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

Quick Facts

• In general, Imt offers more affordable prices than Partners Mutual
• Imt has less expensive rates for people who are single and purchasing auto insurance by yourself
• Partners Mutual offers cheaper average premiums for drivers who have an at-fault accident on their record

Imt vs. Partners 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 substantial discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Imt or Partners Mutual for your next policy, but which one will offer you less expensive rates?

As you can see, Imt is about $14 per month more affordable than Partners Mutual when looking at the national average rates for insurance.

That being said, that doesn't mean Imt will necessarily be cheaper than Partners Mutual for every driver. Car insurance companies 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 ton of other factors, so rates could vary drastically from person to person.

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

Imt or Partners Mutual: Average Car Insurance Rates by State

Imt and Partners Mutual only compete against each other in Iowa, where Imt offers the cheaper average prices. For Iowa residents, Imt offers auto insurance for $77 a month on average. Partners Mutual's average rates come out to be over 50% more expensive, at $123 per month.

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 calculate your prices. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of 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 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 Imt for their insurance pay more than $40 less than those who use Partners Mutual.

However, both companies will offer you dramatically lower premiums once you turn 25. For example, average prices for Imt policyholders reduce over 45% and Partners Mutual's rates drop more than 55% 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 cheapest premiums you can find.

When looking at Imt and Partners Mutual specifically, which carrier is best for retired drivers? Imt gets the edge here, with average prices coming in at around $82 monthly compared to Partners Mutual's $99.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance premiums than married drivers. This usually boils down to married couples having more than one car on their policy -- something several auto insurance carriers will reward with discounts.

When it comes to relationship status, Imt is the clear winner for those who are single, with rates about $14 a month more affordable than Partners Mutual, on average. The advantage for married policyholders with Imt is also obvious, where drivers save nearly 15% per month.

Imt vs. Partners Mutual: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will typically end up paying a little more.

On average, women see prices over 10% a month less with Imt, and around 6% less with Partners Mutual.

When it comes to the most affordable rates for each gender, Imt comes out on top for both men and women. On average, women save about $16 per month and men save about $12 with Imt compared to the average Partners Mutual policyholder.

Imt or 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.

Insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

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

In this case, Partners Mutual offers the cheapest average prices for state minimum liability limits, while Imt has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $6 with Partners Mutual Insurance, while full coverage comes out to be around $35 less expensive with IMT Insurance.

Is Imt or Partners Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto 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 at-fault collisions and tickets on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Imt policyholders can expect their rates to go up an average of $13 a month if they get a ticket, while Partners Mutual generally raises prices about $16 per month, on average.

Even so, Imt is usually the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are $3 and $6 more affordable, respectively, compared to Partners Mutual Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Imt can expect to see around an $58 -- or about 43% -- increase in their auto insurance rates. Drivers who use Partners Mutual for their insurance will see a monthly bill around $36 (or 31%) more expensive after reporting a collision to their auto insurance company.

Overall, drivers who use Partners Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $115 compared to IMT Insurance's $134.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. Partners Mutual drivers usually see a 61% increase in their insurance prices after a DUI charge, while Imt will normally climb premiums by about 44%.

If you have a DUI on your record and are looking for more affordable rates, Imt tends to be the much less expensive option with average prices of $135 a month compared to $203 from Partners Mutual.

How does Credit Score Impact Imt and Partners Mutual Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating premiums? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for many policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking specifically at Imt and Partners Mutual, which carrier has the best 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 Imt. Drivers with "excellent" credit can save 7% compared to Partners Mutual, and those with "good" scores can also expect to see savings -- around $6 or 6% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Imt typically offers lower premiums than Partners Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $18 a month less with Imt compared to Partners Mutual, and those with "poor" scores usually save an average of around $26 monthly.

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

How much you drive can have a sizable impact on your monthly car insurance bill. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

In this case, neither Imt or Partners Mutual report increasing rates for drivers with higher annual mileage figures. Still, Imt comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $109 per month for both.

Imt vs. Partners Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly auto insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads in those areas.

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

If you live in a rural area, you can expect to save about $28 with Imt compared to Partners Mutual. Drivers in suburban ZIP codes pay around $8 less with Imt compared to Partners Mutual. In urban areas, IMT Insurance's average rates are about $7 less than Partners Mutual Insurance.

Imt vs. Partners Mutual Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Below, we've broken down all of the different discounts offered by both Imt and Partners Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Overall, Imt has a slight advantage when it comes to total number of discounts. Partners Mutual offers a grand total of eight discounts, while Imt has nine.

There are a couple discounts both carriers offer, but Imt also offers commercial product discounts, defensive driver discounts, distant student discounts, and more that Partners Mutual does not.

On the flip side, Partners Mutual has a couple unique discounts of its own -- ABS discounts, advance quote discounts, anti-theft discounts, and more.

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

So, we've broken down the average premiums for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which company is the best company for you and your specific needs?

Imt might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Partners Mutual might be best for you if...

• Your driving record contains an at-fault accident.
• You want basic car insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Imt and Partners Mutual. We also hope we've given you the information you need to make the best decision about 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 several carriers, not just Imt and Partners Mutual. 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 companies in your area, all for free.

Imt vs. Partners Mutual FAQs

Is Imt or Partners Mutual cheaper?

Looking just at the national average prices, Imt is the less expensive of the two carriers, offering average rates of $109 a month compared to $123 for Partners Mutual. But Imt won't necessarily be the most affordable carrier for every driver, since there are a bunch of different factors that come into play when it comes to your auto insurance cost.

Who is better, Imt or Partners Mutual?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for each driver -- it all depends on what your unique insurance profile looks like. For example, Partners Mutual offers cheaper rates for drivers with an at-fault collision on their record, while Imt is less expensive for drivers who have less-than-stellar credit scores.

Why do Imt and Partners Mutual offer me different rates?

Car insurance companies take a look at quite a few different variables when determining the prices they charge policyholders. Things such as gender, where you park your car, your driving record, age, and sometimes even things like your credit score can all come into play. Both Imt and Partners Mutual calculate premiums using different factors, 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 a variety of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once 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 cheapest rate. And who knows, the best carrier for you might not be Imt or Partners 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.