Acuity vs. Western National: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Western National offers significantly less expensive rates than Acuity
• Western National offers more affordable average prices for policyholders who drive fewer than 6,000 miles every year
• Western National tends to be a much cheaper option for policyholders who live in rural neighborhoods

Acuity or Western National: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Acuity or Western National as potential options, but which carrier will offer you less expensive premiums?

Looking at the national average rates for both carriers, Acuity has average rates that are around 50% a month more expensive than those from Western National.

However, Western National may not be the most affordable or best option for every single driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Wanting to know if Acuity or Western National is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Acuity vs. Western National: Average Car Insurance Rates by State

Acuity and Western National only compete against each other in one states, with Western National offering more affordable prices to the average driver in all of them. Wisconsin has the most noticable difference, where Western National rates are $68 cheaper than car insurance premiums at Acuity.

There's a lot more that goes into your auto insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 70% less per month by choosing Western National over Acuity.

Even so, both carriers will reduce prices by the time drivers turn 25. For example, average rates for Acuity policyholders decrease more than 75% and Western National's premiums lower almost 50% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest auto insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

When looking at Acuity and Western National specifically, which company is best for retired drivers? Western National gets the edge, with premiums for drivers 65 and older $74 less expensive than the national average for Acuity.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper car insurance prices than those who are single. That's generally because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average premiums between these two companies is significant, with Western National rates coming in at about half of Acuity's. The advantage for married drivers with Western National is also obvious, where drivers save over 35% a month.

Acuity or Western National: Average Rates by Gender

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

With Acuity, women normally pay around $20 per month less than men, and nearly $15 with Western National.

Looking at overall affordability, Western National comes out as the lowest option for both genders, with average prices $162 less for men and $157 cheaper for women.

Acuity vs. Western National: 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, insurance isn't the easiest topic to understand. There are so many different coverages and limits 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 property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum limits for liability insurance, Western National has the significant edge, with average monthly premiums coming in at $60. If you want a full coverage policy with the same state minimum limits, Western National again has the edge, with policies averaging about $248 a month to Acuity's $454.

Is Acuity or Western National Better for Drivers with Spotty Records?

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

Accidents and speeding tickets will most likely raise your prices, but is Acuity or Western National more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Western National car insurance policies don't report seeing their premiums increase after getting a ticket, but Acuity policyholders can expect to see their monthly bill increase by around a third.

But Western National tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering rates that are 33% and 52% less expensive, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Acuity drivers who get in an accident can expect to see their prices climb by over $100, while those who have insurance through Western National will see about a $0 increase.

At the end of the day, Western National offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $154 compared to Acuity Insurance's $344.

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 a collision. On average, Acuity will climb your prices around 36% after a DUI, while Western National's average premiums rise by 0%.

But if you end up with a DUI charge and are looking for more affordable rates, Western National tends to be more affordable for the average driver, with monthly premiums coming in at about $154 to Acuity's $357.

How does Credit Score Impact Acuity and Western National Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for quite a few policyholders.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the cheapest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Western National will typically reward you the most. For policyholders with "excellent" credit scores, Western National comes in nearly 73.28 cheaper. Drivers with "good" credit scores usually save around 60% with Western National compared to average prices from Acuity.

Which Company is Best for Drivers with Bad Credit?

Western National typically offers lower rates than Acuity when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 51% per month less with Western National compared to Acuity, and those with "poor" scores generally save an average of around 29% a month.

Is Acuity or Western National 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 substantial impact on your monthly premiums? Usually, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Western National tends to be the less expensive option. Acuity's average prices for drivers with 6,000 annual miles come in just under 50% more expensive than Western National. Those who drive 12,000 miles yearly can expect to pay nearly 55% more with Acuity over Western National.

Acuity or Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a pretty big role in how much you pay for auto insurance. Normally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer cars on the road where they live, which reduces the chances of an accident.

Western National tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Western National's average rates are about $177 a month compared to Acuity's $374. People in suburban areas pay a monthly price of around $127 with Western National compared to $313 with Acuity. Those in rural areas can expect to pay about $158 monthly with Western National compared to Acuity's $253.

Acuity vs. Western National 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, and the best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Acuity and Western National so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Western National has advantage when it comes to total number of discounts. Acuity offers a grand total of nine discounts, while Western National has 12.

A couple of those are overlapping for things like COVID-19 relief discount, distant student discounts, and discounts for insuring multiple cars with the same company. Western National also offers discounts for anti-theft, corporate, driver training, and more.

On the other hand, Acuity has a few proprietary discounts of their own for things like college graduate discounts, continuous insurance discounts, good driving discounts, and more.

Final Thoughts: Is Acuity or Western National Best for You?

So, we've broken down the average prices for many of the variables auto insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which insurance carrier is the best company for you and your specific driver profile?

Western National might be best for you if....

• You will be the only person on the car insurance policy.
• You're looking for the best rates on liability only coverage.
• You have a short drive to work everyday.

Acuity 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 Acuity and Western National. 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 sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Acuity and Western National. 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 auto insurance companies in your area, all in just a few minutes.

Acuity vs. Western National FAQs

Is Acuity or Western National cheaper?

Western National is the cheaper of the two carriers when looking at national average premiums, with policies averaging $154 per month with Western National and $313 for Acuity. That being said, that doesn't mean Western National will be the cheapest company for every driver, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Acuity or Western National?

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

Why do Acuity and Western National offer me different rates?

Auto insurance companies use many different variables when determining the prices they charge. Things such as where your home is, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Western National calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Acuity or Western National is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Acuity or Western National 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.