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

Quick Facts

• In general, Cameron Mutual offers slightly more affordable prices than West Bend Mutual
• Cameron Mutual tends to be a much cheaper option for drivers who have an at-fault accident on their record
• West Bend Mutual offers more discounts than Cameron Mutual Insurance Company

Cameron Mutual vs. West Bend Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering sizable discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Cameron Mutual or West Bend Mutual, but which carrier will save you the most?

As you can see, Cameron Mutual is about $7 per month less expensive than West Bend Mutual when looking at the national average rates for insurance.

However, that doesn't mean Cameron Mutual will necessarily be more affordable than West Bend Mutual for each driver. Auto insurance companies vary their premiums depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and tons of other factors, so rates will change quite a bit from person to person.

Luckily, we've broken down average prices from both Cameron Mutual and West Bend Mutual by lots of different rate factors, so read on to find out which company is the best for you.

Cameron Mutual or West Bend Mutual: Average Car Insurance Rates by State

Cameron Mutual and West Bend Mutual only compete against each other in one states, with West Bend Mutual offering less expensive premiums to the average driver in all of them. Iowa has the most noticable difference, where West Bend Mutual rates are over 15% cheaper than insurance prices at Cameron Mutual.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your premiums. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Cameron Mutual for their insurance pay nearly $50 less than those who use West Bend Mutual.

Even so, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for Cameron Mutual policyholders reduce more than $150 and West Bend Mutual's rates lower around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance prices out there. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase premiums.

So, which carrier offers the best rates to retired drivers? Cameron Mutual gets the edge here, with average premiums coming in at about $79 a month compared to West Bend Mutual's $92.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance prices than married drivers. That's normally because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Cameron Mutual is the winner for single drivers, with rates around $15 a month more affordable than West Bend Mutual, on average.

Cameron Mutual vs. West Bend Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll typically end up paying more for insurance than women.

On average, men see premiums almost $15 per month higher with Cameron Mutual, while with West Bend Mutual, the difference is closer to $16 a month.

When it comes to the most affordable prices for each gender, Cameron Mutual offers the cheapest average premiums for both men and women. On average, women save about $5 per month and men save about $8 with Cameron Mutual compared to the average West Bend Mutual policyholder.

Cameron Mutual or West Bend 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 multiple 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 an accident.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

In this case, Cameron Mutual offers the most affordable average rates for state minimum liability limits, while West Bend Mutual has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $25 with Cameron Mutual Insurance Company, while full coverage comes out to be around $10 cheaper with West Bend Mutual Insurance.

Is Cameron Mutual or West Bend Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with collisions and tickets on your record, but which of these two carriers offers the lowest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Cameron Mutual auto insurance policies don't report seeing their premiums increase after getting a ticket, but West Bend Mutual policyholders can expect to see their monthly bill increase by about $25.

That being said, West Bend Mutual is generally the less expensive option for both drivers who have a recent ticket and those with clean records -- their rates are around 24% more affordable for drivers with clean records and 1% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Cameron Mutual drivers who get in an accident can expect to see their prices increase by over 10%, while those who have insurance through West Bend Mutual will see around a 50% increase.

Overall, the less expensive rates come from Cameron Mutual, with monthly premiums averaging $124 compared to West Bend Mutual Insurance's $163.

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 a collision or speeding ticket. For example, West Bend Mutual increases average rates by $85 a month -- that's over a 50% increase.

If you have a DUI on your record and are looking for more affordable prices, Cameron Mutual tends to be the much cheaper option with average premiums of $152 monthly compared to $169 from West Bend Mutual.

How does Credit Score Impact Cameron Mutual and West Bend Mutual Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for quite a few 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.

Looking specifically at Cameron Mutual and West Bend Mutual, which company has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Cameron Mutual. Drivers with "excellent" credit can save just under 15% compared to West Bend Mutual, and those with "good" scores can also expect to see savings -- about $8 or 7% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual typically offers lower prices than West Bend Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $7 per month less with Cameron Mutual compared to West Bend Mutual, and those with "poor" scores usually save an average of about $1 per month.

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

How much you drive can have a pretty big impact on how much auto insurance companies will charge for coverage. Typically, the more miles you drive, the more you can expect to pay for coverage.

In this case, neither Cameron Mutual or West Bend Mutual report increasing rates for drivers with higher annual mileage figures. That being said, Cameron Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $124 a month for both.

Cameron Mutual vs. West Bend Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial 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 insurance, while the opposite is true for people in urban areas.

Cameron Mutual vs. West Bend Mutual Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

In the table below, we've broken down all of the different discounts offered by both Cameron Mutual and West Bend Mutual so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

West Bend Mutual blows Cameron Mutual away when it comes to the sheer amount of discounts available, offering 16 different discounts to Cameron Mutual's six.

There are a couple discounts both carriers offer, but West Bend Mutual also offers ABS discounts, advanced safety feature discounts, anti-theft discounts, and more that Cameron Mutual does not.

On the flip side, Cameron Mutual has a couple unique discounts of its own -- education discounts, passive restraint discounts, renewal discounts, and more.

Final Thoughts: Is Cameron Mutual or West Bend Mutual Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is Cameron Mutual or West Bend Mutual the right carrier for you and your specific needs?

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

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

West Bend Mutual might be best for you if...

• You haven't received any speeding tickets or been in an accident in the last few years.
• You want to save extra money with discounts.
• You live in a rural neighborhood.

We hope this guide helps you get a good idea of the differences between Cameron Mutual and West Bend Mutual 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 car insurance policy is to compare quotes from multiple carriers, not just Cameron Mutual and West Bend Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Cameron Mutual vs. West Bend Mutual FAQs

Is Cameron Mutual or West Bend Mutual cheaper?

Looking just at the national average rates, Cameron Mutual is the more affordable of the two carriers, offering average rates of $124 per month compared to $131 for West Bend Mutual. But Cameron Mutual won't necessarily be the cheapest carrier for every driver, since there are many different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Cameron Mutual or West Bend Mutual?

Sadly, the answer truly is "it depends.". One company is not "better" for each driver -- it all boils down to your unique auto insurance profile.

Why do Cameron Mutual and West Bend Mutual offer me different rates?

Car insurance companies take a look at several different factors when calculating the prices they charge policyholders. Things such as your driving record, age, gender, where you live, and sometimes even things like your credit score can all come into play. Both Cameron Mutual and West Bend Mutual calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several companies 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 ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Cameron Mutual or West Bend 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.