American Select vs. Hastings Mutual: Which Company is the Best Fit for You?

Quick Facts

• In general, American Select offers cheaper rates than Hastings Mutual
• American Select offers more discounts than Hastings Mutual Insurance Company
• Hastings Mutual has less expensive premiums for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record

American Select vs. Hastings Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. 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 might have narrowed your search down to American Select or Hastings Mutual as your top options, but between the two, which company will save you the most?

Looking at the national average rates for both companies, American Select has average rates that are about 19% per month more affordable than those from Hastings Mutual.

That being said, that doesn't mean American Select will necessarily be cheaper than Hastings Mutual for every single driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so rates will differ quite a bit from person to person.

So, if you want to find out which of American Select or Hastings Mutual is really the best for you, keep reading to see average prices for each company broken down by multiple different rate factors.

American Select or Hastings Mutual: Average Car Insurance Rates by State

American Select and Hastings Mutual only compete against each other in three states, with American Select offering less expensive premiums to the average driver in all of them. Michigan has the most noticable difference, where American Select rates are over 70% more affordable than insurance prices at Hastings Mutual.

That being said, there's a lot more that goes into your car insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use American Select save nearly $65 a month compared to those who use Hastings Mutual.

However, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for American Select policyholders drop almost $150 and Hastings Mutual's premiums lower more than $150 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between American Select and Hastings Mutual? American Select gets the edge, with prices for drivers 65 and older nearly 20% less expensive than the national average for Hastings Mutual.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable insurance premiums than single drivers. This usually boils down to married drivers having more than one car on their policy -- something many car insurance carriers will reward with discounts.

When it comes to relationship status, American Select is the clear winner for single policyholders, with rates around $40 per month cheaper than Hastings Mutual, on average. For married couples, the advantage is clear again - American Select has the edge when it comes to average prices.

American Select vs. Hastings Mutual: Average Rates by Gender

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

Women typically pay about $1 a month less than men with American Select, and around $5 less with Hastings Mutual.

Looking at overall affordability, American Select comes out as the lowest option for both genders, with average premiums $42 less for men and $38 cheaper for women.

American Select or Hastings 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, insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, American Select generally offers significantly less expensive rates of $90 compared to Hastings Mutual's $142. When it comes to full coverage policies with similar limits, American Select again has the edge, with policies about $30 per month more affordable than Hastings Mutual, on average.

Is American Select or Hastings Mutual Better for Drivers with Spotty Records?

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

Tickets and accidents will most likely raise your prices, but is American Select or Hastings Mutual cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American Select policyholders can expect their rates to go up an average of $32 a month if they get a ticket, while Hastings Mutual normally raises premiums around $20 per month, on average.

But Hastings Mutual has less expensive rates for drivers in both categories, offering prices that are 7% and 13% more affordable, respectively, compared to American Select Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with American Select increasing by over $40. Hastings Mutual has a less extreme increase, but you can still expect to pay more than $15 more than you were prior to your first collision.

Overall, the cheaper prices come from Hastings Mutual, with monthly rates averaging $126 compared to American Select Insurance Company's $158.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. On average, Hastings Mutual will climb your premiums about 77% after a DUI, while American Select's average prices climb by just under 55%.

If you have a DUI on your record and are looking for more affordable rates, American Select tends to be the much less expensive option with average premiums of $258 per month compared to $478 from Hastings Mutual.

How does Credit Score Impact American Select and Hastings Mutual Rates?

Did you know that many car insurance carriers take into account your credit score when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for quite a few drivers.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at American Select and Hastings Mutual specifically, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Select or Hastings 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 premiums? That's because the more miles you put on your vehicle, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither American Select or Hastings Mutual report increasing rates for drivers with higher annual mileage figures. Even so, American Select comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $170 a month for both.

American Select vs. Hastings Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

American Select tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, American Select's average rates are around $205 per month compared to Hastings Mutual's $291. Drivers in suburban ZIP codes pay a monthly price of about $150 with American Select compared to $177 with Hastings Mutual. If you live in a rural area, you can expect to pay around $156 monthly with American Select compared to Hastings Mutual's $164.

American Select vs. Hastings Mutual Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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're eligible for.

Below, we've compared all of the different discounts offered by American Select and Hastings Mutual so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

American Select knocks Hastings Mutual out of the park when it comes to the sheer number of discounts available, offering 20 different discounts to Hastings Mutual's 10.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. American Select also offers account relationship discounts, advance quote discounts, agency transfer discounts, and more that Hastings Mutual does not.

On the flip side, Hastings Mutual has a couple unique discounts of its own -- discounts for being a good driver, discounts for insuring multiple cars with the same company, and workloss exclusion discounts.

Final Thoughts: Is American Select or Hastings Mutual Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. But, when it comes down to it, which insurance company is the right company for you and your specific driver profile?

American Select might be best for you if....

• You have less-than-stellar credit.
• You live in an suburban area.
• You've started working from home and don't have much of a commute.

Hastings Mutual might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You've been pulled over for speeding recently.
• You have an at-fault accident on your record.

We hope this guide has ben a valuable resource as you compare American Select and Hastings Mutual and that it aids in making a more informed decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just American Select and Hastings 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 insurance companies in your area, all in just a few minutes.

American Select vs. Hastings Mutual FAQs

Is American Select or Hastings Mutual cheaper?

Looking just at the national average prices, American Select is the cheaper of the two carriers, offering average rates of $170 a month compared to $211 for Hastings Mutual. Even so, American Select won't necessarily be the lowest carrier for everyone, since there are several different variables that come into play when it comes to your auto insurance cost.

Who is better, American Select or Hastings Mutual?

Sadly, the answer truly is "it depends.". No one company is "better" for every driver -- it all boils down to your unique car insurance profile. For example, Hastings Mutual offers more affordable premiums for policyholders with an at-fault collision on their record, while American Select is cheaper for drivers who have less-than-stellar credit scores.

Why do American Select and Hastings Mutual offer me different rates?

Insurance companies take a look at a lot of different factors when determining the prices they charge drivers. Things such as your driving record, age, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both American Select and Hastings Mutual use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if American Select or Hastings Mutual is right for me?

The only way to find the auto insurance company 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 information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be American Select or Hastings 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.