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

Quick Facts

• Looking at the national averages for car insurance, Partners Mutual offers significantly cheaper prices than Hastings Mutual
• Hastings Mutual may help you save more money -- they offer more discounts than Partners Mutual Insurance
• Partners Mutual offers less expensive average rates for policyholders who are looking to purchase insurance with a spouse

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Hastings Mutual or Partners Mutual, but between the two, which company will save you the most?

Looking at nationwide averages, Partners Mutual is quite a bit cheaper than Hastings Mutual, with premiums averaging $123 a month compared to $211 with Hastings Mutual.

That being said, that doesn't mean Partners Mutual will necessarily be more affordable than Hastings Mutual for every driver. Insurance carriers use a ton of complex algorithms to determine rates, so depending on where you live or how clean your driving record is (among a variety of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Hastings Mutual and Partners Mutual by many different rate factors, so read on to find out which company is the best for you.

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

Hastings Mutual and Partners Mutual only compete against each other in Iowa, where Hastings Mutual offers the cheaper average prices. Hastings Mutual drivers tend to pay about $33 per month less on average compared to drivers who use Partners Mutual for their auto insurance.

That being said, there are plenty of other factors that go into your car insurance bill than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of almost 35% less a month by choosing Partners Mutual over Hastings Mutual.

However, with both companies, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Hastings Mutual policyholders decrease around $150 and Partners Mutual's rates drop about $150 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise premiums.

So, which carrier offers the best prices to retired drivers? Partners Mutual gets the edge, with rates for drivers 65 and older $68 cheaper than the national average for Hastings Mutual.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are usually more expensive for those who are single than they are for married drivers? That's generally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Partners Mutual rates coming in at around 40% less than Hastings Mutual's. The advantage is also clear for married policyholders - Partners Mutual offers the cheapest average premiums.

Hastings Mutual or Partners Mutual: Average Rates by Gender

You may not know, but insurance is typically cheaper for women than it is for men. That's because women are less likely to get tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Women normally pay about $5 per month less than men with Hastings Mutual, and around $8 less with Partners Mutual.

Looking at the data for each company specifically, Partners Mutual comes out on top for both men and women, with average rates 40% less for men and 43% cheaper for women.

Hastings Mutual vs. Partners 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.

Auto insurance can be a complicated subject for most people. There are so many different limits and terms 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 (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Partners Mutual has the significant edge, with average monthly prices 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 a month to Hastings Mutual's $279.

Is Hastings 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.

It's no secret secret that speeding tickets and accidents lead to higher rates, but which carrier -- Hastings Mutual or Partners Mutual -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Hastings Mutual for their auto insurance can typically expect their monthly bill to go up around 16% after getting a speeding ticket. Partners Mutual policyholders can expect a bit more drastic of an increase of about 17%.

But Partners Mutual tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 28% more affordable for drivers with clean records and 26% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault collision with Partners Mutual raising by around 31%. Hastings Mutual has a less extreme rise, but you can still expect to pay nearly 15% more than you were prior to your first accident.

At the end of the day, drivers who use Partners Mutual end up with the cheaper prices after an accident, with average rates coming in at $115 compared to Hastings Mutual Insurance Company's $126.

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 insurance bill -- normally a lot more than an accident or speeding ticket. Hastings Mutual drivers usually see a 77% increase in their car insurance premiums after a DUI charge, while Partners Mutual will usually climb prices by about 61%.

But if you end up with a DUI charge and are looking for more affordable rates, Partners Mutual tends to be more affordable for the average driver, with monthly premiums coming in at around $203 to Hastings Mutual's $478.

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

Often times, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it might come into play for several drivers.

The reasoning auto insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

Looking at Hastings Mutual and Partners Mutual specifically, which carrier has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Partners Mutual will typically reward you the most. For policyholders with "excellent" credit scores, Partners Mutual comes in just under 44.91 cheaper. Drivers with "good" credit scores generally save about 44% with Partners Mutual compared to average rates from Hastings Mutual.

Which Company is Best for Drivers with Bad Credit?

Partners Mutual typically offers lower prices than Hastings Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around 39% per month less with Partners Mutual compared to Hastings Mutual, and those with "poor" scores normally save an average of about 40% per month.

Is Hastings Mutual or Partners Mutual 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 substantial impact on how much insurance companies will charge for coverage? Usually, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

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

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

Where your home is can have a pretty big impact on your monthly car insurance payment. Typically, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer cars on the roads where they live.

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

For drivers in urban ZIP codes, Partners Mutual's average prices are around $143 while Hastings Mutual offers premiums about $291. Drivers in suburban ZIP codes pay a monthly premium of around $108 with Partners Mutual compared to $177 with Hastings Mutual. Those in rural areas can expect to pay about $118 a month with Partners Mutual and $164 with Hastings Mutual.

Hastings 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.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Hastings Mutual and Partners Mutual offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Hastings Mutual comes out ahead with 10 discounts to Partners Mutual's eight.

There are a couple discounts both companies offer, but Hastings Mutual also offers discounts for company car, defensive driver, good driving, and more.

On the other hand, Partners Mutual has a few proprietary discounts of their own for things like advance quote discounts, ESC discounts, group discounts, and more.

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

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the best company for you and your specific driver profile?

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

• You've received a ticket for speeding recently and don't want to see your rates increase.
• You have above-average credit.
• You have a short drive to work everyday.

Hastings Mutual might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Hastings Mutual and Partners Mutual. We also hope we've given you the information you need to make the best decision about your car 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 carriers, not just Hastings Mutual and Partners Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Hastings Mutual vs. Partners Mutual FAQs

Is Hastings Mutual or Partners Mutual cheaper?

Partners Mutual is the cheaper of the two carriers when looking at national average premiums, with policies averaging $123 per month with Partners Mutual and $211 for Hastings Mutual. That being said, that doesn't mean Partners Mutual will be the lowest carrier for each driver, since there are several different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Hastings Mutual or Partners Mutual?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

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

Insurance companies use many different variables when determining the rates they charge. Factors such as where you park your vehicle, gender, age, where you live, and sometimes even things like your credit score can all come into play. Both Hastings Mutual and Partners Mutual use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car 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, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Hastings Mutual or Partners Mutual 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.