Farmers Union vs. Western National: Which Company is the Best Fit for You?

Quick Facts

• In general, Western National offers cheaper premiums than Farmers Union
• Farmers Union has less expensive rates for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record
• Western National offers more affordable premiums for people who are single and purchasing insurance by yourself

Farmers Union vs. Western National: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering substantial discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Farmers Union or Western National for your next policy, but which carrier has more affordable rates for auto insurance?

Looking at nationwide averages, Farmers Union has average rates that are about 19% per month more expensive than those from Western National.

Even so, that doesn't mean Western National will necessarily be less expensive than Farmers Union for every driver. After all, car 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 prices could differ drastically from person to person.

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

Farmers Union or Western National: Average Car Insurance Rates by State

Farmers Union and Western National only compete against each other in one states, with Western National offering more affordable premiums to the average driver in all of them. Minnesota has the most noticable difference, where Western National prices are over 40% cheaper than insurance premiums at Farmers Union.

That being said, there are plenty of other factors that go into your car insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of nearly $70 less a month by choosing Western National over Farmers Union.

That being said, both carriers will decrease rates by the time drivers turn 25. For example, average prices for Farmers Union policyholders drop almost 55% and Western National's rates lower nearly 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you can find.

When looking at Farmers Union and Western National specifically, which carrier is best for retired drivers? Western National gets the edge, with premiums for drivers 65 and older $39 less expensive than the national average for Farmers Union.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single policyholders than they are for married policyholders? That's typically because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Western National is the clear winner for those who are single, with prices around $41 per month cheaper than Farmers Union, on average. The advantage for married drivers with Western National is also obvious, where drivers save more than $25 a month.

Farmers Union vs. Western National: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

Women usually pay about $10 per month less than men with Farmers Union, and almost $15 with Western National.

Looking at overall affordability, Western National comes out as the lowest option for both genders, with average prices 17% less for men and 20% cheaper for women.

Farmers Union or 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.

Insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Western National generally offers significantly more affordable premiums of $60 compared to Farmers Union's $107. When it comes to full coverage policies with similar limits, Western National again has the edge, with policies around $25 a month less expensive than Farmers Union, on average.

Is Farmers Union or Western National Better for Drivers with Spotty Records?

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

At-fault collisions and tickets will most likely raise your rates, but is Farmers Union or Western National more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National insurance policies don't report seeing their prices increase after getting a ticket, but Farmers Union policyholders can expect to see their monthly bill increase by about a quarter.

If you have a clean record, Farmers Union tends to offer the best rates at around 10% cheaper, while Western National has the edge for drivers with a ticket.

Which Company is Best for Drivers After an Accident?

Farmers Union policyholders who get in an accident can expect to see their premiums rise by just under 35%, while those who have insurance through Western National will see about a 0% increase.

Overall, Western National offers the most affordable prices for drivers with an at-fault accident on their records, with monthly premiums averaging $154 compared to Farmers Union Insurance's $207.

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 speeding ticket or even a collision. On average, Farmers Union will increase your rates around 39% after a DUI, while Western National's average premiums increase by 0%.

If you have a DUI on your record and are looking for more affordable prices, Western National tends to be the much more affordable option with average rates of $154 monthly compared to $225 from Farmers Union.

How does Credit Score Impact Farmers Union and Western National Rates?

Did you know that many car insurance companies take into account your credit score when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of drivers out there.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at Farmers Union and Western National specifically, which company has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Western National. Drivers with "excellent" credit can save over 50% compared to Farmers Union, and those with "good" scores can also expect to see savings -- about $50 or 30% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around $36 less with Western National than Farmers Union, but those whose credit is considered "poor" have it flipped -- saving about $17 per month with Farmers Union.

Is Farmers Union or Western National Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a sizable impact on your monthly insurance payment? Normally, the more miles 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 Farmers Union charges. However, there's a small difference in monthly premiums for Western National, with policyholders who drive 6,000 miles yearly paying around $4 less every month compared to those who drive 12,000 miles annually. Still, Western National is the cheaper option for drivers in both categories.

Farmers Union vs. Western National: 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 auto insurance, but the type of area you live in can have a large impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which decreases the chances of an accident.

Western National boasts the most affordable average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Western National Insurance Company's average rates are about 22% less than Farmers Union Insurance. Drivers in suburban ZIP codes pay around 26% less with Western National compared to Farmers Union. If you live in a rural area, you can expect to save about 7% with Western National compared to Farmers Union.

Farmers Union vs. Western National Discounts

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

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

In the table below, we've broken down all of the different discounts offered by both Farmers Union and Western National so that you can find the one that has the most discounts and, therefore, the biggest savings.

Overall, Western National comes out ahead with 12 discounts to Farmers Union's 11.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts. Western National also offers anti-theft discounts, corporate discounts, COVID-19 relief discount, and more that Farmers Union does not.

On the flip side, Farmers Union has a couple unique discounts of its own -- farm discounts, discounts for being a good driver, group discounts, and more.

Final Thoughts: Is Farmers Union or Western National Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the best company for you and your specific driver profile?

Western National might be best for you if....

• You have a DUI charge on your record.
• Your neighborhood is in a city.
• You live in a rural neighborhood.

Farmers Union might be best for you if...

• You haven't received any speeding tickets or been in an accident in the last few years.

We hope this guide has ben a valuable resource as you compare Farmers Union 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.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of carriers, not just Farmers Union and Western National. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Farmers Union vs. Western National FAQs

Is Farmers Union or Western National cheaper?

Looking just at the national average prices, Western National is the less expensive of the two carriers, offering average rates of $154 a month compared to $189 for Farmers Union. But Western National won't necessarily be the cheapest company for each policyholder, since there are multiple different variables that come into play when it comes to your auto insurance bill.

Who is better, Farmers Union or Western National?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for every driver -- it all boils down to your unique car insurance profile. For example, Western National offers more affordable premiums for drivers with an at-fault collision on their record, while Farmers Union is cheaper for drivers who have less-than-stellar credit scores.

Why do Farmers Union and Western National offer me different rates?

Auto insurance companies take a look at quite a few different factors when determining the rates they charge policyholders. Things such as age, your driving record, gender, where you call home, and sometimes even things like your credit score can all be used. Both Farmers Union and Western National calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Farmers Union or Western National is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple 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 price. And who knows, the best company for you might not be Farmers Union or Western National 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.