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

Quick Facts

• Looking at the national averages for auto insurance, West Bend Mutual offers significantly more affordable premiums than Allstate
• Allstate offers more discounts than West Bend Mutual Insurance
• West Bend Mutual has cheaper rates for residents of rural areas

Allstate vs. West Bend Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Allstate or West Bend Mutual as potential options, but which one has less expensive premiums for insurance?

Looking at nationwide averages, Allstate is quite a bit more expensive than West Bend Mutual, with prices averaging $199 per month compared to just $131 with West Bend Mutual.

However, West Bend Mutual may not be the lowest or best option for every single driver out there. Auto insurance companies use a variety of complex algorithms to calculate rates, so depending on how clean your driving record is or how good your credit score is (among numerous other factors), you could see wildly different prices from the ones above.

Wanting to know if Allstate or West Bend Mutual is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Allstate or West Bend Mutual: Average Car Insurance Rates by State

Allstate and West Bend Mutual only compete against each other in three states, with West Bend Mutual offering cheaper rates to the average driver in all of them. Wisconsin has the most noticable difference, where West Bend Mutual prices are over 50% less expensive than car insurance premiums at Allstate.

There are plenty of other factors that go into your insurance payment than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use West Bend Mutual save more than $100 a month compared to those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to West Bend Mutual's three, which can skew the average rates a bit, but the difference here is still considerable.

Even so, with both carriers, you'll see your premiums decrease significantly by the time you turn 25. For example, average rates for Allstate policyholders lower nearly 65% and West Bend Mutual's prices drop over 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable 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 prices for car insurance.

But who has the best rates for retired drivers between Allstate and West Bend Mutual? West Bend Mutual gets the edge, with prices for drivers 65 and older almost 40% more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically less expensive for married policyholders than they are for those who are single? That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, West Bend Mutual is the clear winner for single drivers, with premiums about $69 per month more affordable than Allstate, on average. The advantage for married drivers with West Bend Mutual is also obvious, where drivers save more than 40% a month.

Allstate vs. West Bend Mutual: Average Rates by Gender

Because men are more likely to get tickets and get into collisions, they raise the chances of filing a claim with insurance. Therefore, insurance companies will tend to offer men more expensive prices.

On average, men see premiums around 4% per month higher with Allstate, and about 12% more with West Bend Mutual.

Looking at overall affordability, West Bend Mutual comes out as the cheapest option for both genders. On average, women save about $71 a month and men save around $64 with West Bend Mutual compared to the average Allstate policyholder.

Allstate or 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.

Auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, West Bend Mutual typically offers significantly cheaper rates of $77 compared to Allstate's $108. When it comes to full coverage policies with similar limits, West Bend Mutual again has the edge, with policies about $100 per month less expensive than Allstate, on average.

Is Allstate or West Bend Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that accidents and tickets lead to higher premiums, but which company -- Allstate or West Bend Mutual -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 a month if they get a ticket, while West Bend Mutual normally raises rates around $25 per month, on average.

That being said, West Bend Mutual has more affordable prices for drivers in both categories -- their rates are around 46% cheaper for drivers with clean records and 40% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their premiums climb by just under $75, while those who have insurance through West Bend Mutual will see about a $80 increase.

Overall, West Bend Mutual offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $163 compared to Allstate's $229.

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 an accident. For example, West Bend Mutual increases average rates by $85 a month -- that's over a 50% increase.

West Bend Mutual has the overall lowest prices for drivers with a DUI on their records at $169 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just three for West Bend Mutual, so the data may be skewed slightly.

How does Credit Score Impact Allstate and West Bend Mutual Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect lots of policyholders out there.

Car insurance companies 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.

Looking at Allstate and West Bend Mutual specifically, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with West Bend Mutual. Policyholders with "excellent" credit can save just under 35% compared to Allstate, and those with "good" scores can also expect to see savings -- around $57 or 33% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

West Bend Mutual typically offers lower premiums than Allstate when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $70 per month less with West Bend Mutual compared to Allstate, and those with "poor" scores generally save an average of around $95 a month.

Is Allstate or West Bend Mutual 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 sizable impact on your monthly prices? Usually, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

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 small difference in monthly rates for Allstate, with policyholders who drive the least paying about $3 less each month compared to those who drive 12,000 miles annually. Still, West Bend Mutual is the cheaper option for drivers in both categories.

Allstate vs. West Bend Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for car insurance. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the road in those areas, which increases the chances of an accident.

West Bend Mutual tends to offer the lowest premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both carriers, but West Bend Mutual comes out on top with average prices around $113 per month. West Bend Mutual also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a 29% and 39% a month respective difference when compared to Allstate drivers in similar areas.

Allstate vs. West Bend Mutual Discounts

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

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

Below, we've broken down all of the different discounts offered by both Allstate and West Bend Mutual so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate blows West Bend Mutual away when it comes to the sheer amount of discounts available, offering 24 more discounts than West Bend Mutual.

Both companies offer several of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good driver, and multi-policy discounts -- but Allstate also offers advance quote discounts, agency transfer discounts, alert driving discounts, and more that West Bend Mutual does not.

On the flip side, West Bend Mutual has a couple unique discounts of its own -- advanced safety feature discounts, excess vehicle discounts, group discounts, and more.

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

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which insurance company is the right company for you and your specific driver profile?

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

• You have a clean record.
• Your credit score is high.
• You don't spend much time in your car.

Allstate might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Allstate 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 insurance policy is to compare quotes from a handful of companies, not just Allstate and West Bend Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Allstate vs. West Bend Mutual FAQs

Is Allstate or West Bend Mutual cheaper?

Looking just at the national average premiums, West Bend Mutual is the more affordable of the two companies, offering average rates of $131 per month compared to $199 for Allstate. But West Bend Mutual won't necessarily be the lowest company for everyone, since there are several different factors that are considered when it comes to your auto insurance bill.

Who is better, Allstate or West Bend Mutual?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for every driver -- it all boils down to your unique insurance profile.

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

Auto insurance carriers take a look at many different variables when determining the rates they charge policyholders. Factors like age, your driving record, where you park your vehicle, gender, and sometimes even things like your credit score can all be used. Both Allstate and West Bend Mutual calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car 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, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Allstate or West Bend Mutual at all!

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.