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

Quick Facts

• Based on national averages for auto insurance, Texas Farm Bureau offers significantly less expensive rates than Southern County Mutual
• Southern County Mutual may help you save more money -- they offer more discounts than Texas Farm Bureau Insurance
• Texas Farm Bureau tends to be a much cheaper option for policyholders who have a short commute

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty 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 Texas Farm Bureau for your next policy, but which carrier has more affordable premiums for insurance?

Looking at the national average rates for both carriers, Texas Farm Bureau is around $40 a month cheaper than Southern County Mutual.

However, that doesn't mean Texas Farm Bureau will necessarily be more affordable than Southern County Mutual for every single driver. Car insurance companies vary their rates depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and a ton of other factors. So, at the end of the day, premiums from every company will differ quite a bit from person to person.

So, if you want to find out which of Southern County Mutual or Texas Farm Bureau is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

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

Both Southern 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 $40 per month less on average compared to drivers who use Southern County Mutual for their auto insurance.

Typically, where you live will play a large role in how much you pay for insurance, but since both companies only do business in Texas, quite a few other variables will come into play when you compare Southern County Mutual and Texas Farm Bureau. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's typically because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Texas Farm Bureau save over 35% a month compared to those who use Southern County Mutual.

Even so, both carriers will offer you dramatically lower prices by the time drivers turn 25. For example, average premiums for Southern County Mutual policyholders reduce about $200 and Texas Farm Bureau's prices decrease almost $90 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best prices for retired drivers between Southern County Mutual and Texas Farm Bureau? Texas Farm Bureau gets the edge, with rates for drivers 65 and older more than 20% less expensive than the national average for Southern County Mutual.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance premiums than married policyholders. That's because policies for married couples normally cover more than one vehicle, which quite a few companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is significant, with Texas Farm Bureau premiums coming in at a quarter less than Southern County Mutual's. The advantage for married drivers with Texas Farm Bureau is also obvious, where drivers save around $40 per month.

Southern County Mutual or Texas Farm Bureau: 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, insurance companies will often charge women less than men.

Men usually pay nearly 10% more a month than women with Southern County Mutual, but with Texas Farm Bureau, the difference is closer to 11% per month.

When it comes to the lowest prices for each gender, Texas Farm Bureau comes out on top for both men and women, with average rates $40 less for men and $39 cheaper for women.

Southern 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.

It's no secret that car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Texas Farm Bureau has the edge, with average monthly prices 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 about $192 a month to Southern County Mutual's $254.

Is Southern 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 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 Texas Farm Bureau cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Texas Farm Bureau car insurance policies don't report seeing their prices increase after getting a ticket, but Southern County Mutual policyholders can expect to see their monthly bill increase by around $10.

But Texas Farm Bureau has less expensive premiums for drivers in both categories -- their rates are around 57% more affordable for drivers with clean records and 60% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Southern County Mutual can expect to see about an $3 -- or around 2% -- rise in their auto insurance rates. Drivers who use Texas Farm Bureau for their insurance will see a monthly bill about $43 (or 38%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, Texas Farm Bureau offers the most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $114 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 speeding ticket or even a collision. Texas Farm Bureau drivers usually see a 76% increase in their car insurance premiums after a DUI charge, while Southern County Mutual will typically raise rates by around 20%.

But if you end up with a DUI charge and are looking for more affordable prices, Southern County Mutual tends to be more affordable for the average driver, with monthly premiums coming in at about $207 to Texas Farm Bureau's $300.

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

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (California, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for lots of drivers.

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

Looking at Southern County Mutual and Texas Farm Bureau specifically, which company has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Texas Farm Bureau will normally reward you the most. For policyholders with "excellent" credit scores, Texas Farm Bureau comes in nearly 59.33 less expensive. Drivers with "good" credit scores generally save around 34% with Texas Farm Bureau compared to average premiums from Southern County Mutual.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay about 24% less with Texas Farm Bureau than Southern County Mutual, but those whose credit is considered "poor" have it flipped -- saving around 13% per month with Southern County Mutual.

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

How much you drive can have a pretty big impact on your monthly prices. Normally, the more milage you put on your vehicle, the more you can expect to pay for coverage.

In this case, neither Southern County Mutual or Texas Farm Bureau report increasing rates for drivers with higher annual mileage figures. That being said, Texas Farm Bureau comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $139 a month for both.

Southern County Mutual or Texas Farm Bureau: 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 car insurance, but the type of area you live in can have a substantial impact as well. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the roads where they live.

Texas Farm Bureau tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about 17% with Texas Farm Bureau compared to Southern County Mutual. People who live in suburban areas pay around 28% less with Texas Farm Bureau compared to Southern County Mutual. For policyholders in urban ZIP codes, Texas Farm Bureau Insurance's average premiums are about 22% less than Southern County Mutual Insurance Company.

Southern County Mutual vs. Texas Farm Bureau Discounts

No matter 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 you can. That's where car 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 carrier 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 Texas Farm Bureau so that you can find the one that has the most discounts and, therefore, the largest savings.

Overall, Southern County Mutual has advantage when it comes to total number of discounts. Texas Farm Bureau offers a grand total of six discounts, while Southern County Mutual has nine.

A couple of those are overlapping for things like discounts for insuring multiple cars with the same company, multi-policy discounts, and passive restraint discounts. Southern County Mutual also offers discounts for anti-theft, corporate, distant student, and more.

On the other hand, Texas Farm Bureau has a few proprietary discounts of their own for things like academic discounts, driver training discounts, and good driving discounts.

Final Thoughts: Is Southern County Mutual or Texas Farm Bureau 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. But, at the end of the day, which insurance carrier is the right company for you, your vehicle, and your wallet?

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

• You have a clean record.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing auto insurance for a teenager.

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

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Southern County Mutual and Texas Farm Bureau and that you can now make a more informed decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just Southern County Mutual and Texas Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Southern County Mutual vs. Texas Farm Bureau FAQs

Is Southern County Mutual or Texas Farm Bureau cheaper?

Texas Farm Bureau is the cheaper of the two carriers when looking at national average rates, with policies averaging $139 per month with Texas Farm Bureau and $179 for Southern County Mutual. That being said, that doesn't mean Texas Farm Bureau will be the most affordable carrier for each policyholder, since there are a variety of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

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

Sadly, the only answer we can give you is "it depends.". No single company is "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, Southern County Mutual is more affordable for drivers who have less-than-stellar credit scores, while Texas Farm Bureau offers cheaper prices for drivers with an at-fault accident on their record.

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

Car insurance companies use several different variables when determining the premiums they charge. Things like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all come into play. Both Southern County Mutual and Texas Farm Bureau use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance company 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 car insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Southern 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.