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

Looking for car insurance and wondering if Imt or West Bend Mutual is the right company for you? If so, you're probably wondering which carrier has the most affordable rates or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
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Quick Facts

  • Looking at the national averages for auto insurance, Imt offers less expensive prices than West Bend Mutual
  • Imt tends to be a much cheaper option for people who are single and purchasing car insurance by yourself
  • West Bend Mutual offers more discounts than IMT Insurance

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Imt or West Bend Mutual as your top options, but between the two, which one will offer you more affordable premiums?

Imt West Bend Mutual

As you can see, West Bend Mutual is about $22 more per month than Imt when looking at the national average rates for insurance.

But Imt may not be the cheapest or best option for each driver out there. Auto insurance companies use all sorts of complex algorithms to calculate prices, so depending on how good your credit score is or how clean your driving record is (among multiple other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Imt or West Bend Mutual is really the best for you, keep reading to see average rates for each company broken down by several different rate factors.

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

State Imt West Bend Mutual

Imt and West Bend Mutual only compete against each other in two states, with Imt offering cheaper premiums to the average driver in all of them. Iowa has the most noticable difference, where Imt prices are over 20% less expensive than insurance rates at West Bend Mutual.

There's a lot more that goes into your auto insurance cost than just the state you live in. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Imt West Bend Mutual
18-year-old drivers$201$328
25-year-old drivers$108$114

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, 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 auto insurance pay nearly $150 less than those who use West Bend Mutual.

However, with both carriers, you'll see your prices drop significantly by the time drivers turn 25. West Bend Mutual offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Imt still has the lowest rates at $108 a month.

Which is the Best Company for Retired Drivers?

Imt West Bend Mutual
65+-year-old drivers$82$92

Once you approach retirement age, you'll generally enjoy the cheapest insurance prices you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

So, which carrier offers the best premiums to retired drivers? Imt gets the edge, with rates for drivers 65 and older $10 more affordable than the national average for West Bend Mutual.

Which is the Best Company for Married Drivers?

Imt West Bend Mutual

Married couples tend to get slightly less expensive auto insurance premiums than those who are single. That's typically because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Imt is the clear winner for single policyholders, with prices around $38 a month more affordable than West Bend Mutual, on average. But for married drivers, that advantage is much less clear - Imt offers the lowest average premiums , but the difference is only a dollar.

Imt vs. West Bend Mutual: Average Rates by Gender

Imt West Bend Mutual

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for insurance than women.

Women generally pay more than 10% per month less than men with Imt, while with West Bend Mutual, the difference is closer to 12% a month.

Looking at the data for each company specifically, Imt offers the most affordable average prices for both men and women, with average rates $24 less for men and $20 cheaper for women.

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Imt or West Bend Mutual: Compare State Minimum vs. Full Coverage Rates

Imt West Bend Mutual
State Minimum*$58$77
Full Coverage**$160$186

*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.

It's no secret that car insurance can be pretty complicated. There are many different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability insurance, Imt usually offers cheaper premiums of $58 compared to West Bend Mutual's $77. When it comes to full coverage policies with similar limits, Imt again has the edge, with policies about $25 per month more affordable than West Bend Mutual, on average.

Is Imt 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 tickets and at-fault accidents on your record, but which of these two companies offers the lowest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Imt West Bend Mutual
Clean Record$76$84
1 Speeding Ticket$89$109

Imt policyholders can expect their rates to go up an average of $13 a month if they get a ticket, while West Bend Mutual typically raises premiums around $25 per month, on average.

Even so, Imt is normally the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 10% cheaper for drivers with clean records and 18% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Imt West Bend Mutual
Clean Record$76$84
1 At-Fault Accident$134$163

Imt drivers who get in a collision can expect to see their prices rise by just under 45%, while those who have insurance through West Bend Mutual will see about a 50% increase.

Overall, drivers who use Imt end up with the cheaper prices after an accident, with monthly rates averaging $134 compared to West Bend Mutual Insurance's $163.

Which Company is Best for Drivers with a DUI?

Imt West Bend Mutual
Clean Record$76$84
1 DUI$135$169

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. For example, West Bend Mutual increases average prices by $85 a month -- that's over a 50% increase.

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 premiums of $135 monthly compared to $169 from West Bend Mutual.

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

In many cases, your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't always the case (for example, are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

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

Looking specifically at West Bend Mutual and Imt, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Imt West Bend Mutual
Excellent Credit Score$86$97
Good Credit Score$102$115

If you have great credit, you'll usually find a better deal with Imt. Policyholders with "excellent" credit can save more than 10% compared to West Bend Mutual, and those with "good" scores can also expect to see savings -- around $13 or 11% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Imt West Bend Mutual
Fair Credit Score$108$133
Poor Credit Score$140$180

Imt typically offers lower premiums than West Bend Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $25 per month less with Imt compared to West Bend Mutual, and those with "poor" scores typically save an average of around $40 per month.

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

Imt West Bend Mutual
6,000 Annual Miles$109$131
12,000 Annual Miles$109$131

How much you drive can have a large impact on your monthly prices. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause an insurance claim.

In this case, neither Imt or West Bend Mutual report increasing premiums for drivers with higher annual mileage figures. Imt comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car each year, with average rates of $109 a month for both.

Imt vs. West Bend Mutual: 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 sizable impact as well. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads in those areas.

Imt West Bend Mutual
Urban Areas$136$158
Suburban Areas$100$122
Rural Areas$90$113

Imt boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest prices from both companies, but Imt comes out on top with average rates about $90 a month. Imt also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a 14% and 18% per month respective difference when compared to West Bend Mutual drivers in similar areas.

Imt vs. West Bend Mutual Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you can take advantage of.

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

Imt West Bend Mutual
ABS Discount 
Advanced Safety Feature Discount 
Anti-Theft Discount 
Commercial Product Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Excess Vehicle Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Marital Status Discount 
Minor Child Discount 
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
Paid In Full Discount
teenSMART Discount 
Vehicle Safety Discount 

West Bend Mutual blows Imt away when it comes to the sheer amount of discounts available, offering seven more discounts than Imt.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, distant student discounts, and group discounts -- but West Bend Mutual also offers ABS discounts, advanced safety feature discounts, anti-theft discounts, and more that Imt does not.

On the flip side, Imt has a couple unique discounts of its own -- commercial product discounts, discounts for getting driver training, and minor child discounts.

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Final Thoughts: Is Imt 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 Imt or West Bend Mutual the right carrier for you and your specific driver profile?

Imt might be best for you if....

  • You have a clean driving record, free of collisions, tickets, or DUIs.
  • Your home is in a busy urban area.
  • Your neighborhood is in a rural area.

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

  • You care about discounts (West Bend Mutual offers the most).

We hope this guide helps you get a better idea of the difference between Imt and West Bend Mutual and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Imt and West Bend Mutual. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

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Imt vs. West Bend Mutual FAQs

Is Imt or West Bend Mutual cheaper?

Looking just at the national average prices, Imt is the cheaper of the two carriers, offering average rates of $109 a month compared to $131 for West Bend Mutual. But Imt won't necessarily be the most affordable carrier for every driver, since there are a bunch of different variables that come into play when it comes to your insurance bill.

Who is better, Imt or West Bend Mutual?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for each driver -- it all comes down to what your unique car insurance profile looks like.

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

Auto insurance companies take a look at lots of different factors when calculating the rates they charge policyholders. Things such as age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Imt and West Bend Mutual use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the 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, makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Imt or West Bend Mutual at all!


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.

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