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

Quick Facts

• In general, Western National offers significantly cheaper premiums than National Mutual
• National Mutual may help you save more money -- they offer more discounts than Western National Insurance Company
• Western National offers less expensive average prices for policyholders who live in rural neighborhoods

National Mutual or Western National: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to National Mutual or Western National as your top options, but between the two, which carrier will save you the most?

As you can see, Western National is around $47 a month cheaper than National Mutual when looking at the national average rates for auto insurance.

That being said, Western National may not be the lowest or best option for each driver out there. Insurance carriers use tons of complex algorithms to determine premiums, so depending on how old you are or where you live (among an array of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of National Mutual or Western National is really the best for you, keep reading to see average rates for each carrier broken down by a bunch of different rate factors.

National Mutual vs. Western National: Average Car Insurance Rates by State

National Mutual and Western National only compete against each other in one states, with Western National offering more affordable premiums to the average driver in all of them. Iowa has the most noticable difference, where Western National rates are $87 less expensive than car insurance prices at National Mutual.

There are plenty of other factors that go into your insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group on the road. That's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Western National save over 35% per month compared to those who use National Mutual.

But with both companies, you'll see your prices reduce significantly by the time drivers turn 25. For example, average rates for National Mutual policyholders lower about $300 and Western National's premiums decrease almost $150 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at National Mutual and Western National specifically, which company is best for retired drivers? Western National gets the edge here, with average prices coming in at around $109 monthly compared to National Mutual's $134.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally more expensive for single drivers than they are for married drivers? This usually boils down to married couples having more than one vehicle on their policy -- something a lot of insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Western National rates coming in at a quarter less than National Mutual's. The advantage for married policyholders with Western National is also obvious, where drivers save more than 15% a month.

National Mutual or Western National: Average Rates by Gender

Did you know men typically pay more for auto insurance than women? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher premiums.

With National Mutual, women normally pay about $20 per month less than men, and around $15 with Western National.

Looking at overall affordability, Western National comes out on top for both men and women, with average rates 24% less for men and 23% cheaper for women.

National Mutual 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.

Insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Western National has the significant edge, with average monthly premiums 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 about $248 a month to National Mutual's $308.

Is National Mutual 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 car 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 speeding tickets and at-fault accidents on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Western National auto insurance policies don't report seeing their rates increase after getting a ticket, but National Mutual policyholders can expect to see their monthly bill increase by.

However, National Mutual has cheaper premiums for drivers in both categories, offering prices that are $23 and $12 less expensive, respectively, compared to Western National Insurance Company.

Which Company is Best for Drivers After an Accident?

National Mutual drivers who get in a collision can expect to see their rates rise by over 35%, while those who have insurance through Western National will see around a 0% increase.

At the end of the day, Western National offers the most affordable premiums for drivers with an at-fault collision on their records, with average prices coming in at $154 compared to National Mutual Insurance's $207.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than an accident or speeding ticket. National Mutual drivers usually see a 60% increase in their insurance rates after a DUI charge, while Western National will usually raise prices by about 0%.

But if you end up with a DUI charge and are looking for more affordable premiums, Western National tends to be more affordable for the average driver, with monthly premiums coming in at around $154 to National Mutual's $325.

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

Did you know many auto insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for many policyholders.

The reasoning car insurance companies 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 less expensive premiums.

Looking specifically at National Mutual and Western National, which one has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Western National will normally reward you the most. For drivers with "excellent" credit scores, Western National comes in nearly 44.44 cheaper. Drivers with "good" credit scores generally save about 29% with Western National compared to average premiums from National Mutual.

Which Company is Best for Drivers with Bad Credit?

Western National typically offers lower prices than National Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 30% per month less with Western National compared to National Mutual, and those with "poor" scores usually save an average of about 6% per month.

Is National Mutual 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 bill. Normally, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing a collision 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 National Mutual charges. However, there's a small difference in monthly premiums for Western National, with drivers who put 6,000 miles on their vehicle annually paying around $4 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Western National is the cheaper carrier.

National Mutual or Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for car insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the road where they live, which decreases the chances of an accident.

When comparing these two carriers side-by-side, Western National typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Western National Insurance Company's average premiums are about $37 less than National Mutual Insurance. People who live in suburban areas pay around $74 less with Western National compared to National Mutual. Those in rural areas can expect to save about $31 with Western National compared to National Mutual.

National Mutual vs. Western National Discounts

No matter why you might be in the market for a new auto 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 insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts National Mutual and Western National offer their customers so that you can see which company can save you the most money each month.

National Mutual blows Western National away when it comes to the sheer amount of discounts available, offering 19 different discounts to Western National's 12.

Both companies offer several of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but National Mutual also offers discounts for advance quote, claim free, continuous insurance, 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, distant student discounts, and more.

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

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best fit for you?

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

• You want to save money on your insurance after an accident.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower rates.

National Mutual might be best for you if...

• You haven't received any speeding tickets or been in a collision in the last few years.
• You have a speeding ticket on your driving record.
• You care about discounts (National Mutual offers the most).

Hopefully, this guide helps you get a good idea of the differences between National Mutual 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 best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just National Mutual and Western National. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

National Mutual vs. Western National FAQs

Is National Mutual or Western National cheaper?

Western National is the more affordable of the two carriers when looking at national average premiums, with policies averaging $154 a month with Western National and $201 for National Mutual. But that doesn't mean Western National will be the most affordable carrier for everyone, since there are multiple different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, National Mutual or Western National?

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

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

Car insurance companies use quite a few different variables when calculating the prices they charge. Factors like where you park your vehicle, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both National Mutual and Western National calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the auto 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, 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 carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't National Mutual 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.