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

Quick Facts

• Based on national averages for car insurance, Western National offers significantly more affordable rates than Le Mars
• Le Mars may help you save more money -- they offer more discounts than Western National Insurance Company
• Western National has cheaper prices for policyholders who drive fewer than 6,000 miles yearly

Le Mars or Western National: 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 large savings. But exactly how much can you save by switching?

You might have narrowed your search down to Le Mars or Western National as potential options, but which one has less expensive premiums for insurance?

Looking at nationwide averages, Western National is quite a bit cheaper than Le Mars, with rates averaging $154 a month compared to $234 with Le Mars.

However, Western National may not be the lowest or best option for every driver out there. Car insurance carriers use a variety of complex algorithms to determine prices, so depending on where you live or how clean your driving record is (among numerous other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Le Mars or Western National is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

Le Mars vs. Western National: Average Car Insurance Rates by State

Le Mars and Western National only compete against each other in Iowa, where Western National offers the cheaper average rates. Western National drivers tend to pay about $102 per month less on average compared to drivers who use Le Mars for their auto insurance.

There are plenty of other factors that go into your car insurance cost than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any group on the road. That's usually 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 auto insurance. As you can see above, teens who use Western National save over 25% a month compared to those who use Le Mars.

That being said, both companies will lower prices once you turn 25. For example, average premiums for Le Mars policyholders drop almost 50% and Western National's rates decrease nearly 50% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Le Mars and Western National specifically, which carrier is best for retired drivers? Western National gets the edge here, with average premiums coming in at around $109 per month compared to Le Mars's $196.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average prices between these two carriers is significant, with Western National premiums coming in at a third less than Le Mars's. The advantage for married drivers with Western National is also obvious, where drivers save about $65 per month.

Le Mars or Western National: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will generally end up paying a little more.

On average, men see rates more than 10% a month higher with Le Mars, and around 9% more with Western National.

Looking at overall affordability, Western National comes out as the most affordable option for both genders. On average, male drivers save about $88 per month and women save about $73 with Western National compared to the average Le Mars policyholder.

Le Mars vs. 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 insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability insurance, Western National has the edge, with average monthly prices coming in at $60. If you want a full coverage policy with the same state minimum limits, Western National again has the edge, with policies averaging around $248 a month to Le Mars's $391.

Is Le Mars or Western National Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 accidents and speeding tickets on your record, but which of these two companies offers the cheapest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Western National car insurance policies don't report seeing their prices increase after getting a ticket, but Le Mars policyholders can expect to see their monthly bill increase by about a quarter.

If you have gotten a speeding ticket, Western National tends to offer the best premiums at around 14% more affordable, while Le Mars has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Le Mars drivers who get in an accident can expect to see their rates rise by just under $50, while those who have insurance through Western National will see about a $0 increase.

At the end of the day, drivers who use Western National end up with the cheaper prices after an accident, with average premiums coming in at $154 compared to Le Mars Insurance Company's $186.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Le Mars will raise your rates around 68% after a DUI, while Western National's average prices increase by 0%.

But if you end up with a DUI charge and are looking for more affordable rates, Western National tends to be less expensive for the average driver, with monthly premiums coming in at about $154 to Le Mars's $434.

How does Credit Score Impact Le Mars and Western National Rates?

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

The reasoning car insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

Looking at Le Mars and Western National specifically, which carrier has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Western National will usually reward you the most. For drivers with "excellent" credit scores, Western National comes in nearly 48.15 more affordable. Drivers with "good" credit scores typically save around 37% with Western National compared to average rates from Le Mars.

Which Company is Best for Drivers with Bad Credit?

Western National typically offers lower prices than Le Mars when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 30% per month less with Western National compared to Le Mars, and those with "poor" scores usually save an average of around 31% monthly.

Is Le Mars 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 your monthly insurance payment. Generally, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Western National offers less expensive rates than Le Mars. Western National average prices for drivers with 6,000 annual miles come in more than $65 more affordable than Le Mars. Those who drive 12,000 miles annually can expect to pay nearly $95 less with Western National over Le Mars.

Le Mars or Western National: 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 sizable impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Western National typically comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $77 with Western National compared to Le Mars. People who live in suburban areas pay around $52 less with Western National compared to Le Mars. For policyholders in urban ZIP codes, Western National Insurance Company's average rates are about $113 less than Le Mars Insurance Company.

Le Mars vs. Western National Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and 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 qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Le Mars and Western National so that you can find the company that has the most discounts and, therefore, the largest savings.

Overall, Le Mars has the advantage when it comes to total number of discounts. Western National offers a grand total of 12 discounts, while Le Mars has 17.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good student, and discounts for insuring multiple cars with the same company. Le Mars also offers discounts for ABS, advance quote, good driving, and more.

On the other hand, Western National has a few proprietary discounts of their own for things like corporate discounts, COVID-19 relief discount, defensive driver discounts, and more.

Final Thoughts: Is Le Mars or Western National Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, is Le Mars or Western National the best carrier for you, your vehicle, and your wallet?

Western National might be best for you if....

• You have a speeding ticket on your driving record.
• Your home is in a busy urban area.
• You want to save money while purchasing insurance for a teenager.

Le Mars might be best for you if...

• You haven't received any speeding tickets or been in a collision in the last few years.
• You care about discounts (Le Mars offers the most).

Hopefully, this guide helps you get a better idea of the difference between Le Mars and Western National. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from multiple carriers, not just Le Mars and Western National. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Le Mars vs. Western National FAQs

Is Le Mars or Western National cheaper?

Western National is the cheaper of the two carriers when looking at national average prices, with policies averaging $154 a month with Western National and $234 for Le Mars. However, that doesn't mean Western National will be the cheapest carrier for everyone, since there are multiple different factors that come into play when it comes to your auto insurance bill.

Who is better, Le Mars or Western National?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Le Mars and Western National offer me different rates?

Car insurance companies use quite a few different variables when calculating the premiums they charge. Factors like age, where you live, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Le Mars and Western National calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code 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 best price. And maybe you'll find that the best carrier for you isn't Le Mars or Western National 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.