Acuity vs. West Bend Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, West Bend Mutual offers significantly less expensive prices than Acuity
• West Bend Mutual offers more affordable premiums for policyholders who drive a short distance to work everyday
• West Bend Mutual has more affordable rates for policyholders who live in urban areas

Acuity or West Bend Mutual: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Acuity or West Bend Mutual, but between the two, which company has cheaper premiums for insurance?

Looking at nationwide averages, Acuity has average rates that are around 60% a month more expensive than those from West Bend Mutual.

That being said, that doesn't mean West Bend Mutual will necessarily be less expensive than Acuity for each driver. Auto insurance carriers use a ton of complex algorithms to determine prices, so depending on how good your credit score is or how clean your driving record is (among lots of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Acuity and West Bend Mutual by a variety of different rate factors, so read on to find out which carrier is the best for you.

Acuity vs. West Bend Mutual: Average Car Insurance Rates by State

Acuity and West Bend Mutual only compete against each other in one states, with West Bend Mutual offering more affordable prices to the average driver in all of them. Wisconsin has the most noticable difference, where West Bend Mutual premiums are $124 cheaper than car insurance rates at Acuity.

But there's more to calculating insurance prices than just where you call home. Read on to find out more.

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. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 65% less per month by choosing West Bend Mutual over Acuity.

But with both companies, you'll see your rates lower significantly once you turn 25. For example, average prices for Acuity policyholders decrease more than 75% and West Bend Mutual's rates drop over 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable auto insurance premiums you can find. After all, they've likely been driving for quite some time, which usually lowers their chances of collisions and other infractions that can raise prices.

So, which company offers the best premiums to retired drivers? West Bend Mutual gets the edge here, with average rates coming in at about $92 a month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average premiums between these two companies is significant, with West Bend Mutual rates coming in at around a third of Acuity's. The advantage is also clear for married policyholders - West Bend Mutual offers the lowest average prices.

Acuity or West Bend Mutual: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into accidents. That means when it comes to auto insurance men will typically end up paying a little more.

On average, women see rates about 6% a month less with Acuity, and around 12% less with West Bend Mutual.

When it comes to the cheapest prices for each gender, West Bend Mutual offers the lowest average premiums for both men and women. On average, male drivers save about $184 per month and women save about $181 with West Bend Mutual compared to the average Acuity policyholder.

Acuity vs. West Bend 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.

Car insurance can be a complicated subject for most people. There are a bunch of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, West Bend Mutual has the significant edge, with average monthly rates coming in at $77. If you want a full coverage policy with the same state minimum limits, West Bend Mutual again has the edge, with policies averaging around $186 a month to Acuity's $454.

Is Acuity or West Bend Mutual 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 speeding tickets and accidents on your record, but which of these two carriers offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Acuity for their auto insurance can generally expect their monthly bill to go up about 29% after getting a speeding ticket. West Bend Mutual policyholders can expect a less drastic increase of around 23%.

Even so, West Bend Mutual is typically the less expensive option for both drivers who have a recent ticket and those with clean records, offering premiums that are 63% and 66% more affordable, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Acuity can expect to see about an $115 -- or around 33% -- rise in their auto insurance rates. Drivers who use West Bend Mutual for their insurance will see a monthly bill about $79 (or 48%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, drivers who use West Bend Mutual end up with the cheaper prices after an accident, with average prices coming in at $163 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. For example, Acuity increases average premiums by nearly $150 per month -- that's more than a 35% increase.

But if you end up with a DUI charge and are looking for more affordable rates, West Bend Mutual tends to be cheaper for the average driver, with monthly premiums coming in at around $169 to Acuity's $357.

How does Credit Score Impact Acuity and West Bend 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 an auto insurance factor, but it does affect quite a few drivers out there.

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

Looking specifically at West Bend Mutual and Acuity, which one has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, West Bend Mutual will generally reward you the most. For policyholders with "excellent" credit scores, West Bend Mutual comes in nearly 62.98 less expensive. Drivers with "good" credit scores normally save about 60% with West Bend Mutual compared to average premiums from Acuity.

Which Company is Best for Drivers with Bad Credit?

West Bend Mutual typically offers lower rates than Acuity when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 58% a month less with West Bend Mutual compared to Acuity, and those with "poor" scores usually save an average of about 54% per month.

Is Acuity or West Bend 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 auto insurance carriers will charge for coverage. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much West Bend Mutual charges. However, there's a pretty significant difference in monthly prices for Acuity, with policyholders who drive 6,000 miles annually paying around $33 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, West Bend Mutual is the more affordable company.

Acuity or West Bend Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

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

West Bend Mutual boasts the most affordable 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 $113 monthly with West Bend Mutual and $253 with Acuity. Drivers in suburban ZIP codes pay around $122 with West Bend Mutual compared to Acuity's $313 per month. For drivers in urban ZIP codes, West Bend Mutual's average prices are about $158 per month compared to Acuity's $374.

Acuity vs. West Bend Mutual 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, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the company 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 broke down all of the different discounts offered by both Acuity and West Bend Mutual so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

West Bend Mutual knocks Acuity out of the park when it comes to the sheer number of discounts available, offering 16 different discounts to Acuity's 16.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver, distant student discounts, and discounts for being a good student -- but West Bend Mutual also offers discounts for ABS, advanced safety feature, anti-theft, and more.

On the other hand, Acuity has a few proprietary discounts of their own for things like college graduate discounts, continuous insurance discounts, and COVID-19 relief discount.

Final Thoughts: Is Acuity or West Bend Mutual Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which carrier is the right company for you and your specific profile and needs?

West Bend Mutual might be best for you if....

• Your driving record includes a DUI charge.
• You don't spend much time in your car.

Acuity 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 Acuity and West Bend Mutual and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Acuity and West Bend Mutual. 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 insurance carriers in your area, all for free.

Acuity vs. West Bend Mutual FAQs

Is Acuity or West Bend Mutual cheaper?

West Bend Mutual is the cheaper of the two companies when looking at national average premiums, with policies averaging $131 a month with West Bend Mutual and $313 for Acuity. However, that doesn't mean West Bend Mutual will be the lowest company for everyone, since there are many different factors that are considered when it comes to your auto insurance bill.

Who is better, Acuity or West Bend Mutual?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Acuity and West Bend Mutual offer me different rates?

Insurance carriers use many different variables when determining the rates they charge. Things like gender, age, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and West Bend Mutual calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Acuity or West Bend Mutual is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once 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 most affordable rate. And maybe you'll find that the best company for you isn't Acuity or West Bend Mutual 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.