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

Quick Facts

• Based on national averages for auto insurance, Western National offers significantly more affordable rates than Allstate
• Allstate offers more discounts than Western National Insurance Company
• Western National offers more affordable prices for residents of urban areas

Allstate vs. Western National: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Allstate or Western National for your next policy, but which company will offer you cheaper rates?

As you can see, Western National has average rates that are about 23% per month less expensive than those from Allstate when looking at the national average rates for car insurance.

Even so, that doesn't mean Western National will necessarily be cheaper than Allstate for every driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so prices will differ quite a bit from person to person.

So, if you want to find out which of Allstate or Western National is really the best for you, keep reading to see average premiums for each company broken down by several different rate factors.

Allstate or Western National: Average Car Insurance Rates by State

Allstate and Western National compete against each other in four states, with Allstate offering less expensive rates to the average driver in all of them. If you live in Iowa, Allstate is the more affordable of the two carriers when looking at the overall average premiums. Western National is the cheaper option in Minnesota, South Dakota, and Wisconsin.

That being said, there's a lot more that goes into your auto insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers out there on the road. That's typically 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 auto insurance. Just look at the table above -- where 18-year-old drivers who have Western National for their car insurance pay nearly $150 less than those who use Allstate.

That being said, both companies will drop prices once you turn 25. Western National offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average rates decrease almost 65% during that same period.

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 lowest prices you'll ever find.

But who has the best premiums for retired drivers between Allstate and Western National? Western National gets the edge here, with average rates coming in at around $109 per month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be more affordable for married policyholders than they are for single drivers. This usually boils down to married couples having multiple cars on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, Western National is the clear winner for single policyholders, with premiums about $56 a month less expensive than Allstate, on average. The advantage is also clear for married drivers - Western National offers the cheapest average prices.

Allstate vs. Western National: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they are more likely to file a claim with insurance. Therefore, men tend to get higher rates than women.

Men normally pay nearly $10 per month more than women with Allstate, while with Western National, the difference is closer to $14 a month.

When it comes to the most affordable rates for each gender, Western National comes out on top for both men and women, with average premiums $42 less for men and $47 cheaper for women.

Allstate or 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.

It's no secret that auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

However, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Western National usually offers significantly cheaper rates of $60 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Western National again has the edge, with policies around $40 per month less expensive than Allstate, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto 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 prices, but which carrier -- Allstate or Western National -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National insurance policies don't report seeing their prices increase after getting a ticket, but Allstate policyholders can expect to see their monthly bill increase by about $25.

Even so, Western National has more affordable premiums for drivers in both categories. Drivers with a clean record can save around $2 a month with Western National Insurance Company, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Allstate increasing by just under $75. Western National has a less extreme climb, but you can still expect to pay $0 more than you were prior to your first collision.

Overall, the cheaper prices come from Western National, with monthly premiums averaging $154 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 a collision. Allstate drivers usually see a 31% increase in their car insurance rates after a DUI charge, while Western National will generally raise prices by about 0%.

If you have a DUI on your record and are looking for more affordable premiums, Western National tends to be the much less expensive option with average rates of $154 monthly compared to $227 from Allstate.

How does Credit Score Impact Allstate and Western National Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it does affect many policyholders out there.

The reasoning insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will normally be forced to pay more.

So, which company offers the cheapest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Western National. Drivers with "excellent" credit can save over 50% compared to Allstate, and those with "good" scores can also expect to see savings -- around $58 or 34% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about $49 less with Western National than Allstate, but those whose credit is considered "poor" have it flipped -- saving around $3 per month with Allstate.

Is Allstate or Western National 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. Typically, the more miles you drive, the more you can expect to pay for car insurance.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Western National tends to be the less expensive option. Western National's average rates for drivers with 6,000 annual miles come in just under 25% cheaper than Allstate. Those who drive 12,000 miles yearly can expect to pay more than 20% less with Western National over Allstate.

Allstate vs. Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly insurance payment. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the roads in those areas.

Western National tends to offer the lowest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about 9% with Western National compared to Allstate. Drivers in suburban ZIP codes pay around 36% less with Western National compared to Allstate. In urban areas, Western National Insurance Company's average premiums are about 20% less than Allstate.

Allstate vs. Western National Discounts

Regardless of 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 possible. 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.

In the section below, we've compared all of the different discounts offered by Allstate and Western National so that you can find the one that has the most discounts and, therefore, the biggest savings.

Allstate knocks Western National out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Western National's 12.

There are a couple discounts both carriers offer, but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Western National does not.

On the flip side, Western National has a couple unique discounts of its own -- corporate discounts, employee discounts, and family discounts.

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

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best fit for you?

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

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• Your neighborhood is in a rural area.

Allstate might be best for you if...

• You're planning on moving to another state soon -- Western National Insurance Company only offers policies in four states.
• You care about discounts (Allstate offers the most).

We hope this guide has ben a valuable resource as you compare Allstate and Western National 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 several companies, not just Allstate and Western National. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Allstate vs. Western National FAQs

Is Allstate or Western National cheaper?

Looking just at the national average rates, Western National is the more affordable of the two companies, offering average rates of $154 a month compared to $199 for Allstate. That being said, Western National won't necessarily be the cheapest carrier for everyone, since there are lots of different variables that come into play when it comes to your insurance cost.

Who is better, Allstate or Western National?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, Western National offers cheaper prices for drivers with an at-fault accident on their record, while Allstate is less expensive for drivers who have less-than-stellar credit scores.

Why do Allstate and Western National offer me different rates?

Car insurance carriers take a look at lots of different factors when calculating the premiums they charge policyholders. Things like your driving record, where you live, age, gender, and sometimes even things like your credit score can all be used. Both Allstate and Western National calculate rates using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Allstate or Western National 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.