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

Quick Facts

• Looking at the national averages for insurance, Cameron Mutual offers significantly more affordable rates than Le Mars
• Cameron Mutual offers less expensive average prices for policyholders who live in urban areas
• Le Mars may help you save more money -- they offer more discounts than Cameron Mutual Insurance Company

Cameron Mutual or Le Mars: 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 big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Cameron Mutual or Le Mars, but between the two, which company will offer you more affordable rates?

Looking at nationwide averages, Cameron Mutual is quite a bit cheaper than Le Mars, with premiums averaging $124 a month compared to $234 with Le Mars.

But that doesn't mean Cameron Mutual will necessarily be less expensive than Le Mars for each driver. Car insurance carriers use a variety of complex algorithms to determine prices, so depending on where you live or how good your credit score is (among a lot of other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Cameron Mutual or Le Mars is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Cameron Mutual vs. Le Mars: Average Car Insurance Rates by State

Cameron Mutual and Le Mars only compete against each other in Iowa, where Cameron Mutual offers the cheaper average prices. Cameron Mutual drivers tend to pay about $122 per month less on average compared to drivers who use Le Mars for their auto insurance.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any group out there on the road. That's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of almost 35% less a month by choosing Cameron Mutual over Le Mars.

However, both carriers will reduce rates once you turn 25. For example, average prices for Cameron Mutual policyholders lower over 55% and Le Mars's rates decrease nearly 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which generally lowers their chances of collisions and other infractions that can raise prices.

When looking at Cameron Mutual and Le Mars specifically, which company is best for retired drivers? Cameron Mutual gets the edge, with rates for drivers 65 and older $117 cheaper than the national average for Le Mars.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically more expensive for those who are single than they are for married drivers? This usually boils down to married couples having multiple vehicles on their policy -- something quite a few auto insurance companies will reward with discounts.

For single policyholders, the difference in average rates between these two carriers is significant, with Cameron Mutual premiums coming in at around half of Le Mars's. The advantage is also clear for married policyholders - Cameron Mutual offers the most affordable average prices.

Cameron Mutual or Le Mars: Average Rates by Gender

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

On average, women see premiums almost 10% per month less with Cameron Mutual, and about 12% less with Le Mars.

Looking at the data for each carrier specifically, Cameron Mutual offers the lowest average rates for both men and women. On average, women save about $102 a month and men save around $118 with Cameron Mutual compared to the average Le Mars policyholder.

Cameron Mutual vs. Le Mars: 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, auto insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Cameron Mutual has the significant edge, with average monthly prices coming in at $53. If you want a full coverage policy with the same state minimum limits, Cameron Mutual again has the edge, with policies averaging about $195 per month to Le Mars's $391.

Is Cameron Mutual or Le Mars Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault accidents and speeding tickets lead to higher rates, but which company -- Cameron Mutual or Le Mars -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Cameron Mutual car insurance policies don't report seeing their premiums increase after getting a ticket, but Le Mars policyholders can expect to see their monthly bill increase by around $40.

That being said, Cameron Mutual is usually the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering prices that are $28 and $70 cheaper, respectively, compared to Le Mars Insurance Company.

Which Company is Best for Drivers After an Accident?

Cameron Mutual drivers who get in an accident can expect to see their rates rise by just under $15, while those who have insurance through Le Mars will see about a $50 increase.

At the end of the day, drivers who use Cameron Mutual end up with the cheaper prices after an accident, with average premiums coming in at $124 compared to Le Mars Insurance Company's $186.

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 ticket or even a collision. Le Mars drivers usually see a 68% climb in their insurance prices after a DUI charge, while Cameron Mutual will typically increase rates by around 28%.

But if you end up with a DUI charge and are looking for more affordable premiums, Cameron Mutual tends to be more affordable for the average driver, with monthly premiums coming in at about $152 to Le Mars's $434.

How does Credit Score Impact Cameron Mutual and Le Mars Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect a lot of policyholders out there.

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

Looking specifically at Cameron Mutual and Le Mars, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Cameron Mutual will generally reward you the most. For drivers with "excellent" credit scores, Cameron Mutual comes in nearly 37.78 less expensive. Drivers with "good" credit scores usually save around 41% with Cameron Mutual compared to average rates from Le Mars.

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual typically offers lower premiums than Le Mars when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 43% a month less with Cameron Mutual compared to Le Mars, and those with "poor" scores normally save an average of around 55% monthly.

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

How much you drive can have a sizable impact on how much insurance carriers will charge for coverage. Usually, the more milage you put on your car each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Cameron Mutual charges. However, there's a pretty significant difference in monthly prices for Le Mars, with policyholders who drive 6,000 miles annually paying about $30 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Cameron Mutual is the cheaper carrier.

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

Where you call home can play a pretty big role in how much you pay for car insurance. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

Cameron Mutual boasts the lowest average premiums 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 pay around $116 per month with Cameron Mutual and $235 with Le Mars. Drivers in suburban ZIP codes pay a monthly rate of about $122 with Cameron Mutual compared to $179 with Le Mars. In urban areas, Cameron Mutual's average prices are around $134 while Le Mars offers premiums about $290.

Cameron Mutual vs. Le Mars Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Cameron Mutual and Le Mars so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Le Mars knocks Cameron Mutual out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Cameron Mutual.

There are a couple discounts both companies offer, but Le Mars also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Cameron Mutual has a few proprietary discounts of their own for things like defensive driver discounts, education discounts, and umbrella policy discounts.

Final Thoughts: Is Cameron Mutual or Le Mars Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Cameron Mutual or Le Mars the right one for you and your specific needs?

Cameron Mutual might be best for you if....

• Your driving record contains an at-fault collision.
• You want the most robust protection via a "full coverage" policy.
• You and your spouse are buying insurance together.

Le Mars might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Cameron Mutual and Le Mars and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Cameron Mutual and Le Mars. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Cameron Mutual vs. Le Mars FAQs

Is Cameron Mutual or Le Mars cheaper?

Cameron Mutual is the more affordable of the two companies when looking at national average prices, with policies averaging $124 per month with Cameron Mutual and $234 for Le Mars. However, that doesn't mean Cameron Mutual will be the most affordable company for every policyholder, since there are multiple different factors that are considered when it comes to your auto insurance bill.

Who is better, Cameron Mutual or Le Mars?

Unfortunately, the answer truly is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Cameron Mutual and Le Mars offer me different rates?

Insurance carriers use many different variables when calculating the rates they charge. Factors such as gender, your driving record, age, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Cameron Mutual and Le Mars calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Cameron Mutual or Le Mars 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Cameron Mutual or Le Mars 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.