State National vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Workmen's Auto offers slightly less expensive prices than State National
• State National offers more affordable rates for policyholders who have a clean record
• Workmen's Auto has more affordable prices for policyholders who drive fewer than 6,000 miles every year

State National or Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to State National or Workmen's Auto as your top options, but between the two, which one will offer you cheaper premiums?

Looking at nationwide averages, State National is around $8 more a month than Workmen's Auto.

That being said, Workmen's Auto may not be the lowest or best option for every driver out there. Insurance carriers use a variety of complex algorithms to determine rates, so depending on where you live or how clean your driving record is (among a bunch of other factors), you could see wildly different premiums from the ones above.

Wanting to know if State National or Workmen's Auto 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.

State National vs. Workmen's Auto: Average Car Insurance Rates by State

Both State National and Workmen's Auto only offer auto insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. Workmen's Auto drivers tend to pay about $8 per month less on average compared to drivers who use State National for their car insurance.

Typically, your home state will play a big role in how much you pay for auto insurance, but since both companies only do business in California, a multitude of other variables will come into play when you compare State National and Workmen's Auto. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of 1% less a month by choosing State National over Workmen's Auto.

But with both companies, you'll see your premiums decrease significantly by the time you turn 25. For example, average rates for State National policyholders reduce about $150 and Workmen's Auto's prices lower around $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

So, which company offers the best prices to retired drivers? In this case, State National has the slight edge, with premiums about $6 per month less than Workmen's Auto. However, the difference is only around 5%, so other variables (like where you live or your credit score) will likely come into play when determining which carrier has the lowest prices for you.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are normally more affordable for married drivers than they are for single policyholders? That's generally because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

If you're in the market for car insurance, Workmen's Auto tends to have the most affordable average rates regardless of if you're married or single, with prices over $10 cheaper for married couples and about $6 less expensive for those who are single.

State National or Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding. That means when it comes to insurance men will usually end up paying a little more.

Women and men get the same monthly premiums with State National; and with Workmen's Auto, both genders end up paying the same monthly price.

Looking at the data for each company specifically, Workmen's Auto comes out as the cheapest option for both genders, with average rates $8 less for men and $8 cheaper for women.

State National vs. Workmen's Auto: 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 pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which typically refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Workmen's Auto has the edge, with average monthly prices coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging around $235 a month to State National's $240.

Is State National or Workmen's Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- State National or Workmen's Auto -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use State National for their auto insurance can usually expect their monthly bill to go up about 28% after getting a speeding ticket. Workmen's Auto policyholders can expect a less drastic increase of around 23%.

That being said, State National tends to offer the best prices for drivers both with a ticket and with a clean record. With State National, drivers with a clean record can save about $9 per month and drivers with a speeding ticket can save around $3 a month.

Which Company is Best for Drivers After an Accident?

State National drivers who get in a collision can expect to see their prices rise by just under 30%, while those who have insurance through Workmen's Auto will see about a 30% increase.

At the end of the day, drivers who use State National end up with the cheaper prices after an accident, with average rates coming in at $142 compared to Workmen's Auto Insurance's $156.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. On average, State National will raise your premiums around 60% after a DUI, while Workmen's Auto's average prices increase by more than 40%.

But if you end up with a DUI charge and are looking for more affordable premiums, Workmen's Auto tends to be more affordable for the average driver, with monthly premiums coming in at about $191 to State National's $252.

How does Credit Score Impact State National and Workmen's Auto Rates?

Did you know many auto insurance carriers take your credit score into account when determining prices? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it does affect lots of policyholders out there.

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

Looking at State National and Workmen's Auto specifically, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is State National or Workmen's Auto 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 prices. Normally, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Workmen's Auto tends to be the less expensive option. State National's average rates for drivers with 6,000 annual miles come in $15 more expensive than Workmen's Auto. Those who drive 12,000 miles yearly can expect to pay $3 more with State National over Workmen's Auto.

State National or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a sizable impact on your monthly auto insurance payment. Generally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Workmen's Auto tends to offer the cheapest option for drivers in urban and suburban areas, while State National wins in rural areas.

Those in rural areas can expect to save around $6 with State National compared to Workmen's Auto. People who live in suburban areas pay about $9 less with Workmen's Auto compared to State National. For drivers in urban ZIP codes, Workmen's Auto Insurance's average rates are around $24 less than State National.

State National vs. Workmen's Auto Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both State National and Workmen's Auto so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

State National blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 10 different discounts to Workmen's Auto's four.

A couple of those are overlapping for things like discounts for being a good driver, mature driver discounts, and renewal discounts. State National also offers discounts for anti-theft, auto-pilot, distant student, and more.

On the other hand, Workmen's Auto has a proprietary discount of their own -- a driver-vehicle combination discounts.

Final Thoughts: Is State National or Workmen's Auto Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best carrier for you and your specific driver profile?

Workmen's Auto might be best for you if....

• You're looking for the best premiums on liability only coverage.
• You want the most robust protection via a "full coverage" policy.
• You don't spend much time in your car.

State National might be best for you if...

• You've been pulled over for speeding recently.
• You care about discounts (State National offers the most).
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between State National and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just State National and Workmen's Auto. 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 top auto insurance carriers in your area, all in just a few minutes.

State National vs. Workmen's Auto FAQs

Is State National or Workmen's Auto cheaper?

Workmen's Auto is the cheaper of the two companies when looking at national average rates, with policies averaging $151 per month with Workmen's Auto and $159 for State National. But that doesn't mean Workmen's Auto will be the lowest carrier for every driver, since there are a variety of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, State National or Workmen's Auto?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for each policyholder -- it all comes down to what your unique insurance profile looks like. For example, State National is less expensive for drivers who have already retired, while Workmen's Auto offers more affordable premiums for single policyholders.

Why do State National and Workmen's Auto offer me different rates?

Auto insurance carriers use many different factors when calculating the rates they charge. Variables like age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both State National and Workmen's Auto calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if State National or Workmen's Auto is right for me?

The only way to find the 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 quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't State National or Workmen's Auto 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.