Nationwide vs. Redpoint County Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Nationwide offers more affordable rates than Redpoint County Mutual
• Nationwide offers cheaper average prices for policyholders whose driving record contains an at-fault collision
• Redpoint County Mutual tends to be a much less expensive option for drivers who have a speeding ticket on their driving record

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Nationwide or Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering pretty big savings. But exactly how much can you save by switching?

You might be considering Nationwide or Redpoint County Mutual as your top options, but between the two, which carrier will save you the most?

Looking at nationwide averages, Redpoint County Mutual is around $26 more a month than Nationwide.

Even so, Nationwide may not be the cheapest or best option for each driver out there. Auto insurance carriers use a ton of complex algorithms to determine premiums, so depending on how good your credit score is or how old you are (among a range of other factors), you could see wildly different prices from the ones above.

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

Nationwide vs. Redpoint County Mutual: Average Car Insurance Rates by State

Nationwide and Redpoint County Mutual only compete against each other in Texas, where Nationwide offers the cheaper average premiums. Nationwide drivers tend to pay about $40 per month less on average compared to drivers who use Redpoint County Mutual for their insurance.

There's a lot more that goes into your car insurance payment than just where you live. Continue reading to see how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group out there on the road. It's generally 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 that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Nationwide save almost 10% a month compared to those who use Redpoint County Mutual. It's worth noting that Nationwide offers insurance in 34 different states compared to Redpoint County Mutual's one, which can skew the average rates a bit, but the difference here is still considerable.

However, with both companies, you'll see your prices reduce significantly by the time you turn 25. For example, average premiums for Nationwide policyholders drop over 60% and Redpoint County Mutual's rates lower nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable auto insurance prices out there. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

When looking at Nationwide and Redpoint County Mutual specifically, which carrier is best for retired drivers? Nationwide gets the edge, with prices for drivers 65 and older more than 15% more affordable than the national average for Redpoint County Mutual.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are generally more expensive for those who are single than they are for married policyholders? That's usually 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 prices between these two carriers is significant, with Nationwide premiums coming in at about 10% less than Redpoint County Mutual's. For married drivers, the advantage is clear again - Nationwide has the edge when it comes to average rates.

Nationwide or Redpoint County Mutual: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll normally end up paying more for insurance than women.

Usually, women see premiums around 7% per month less with Nationwide, and almost 10% less with Redpoint County Mutual when compared to their male counterparts.

Looking at the data for each company specifically, Nationwide comes out as the lowest option for both genders. On average, women save about $23 a month and men save about $29 with Nationwide compared to the average Redpoint County Mutual policyholder.

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Nationwide vs. Redpoint County Mutual: 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, auto insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Nationwide has the slight edge, with average monthly prices coming in at $112. If you want a full coverage policy with the same state minimum limits, Nationwide again has the edge, with policies averaging around $229 per month to Redpoint County Mutual's $277.

Is Nationwide or Redpoint County Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault collisions and speeding tickets lead to higher premiums, but which carrier -- Nationwide or Redpoint County Mutual -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual insurance policies don't report seeing their rates increase after getting a ticket, but Nationwide policyholders can expect to see their monthly bill increase by.

If you have gotten a speeding ticket, Redpoint County Mutual tends to offer the best premiums at about 7% cheaper, while Nationwide has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Redpoint County Mutual raising by around 33%. Nationwide has a less extreme rise, but you can still expect to pay nearly 30% more than you were prior to your first collision.

At the end of the day, drivers who use Nationwide end up with the cheaper prices after an accident, with average prices coming in at $178 compared to Redpoint County Mutual's $206.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. For example, Redpoint County Mutual increases average premiums by more than $150 a month -- that's just under a 55% increase.

Nationwide has the overall lowest rates for drivers with a DUI on their records at $230 a month, but it's worth noting that Nationwide's average rates come from 34 states compared to just one for Redpoint County Mutual, so the data may be skewed slightly.

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How does Credit Score Impact Nationwide and Redpoint County Mutual Rates?

You may not realized it, but 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 car insurance factor, but it does affect a lot of drivers out there.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with less expensive prices.

Looking specifically at Nationwide and Redpoint County Mutual, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Nationwide will usually reward you the most. For policyholders with "excellent" credit scores, Nationwide comes in more than 15.29 more affordable. Drivers with "good" credit scores normally save about 14% with Nationwide compared to average rates from Redpoint County Mutual.

Which Company is Best for Drivers with Bad Credit?

Nationwide typically offers lower prices than Redpoint County Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 13% per month less with Nationwide compared to Redpoint County Mutual, and those with "poor" scores typically save an average of about 12% monthly.

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Is Nationwide or Redpoint County Mutual 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 how much car insurance carriers will charge for coverage. Generally, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Redpoint County Mutual charges. However, there's a small difference in monthly prices for Nationwide, with policyholders who drive 6,000 miles every year paying around $1 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Nationwide is the less expensive company.

Nationwide or Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a sizable role in how much you pay for auto insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Nationwide boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay about $151 per month with Nationwide and $173 with Redpoint County Mutual. People in suburban areas pay a monthly premium of around $159 with Nationwide compared to $177 with Redpoint County Mutual. In urban areas, Nationwide's average premiums are about $199 while Redpoint County Mutual offers rates around $238.

Nationwide vs. Redpoint County Mutual Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Nationwide and Redpoint County Mutual offer their customers so that you can see which one can save you the most money each month.

Nationwide blows Redpoint County Mutual away when it comes to the sheer amount of discounts available, offering 19 more discounts than Redpoint County Mutual.

Both companies offer lots of the same discounts -- like discounts for being a good driver, group discounts, and passive restraint discounts -- but Nationwide also offers discounts for advance quote, agency transfer, anti-theft, and more.

Redpoint County Mutual's discounts come through just three categories -- Good Driving, Group Discount, and Passive Restraint.

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Final Thoughts: Is Nationwide or Redpoint County Mutual Best for You?

So, we've broken down the average prices for many of the factors auto insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best carrier for you and your specific needs?

Nationwide might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for discounts -- Nationwide has the most.
• You live in a rural neighborhood.

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

• You live in one of the following states: Texas.
• You've received a ticket for speeding recently and don't want to see your premiums increase.

Hopefully, this guide helps you get a good idea of the differences between Nationwide and Redpoint County Mutual. We also hope we've given you the information you need to make the best decision about your car 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 companies, not just Nationwide and Redpoint County Mutual. Luckily, sites like Compare.com make 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 carriers in your area, all for free.

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Nationwide vs. Redpoint County Mutual FAQs

Is Nationwide or Redpoint County Mutual cheaper?

Nationwide is the more affordable of the two companies when looking at national average rates, with policies averaging $170 a month with Nationwide and $196 for Redpoint County Mutual. But that doesn't mean Nationwide will be the lowest company for every driver, since there are a bunch of different variables that come into play when it comes to your insurance bill.

Who is better, Nationwide or Redpoint County Mutual?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Nationwide and Redpoint County Mutual offer me different rates?

Insurance carriers use several different factors when determining the prices they charge. Things such as your driving record, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Nationwide and Redpoint County Mutual calculate rates using different variables, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Nationwide or Redpoint County Mutual is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Nationwide or Redpoint County Mutual 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.