your credit score is high.
• You are purchasing your auto insurance with a spouse.

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

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

Hopefully, this guide has ben a valuable resource as you compare Southern County Mutual and State Farm. 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 car insurance policy is to compare quotes from a handful of carriers, not just Southern County Mutual and State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Southern County Mutual vs. State Farm FAQs

Is Southern County Mutual or State Farm cheaper?

State Farm is the cheaper of the two carriers when looking at national average prices, with policies averaging $158 a month with State Farm and $179 for Southern County Mutual. But that doesn't mean State Farm will be the cheapest company for everyone, since there are a range of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Southern County Mutual or State Farm?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like. For example, Southern County Mutual is less expensive for drivers who have less-than-stellar credit scores, while State Farm offers cheaper rates for policyholders with an at-fault accident on their record.

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

Car insurance companies use a lot of different factors when calculating the premiums they charge. Things like where you park your car, age, where you live, gender, and sometimes even things like your credit score can all come into play. Both Southern County Mutual and State Farm use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the 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 does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Southern 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.