Motorists vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Western Reserve Group offers significantly more affordable prices than Motorists
• Motorists may help you save more money -- they offer more discounts than Western Reserve Group
• Western Reserve Group has cheaper rates for policyholders who are looking to purchase insurance with a spouse

Motorists or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Motorists or Western Reserve Group as your top options, but which company has less expensive premiums for auto insurance?

As you can see, Motorists has average rates that are around 45% a month more expensive than those from Western Reserve Group when looking at the national average rates for insurance.

But that doesn't mean Western Reserve Group will necessarily be more affordable than Motorists for each driver. Car insurance carriers use a variety of complex algorithms to determine prices, so depending on how good your credit score is or where you live (among many other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Motorists and Western Reserve Group by lots of different rate factors, so read on to find out which company is the best for you.

Motorists vs. Western Reserve Group: Average Car Insurance Rates by State

Motorists and Western Reserve Group only compete against each other in two states, with Motorists offering less expensive rates to the average driver in all of them. If you live in Indiana, Motorists is the cheaper of the two companies when looking at the overall average premiums. Western Reserve Group is the more affordable option in Ohio.

That being said, there are plenty of other factors that go into your insurance bill than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. It's normally 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.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 35% less per month by choosing Western Reserve Group over Motorists.

That being said, with both carriers, you'll see your premiums drop significantly by the time you turn 25. For example, average prices for Motorists policyholders decrease almost 45% and Western Reserve Group's premiums reduce nearly 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

So, which carrier offers the best prices to retired drivers? Western Reserve Group gets the edge, with premiums for drivers 65 and older $112 less expensive than the national average for Motorists.

Which is the Best Company for Married Drivers?

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

For single drivers, the difference in average prices between these two companies is significant, with Western Reserve Group rates coming in at about half of Motorists's. For married policyholders, the advantage is clear again - Western Reserve Group has the edge when it comes to average premiums.

Motorists or Western Reserve Group: Average Rates by Gender

Women tend to pay less for auto insurance than men. That's because men are more likely to get tickets and get into accidents, which increases the chances of filing a claim with insurance.

Generally, men see prices around 5% a month higher with Motorists, but surprisingly, with Western Reserve Group, men usually pay about 1% per month less than women.

When it comes to the lowest rates for each gender, Western Reserve Group offers the most affordable average premiums for both men and women, with average prices 47% less for men and 44% cheaper for women.

Motorists vs. Western Reserve Group: 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.

Insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which typically refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability limits, Western Reserve Group has the edge, with average monthly rates coming in at $94. If you want a full coverage policy with the same state minimum limits, Western Reserve Group again has the edge, with policies averaging around $180 a month to Motorists's $379.

Is Motorists or Western Reserve Group Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault collisions and speeding tickets 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?

Policyholders who use Motorists for their car insurance can generally expect their monthly bill to go up about 10% after getting a speeding ticket. Western Reserve Group policyholders can expect a bit more drastic of an increase of around 28%.

However, Western Reserve Group tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With Western Reserve Group, drivers with a clean record can save about $81 per month and drivers with a speeding ticket can save around $65 a month.

Which Company is Best for Drivers After an Accident?

Motorists drivers who get in a collision can expect to see their premiums increase by just under 20%, while those who have insurance through Western Reserve Group will see about a 25% increase.

At the end of the day, drivers who use Western Reserve Group end up with the cheaper prices after an accident, with average rates coming in at $120 compared to Motorists Insurance Group's $206.

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 ticket when it comes to your insurance bill. For example, Motorists increases average prices by more than $250 per month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Western Reserve Group tends to be less expensive for the average driver, with monthly premiums coming in at around $218 to Motorists's $442.

How does Credit Score Impact Motorists and Western Reserve Group Rates?

Often times, your credit score can be used as one of the variables to calculate your monthly auto insurance prices. This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

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

Looking at Motorists and Western Reserve Group specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Western Reserve Group will typically reward you the most. For drivers with "excellent" credit scores, Western Reserve Group comes in over 35.22 cheaper. Drivers with "good" credit scores generally save about 37% with Western Reserve Group compared to average prices from Motorists.

Which Company is Best for Drivers with Bad Credit?

Western Reserve Group typically offers lower rates than Motorists when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 40% a month less with Western Reserve Group compared to Motorists, and those with "poor" scores normally save an average of about 56% per month.

Is Motorists or Western Reserve Group Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much insurance companies will charge for coverage. Usually, the more milage you put on your car each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Western Reserve Group charges. However, there's a small difference in monthly prices for Motorists, with drivers who put 6,000 miles on their vehicle annually paying around $10 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Western Reserve Group is the more affordable company.

Motorists or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for car insurance. Generally, 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.

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

For policyholders in urban ZIP codes, Western Reserve Group's average premiums are about 49% less than Motorists Insurance Group. People who live in suburban areas pay around 35% less with Western Reserve Group compared to Motorists. Those in rural areas can expect to save about 50% with Western Reserve Group compared to Motorists.

Motorists vs. Western Reserve Group 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 car insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Motorists and Western Reserve Group so that you can easily 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, Motorists comes out ahead with 14 discounts to Western Reserve Group's 11.

Both companies offer quite a few of the same discounts -- like advance quote discounts, discounts for being a defensive driver, and multi-policy discounts -- but Motorists also offers discounts for ABS, empty nester discount, hybrid vehicle, and more.

On the other hand, Western Reserve Group has a few proprietary discounts of their own for things like agency transfer discounts, company car discounts, distant student discounts, and more.

Final Thoughts: Is Motorists or Western Reserve Group Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right fit for you?

Western Reserve Group might be best for you if....

• You will be the only person on the insurance policy.
• You live in an suburban area.
• You live in a rural neighborhood.

Motorists might be best for you if...

• You're looking for discounts -- Motorists has the most.

Hopefully, this guide helps you get a better idea of the difference between Motorists and Western Reserve Group and that it aids in making a more informed 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 auto insurance policy is to compare quotes from multiple carriers, not just Motorists and Western Reserve Group. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Motorists vs. Western Reserve Group FAQs

Is Motorists or Western Reserve Group cheaper?

Western Reserve Group is the cheaper of the two carriers when looking at national average premiums, with policies averaging $137 per month with Western Reserve Group and $251 for Motorists. That being said, that doesn't mean Western Reserve Group will be the lowest carrier for every driver, since there are multiple different variables that come into play when it comes to your auto insurance payment.

Who is better, Motorists or Western Reserve Group?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Motorists and Western Reserve Group offer me different rates?

Insurance companies use a lot of different factors when determining the prices they charge. Variables such as where you live, gender, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Motorists and Western Reserve Group calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Motorists or Western Reserve Group is right for me?

The only way to find the auto 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, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Motorists or Western Reserve Group 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.