Buckeye vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Buckeye offers slightly cheaper premiums than Western Reserve Group
• Buckeye has less expensive rates for policyholders who drive fewer than 6,000 miles every year
• Western Reserve Group may help you save more money -- they offer more discounts than Buckeye Insurance Group

Buckeye or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Buckeye or Western Reserve Group, but between the two, which company will save you the most?

Looking at the national average rates for both carriers, Western Reserve Group is around $5 more a month than Buckeye.

Even so, that doesn't mean Buckeye will necessarily be more affordable than Western Reserve Group for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

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

Buckeye vs. Western Reserve Group: Average Car Insurance Rates by State

Buckeye and Western Reserve Group only compete against each other in two states, with Buckeye offering less expensive rates to the average driver in all of them. If you live in Indiana, Buckeye is the cheaper of the two carriers when looking at the overall average prices. Western Reserve Group is the more affordable option in Ohio.

There are plenty of other factors that go into your car 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 -- typically pay a lot for auto insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Western Reserve Group save 2% per month compared to those who use Buckeye.

But both companies will decrease premiums once you turn 25. For example, average prices for Buckeye policyholders lower about $150 and Western Reserve Group's premiums drop around $150 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

When looking at Buckeye and Western Reserve Group specifically, which company is best for retired drivers? In this case, Buckeye has the slight edge, with prices about $2 a month less than Western Reserve Group. However, the difference is only around 5%, so other variables (like where you live or your credit score) will likely come into play when determining which carrier has the lowest premiums for you.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper insurance rates than single policyholders. This usually boils down to married policyholders having more than one vehicle on their policy -- something quite a few auto insurance carriers will reward with discounts.

If you're in the market for insurance, Buckeye tends to have the cheapest average prices regardless of if you're married or single, with prices about $1 more affordable for married couples and around $7 less expensive for those who are single.

Buckeye or Western Reserve Group: Average Rates by Gender

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

Women normally pay about $15 per month less than men with Buckeye, but surprisingly, with Western Reserve Group, women usually pay around $2 a month more than men.

Looking at the data for each company specifically, Buckeye is the most affordable carrier for women. Rates with Buckeye are $13 cheaper for women, while with Western Reserve Group, men can save about $13.

Buckeye vs. Western Reserve Group: 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, car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

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

When it comes to state minimum liability limits, Buckeye has the edge, while Western Reserve Group offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Buckeye Insurance Group, while full coverage comes out to be around $10 cheaper with Western Reserve Group.

Is Buckeye or Western Reserve Group 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.

It's no secret secret that collisions and speeding tickets lead to higher rates, but which company -- Buckeye or Western Reserve Group -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Buckeye for their auto insurance can typically expect their monthly bill to go up about 7% after getting a speeding ticket. Western Reserve Group policyholders can expect a bit more drastic of an increase of around 28%.

That being said, Buckeye is usually the less expensive option for both drivers who have clean records and those with a recent ticket, offering prices that are 8% and 29% more affordable, respectively, compared to Western Reserve Group.

Which Company is Best for Drivers After an Accident?

Buckeye policyholders who get in an accident can expect to see their rates climb by over 15%, while those who have insurance through Western Reserve Group will see about a 25% increase.

At the end of the day, the less expensive premiums come from Buckeye, with average rates coming in at $98 compared to Western Reserve Group's $120.

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. On average, Buckeye will climb your prices around 69% after a DUI, while Western Reserve Group's average premiums rise by nearly 60%.

But if you end up with a DUI charge and are looking for more affordable rates, Western Reserve Group tends to be more affordable for the average driver, with monthly premiums coming in at about $218 to Buckeye's $263.

How does Credit Score Impact Buckeye and Western Reserve Group Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly car insurance prices. This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it might come into play for a lot of drivers.

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

Looking at Buckeye and Western Reserve Group specifically, which one has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Buckeye will normally reward you the most. For policyholders with "excellent" credit scores, Buckeye comes in more than 16.5 less expensive. Drivers with "good" credit scores typically save around 20% with Buckeye compared to average premiums from Western Reserve Group.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay about 12% less with Buckeye than Western Reserve Group, but those whose credit is considered "poor" have it flipped -- saving around 17% per month with Western Reserve Group.

Is Buckeye or Western Reserve Group 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. Generally, the more milage you put on your car, the more you can expect to pay for coverage.

In this case, neither Buckeye or Western Reserve Group report increasing prices for drivers with higher annual mileage figures. Still, Buckeye comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $132 a month for both.

Buckeye or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a considerable role in how much you pay for car insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Buckeye normally comes out as the more affordable option for drivers in rural and urban areas, while Western Reserve Group wins in suburban areas.

In urban areas, Buckeye's average rates are about $131 while Western Reserve Group offers premiums around $147. Drivers in suburban ZIP codes pay a monthly premium of about $139 with Western Reserve Group compared to $159 with Buckeye. Those in rural areas can expect to pay around $107 a month with Buckeye and $125 with Western Reserve Group.

Buckeye vs. Western Reserve Group Discounts

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

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Buckeye and Western Reserve Group so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Western Reserve Group comes out ahead with 11 discounts to Buckeye's seven.

Both companies offer several of the same discounts -- like anti-theft discounts, distant student discounts, and renewal discounts -- but Western Reserve Group also offers discounts for advance quote, agency transfer, company car, and more.

On the other hand, Buckeye has a few proprietary discounts of their own like good driving discounts and paid in full discounts.

Final Thoughts: Is Buckeye or Western Reserve Group Best for You?

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

Buckeye might be best for you if....

• You will be the only person on the auto insurance policy.
• You're looking for the best premiums on liability only coverage.
• You're of retirement age and want to take advantage of lower prices.

Western Reserve Group might be best for you if...

• You're looking for discounts -- Western Reserve Group has the most.
• You live in an suburban area.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare Buckeye and Western Reserve Group and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Buckeye and Western Reserve Group. 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 car insurance carriers in your area, all in just a few minutes.

Buckeye vs. Western Reserve Group FAQs

Is Buckeye or Western Reserve Group cheaper?

Buckeye is the cheaper of the two companies when looking at national average rates, with policies averaging $132 per month with Buckeye and $137 for Western Reserve Group. However, that doesn't mean Buckeye will be the lowest company for everyone, since there are many different factors that come into play when it comes to your insurance payment.

Who is better, Buckeye or Western Reserve Group?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all boils down to your unique car insurance profile. For example, Western Reserve Group is less expensive for drivers who have less-than-stellar credit scores, while Buckeye offers more affordable prices for drivers with an at-fault collision on their record.

Why do Buckeye and Western Reserve Group offer me different rates?

Insurance carriers use many different variables when determining the premiums they charge. Things like gender, your driving record, where you live, age, and sometimes even things like your credit score can all be used. Both Buckeye and Western Reserve Group use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

How do I know if Buckeye or Western Reserve Group 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies 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 Buckeye or Western Reserve Group 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.