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

Quick Facts

• Looking at the national averages for car insurance, Cameron Mutual offers cheaper rates than Western National
• Cameron Mutual tends to be a much more affordable option for drivers with a DUI
• Western National may help you save more money -- they offer more discounts than Cameron Mutual Insurance Company

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Cameron Mutual or Western National as your top options, but between the two, which carrier will save you the most?

Looking at nationwide averages, Western National has average rates that are around 19% a month more expensive than those from Cameron Mutual.

But that doesn't mean Cameron Mutual will necessarily be less expensive than Western National for every driver. Auto insurance carriers vary their prices depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a variety of other factors, so rates could change drastically from person to person.

Luckily, we've broken down average premiums from both Cameron Mutual and Western National by several different rate factors, so read on to find out which carrier is the best for you.

Cameron Mutual vs. Western National: Average Car Insurance Rates by State

Cameron Mutual and Western National only compete against each other in one states, with Cameron Mutual offering more affordable prices to the average driver in all of them. Iowa has the most noticable difference, where Cameron Mutual premiums are $20 cheaper than car insurance prices at Western National.

There are plenty of other factors that go into your insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group on the road. That'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 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 auto insurance pay over 10% less than those who use Western National.

However, with both companies, you'll see your premiums lower significantly by the time you turn 25. For example, average rates for Cameron Mutual policyholders drop more than 55% and Western National's prices reduce almost 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

So, which company offers the best prices to retired drivers? Cameron Mutual gets the edge here, with average premiums coming in at about $79 a month compared to Western National's $109.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are usually more expensive for single drivers than they are for married couples? This usually boils down to married policyholders having more than one vehicle on their policy -- something a lot of insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Cameron Mutual premiums coming in at around 15% less than Western National's. The advantage for married drivers with Cameron Mutual is also obvious, where drivers save about $30 per month.

Cameron Mutual or Western National: Average Rates by Gender

Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, insurance carriers will tend to offer women more affordable rates.

Women typically pay nearly 10% a month less than men with Cameron Mutual, and around 9% less with Western National.

Looking at the data for each carrier specifically, Cameron Mutual comes out on top for both men and women. On average, male drivers save about $30 per month and women save about $29 with Cameron Mutual compared to the average Western National policyholder.

Cameron Mutual vs. Western National: 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, car insurance isn't the easiest topic to understand. There are many different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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 and passengers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability insurance, Cameron Mutual has the 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 around $195 a month to Western National's $248.

Is Cameron Mutual or Western National Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 at-fault collisions and speeding tickets on your record, but which of these two companies offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Cameron Mutual car insurance policies don't report seeing their rates increase after getting a ticket, but Western National policyholders can expect to see their monthly bill increase by about $0.

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 $44 and $44 cheaper, respectively, compared to Western National Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Cameron Mutual can expect to see around an $14 -- or about 11% -- rise in their car insurance premiums. Drivers who use Western National for their insurance will see a monthly bill around $0 (or 0%) more expensive after reporting a collision to their auto insurance company.

At the end of the day, drivers who use Cameron Mutual end up with the cheaper prices after an accident, with average rates coming in at $124 compared to Western National Insurance Company's $154.

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. For example, Cameron Mutual increases average premiums by more than $40 per month -- that's nearly a 30% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Cameron Mutual tends to be more affordable for the average driver, with monthly premiums coming in at about $152 to Western National's $154.

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

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect quite a few drivers out there.

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

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Western National will typically reward you the most for an "excellent" credit score. For policyholders with "excellent" credit scores, Western National comes in more than 17% less expensive. Drivers with "good" credit scores normally save around 6% with Cameron Mutual compared to average rates from Western National.

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual typically offers lower prices than Western National when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 18% a month less with Cameron Mutual compared to Western National, and those with "poor" scores usually save an average of around 36% per month.

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

How much you drive can have a substantial impact on how much auto insurance companies will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

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 small difference in monthly rates for Western National, with policyholders who drive 6,000 miles annually paying about $4 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Cameron Mutual is the more affordable company.

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

Where you park your vehicle can play a big role in how much you pay for car insurance. Typically, 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.

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

For drivers in urban ZIP codes, Cameron Mutual Insurance Company's average prices are around 24% less than Western National Insurance Company. People who live in suburban areas pay about 4% less with Cameron Mutual compared to Western National. Those in rural areas can expect to save around 27% with Cameron Mutual compared to Western National.

Cameron Mutual vs. Western National Discounts

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

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 company 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 Western National 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.

Western National blows Cameron Mutual away when it comes to the sheer amount of discounts available, offering 12 different discounts to Cameron Mutual's six.

Both companies offer a lot of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and renewal discounts -- but Western National also offers discounts for anti-theft, corporate, COVID-19 relief, and more.

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

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

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. But, at the end of the day, which carrier is the right fit for you?

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

• You've been pulled over for speeding recently.
• You're looking for the best premiums on liability only coverage.
• You have a short drive to work everyday.

Western National might be best for you if...

• You care about discounts (Western National offers the most).

Hopefully, this guide helps you get a better idea of the difference between Cameron Mutual and Western National. 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Cameron Mutual and Western National. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Cameron Mutual vs. Western National FAQs

Is Cameron Mutual or Western National cheaper?

Cameron Mutual is the less expensive of the two companies when looking at national average prices, with policies averaging $124 per month with Cameron Mutual and $154 for Western National. Even so, that doesn't mean Cameron Mutual will be the most affordable company for every driver, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Cameron Mutual or Western National?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Western National is cheaper for drivers with excellent credit, while Cameron Mutual offers more affordable rates for drivers with a recent DUI.

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

Insurance carriers use several different variables when determining the premiums they charge. Factors such as your driving record, gender, age, where your home is, and sometimes even things like your credit score can all come into play. Both Cameron Mutual and Western National calculate rates using different formulas, 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 multiple different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several 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 car insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Cameron Mutual or Western National 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.