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

You've probably seen ads offering big savings on auto insurance, but are Le Mars or Partners Mutual right for you? Which carrier offers the lowest premiums, or the most discounts? Read on to see how Le Mars and Partners Mutual compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Partners Mutual offers significantly less expensive rates than Le Mars
  • Le Mars may help you save more money -- they offer more discounts than Partners Mutual Insurance
  • Partners Mutual has more affordable prices for policyholders who live in the suburbs

Le Mars or Partners Mutual: 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 huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Le Mars or Partners Mutual as your top options, but which company will offer you cheaper rates?

Le Mars Partners Mutual

As you can see, Le Mars is quite a bit more expensive than Partners Mutual, with prices averaging $234 a month compared to just $123 with Partners Mutual when looking at the national average rates for auto insurance.

However, that doesn't necessarily mean Partners Mutual will be the more affordable option for every single driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your credit score, where you call home, or even your driving record (among other things), so premiums will differ quite a bit from person to person.

Wanting to know if Le Mars or Partners Mutual is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Le Mars vs. Partners Mutual: Average Car Insurance Rates by State

State Le Mars Partners Mutual

Both Le Mars and Partners Mutual only offer insurance in Iowa, so you'll see that the average figures here will mirror the ones we mentioned above. Partners Mutual drivers tend to pay about $111 per month less on average compared to drivers who use Le Mars for their car insurance.

Typically, where you call home will play a large role in how much you pay for insurance, but since both companies only do business in Iowa, numerous other variables will come into play when you compare Le Mars and Partners Mutual. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

Le Mars Partners Mutual
18-year-old drivers$422$243
25-year-old drivers$215$106

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. It's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of almost 40% less a month by choosing Partners Mutual over Le Mars.

Even so, both companies will offer you dramatically lower rates by the time drivers turn 25. Partners Mutual offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Le Mars's average premiums reduce nearly 50% during that same period.

Which is the Best Company for Retired Drivers?

Le Mars Partners Mutual
65+-year-old drivers$196$99

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

When looking at Le Mars and Partners Mutual specifically, which company is best for retired drivers? Partners Mutual gets the edge, with premiums for drivers 65 and older almost 50% less expensive than the national average for Le Mars.

Which is the Best Company for Married Drivers?

Le Mars Partners Mutual

You may not be aware, but car insurance prices tend to be more expensive for single drivers than they are for married policyholders. That's because policies for married couples usually cover more than one vehicle, which many carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with Partners Mutual rates coming in at around half of Le Mars's. The advantage for married drivers with Partners Mutual is also obvious, where drivers save about $90 per month.

Le Mars or Partners Mutual: Average Rates by Gender

Le Mars Partners Mutual

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, women tend to pay less for insurance than men.

Typically, men see premiums over 10% a month higher with Le Mars, but with Partners Mutual, the difference is closer to 6% per month.

Looking at overall affordability, Partners Mutual comes out on top for both men and women. On average, male drivers save about $122 a month and women save around $101 with Partners Mutual compared to the average Le Mars policyholder.

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Le Mars vs. Partners Mutual: Compare State Minimum vs. Full Coverage Rates

Le Mars Partners Mutual
State Minimum*$78$52
Full Coverage**$391$194

*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 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 for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Partners Mutual has the significant edge, with average monthly rates 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 per month to Le Mars's $391.

Is Le Mars 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 insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Le Mars Partners Mutual
Clean Record$138$79
1 Speeding Ticket$180$95

Policyholders who use Le Mars for their auto insurance can generally expect their monthly bill to go up around 23% after getting a speeding ticket. Partners Mutual policyholders can expect a less drastic increase of about 17%.

But Partners Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering rates that are 43% and 47% cheaper, respectively, compared to Le Mars Insurance Company.

Which Company is Best for Drivers After an Accident?

Le Mars Partners Mutual
Clean Record$138$79
1 At-Fault Accident$186$115

Le Mars drivers who get in an accident can expect to see their prices rise by over 25%, while those who have insurance through Partners Mutual will see around a 30% increase.

At the end of the day, the less expensive premiums come from Partners Mutual, with average prices coming in at $115 compared to Le Mars Insurance Company's $186.

Which Company is Best for Drivers with a DUI?

Le Mars Partners Mutual
Clean Record$138$79
1 DUI$434$203

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. Le Mars drivers usually see a 68% raise in their car insurance premiums after a DUI charge, while Partners Mutual will usually increase rates by about 61%.

But if you end up with a DUI charge and are looking for more affordable premiums, Partners Mutual tends to be cheaper for the average driver, with monthly premiums coming in at around $203 to Le Mars's $434.

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How does Credit Score Impact Le Mars and Partners Mutual Rates?

Did you know many auto insurance companies take into account your credit score when determining prices? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it might come into play for a lot of policyholders.

The reasoning car 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 rates.

Looking specifically at Partners Mutual and Le Mars, which one has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Le Mars Partners Mutual
Excellent Credit Score$135$92
Good Credit Score$180$108

If you have great credit, Partners Mutual will normally reward you the most. For drivers with "excellent" credit scores, Partners Mutual comes in more than 31.85 less expensive. Drivers with "good" credit scores typically save about 40% with Partners Mutual compared to average rates from Le Mars.

Which Company is Best for Drivers with Bad Credit?

Le Mars Partners Mutual
Fair Credit Score$221$126
Poor Credit Score$401$166

Partners Mutual typically offers lower premiums than Le Mars when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 43% a month less with Partners Mutual compared to Le Mars, and those with "poor" scores generally save an average of about 59% a month.

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

Le Mars Partners Mutual
6,000 Annual Miles$219$123
12,000 Annual Miles$249$123

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 less will end up with more affordable prices since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Partners Mutual charges. However, there's a pretty significant difference in monthly premiums for Le Mars, with drivers who put 6,000 miles on their car each year paying around $30 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Partners Mutual is the cheaper carrier.

Le Mars or Partners 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 car insurance, but the type of area you live in can have a considerable impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Le Mars Partners Mutual
Urban Areas$290$143
Suburban Areas$179$108
Rural Areas$235$118

When comparing these two carriers side-by-side, Partners Mutual typically comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 50% with Partners Mutual compared to Le Mars. People who live in suburban areas pay around 40% less with Partners Mutual compared to Le Mars. For policyholders in urban ZIP codes, Partners Mutual Insurance's average rates are about 51% less than Le Mars Insurance Company.

Le Mars vs. Partners Mutual Discounts

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

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Le Mars and Partners Mutual so that you can see which carrier can save you the most money each month.

Le Mars Partners Mutual
ABS Discount
Advance Quote Discount
Anti-Theft Discount
Driver Training Discount 
ESC Discount 
Family Discount 
Good Driving Discount 
Good Student Discount 
Group Discount
Hybrid Vehicle Discount 
Marital Status Discount 
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
Next Generation Discount 
Paid In Full Discount
Passive Restraint Discount
Renewal Discount 

Le Mars blows Partners Mutual away when it comes to the sheer amount of discounts available, offering nine more discounts than Partners Mutual.

There are a couple discounts both companies offer, but Le Mars also offers discounts for driver training, family discount, good driving, and more.

On the other hand, Partners Mutual has a proprietary discount of their own -- a ESC discounts.

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Final Thoughts: Is Le Mars or Partners Mutual Best for You?

So, we've broken down the average premiums for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right fit for you?

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

  • You want to save money on your auto insurance after a collision.
  • Your home is in a busy urban area.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

Le Mars might be best for you if...

  • You care about discounts (Le Mars offers the most).

Hopefully, this guide has ben a valuable resource as you compare Le Mars and Partners Mutual. We also hope we've given you the information you need to make the best decision about your auto 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 several companies, not just Le Mars 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 free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

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Le Mars vs. Partners Mutual FAQs

Is Le Mars or Partners Mutual cheaper?

Partners Mutual is the more affordable of the two companies when looking at national average rates, with policies averaging $123 per month with Partners Mutual and $234 for Le Mars. However, that doesn't mean Partners Mutual will be the lowest company for each driver, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Le Mars or Partners Mutual?

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

Why do Le Mars and Partners Mutual offer me different rates?

Car insurance carriers use quite a few different factors when calculating the prices they charge. Things such as gender, age, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both Le Mars and Partners Mutual calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best company for you isn't Le Mars or Partners Mutual at all, but another you hadn't even thought of!


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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