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

Quick Facts

• Looking at the national averages for auto insurance, Imt offers significantly more affordable premiums than Western National
• Imt offers more affordable prices for policyholders who drive a short distance to work everyday
• Western National offers more discounts than IMT Insurance

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

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Imt or Western National for your next policy, but between the two, which carrier will save you the most?

Looking at nationwide averages, Imt is quite a bit cheaper than Western National, with premiums averaging $109 per month compared to $154 with Western National.

However, Imt may not be the most affordable or best option for each driver out there. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things), so prices could change drastically from person to person.

Luckily, we've broken down average rates from both Imt and Western National by many different rate factors, so read on to find out which company is the best for you.

Imt or Western National: Average Car Insurance Rates by State

Imt and Western National only compete against each other in two states, with Imt offering cheaper prices to the average driver in all of them. Iowa has the most noticable difference, where Imt rates are over 70% less expensive than auto insurance premiums at Western National.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your prices. Keep reading 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 insurance than any other group of drivers out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Imt save more than $100 a month compared to those who use Western National.

Even so, with both companies, you'll see your premiums lower significantly by the time you turn 25. For example, average rates for Imt policyholders reduce over 45% and Western National's premiums drop nearly 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest auto insurance prices you'll ever find. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase rates.

When looking at Imt and Western National specifically, which carrier is best for retired drivers? Imt gets the edge, with prices for drivers 65 and older almost 25% more affordable than the national average for Western National.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance rates than married policyholders. This usually boils down to married couples having more than one car on their policy -- something a lot of auto insurance carriers will reward with discounts.

When it comes to relationship status, Imt is the clear winner for single drivers, with premiums about $51 per month less expensive than Western National, on average. The advantage is also clear for married drivers - Imt offers the lowest average prices.

Imt vs. Western National: Average Rates by Gender

Because men are more likely to get speeding tickets and get into collisions, they raise the chances of filing a claim with insurance. Therefore, insurance companies will tend to offer men more expensive premiums.

Men usually pay more than $10 a month more than women with Imt, and nearly $15 with Western National.

Looking at overall affordability, Imt offers the cheapest average rates for both men and women, with average premiums 29% less for men and 30% cheaper for women.

Imt 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.

It's no secret that car insurance can be a complicated subject for most people. There are a variety of different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Imt normally offers slightly cheaper prices of $58 compared to Western National's $60. When it comes to full coverage policies with similar limits, Imt again has the edge, with policies around $90 per month more affordable than Western National, on average.

Is Imt 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 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.

It's no secret secret that tickets and collisions lead to higher rates, but which company -- Imt or Western National -- has the most affordable premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National insurance policies don't report seeing their rates increase after getting a ticket, but Imt policyholders can expect to see their monthly bill increase by about 15%.

That being said, Imt has cheaper prices for drivers in both categories -- their rates are around 51% less expensive for drivers with clean records and 42% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Imt raising by just under $60. Western National has a less extreme raise, but you can still expect to pay $0 more than you were prior to your first collision.

Overall, drivers who use Imt end up with the cheaper prices after an accident, with monthly rates averaging $134 compared to Western National Insurance Company's $154.

Which Company is Best for Drivers with a DUI?

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, Imt increases average prices by nearly $60 a month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable premiums, Imt tends to be the much more affordable option with average prices of $135 monthly compared to $154 from Western National.

How does Credit Score Impact Imt and Western National Rates?

Did you know that many auto insurance companies take your credit score into account when calculating rates? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect several policyholders out there.

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

So, which carrier offers the cheapest premiums for policyholders with good, average, or poor credit?

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 for an "excellent" credit score. Drivers with "excellent" credit can save nearly 20% compared to Imt, while those with "good" scores can expect to see better savings from Imt -- around $12 or 11% less expensive than Western National every month.

Which Company is Best for Drivers with Bad Credit?

Imt typically offers lower rates than Western National when it comes to drivers with bad credit. Drivers with "fair" credit pay about $46 per month less with Imt compared to Western National, and those with "poor" scores typically save an average of around $138 per month.

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

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Generally, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Imt charges. However, there's a small difference in monthly prices for Western National, with policyholders who drive the least paying about $4 less each month compared to those who drive 12,000 miles yearly. Still, Imt is the more affordable option for drivers in both categories.

Imt vs. Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for car insurance. Typically, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

Imt boasts the most affordable average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, IMT Insurance's average prices are around 23% less than Western National Insurance Company. Drivers in suburban ZIP codes pay about 21% less with Imt compared to Western National. If you live in a rural area, you can expect to save around 43% with Imt compared to Western National.

Imt vs. Western National Discounts

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

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

Below, we've broken down all of the different discounts offered by both Imt and Western National so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Western National comes out ahead with 12 discounts to Imt's nine.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts -- but Western National also offers anti-theft discounts, corporate discounts, COVID-19 relief discount, and more that Imt does not.

On the flip side, Imt has a couple unique discounts of its own -- commercial product discounts, group discounts, minor child discounts, and more.

Final Thoughts: Is Imt or Western National Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, is Imt or Western National the right company for you and your specific driver profile?

Imt might be best for you if....

• You're single and purchasing car insurance by yourself.
• Your credit is below-average.
• You are over 65 years old and want to save some money on your auto insurance.

Western National might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Imt and Western National. 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Imt and Western National. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Imt vs. Western National FAQs

Is Imt or Western National cheaper?

Looking just at the national average premiums, Imt is the less expensive of the two carriers, offering average rates of $109 a month compared to $154 for Western National. Even so, Imt won't necessarily be the lowest carrier for every driver, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Imt or Western National?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for each driver -- it all comes down to what your unique auto insurance profile looks like. For example, Imt offers cheaper prices for drivers with a recent DUI, while Western National is less expensive for drivers with excellent credit.

Why do Imt and Western National offer me different rates?

Insurance companies take a look at quite a few different factors when determining the rates they charge drivers. Things such as gender, age, your driving record, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Imt and Western National calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies 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 free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Imt 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.