Rurual Mutual vs. West Bend Mutual: Which Company is the Best Fit for You?

Quick Facts

• In general, West Bend Mutual offers significantly cheaper prices than Rurual Mutual
• Rurual Mutual has less expensive premiums for drivers who have an at-fault accident on their record
• West Bend Mutual offers more affordable rates for couples purchasing auto insurance together

Rurual Mutual vs. West Bend Mutual: 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 pretty big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Rurual Mutual or West Bend Mutual as your top options, but between the two, which one will offer you cheaper premiums?

As you can see, Rurual Mutual has average rates that are about 22% per month more expensive than those from West Bend Mutual when looking at the national average rates for insurance.

That being said, that doesn't mean West Bend Mutual will necessarily be less expensive than Rurual Mutual for every driver. Auto insurance companies vary their prices depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and tons of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Rurual Mutual or West Bend Mutual is really the best for you, keep reading to see average premiums for each company broken down by a range of different rate factors.

Rurual Mutual or West Bend Mutual: Average Car Insurance Rates by State

Rurual Mutual and West Bend Mutual only compete against each other in Wisconsin, where West Bend Mutual offers the cheaper average prices. For Wisconsin residents, West Bend Mutual offers car insurance for $121 per month on average. Rurual Mutual's average rates come out to be over 30% more expensive, at $167 a month.

That being said, there's a lot more that goes into your insurance bill than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group out there on the road. That's because young, inexperienced 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 premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have West Bend Mutual for their insurance pay nearly $10 less than those who use Rurual Mutual.

But both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Rurual Mutual policyholders decrease more than 55% and West Bend Mutual's prices reduce over 65% 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 most affordable rates out there.

When looking at Rurual Mutual and West Bend Mutual specifically, which carrier is best for retired drivers? West Bend Mutual gets the edge here, with average premiums coming in at around $92 monthly compared to Rurual Mutual's $135.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are typically more affordable for married couples than they are for single drivers? This usually boils down to married drivers having multiple cars on their policy -- something quite a few auto insurance companies will reward with discounts.

When it comes to relationship status, West Bend Mutual is the clear winner for those who are single, with rates about $27 a month cheaper than Rurual Mutual, on average. The advantage for married policyholders with West Bend Mutual is also obvious, where drivers save almost 35% per month.

Rurual Mutual vs. West Bend Mutual: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll generally end up paying more for insurance than women.

With Rurual Mutual, men normally pay more than $10 a month more than women, and around $16 more with West Bend Mutual.

Looking at the data for each company specifically, West Bend Mutual comes out on top for both men and women. On average, women save about $39 per month and men save about $34 with West Bend Mutual compared to the average Rurual Mutual policyholder.

Rurual Mutual or West Bend 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.

It's no secret that car insurance can be a complicated subject for most people. There are multiple different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

In this case, Rurual Mutual offers the lowest average premiums for state minimum liability limits, while West Bend Mutual has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with Rurual Mutual Insurance, while full coverage comes out to be around $80 more affordable with West Bend Mutual Insurance.

Is Rurual Mutual or West Bend Mutual Better for Drivers with Spotty Records?

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

You'll probably end up paying more with collisions and tickets on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Rurual Mutual policyholders can expect their premiums to go up an average of $10 a month if they get a ticket, while West Bend Mutual typically raises rates about $25 per month, on average.

Even so, West Bend Mutual is usually the less expensive option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $33 a month and drivers with a ticket can save about $18 per month with West Bend Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Rurual Mutual policyholders who get in an accident can expect to see their prices increase by just under 15%, while those who have insurance through West Bend Mutual will see around a 50% increase.

Overall, the cheaper rates come from Rurual Mutual, with monthly prices averaging $136 compared to West Bend Mutual Insurance's $163.

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 auto insurance bill -- normally a lot more than a collision or speeding ticket. Rurual Mutual drivers usually see a 59% raise in their car insurance premiums after a DUI charge, while West Bend Mutual will generally increase rates by about 50%.

If you have a DUI on your record and are looking for more affordable premiums, West Bend Mutual tends to be the much less expensive option with average prices of $169 per month compared to $288 from Rurual Mutual.

How does Credit Score Impact Rurual Mutual and West Bend Mutual Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly insurance rates. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for several drivers.

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

Looking at Rurual Mutual and West Bend Mutual specifically, which carrier has the best prices 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 Rurual Mutual or West Bend Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly car insurance cost. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

In this case, neither Rurual Mutual or West Bend Mutual report increasing premiums for drivers with higher annual mileage figures. Even so, West Bend Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average rates of $131 a month for both.

Rurual Mutual vs. West Bend Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly auto insurance payment. Typically, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, West Bend Mutual usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay around $113 monthly with West Bend Mutual and $158 with Rurual Mutual. People in suburban areas pay about $122 with West Bend Mutual compared to Rurual Mutual's $132 a month. For drivers in urban ZIP codes, West Bend Mutual's average prices are around $158 per month compared to Rurual Mutual's $211.

Rurual Mutual vs. West Bend Mutual 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, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

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

Below, we've taken a look at all of the different discounts Rurual Mutual and West Bend Mutual offer their customers so that you can see which company can save you the most money each month.

West Bend Mutual knocks Rurual Mutual out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Rurual Mutual.

There are a couple discounts both carriers offer, but West Bend Mutual also offers ABS discounts, advanced safety feature discounts, anti-theft discounts, and more that Rurual Mutual does not.

On the flip side, Rurual Mutual has a unique discount of its own -- a claim free discounts.

Final Thoughts: Is Rurual Mutual or West Bend Mutual 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 carrier is the best carrier for you, your vehicle, and your wallet?

West Bend Mutual might be best for you if....

• You're single and purchasing insurance by yourself.
• You're looking for more protection with "full coverage" car insurance.
• You are purchasing your insurance with a spouse.

Rurual Mutual might be best for you if...

• Your driving record contains an at-fault collision.
• You want basic auto insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Rurual Mutual and West Bend Mutual and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Rurual Mutual and West Bend 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 insurance companies in your area, all for free.

Rurual Mutual vs. West Bend Mutual FAQs

Is Rurual Mutual or West Bend Mutual cheaper?

Looking just at the national average rates, West Bend Mutual is the more affordable of the two carriers, offering average rates of $131 a month compared to $167 for Rurual Mutual. That being said, West Bend Mutual won't necessarily be the cheapest company for everyone, since there are a variety of different variables that come into play when it comes to your car insurance bill.

Who is better, Rurual Mutual or West Bend Mutual?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Rurual Mutual offers cheaper premiums for policyholders with an at-fault accident on their record, while West Bend Mutual is less expensive for drivers who have less-than-stellar credit scores.

Why do Rurual Mutual and West Bend Mutual offer me different rates?

Insurance companies take a look at a lot of different factors when calculating the prices they charge drivers. Things such as gender, age, your driving record, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Rurual Mutual and West Bend Mutual 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 several different carriers.

How do I know if Rurual Mutual or West Bend Mutual is right for me?

The only way to find the car insurance carrier 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 information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Rurual Mutual or West Bend 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.