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

Quick Facts

• Looking at the national averages for car insurance, Cameron Mutual offers significantly cheaper prices than National Mutual
• Cameron Mutual tends to be a much less expensive option for drivers who have received a ticket within the last few years
• National Mutual offers more discounts than Cameron Mutual Insurance Company

Cameron Mutual vs. National Mutual: 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 your search down to Cameron Mutual or National Mutual as potential options, but between the two, which one will save you the most?

Looking at nationwide averages, Cameron Mutual has average rates that are about 40% per month more affordable than those from National Mutual.

However, Cameron Mutual may not be the lowest or best option for every driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Wanting to know if Cameron Mutual or National Mutual is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Cameron Mutual or National Mutual: Average Car Insurance Rates by State

Cameron Mutual and National Mutual only compete against each other in one states, with Cameron Mutual offering less expensive rates to the average driver in all of them. Iowa has the most noticable difference, where Cameron Mutual prices are over 70% cheaper than car insurance rates at National Mutual.

That being said, there's a lot more that goes into your insurance cost than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers. That's generally 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 insurance. Just look at the table above -- where 18-year-old drivers who have Cameron Mutual for their car insurance pay nearly $200 less than those who use National Mutual.

Even so, both carriers will drop premiums by the time you turn 25. For example, average prices for Cameron Mutual policyholders lower more than 55% and National Mutual's premiums reduce over 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance rates 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 car insurance.

When looking at Cameron Mutual and National Mutual specifically, which carrier is best for retired drivers? Cameron Mutual gets the edge, with rates for drivers 65 and older $55 more affordable than the national average for National Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single drivers than they are for married drivers. That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cameron Mutual is the clear winner for those who are single, with rates around $93 a month cheaper than National Mutual, on average. The advantage for married policyholders with Cameron Mutual is also obvious, where drivers save more than $55 per month.

Cameron Mutual vs. National Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll generally end up paying more for auto insurance than women.

Usually, men see prices almost 10% a month higher with Cameron Mutual, while with National Mutual, the difference is closer to 10% per month.

Looking at overall affordability, Cameron Mutual comes out on top for both men and women. On average, male drivers save about $81 a month and women save about $73 with Cameron Mutual compared to the average National Mutual policyholder.

Cameron Mutual or National 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.

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

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Cameron Mutual usually offers significantly less expensive premiums of $53 compared to National Mutual's $94. When it comes to full coverage policies with similar limits, Cameron Mutual again has the edge, with policies around $100 per month more affordable than National Mutual, on average.

Is Cameron Mutual or National Mutual 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 rates, but which company -- Cameron Mutual or National Mutual -- has the most affordable premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Cameron Mutual insurance policies don't report seeing their prices increase after getting a ticket, but National Mutual policyholders can expect to see their monthly bill increase by about 10%.

That being said, Cameron Mutual has cheaper rates for drivers in both categories, offering premiums that are 16% and 23% more affordable, respectively, compared to National Mutual Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Cameron Mutual can expect to see around an $14 -- or about 11% -- increase in their insurance prices. Drivers who use National Mutual for their car insurance will see a monthly bill around $76 (or 37%) more expensive after reporting a collision to their insurance carrier.

Overall, the less expensive premiums come from Cameron Mutual, with monthly rates averaging $124 compared to National Mutual Insurance's $207.

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 car insurance bill -- normally a lot more than an accident or ticket. On average, National Mutual will increase your prices about 60% after a DUI, while Cameron Mutual's average rates increase by just under 30%.

If you have a DUI on your record and are looking for more affordable prices, Cameron Mutual tends to be the much more affordable option with average premiums of $152 per month compared to $325 from National Mutual.

How does Credit Score Impact Cameron Mutual and National Mutual Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it might come into play for several policyholders.

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, drivers with bad credit will often be forced to pay more.

So, which company offers the cheapest rates for policyholders with poor, average, or good 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 Cameron Mutual. Drivers with "excellent" credit can save nearly 35% compared to National Mutual, and those with "good" scores can also expect to see savings -- around $54 or 34% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual typically offers lower premiums than National Mutual when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $95 a month less with Cameron Mutual compared to National Mutual, and those with "poor" scores typically save an average of around $118 monthly.

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

How much you drive can have a big impact on your monthly auto insurance bill. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Cameron Mutual or National Mutual report increasing rates for drivers with higher annual mileage figures. Cameron Mutual comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $124 per month for both.

Cameron Mutual vs. National 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 car insurance, but the type of area you live in can have a sizable impact as well. Normally, 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.

When comparing these two companies side-by-side, Cameron Mutual usually comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest premiums from both carriers, but Cameron Mutual comes out on top with average rates about $116 a month. Cameron Mutual also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a $80 and $79 a month respective difference when compared to National Mutual policyholders in similar areas.

Cameron Mutual vs. National Mutual Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

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

Below, we've compared all of the different discounts offered by Cameron Mutual and National Mutual so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

National Mutual knocks Cameron Mutual out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Cameron Mutual.

Both companies offer several of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and renewal discounts -- but National Mutual also offers advance quote discounts, anti-theft discounts, claim free discounts, and more that Cameron Mutual does not.

On the flip side, Cameron Mutual has a unique discount of its own -- a umbrella policy discounts.

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

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right company for you and your specific driver profile?

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

• You have a DUI charge on your record.
• Your home is located in the suburbs.
• You've started working from home and don't have much of a commute.

National Mutual might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Cameron Mutual and National Mutual. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Cameron Mutual and National Mutual. 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 car insurance carriers in your area, all in just a few minutes.

Cameron Mutual vs. National Mutual FAQs

Is Cameron Mutual or National Mutual cheaper?

Looking just at the national average prices, Cameron Mutual is the less expensive of the two companies, offering average rates of $124 per month compared to $201 for National Mutual. However, Cameron Mutual won't necessarily be the lowest carrier for everyone, since there are a bunch of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cameron Mutual or National Mutual?

Sadly, the real answer is "it depends.". No single company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Cameron Mutual and National Mutual offer me different rates?

Insurance carriers take a look at quite a few different variables when determining the premiums they charge drivers. Factors such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Cameron Mutual and National Mutual calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance company 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 do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Cameron Mutual or National 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.