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

Quick Facts

• Looking at the national averages for insurance, Western Reserve Group offers slightly more affordable premiums than Ohio Mutual
• Ohio Mutual offers cheaper average rates for drivers who have received a ticket within the last few years
• Western Reserve Group tends to be a much more affordable option for drivers who have an at-fault accident on their record

Ohio Mutual vs. Western Reserve Group: Which Company has the Cheapest Car Insurance?

Are you considering 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 your search down to Ohio Mutual or Western Reserve Group for your next policy, but between the two, which carrier will offer you less expensive premiums?

Looking at nationwide averages, Western Reserve Group is about $15 per month cheaper than Ohio Mutual.

Even so, that doesn't necessarily mean Western Reserve Group will be the more affordable option for every single driver. Car insurance companies use a variety of complex algorithms to calculate rates, so depending on how old you are or where you live (among a variety of other factors), you could see wildly different prices from the ones above.

Wanting to know if Ohio Mutual or Western Reserve Group 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.

Ohio Mutual or Western Reserve Group: Average Car Insurance Rates by State

Ohio Mutual and Western Reserve Group only compete against each other in Ohio, where Western Reserve Group offers the cheaper average rates. For Ohio residents, Western Reserve Group offers insurance for $109 a month on average. Ohio Mutual's average prices come out to be over 30% more expensive, at $152 per month.

That being said, there are plenty of other factors that go into your auto insurance cost than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of nearly $30 less a month by choosing Western Reserve Group over Ohio Mutual.

However, both carriers will reduce rates by the time you turn 25. Western Reserve Group offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Ohio Mutual's average prices lower around 50% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

But who has the best premiums for retired drivers between Ohio Mutual and Western Reserve Group? Western Reserve Group gets the slight edge, with prices for drivers 65 and older about 6% less expensive than the national average for Ohio Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be cheaper for married couples than they are for single policyholders. This usually boils down to married policyholders having more than one car on their policy -- something a lot of insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for those who are single, with premiums only differing around $15 per month, on average. But for married drivers, the advantage is clear - Western Reserve Group has the edge when it comes to average prices.

Ohio Mutual vs. Western Reserve Group: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll typically end up paying more for car insurance than women.

Women normally pay about 5% a month less than men with Ohio Mutual, but surprisingly, with Western Reserve Group, women usually pay around 1% more per month than men.

When it comes to the most affordable rates for each gender, Western Reserve Group offers the lowest average prices for both men and women. On average, women save about $10 a month and men save about $20 with Western Reserve Group compared to the average Ohio Mutual policyholder.

Ohio Mutual or 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.

For most people, insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

That being said, 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 a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

In this case, Ohio Mutual offers the most affordable average premiums for state minimum limits for liability insurance, while Western Reserve Group has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $20 with Ohio Mutual Insurance Company, while full coverage comes out to be around $50 less expensive with Western Reserve Group.

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

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your rates, but is Ohio Mutual or Western Reserve Group more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Ohio Mutual policyholders can expect their prices to go up an average of $21 per month if they get a ticket, while Western Reserve Group generally raises rates about $34 a month, on average.

But Ohio Mutual has cheaper premiums for drivers in both categories. Drivers with a clean record can save around $4 per month and drivers with a speeding ticket can save about $17 a month with Ohio Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Ohio Mutual raising by over $40. Western Reserve Group has a less extreme raise, but you can still expect to pay more than $30 more than you were prior to your first accident.

Overall, Western Reserve Group offers the lowest prices for drivers with an at-fault collision on their records, with monthly premiums averaging $120 compared to Ohio Mutual Insurance Company's $125.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. For example, Ohio Mutual increases average prices by over $200 per month -- that's over a 70% increase.

If you have a DUI on your record and are looking for more affordable premiums, Western Reserve Group tends to be the much less expensive option with average rates of $218 monthly compared to $293 from Ohio Mutual.

How does Credit Score Impact Ohio Mutual and Western Reserve Group Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance prices. This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it does affect several policyholders out there.

The reasoning car insurance carriers 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 cheaper premiums.

Looking specifically at Ohio Mutual and Western Reserve Group, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Ohio Mutual or Western Reserve Group 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 large impact on your monthly premiums? That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

In this case, neither Ohio Mutual or Western Reserve Group report increasing rates for drivers with higher annual mileage figures. Still, Western Reserve Group comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $137 a month for both.

Ohio Mutual vs. Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

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

Drivers in rural ZIP codes see the cheapest prices from both companies, but Western Reserve Group comes out on top with average premiums around $125 a month. Western Reserve Group also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a $8 and $14 per month respective difference when compared to Ohio Mutual drivers in similar areas.

Ohio Mutual vs. Western Reserve Group Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging 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 table below, we've broken down all of the different discounts offered by both Ohio Mutual and Western Reserve Group so that you can see which carrier can save you the most money each month.

Ohio Mutual knocks Western Reserve Group out of the park when it comes to the sheer number of discounts available, offering six more discounts than Western Reserve Group.

A couple of those are overlapping for things like advance quote discounts, anti-theft discounts, and distant student discounts. Ohio Mutual also offers ABS discounts, attentive driver discounts, continuous insurance discounts, and more that Western Reserve Group does not.

On the flip side, Western Reserve Group has a couple unique discounts of its own -- agency transfer discounts, company car discounts, discounts for being a homeowner, and more.

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

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the right company for you and your specific profile and needs?

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

• You're single and purchasing auto insurance by yourself.
• You're looking for more protection with "full coverage" car insurance.
• You drive often but have a short commute.

Ohio Mutual might be best for you if...

• You have received a ticket within the last few years.
• You want to save extra money with discounts.
• You want basic insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Ohio Mutual and Western Reserve Group and that you can now make a more informed 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 a handful of companies, not just Ohio Mutual and Western Reserve Group. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Ohio Mutual vs. Western Reserve Group FAQs

Is Ohio Mutual or Western Reserve Group cheaper?

Looking just at the national average rates, Western Reserve Group is the cheaper of the two companies, offering average rates of $137 a month compared to $152 for Ohio Mutual. Even so, Western Reserve Group won't necessarily be the lowest carrier for each driver, since there are several different factors that are considered when it comes to your car insurance payment.

Who is better, Ohio Mutual or Western Reserve Group?

Sadly, the real answer is "it depends.". No single company is "better" for every driver -- it all comes down to what your unique insurance profile looks like. For example, Western Reserve Group offers less expensive prices for drivers with a recent DUI, while Ohio Mutual is more affordable for drivers with excellent credit.

Why do Ohio Mutual and Western Reserve Group offer me different rates?

Auto insurance carriers take a look at many different variables when calculating the premiums they charge policyholders. Things like your driving record, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Ohio Mutual and Western Reserve Group use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers 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 free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Ohio Mutual or Western Reserve Group 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.