National Mutual vs. Ohio Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Ohio Mutual offers significantly less expensive rates than National Mutual
• National Mutual offers more discounts than Ohio Mutual Insurance Company
• Ohio Mutual tends to be a much cheaper option for people who are single and purchasing insurance by yourself

National Mutual vs. Ohio 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 big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to National Mutual or Ohio Mutual as your top options, but between the two, which one will offer you more affordable prices?

Looking at nationwide averages, National Mutual has average rates that are about 24% per month more expensive than those from Ohio Mutual.

But that doesn't necessarily mean Ohio Mutual will be the less expensive option for each driver. Car insurance companies use tons of complex algorithms to calculate premiums, so depending on where you live or how old you are (among lots of other factors), you could see wildly different prices from the ones above.

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

National Mutual or Ohio Mutual: Average Car Insurance Rates by State

National Mutual and Ohio Mutual only compete against each other in Ohio, where Ohio Mutual offers the cheaper average prices. For Ohio residents, Ohio Mutual offers auto insurance for $152 a month on average. National Mutual's average rates come out to be more expensive, at $160 per month.

There's a lot more that goes into your insurance payment than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Ohio Mutual save nearly $200 a month compared to those who use National Mutual.

Even so, both carriers will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for National Mutual policyholders drop more than 60% and Ohio Mutual's premiums lower around 50% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between National Mutual and Ohio Mutual? Ohio Mutual gets the edge, with prices for drivers 65 and older $20 cheaper than the national average for National Mutual.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are usually more expensive for single policyholders than they are for married couples? That's because policies for married drivers normally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Ohio Mutual is the clear winner for those who are single, with rates about $68 per month more affordable than National Mutual, on average. The advantage for married policyholders with Ohio Mutual is also obvious, where drivers save over 15% a month.

National Mutual vs. Ohio Mutual: 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 usually end up paying a little more.

With National Mutual, men typically pay almost 10% more per month than women., and around 5% with Ohio Mutual.

Looking at overall affordability, Ohio Mutual comes out on top for both men and women, with average prices 26% less for men and 23% cheaper for women.

National Mutual or Ohio Mutual: 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.

For most people, insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, Ohio Mutual generally offers cheaper premiums of $74 compared to National Mutual's $94. When it comes to full coverage policies with similar limits, Ohio Mutual again has the edge, with policies about $80 a month less expensive than National Mutual, on average.

Is National Mutual or Ohio Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

Tickets and collisions will most likely raise your premiums, but is National Mutual or Ohio Mutual more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

National Mutual policyholders can expect their prices to go up an average of $11 per month if they get a ticket, while Ohio Mutual typically raises rates around $21 a month, on average.

However, Ohio Mutual has less expensive prices for drivers in both categories, offering premiums that are $47 and $37 more affordable, respectively, compared to National Mutual Insurance.

Which Company is Best for Drivers After an Accident?

National Mutual drivers who get in a collision can expect to see their rates climb by over $75, while those who have insurance through Ohio Mutual will see about a $40 increase.

Overall, Ohio Mutual offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $125 compared to National Mutual Insurance's $207.

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 speeding ticket or even an accident. On average, Ohio Mutual will raise your rates around 71% after a DUI, while National Mutual's average premiums rise by just under 60%.

If you have a DUI on your record and are looking for more affordable rates, Ohio Mutual tends to be the much cheaper option with average prices of $293 monthly compared to $325 from National Mutual.

How does Credit Score Impact National Mutual and Ohio Mutual Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance premiums. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive rates.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Ohio Mutual. Drivers with "excellent" credit can save over 20% compared to National Mutual, and those with "good" scores can also expect to see savings -- about $37 or 23% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Ohio Mutual typically offers lower premiums than National Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $68 per month less with Ohio Mutual compared to National Mutual, and those with "poor" scores generally save an average of about $65 a month.

Is National Mutual or Ohio Mutual 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 considerable impact on how much car insurance carriers will charge for coverage? Normally, the more miles you put on your vehicle, the more you can expect to pay for auto insurance.

In this case, neither National Mutual or Ohio Mutual report increasing prices for drivers with higher annual mileage figures. That being said, Ohio Mutual comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car every year, with average rates of $152 a month for both.

National Mutual vs. Ohio Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a big role in how much you pay for insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Ohio Mutual boasts the lowest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Ohio Mutual offers prices around $155 monthly compared to National Mutual's $214. People who live in suburban ZIP codes can expect to pay about $153 per month for Ohio Mutual and $201 for National Mutual. Lastly, those in rural areas tend to get the cheapest rates from both companies, with average monthly premiums coming in at $147 and $189 for Ohio Mutual and National Mutual respectively.

National Mutual vs. Ohio Mutual Discounts

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

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've broken down all of the different discounts offered by both National Mutual and Ohio Mutual so that you can see which carrier can save you the most money each month.

Overall, National Mutual has a slight advantage when it comes to total number of discounts. Ohio Mutual offers a grand total of 17 discounts, while National Mutual has 19.

Both carriers offer many of the same discounts -- like continuous insurance discounts, discounts for being a defensive driver, and paid in full discounts -- but National Mutual also offers claim free discounts, driver training discounts, education discounts, and more that Ohio Mutual does not.

On the flip side, Ohio Mutual has a couple unique discounts of its own -- ABS discounts, attentive driver discounts, distant student discounts, and more.

Final Thoughts: Is National Mutual or Ohio Mutual Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. But, when it comes down to it, is National Mutual or Ohio Mutual the right fit for you?

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

• You're single and purchasing car insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your auto insurance.

National Mutual might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between National Mutual and Ohio Mutual and that it aids in making a more informed decision about your car 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 auto insurance -- comparing quotes from a handful of carriers, not just National Mutual and Ohio Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

National Mutual vs. Ohio Mutual FAQs

Is National Mutual or Ohio Mutual cheaper?

Looking just at the national average rates, Ohio Mutual is the cheaper of the two carriers, offering average rates of $152 a month compared to $201 for National Mutual. Even so, Ohio Mutual won't necessarily be the lowest carrier for each policyholder, since there are multiple different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, National Mutual or Ohio Mutual?

Sadly, the answer truly is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do National Mutual and Ohio Mutual offer me different rates?

Auto insurance companies take a look at several different variables when calculating the prices they charge drivers. Things such as gender, where you park your vehicle, your driving record, age, and sometimes even things like your credit score can all be used. Both National Mutual and Ohio Mutual calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if National Mutual or Ohio Mutual is right for me?

The only way to find the car 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, 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 best premium. And who knows, the best carrier for you might not be National Mutual or Ohio Mutual 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.