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

Quick Facts

• Based on national averages for insurance, Western National offers significantly more affordable rates than Memberselect
• Memberselect offers more discounts than Western National Insurance Company
• Western National has less expensive prices for policyholders who drive fewer than 12,000 miles each year

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Memberselect or Western National as your top options, but between the two, which one will offer you cheaper premiums?

Looking at nationwide averages, Memberselect is quite a bit more expensive than Western National, with prices averaging $274 per month compared to just $154 with Western National.

Even so, that doesn't necessarily mean Western National will be the less expensive option for each driver. Auto insurance companies use tons of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among a whole range of other factors), you could see wildly different prices from the ones above.

Wanting to know if Memberselect or Western National is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Memberselect or Western National: Average Car Insurance Rates by State

Memberselect and Western National only compete against each other in Minnesota, where Western National offers the cheaper average rates. For Minnesota residents, Western National offers insurance for $167 monthly on average. Memberselect's average prices come out to be over 60% more expensive, at $274 a month.

There's a lot more that goes into your car insurance payment than just the state you live in. Read on 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 group on the road. It's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing Western National over Memberselect.

That being said, with both carriers, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Memberselect policyholders lower almost 40% and Western National's rates decrease nearly 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest car insurance prices you can find. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase premiums.

When looking at Memberselect and Western National specifically, which company is best for retired drivers? Western National gets the edge, with prices for drivers 65 and older $129 more affordable than the national average for Memberselect.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically cheaper for married couples than they are for those who are single? That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Western National is the clear winner for single drivers, with prices about $130 per month more affordable than Memberselect, on average. The advantage for married policyholders with Western National is also obvious, where drivers save more than $100 a month.

Memberselect vs. Western National: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they raise the chances of filing a claim with insurance. Therefore, insurance companies will often charge men more than women.

Usually, women see premiums around $10 per month cheaper with Memberselect, and almost $15 with Western National.

Looking at overall affordability, Western National offers the cheapest average rates for both men and women. On average, women save about $122 a month and men save about $119 with Western National compared to the average Memberselect policyholder.

Memberselect 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. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Western National generally offers significantly less expensive premiums of $60 compared to Memberselect's $183. When it comes to full coverage policies with similar limits, Western National again has the edge, with policies around $100 per month more affordable than Memberselect, on average.

Is Memberselect or Western National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and tickets lead to higher prices, but which carrier -- Memberselect or Western National -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National car insurance policies don't report seeing their prices increase after getting a ticket, but Memberselect policyholders can expect to see their monthly bill increase by about 25%.

That being said, Western National tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are $25 and $83 less expensive, respectively, compared to MemberSelect Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with Memberselect raising by over $35. Western National has a less extreme climb, but you can still expect to pay $0 more than you were prior to your first collision.

Overall, Western National offers the lowest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $154 compared to MemberSelect Insurance Company's $216.

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 speeding ticket when it comes to your insurance bill. On average, Memberselect will raise your premiums around 62% after a DUI, while Western National's average rates climb by 0%.

If you have a DUI on your record and are looking for more affordable prices, Western National tends to be the much cheaper option with average premiums of $154 per month compared to $466 from Memberselect.

How does Credit Score Impact Memberselect and Western National Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating rates? This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

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

Looking specifically at Memberselect and Western National, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a pretty big impact on how much car insurance carriers will charge for coverage? Usually, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Western National tends to be the less expensive option. Memberselect average premiums for drivers with 6,000 annual miles come in about $116 more expensive than Western National. Those who drive 12,000 miles yearly can expect to pay around $124 more with Memberselect over Western National.

Memberselect vs. 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 insurance, but the type of area you live in can have a substantial impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Western National tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Western National's average prices are about $177 a month compared to Memberselect's $294. Drivers in suburban ZIP codes pay a monthly premium of around $127 with Western National compared to $302 with Memberselect. If you live in a rural area, you can expect to pay about $158 monthly with Western National compared to Memberselect's $228.

Memberselect vs. Western National 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 taking advantage of as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the section below, we've compared all of the different discounts offered by Memberselect and Western National so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Memberselect has a slight advantage when it comes to total number of discounts. Western National offers a grand total of 12 discounts, while Memberselect has 13.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, and multi-policy discounts. Memberselect also offers AAA discounts, advance quote discounts, EFT discounts, and more that Western National does not.

On the flip side, Western National has a couple unique discounts of its own -- corporate discounts, COVID-19 relief discount, discounts for getting driver training, and more.

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

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific profile and needs?

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

• You're worried about the impact your credit score will have on your rates.
• You have above-average credit.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Memberselect might be best for you if...

• You care about discounts (Memberselect offers the most).

We hope this guide helps you get a good idea of the differences between Memberselect 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.

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 Memberselect and Western National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

Memberselect vs. Western National FAQs

Is Memberselect or Western National cheaper?

Looking just at the national average prices, Western National is the more affordable of the two carriers, offering average rates of $154 per month compared to $274 for Memberselect. But Western National won't necessarily be the most affordable company for each driver, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Memberselect or Western National?

Unfortunately, the real answer is "it depends.". No one carrier is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Memberselect and Western National offer me different rates?

Insurance companies take a look at quite a few different factors when determining the premiums they charge policyholders. Things like age, gender, where you call home, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Memberselect and Western National calculate rates differently, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance carrier 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, sites like Compare.com do 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. With those, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Memberselect 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.