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

Quick Facts

• In general, West Bend Mutual offers cheaper rates than Western National
• West Bend Mutual offers less expensive average premiums for residents of rural areas
• Western National tends to be a much more affordable option for drivers with a DUI charge on their record

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

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering West Bend Mutual or Western National as potential options, but which company will offer you less expensive rates?

As you can see, West Bend Mutual has average rates that are about 15% per month cheaper than those from Western National when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean West Bend Mutual will be the more affordable option for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things), so prices will differ quite a bit from person to person.

Wanting to know if West Bend Mutual or Western National 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.

West Bend Mutual or Western National: Average Car Insurance Rates by State

West Bend Mutual and Western National only compete against each other in three states, with West Bend Mutual offering cheaper rates to the average driver in all of them. If you live in Minnesota, Western National is the less expensive of the two carriers when looking at the overall average prices. West Bend Mutual is the more affordable option in Iowa and Wisconsin.

There's a lot more that goes into your insurance bill than just the state you live in. Read on to learn 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. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Western National for their car insurance pay more than $20 less than those who use West Bend Mutual.

But both companies will drop premiums once you turn 25. For example, average rates for West Bend Mutual policyholders lower over $200 and Western National's prices reduce nearly $150 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 cheapest rates you'll ever see.

So, which company offers the best premiums to retired drivers? West Bend Mutual gets the edge here, with average prices coming in at around $92 monthly compared to Western National's $109.

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 policyholders having multiple cars on their policy -- something lots of car insurance carriers will reward with discounts.

When it comes to relationship status, the two companies are comparable for single policyholders, with rates only differing about $13 a month, on average. But for married couples, the advantage is clear - West Bend Mutual has the edge when it comes to average prices.

West Bend Mutual vs. Western National: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will normally end up paying a little more.

With West Bend Mutual, men usually pay more than 10% more per month than women., and almost 10% with Western National.

When it comes to the most affordable rates for each gender, West Bend Mutual comes out on top for both men and women, with average premiums 14% less for men and 16% cheaper for women.

West Bend 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.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and terms 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 and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

In this case, Western National offers the lowest average rates for state minimum limits for liability insurance, 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 $15 with Western National Insurance Company, while full coverage comes out to be around $60 cheaper with West Bend Mutual Insurance.

Is West Bend Mutual or Western National 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 accidents will most likely raise your premiums, but is West Bend Mutual or Western National less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Western National car insurance policies don't report seeing their prices increase after getting a ticket, but West Bend Mutual policyholders can expect to see their monthly bill increase by about $25.

That being said, West Bend Mutual is typically the more affordable option for both drivers who have clean records and those with a recent ticket, offering rates that are 45% and 29% less expensive, respectively, compared to Western National Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with West Bend Mutual increasing by just under $80. Western National has a less extreme increase, but you can still expect to pay $0 more than you were prior to your first collision.

Overall, Western National offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $154 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 insurance bill -- normally a lot more than a collision or speeding ticket. West Bend Mutual drivers usually see a 50% climb in their car insurance prices after a DUI charge, while Western National will usually raise premiums by around 0%.

If you have a DUI on your record and are looking for more affordable prices, Western National tends to be the much more affordable option with average rates of $154 per month compared to $169 from West Bend Mutual.

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

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it might come into play for many drivers.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper premiums.

So, which carrier offers the most affordable rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Western National. Policyholders with "excellent" credit can save just under 30% compared to West Bend Mutual, and those with "good" scores can also expect to see savings -- about $1 or 1% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

West Bend Mutual typically offers lower prices than Western National when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $21 a month less with West Bend Mutual compared to Western National, and those with "poor" scores typically save an average of about $98 a month.

Is West Bend 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 pretty big impact on your monthly premiums? Generally, the more miles you put on your vehicle, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much West Bend Mutual charges. However, there's a small difference in monthly rates for Western National, with drivers who put 6,000 miles on their car annually paying around $4 less each month compared to those who drive 12,000 miles yearly. Still, West Bend Mutual is the cheaper option for drivers in both categories.

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

Where your home is can have a large impact on your monthly auto insurance cost. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

When comparing these two companies side-by-side, West Bend Mutual generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, West Bend Mutual's average prices are about $158 per month compared to Western National's $177. People in suburban areas pay around $122 with West Bend Mutual compared to Western National's $127 per month. If you live in a rural area, you can expect to pay about $113 monthly with West Bend Mutual compared to Western National's $158.

West Bend Mutual vs. Western National Discounts

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

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the section below, we've compared all of the different discounts offered by West Bend Mutual and Western National so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, West Bend Mutual comes out ahead with 16 discounts to Western National's 12.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. West Bend Mutual also offers ABS discounts, advanced safety feature discounts, excess vehicle discounts, and more that Western National does not.

On the flip side, Western National has a couple unique discounts of its own -- corporate discounts, COVID-19 relief discount, discounts for getting driver training, and more.

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

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which company is the right carrier for you and your specific needs?

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

• You've been pulled over for speeding recently.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles every year.

Western National might be best for you if...

• You have a DUI charge on your record.
• Your credit score is high.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare West Bend Mutual and Western National. We also hope we've given you the information you need to make the best 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 a handful of carriers, not just West Bend Mutual and Western National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

West Bend Mutual vs. Western National FAQs

Is West Bend Mutual or Western National 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 $154 for Western National. However, West Bend Mutual won't necessarily be the lowest carrier for everyone, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, West Bend Mutual or Western National?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for each driver -- it all boils down to your unique car insurance profile. For example, Western National offers less expensive prices for drivers with an at-fault collision on their record, while West Bend Mutual is more affordable for drivers who have less-than-stellar credit scores.

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

Auto insurance companies take a look at a lot of different factors when calculating the rates they charge policyholders. Variables such as age, your driving record, gender, where you live, and sometimes even things like your credit score can all be used. Both West Bend Mutual and Western National calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be West Bend 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.