Celina Mutual vs. Progressive: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Progressive offers significantly cheaper premiums than Celina Mutual
• Progressive may help you save more money -- they offer more discounts than Celina Mutual Insurance
• Progressive tends to be a much more affordable option for policyholders who live in urban areas

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Celina Mutual or Progressive: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You might have narrowed it down to Celina Mutual or Progressive as your top options, but between the two, which company will save you the most?

Looking at nationwide averages, Progressive is quite a bit cheaper than Celina Mutual, with prices averaging $180 a month compared to $272 with Celina Mutual.

However, Progressive may not be the lowest or best option for each driver out there. Auto insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and tons of other factors, so rates could change drastically from person to person.

Luckily, we've broken down average prices from both Celina Mutual and Progressive by multiple different rate factors, so read on to find out which company is the best for you.

Celina Mutual vs. Progressive: Average Car Insurance Rates by State

Celina Mutual and Progressive only compete against each other in Tennessee, where Progressive offers the cheaper average premiums. Progressive drivers tend to pay about $133 per month less on average compared to drivers who use Celina Mutual for their car insurance.

That being said, there's a lot more that goes into your insurance payment than just where you call home. Read on to find out more.

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Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. It's normally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

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 over 35% less a month by choosing Progressive over Celina Mutual.

Even so, with both companies, you'll see your rates decrease significantly once you turn 25. For example, average prices for Celina Mutual policyholders reduce more than 60% and Progressive's premiums drop almost 70% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you can find.

So, which carrier offers the best premiums to retired drivers? Progressive gets the edge here, with average prices coming in at around $131 per month compared to Celina Mutual's $168.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be less expensive for married drivers than they are for those who are single. That's generally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Progressive prices coming in at a third less than Celina Mutual's. The advantage for married policyholders with Progressive is also obvious, where drivers save over 30% per month.

Celina Mutual or Progressive: Average Rates by Gender

You may not know, but men typically pay more for car insurance than women do. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher rates.

With Celina Mutual, women usually pay about $25 a month less than men, and around $5 with Progressive.

Looking at the data for each company specifically, Progressive offers the most affordable average premiums for both men and women, with average prices 36% less for men and 31% cheaper for women.

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Celina Mutual vs. Progressive: 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 so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers 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 insurance, Progressive has the edge, with average monthly premiums coming in at $111. If you want a full coverage policy with the same state minimum limits, Progressive again has the edge, with policies averaging about $250 per month to Celina Mutual's $403.

Is Celina Mutual or Progressive 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.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Celina Mutual for their car insurance can normally expect their monthly bill to go up around 17% after getting a speeding ticket. Progressive policyholders can expect a bit more drastic of an increase of about 17%.

But Progressive is generally the cheaper option for both drivers who have clean records and those with a recent ticket -- their rates are around 3% more affordable for drivers with clean records and 3% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in a collision can expect to see their rates increase by just under $150, while those who have insurance through Progressive will see around a $65 increase.

At the end of the day, the cheaper premiums come from Progressive, with average prices coming in at $214 compared to Celina Mutual Insurance's $285.

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 an accident or speeding ticket. For example, Celina Mutual increases average rates by more than $300 a month -- that's more than a 65% increase.

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How does Credit Score Impact Celina Mutual and Progressive Rates?

Did you know many insurance carriers take into account your credit score when determining premiums? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it does affect several policyholders out there.

The reasoning car insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

Looking at Celina Mutual and Progressive specifically, which carrier has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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Is Celina Mutual or Progressive Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance cost. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in a collision and file an insurance claim.

In this case, neither Celina Mutual or Progressive report increasing premiums for drivers with higher annual mileage figures. That being said, Progressive comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average rates of $180 per month for both.

Celina Mutual or Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a big role in how much you pay for insurance. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of vehicles that are on the roads where they live.

When comparing these two companies side-by-side, Progressive generally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Progressive's average rates are about 45% less than Celina Mutual Insurance. People who live in suburban areas pay around 2% less with Progressive compared to Celina Mutual. Those in rural areas can expect to save about 39% with Progressive compared to Celina Mutual.

Celina Mutual vs. Progressive 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 insurance discounts comes into play.

The hard part is finding all of the discounts you qualify 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 broke down all of the different discounts offered by both Celina Mutual and Progressive so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive blows Celina Mutual away when it comes to the sheer amount of discounts available, offering 34 different discounts to Celina Mutual's 17.

There are a couple discounts both carriers offer, but Progressive also offers discounts for ABS, advanced safety feature, agency transfer, and more.

On the other hand, Celina Mutual has a few proprietary discounts of their own for things like claim free discounts, driver training discounts, empty nester discounts, and more.

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Final Thoughts: Is Celina Mutual or Progressive Best for You?

So, we've broken down the average premiums for many of the variables car insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right fit for you?

Progressive might be best for you if....

• Your driving record contains an at-fault collision.
• Your credit is less-than-stellar.
• You've started working from home and don't have much of a commute.

Celina 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 Celina Mutual and Progressive and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Celina Mutual and Progressive. Luckily, sites like Compare.com do all the hard work for you. 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.

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Celina Mutual vs. Progressive FAQs

Is Celina Mutual or Progressive cheaper?

Progressive is the less expensive of the two carriers when looking at national average prices, with policies averaging $180 a month with Progressive and $272 for Celina Mutual. That being said, that doesn't mean Progressive will be the most affordable carrier for everyone, since there are a range of different factors that are considered when it comes to your auto insurance bill.

Who is better, Celina Mutual or Progressive?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Celina Mutual and Progressive offer me different rates?

Insurance companies use quite a few different variables when calculating the premiums they charge. Things such as where your home is, where you park your car, age, gender, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Progressive calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Celina Mutual or Progressive is right for me?

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code 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 premium. And maybe you'll find that the best carrier for you isn't Celina Mutual or Progressive at all, but another you hadn't even thought of!

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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.