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

Quick Facts

• In general, Western National offers slightly less expensive premiums than Rurual Mutual
• Rurual Mutual has more affordable prices for drivers who have received a ticket within the last few years
• Western National tends to be a much cheaper option for drivers with a DUI charge on their record

Rurual Mutual vs. Western National: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Rurual Mutual or Western National as potential options, but which one will save you the most?

Looking at the national average rates for both companies, Western National is about $13 per month more affordable than Rurual Mutual.

However, that doesn't mean Western National will necessarily be less expensive than Rurual Mutual for each driver. Auto insurance carriers vary their premiums depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a variety of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Rurual Mutual or Western National: Average Car Insurance Rates by State

Rurual Mutual and Western National only compete against each other in Wisconsin, where Rurual Mutual offers the cheaper average prices. For Wisconsin residents, undefined offers insurance for undefined a month on average. undefined's average premiums come out to be more expensive, at undefined per month.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies calculate your rates. 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 prices of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean that teen drivers have to just accept sky-high insurance rates. Just look at the table above -- where 18-year-old drivers who have Western National for their auto insurance pay $30 less than those who use Rurual Mutual.

Even so, both carriers will decrease premiums by the time you turn 25. Western National offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Rurual Mutual still has the cheapest rates at $144 monthly.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you can find.

But who has the best prices for retired drivers between Rurual Mutual and Western National? Western National gets the edge, with rates for drivers 65 and older $26 more affordable than the national average for Rurual Mutual.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance prices than married couples. That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

If you're in the market for car insurance, Western National tends to have the lowest average premiums regardless of if you're married or single, with prices nearly $15 cheaper for single policyholders and more than $10 less expensive for married policyholders.

Rurual Mutual vs. Western National: Average Rates by Gender

Because men are more likely to get into accidents and get tickets, they run a larger risk of filing a claim with insurance. Therefore, men generally pay more for auto insurance than women.

On average, women see rates around $10 a month more affordable with Rurual Mutual, and about $15 with Western National.

Looking at overall affordability, Western National comes out as the cheapest option for both genders, with average premiums 7% less for men and 9% cheaper for women.

Rurual Mutual or 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.

Car insurance can be a complicated subject for most people. 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 that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Western National usually offers cheaper prices of $60 compared to Rurual Mutual's $67. When it comes to full coverage policies with similar limits, Western National again has the edge, with policies around $20 per month less expensive than Rurual Mutual, on average.

Is Rurual Mutual or Western National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies 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 accidents and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National car insurance policies don't report seeing their prices increase after getting a ticket, but Rurual Mutual policyholders can expect to see their monthly bill increase by about $10.

That being said, Rurual Mutual is typically the more affordable option for both drivers who have clean records and those with a recent ticket, offering premiums that are 24% and 18% cheaper, respectively, compared to Western National Insurance Company.

Which Company is Best for Drivers After an Accident?

Rurual Mutual policyholders who get in a collision can expect to see their rates increase by just under $20, while those who have insurance through Western National will see around a $0 increase.

Overall, the less expensive prices come from Rurual Mutual, with monthly premiums averaging $136 compared to Western National Insurance Company's $154.

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 speeding ticket when it comes to your insurance bill. On average, Rurual Mutual will raise your rates about 59% after a DUI, while Western National's average prices rise by 0%.

If you have a DUI on your record and are looking for more affordable rates, Western National tends to be the much cheaper option with average prices of $154 per month compared to $288 from Rurual Mutual.

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

Did you know that many auto insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for quite a few drivers.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Rurual Mutual and Western National specifically, 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 Rurual Mutual or Western National 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 how much auto insurance carriers will charge for coverage? Normally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rurual Mutual charges. However, there's a small difference in monthly prices for Western National, with policyholders who drive 6,000 miles annually paying around $4 less each month compared to those who drive 12,000 miles every year. Still, Western National is the more affordable option for drivers in both categories.

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

Where you live can have a considerable impact on your monthly insurance cost. Generally, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer vehicles on the road in those areas, which reduces the chances of an accident.

Rurual Mutual vs. Western National Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

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

In the table below, we've taken a look at all of the different discounts Rurual Mutual and Western National offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both companies offer, but Western National also offers anti-theft discounts, corporate discounts, COVID-19 relief discount, and more that Rurual Mutual does not.

On the flip side, Rurual Mutual has a couple unique discounts of its own -- claim free discounts, group discounts, and paid in full discounts.

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

So, we've broken down the average premiums for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, which carrier is the right one for you, your vehicle, and your wallet?

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

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Rurual Mutual might be best for you if...

• You've been pulled over for speeding recently.
• You want to save money on your insurance after a collision.
• You live in a rural area.

We hope this guide helps you get a good idea of the differences between Rurual Mutual and Western National and that it aids in making a more informed decision about 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 Rurual Mutual and Western National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Rurual Mutual vs. Western National FAQs

Is Rurual Mutual or Western National cheaper?

Looking just at the national average prices, Western National is the cheaper of the two companies, offering average rates of $154 a month compared to $167 for Rurual Mutual. Even so, Western National won't necessarily be the cheapest company for each driver, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Rurual Mutual or Western National?

Sadly, the real answer is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

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

Insurance carriers take a look at many different factors when determining the rates they charge policyholders. Variables like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Rurual Mutual and Western National calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies 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 Western National 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.