Cameron Mutual vs. Imt: Which Company is the Best Fit for You?

If you're in the market for a new auto insurance policy, you might be wondering how Imt and Cameron Mutual compare when it comes to the lowest premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
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Quick Facts

  • In general, Imt offers less expensive prices than Cameron Mutual
  • Cameron Mutual has more affordable rates for policyholders who live in urban areas
  • Imt tends to be a much cheaper option for policyholders who drive fewer than 6,000 miles every year

Cameron Mutual or Imt: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might be considering Cameron Mutual or Imt as your top options, but between the two, which one will offer you more affordable premiums?

Cameron Mutual Imt

Looking at nationwide averages, Cameron Mutual has average rates that are around 12% a month more expensive than those from Imt.

That being said, Imt may not be the most affordable or best option for each driver out there. Car insurance carriers vary their rates depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a ton of other factors, so prices will change quite a bit from person to person.

Wanting to know if Cameron Mutual or Imt 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.

Cameron Mutual vs. Imt: Average Car Insurance Rates by State

State Cameron Mutual Imt

Cameron Mutual and Imt only compete against each other in one states, with Imt offering less expensive prices to the average driver in all of them. Iowa has the most noticable difference, where Imt premiums are $35 more affordable than insurance rates at Cameron Mutual.

But there's more to calculating car insurance premiums than just where you call home. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Cameron Mutual Imt
18-year-old drivers$280$201
25-year-old drivers$123$108

Teen drivers will almost always have the most expensive insurance prices of any group out there on the road. It's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Imt for their auto insurance pay almost 30% less than those who use Cameron Mutual.

Even so, with both companies, you'll see your prices drop significantly by the time drivers turn 25. For example, average rates for Cameron Mutual policyholders decrease about $150 and Imt's prices lower around $95 over that time.

Which is the Best Company for Retired Drivers?

Cameron Mutual Imt
65+-year-old drivers$79$82

Drivers around retirement age normally enjoy some of the cheapest car insurance premiums out there. After all, they've likely been driving for quite some time, which usually lowers their chances of collisions and other infractions that can raise rates.

So, which company offers the best premiums to retired drivers? In this case, Cameron Mutual has the slight edge, with rates about $3 per month less than Imt. But that difference is less than 5%, which means it ultimately will come down to other factors, like your credit score or your driving record.

Which is the Best Company for Married Drivers?

Cameron Mutual Imt

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

For single policyholders, the difference in average rates between these two carriers is significant, with Imt prices coming in at around 15% less than Cameron Mutual's. But for married drivers, that advantage is much less clear - Imt offers the lowest average premiums , but the difference is only $5.

Cameron Mutual or Imt: Average Rates by Gender

Cameron Mutual Imt

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

With Cameron Mutual, women typically pay nearly $15 a month less than men, and about $12 less with Imt.

When it comes to the most affordable rates for each gender, Imt offers the cheapest average premiums for both men and women, with average prices 12% less for men and 13% cheaper for women.

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Cameron Mutual vs. Imt: Compare State Minimum vs. Full Coverage Rates

Cameron Mutual Imt
State Minimum*$53$58
Full Coverage**$195$160

*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 isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

When it comes to state minimum liability limits, Cameron Mutual has the edge, while Imt offers the most affordable average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $5 with Cameron Mutual Insurance Company, while full coverage comes out to be around $35 less expensive with IMT Insurance.

Is Cameron Mutual or Imt Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car 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 speeding tickets and at-fault accidents lead to higher prices, but which carrier -- Cameron Mutual or Imt -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cameron Mutual Imt
Clean Record$110$76
1 Speeding Ticket$110$89

Drivers with Cameron Mutual insurance policies don't report seeing their premiums increase after getting a ticket, but Imt policyholders can expect to see their monthly bill increase by about 15%.

However, Imt is generally the cheaper option for both drivers who have a recent speeding ticket and those with clean records, offering prices that are $34 and $21 more affordable, respectively, compared to Cameron Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Cameron Mutual Imt
Clean Record$110$76
1 At-Fault Accident$124$134

After an accident, drivers who have their auto insurance through Cameron Mutual can expect to see around an $14 -- or about 11% -- rise in their car insurance rates. Drivers who use Imt for their auto insurance will see a monthly bill around $58 (or 43%) more expensive after reporting an accident to their car insurance company.

At the end of the day, the less expensive prices come from Cameron Mutual, with average premiums coming in at $124 compared to IMT Insurance's $134.

Which Company is Best for Drivers with a DUI?

Cameron Mutual Imt
Clean Record$110$76
1 DUI$152$135

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. For example, Imt increases average rates by nearly $60 per month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Imt tends to be cheaper for the average driver, with monthly premiums coming in at about $135 to Cameron Mutual's $152.

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How does Credit Score Impact Cameron Mutual and Imt Rates?

Often times, your credit score can be used as one of the variables to determine your monthly car insurance prices. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it might come into play for several policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Cameron Mutual Imt
Excellent Credit Score$84$86
Good Credit Score$107$102

If you have solid credit, Cameron Mutual will normally reward you the most for an "excellent" credit score. For policyholders with "excellent" credit scores, Cameron Mutual comes in 2% less expensive. Drivers with "good" credit scores generally save around 5% with Imt compared to average premiums from Cameron Mutual.

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual Imt
Fair Credit Score$126$108
Poor Credit Score$179$140

Imt typically offers lower rates than Cameron Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay about 14% a month less with Imt compared to Cameron Mutual, and those with "poor" scores typically save an average of around 22% per month.

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Is Cameron Mutual or Imt Better for Drivers who Work from Home or Have Short Commutes?

Cameron Mutual Imt
6,000 Annual Miles$124$109
12,000 Annual Miles$124$109

How much you drive can have a big impact on how much auto insurance carriers will charge for coverage. Usually, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Cameron Mutual or Imt report increasing rates for drivers with higher annual mileage figures. Imt comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average prices of $109 per month for both.

Cameron Mutual or Imt: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for car insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Cameron Mutual Imt
Urban Areas$134$136
Suburban Areas$122$100
Rural Areas$116$90

Imt typically comes out as the cheaper option for drivers in rural and suburban areas, while Cameron Mutual wins in urban areas.

For drivers in urban ZIP codes, Cameron Mutual Insurance Company's average rates are about $2 less than IMT Insurance. People who live in suburban areas pay around $22 less with Imt compared to Cameron Mutual. Those in rural areas can expect to save about $26 with Imt compared to Cameron Mutual.

Cameron Mutual vs. Imt Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

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 looked at all of the different discounts Cameron Mutual and Imt offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Cameron Mutual Imt
Commercial Product Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Education Discount 
Good Student Discount
Group Discount 
Minor Child Discount 
Multi-Policy Discount 
Paid In Full Discount 
Passive Restraint Discount 
Renewal Discount 
Umbrella Policy Discount 

Looking at the total number of discounts, Imt has advantage when it comes to total number of discounts. Cameron Mutual offers a grand total of six discounts, while Imt has nine.

Both companies offer several of the same discounts -- like discounts for being a defensive driver and discounts for being a good student -- but Imt also offers discounts for commercial product, distant student, driver training, and more.

On the other hand, Cameron Mutual has a few proprietary discounts of their own for things like education discounts, passive restraint discounts, renewal discounts, and more.

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Final Thoughts: Is Cameron Mutual or Imt Best for You?

So, you've seen how different factors can affect your insurance premiums. We've broken down the different discounts each company offers, too. But, at the end of the day, is Cameron Mutual or Imt the right carrier for you and your specific profile and needs?

Imt might be best for you if....

  • You've received a ticket for speeding recently and don't want to see your prices climb.
  • Your neighborhood is in the suburbs.
  • You want to save money while purchasing car insurance for a teenager.

Cameron Mutual might be best for you if...

  • You're looking for the best premiums on liability only coverage.
  • You live in an urban area.
  • You're of retirement age and want to take advantage of lower prices.

Hopefully, this guide has ben a valuable resource as you compare Cameron Mutual and Imt and that it aids in making a more informed decision about your auto 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 insurance -- comparing quotes from multiple carriers, not just Cameron Mutual and Imt. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

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Cameron Mutual vs. Imt FAQs

Is Cameron Mutual or Imt cheaper?

Imt is the more affordable of the two carriers when looking at national average rates, with policies averaging $109 a month with Imt and $124 for Cameron Mutual. Even so, that doesn't mean Imt will be the most affordable carrier for everyone, since there are lots of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cameron Mutual or Imt?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, Imt is less expensive for drivers who have less-than-stellar credit scores, while Cameron Mutual offers cheaper prices for policyholders with an at-fault accident on their record.

Why do Cameron Mutual and Imt offer me different rates?

Auto insurance companies use lots of different factors when determining the premiums they charge. Variables such as age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Cameron Mutual and Imt calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Cameron Mutual or Imt is right for me?

The only way to find the car 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, sites like do all the hard work for you. 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 carrier for you isn't Cameron Mutual or Imt at all, but another you hadn't even thought of!


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.

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