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

Looking for car insurance and wondering if Cameron Mutual or Partners Mutual is the right carrier for you? If so, you're probably wondering which company has the most affordable rates or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next insurance policy.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • In general, Partners Mutual offers slightly cheaper premiums than Cameron Mutual
  • Cameron Mutual tends to be a much more affordable option for policyholders who live in rural neighborhoods
  • Partners Mutual may help you save more money -- they offer more discounts than Cameron Mutual Insurance Company

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

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might have narrowed it down to Cameron Mutual or Partners Mutual as your top options, but between the two, which company will offer you less expensive prices?

Cameron Mutual Partners Mutual

Looking at the national average rates for both carriers, Cameron Mutual is around $1 more a month than Partners Mutual.

That being said, Partners Mutual may not be the cheapest or best option for each driver out there. Auto insurance companies vary their premiums depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and all sorts of other factors, so rates will change quite a bit from person to person.

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

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

State Cameron Mutual Partners Mutual

Cameron Mutual and Partners Mutual only compete against each other in Iowa, where Cameron Mutual offers the cheaper average rates. Cameron Mutual drivers tend to pay about $11 per month less on average compared to drivers who use Partners Mutual for their car insurance.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your premiums. Keep reading to learn more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Cameron Mutual Partners Mutual
18-year-old drivers$280$243
25-year-old drivers$123$106

You might already know that teen drivers typically pay a lot more for car insurance than any group out there on the road. Normally, that's 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 prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Partners Mutual for their auto insurance pay over 15% less than those who use Cameron Mutual.

Even so, both companies will lower premiums once you turn 25. For example, average rates for Cameron Mutual policyholders decrease about $150 and Partners Mutual's prices drop around $150 over that time.

Which is the Best Company for Retired Drivers?

Cameron Mutual Partners Mutual
65+-year-old drivers$79$99

Drivers around retirement age usually enjoy some of the lowest insurance rates out there. 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.

But who has the best premiums for retired drivers between Cameron Mutual and Partners Mutual? Cameron Mutual gets the edge, with prices for drivers 65 and older more than 20% more affordable than the national average for Partners Mutual.

Which is the Best Company for Married Drivers?

Cameron Mutual Partners Mutual

Single drivers tend to get offered slightly more expensive auto insurance rates than married drivers. That's usually because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

When it comes to relationship status, Partners Mutual is the winner for those who are single, with premiums about 6% a month cheaper than Cameron Mutual, on average.

Cameron Mutual or Partners Mutual: Average Rates by Gender

Cameron Mutual Partners Mutual

Women normally to pay less for car insurance than men. That's because women are less likely to get into collisions and get tickets, which lowers the chances of filing a claim with insurance.

Typically, men see prices almost $15 per month higher with Cameron Mutual, but with Partners Mutual, the difference is closer to $8 a month.

When it comes to the most affordable rates for each gender, Cameron Mutual is the cheapest company for women. Rates with Cameron Mutual are $1 cheaper for women, while with Partners Mutual, men can save around $1.

Find your best rate in just a few minutes

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

Cameron Mutual Partners Mutual
State Minimum*$53$52
Full Coverage**$195$194

*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.

Insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

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

Looking specifically at state minimum liability limits, Partners Mutual has the slight edge, with average monthly premiums coming in at $52. If you want a full coverage policy with the same state minimum limits, Partners Mutual again has the edge, with policies averaging about $194 per month to Cameron Mutual's $195.

Is Cameron Mutual or Partners Mutual 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.

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cameron Mutual Partners Mutual
Clean Record$110$79
1 Speeding Ticket$110$95

Policyholders with Cameron Mutual auto insurance policies don't report seeing their premiums increase after getting a ticket, but Partners Mutual policyholders can expect to see their monthly bill increase by around $15.

But Partners Mutual is generally the less expensive option for drivers both with a speeding ticket and with a clean record, offering prices that are $31 and $15 cheaper, respectively, compared to Cameron Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Cameron Mutual Partners Mutual
Clean Record$110$79
1 At-Fault Accident$124$115

Cameron Mutual drivers who get in an accident can expect to see their premiums rise by over 10%, while those who have insurance through Partners Mutual will see about a 30% increase.

At the end of the day, the more affordable rates come from Partners Mutual, with average prices coming in at $115 compared to Cameron Mutual Insurance Company's $124.

Which Company is Best for Drivers with a DUI?

Cameron Mutual Partners Mutual
Clean Record$110$79
1 DUI$152$203

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, Partners Mutual increases average rates by more than $100 a month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Cameron Mutual tends to be less expensive for the average driver, with monthly premiums coming in at around $152 to Partners Mutual's $203.

Find your best rate in just a few minutes

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

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for several policyholders.

Auto insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

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

Which Company is Best for Drivers with Good Credit?

Cameron Mutual Partners Mutual
Excellent Credit Score$84$92
Good Credit Score$107$108

If you have great credit, Cameron Mutual will typically reward you the most. For policyholders with "excellent" credit scores, Cameron Mutual comes in nearly NaN more affordable. Drivers with "good" credit scores usually save about 1% with Cameron Mutual compared to average rates from Partners Mutual.

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual Partners Mutual
Fair Credit Score$126$126
Poor Credit Score$179$166

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay around 0% less with Cameron Mutual than Partners Mutual, but those whose credit is considered "poor" have it flipped -- saving about 7% per month with Partners Mutual.

Find your best rate in just a few minutes

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

Cameron Mutual Partners Mutual
6,000 Annual Miles$124$123
12,000 Annual Miles$124$123

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

In this case, neither Cameron Mutual or Partners Mutual report increasing premiums for drivers with higher annual mileage figures. Partners Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average rates of $123 a month for both.

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

Where you call home can have a large impact on your monthly insurance bill. 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.

Cameron Mutual Partners Mutual
Urban Areas$134$143
Suburban Areas$122$108
Rural Areas$116$118

Looking at these companies side-by-side, Cameron Mutual generally comes out as the cheaper option for drivers in rural and urban areas, while Partners Mutual wins in suburban areas.

For drivers in urban ZIP codes, Cameron Mutual Insurance Company's average prices are around 6% less than Partners Mutual Insurance. People who live in suburban areas pay about 11% less with Partners Mutual compared to Cameron Mutual. Those in rural areas can expect to save around 2% with Cameron Mutual compared to Partners Mutual.

Cameron Mutual vs. Partners Mutual Discounts

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

The hard part is finding all of the discounts you can take advantage of, 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 Partners Mutual so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Cameron Mutual Partners Mutual
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Education Discount 
ESC Discount 
Good Student Discount 
Group Discount 
Multi-Policy Discount 
Paid In Full Discount 
Passive Restraint Discount
Renewal Discount 
Umbrella Policy Discount 

Overall, Partners Mutual comes out ahead with eight discounts to Cameron Mutual's six.

There are a couple discounts both carriers offer, but Partners Mutual 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, good student discounts, and more.

Find your best rate in just a few minutes

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

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. But, when it comes down to it, which insurance carrier is the right carrier for you and your specific profile and needs?

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

  • You have a clean record.
  • You want the most robust protection via a "full coverage" policy.
  • You want to save money while purchasing insurance for a teenager.

Cameron Mutual might be best for you if...

  • Your credit score is high.
  • Your neighborhood is in a rural area.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Cameron Mutual and Partners Mutual. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Find your best rate in just a few minutes

Cameron Mutual vs. Partners Mutual FAQs

Is Cameron Mutual or Partners Mutual cheaper?

Partners Mutual is the less expensive of the two companies when looking at national average rates, with policies averaging $123 per month with Partners Mutual and $124 for Cameron Mutual. However, that doesn't mean Partners Mutual will be the most affordable company for everyone, since there are many different factors that are considered when it comes to your auto insurance cost.

Who is better, Cameron Mutual or Partners Mutual?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for each policyholder -- it all boils down to your unique car insurance profile. For example, Cameron Mutual is cheaper for drivers who have already retired, while Partners Mutual offers less expensive prices for single policyholders.

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

Auto insurance carriers use quite a few different variables when determining the rates they charge. Factors such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all come into play. Both Cameron Mutual and Partners Mutual calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the 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, makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Cameron Mutual or Partners Mutual 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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes