Updated: June 3, 2026
Advertising & Editorial Disclosure
Western National ranks 23rd for full coverage affordability and 12th for minimum liability coverage with average rates of $142 and $43 monthly, respectively.
Western National ranks 16th nationwide for overall customer satisfaction, reflecting average agent service scores and mixed forum reviews from policyholders.
Western National ranks third nationwide for coverage options, with add-ons like accident forgiveness and new car replacement coverage.
Western National ranks 16th overall nationally, placing it in the moderately strong category among best car insurance companies. The company does well with coverage options and customer experience.
But this ranking reflects data for a 40-year-old male driver with good credit and no driving violations. Western National's position for your specific situation will vary based on your individual profile and coverage requirements.
| Overall Score | 4.31 | 16 |
| Customer Experience | 4.4 | 16 |
| Coverage | 4.66 | 3 |
| Affordability | 4.21 | 21 |
Western National works best for drivers with a DUI, those with accidents or speeding tickets, adult drivers seeking affordable coverage and drivers with older cars. You shouldn't consider this insurer if you have bad credit or drive a newer vehicle.
| Overall Score | 4.42 | 7 |
Western National car insurance costs range from $31 to $970 monthly, depending on your profile and coverage needs. To help you make the best decision, we've broken down national costs by age group, gender, coverage, credit score and driving record.
| $224 | $2,692 | -19% | 12 |
Western National ranks among the cheapest car insurance companies for drivers with DUIs. But most other drivers, including young drivers, seniors and those with speeding tickets, will find Western National much more expensive.
| Adult Drivers | $41 | $140 | 7% | 21 |
| Drivers With a DUI | $41 | $140 | -43% | 3 |
| Drivers With an Accident | $41 | $140 | -25% | 8 |
| Drivers With a Speeding Ticket | $41 | $140 | -12% | 13 |
| Drivers With Bad Credit | $95 | $313 | 19% | 30 |
| Drivers With Low Income | $56 | $183 | 10% | 25 |
| Drivers With Newer Cars | $60 | $205 | 17% | 27 |
| Drivers With Old Cars | $35 | $119 | 3% | 19 |
| Senior Drivers | $56 | $185 | 15% | 24 |
| Young Drivers | $87 | $294 | -0% | 19 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Western National offers 9 car insurance discounts, with average savings of up to 10% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Variable | Must have auto and homeowners insurance with Western National on the same policy | Available in all operating states |
Multi-Car | Variable | 2+ vehicles on policy with liability coverage at same address | Available in all operating states |
Good Student | Variable | Students under 25, full-time enrollment, upper 20% of class or 'B' average (3.0+ GPA). Continues until age 25 after graduation. | Available in all operating states |
Distant Student | Variable | Student 100+ miles from home attending school, no car at school | Available in all operating states |
Anti-Theft Devices | Variable | Vehicle equipped with manufacturer or dealer-installed self-activating anti-theft device | Available in all operating states |
Company Car | Variable | Corporate car for personal or business use | Available in all operating states |
Customer Loyalty | Up to 10% | Available after first renewal, increases to up to 10% by ninth year of renewal | Available in all operating states |
Defensive Driving | Variable | Driver 55 years or older who completes approved defensive driving course | Available in all operating states |
Family Discount | Variable | Family members with cars on different Western National policies (comparable to multi-car discount) | Available in all operating states |
Western National ranked 16th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight that the company excels in agent service quality, but the digital experience receives mixed feedback.
Claims handling appears to be the area generating the most customer complaints. Below, we break down the buying, policy management and claims process experiences based on our research.
Western National customers generally report competitive rates and appreciate the company's "penalty-free promise" that guarantees no rate increases after accidents or violations - a unique feature offered for over 50 years.
Customers praise the variety of discounts available and bundling options. "Western National has continued to give us the best rate throughout the last few years. They have beat the competition." But availability is limited to six Midwestern states, and some customers mention frequent rate increases without clear justification.
Some customers appreciate working with independent agents who are "wonderful to work with and easy to get a hold of to make new changes." Others report difficulties reaching agents and inconsistent service quality, with some describing agents as "rude" and the company as not caring about customers.
Western National offers 24/7 claims reporting and has received some positive feedback from customers who experienced smooth claim resolution. The company maintains a very low complaint volume with the Better Business Bureau (only three complaints in three years), suggesting generally satisfactory claims handling for most customers.
Some customers complain that there are prolonged settlement delays, with one customer stating they've been "attempting to settle a claim for the replacement of my fence for nearly two YEARS."
Other customers describe being turned down on first claims despite long-standing relationships, with one reviewer noting: "Never had a claim. We have two homes, a business and three cars with them. And they turn us down on the first claim.
Western National ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Western National's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aa | aaa to d | Very high credit quality |
S&P Global Financial Strength | NR | AAA to D | No S&P rating available |
Moody's Financial Strength | NR | Aaa to C | No Moody's rating available |
J.D. Power Auto Claims Satisfaction | NR | 1,000-point scale | Not included in J.D. Power claims studies |
J.D. Power Digital Service Experience | NR | 1,000-point scale | Not included in J.D. Power digital service studies |
J.D. Power Auto Insurance Shopping Study | NR | Out of 1,000 | Not included in J.D. Power shopping studies |
J.D. Power Overall Customer Satisfaction | NR | Out of 1,000 | Not included in J.D. Power customer satisfaction studies |
NAIC Auto Complaints | NR | 1.00 is average | No NAIC complaint data available |
Reddit users and forum members report mixed experiences with Western National car insurance, with satisfaction largely tied to local agent quality and claims complexity. Despite over 115 years in the business and strong financial ratings, service delivery varies across its regional footprint.
Complaints center on claims processing delays, difficulty reaching corporate support and inconsistent service. Rate increases and coverage limitations also come up often in customer feedback.
Here's what real customers are saying about their experiences:
Customer experiences with pricing show mixed results, with some praising competitive rates while others face frequent increases:
"Billing department is decent to deal with. However, underwriting and the agents that write for Western National are rude. The company doesn't care about the customer or even try to work with them, not to mention the frequent rate increases."
"Western National has continued to give us the best rate throughout the last few years. They have beat out the competition. The insurance agent has been wonderful to work with and easy to get a hold of to make new changes."
Claims handling represents the most polarizing aspect of Western National's service, with experiences varying:
"Don't take a chance on Western National; look elsewhere. I have been attempting to settle a claim for the replacement of my fence (parts are no longer available) for nearly 2 YEARS. Western National arbitrarily imposed multiple deductibles on my policy under the same event in 2021."
"Worst insurance company ever. Never had a claim. We have two homes, a business and three cars with them. And they turn us down on the first claim. Plus. Had to chase them down. Their response was 'only so many hours in the day'. And 'we are busy'. Avoid this group."
Customer service experiences vary between local agents and corporate support:
"I tried calling their claims department multiple times and kept getting sent to voicemail. No one ever called me back."
"My agent goes above and beyond answering all my policy questions thoroughly and making sure I get discounts I qualify for."
Western National's digital platforms receive mixed reviews from customers:
"Website is useless. Tries to force you to log in constantly but doesn't recognize user ID. Waste of time."
"They have online tools and a mobile app for managing policies. This makes it easy to file claims or change your coverage. It shows they care about making things easy for you."
Customer trust varies based on individual experiences, with some questioning the company's commitment to policyholders:
"A criminal enterprise who collects premiums from customers and then when it comes time to pay out claims, they suddenly lose or misplace, or blame the policy holder for not having the proper coverage. In either case, Western National should be put on watch by the Department of Insurance."
"Founded in 1945, Western National uses decades of claims data. This helps shape policy choices. They offer tailored coverage with flexible deductibles and endorsements like new car replacement and roadside assistance."
Customers generally appreciate Western National's coverage options and flexibility:
"Western National's auto insurance includes basic liability, collision, and comp coverages. Comp covers damage from weather, theft, and vandalism. You can choose how much coverage you want based on your needs and budget. You can also add extra features like roadside help, rental car payback, and new car replacement."
"Western National has a penalty-free promise that guarantees customers they won't have to pay a higher rate after an accident or violation. This promise has been offered to their auto insurance policyholders for more than 50 years."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Western National provides standard coverage options like other major insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Roadside Assistance | Emergency roadside services including towing, flat tire assistance, locksmith services, and rental vehicle service during repair time | 24/7 availability; endorsed by Highway Emergency Loss Protection (H.E.L.P.) |
Pet Injury Coverage | Covers veterinary expenses if your pet is injured in a covered auto accident | Up to $1,000 coverage limit; automatic inclusion with no additional deductible |
Rental Reimbursement | Pays for rental car expenses while your vehicle is being repaired after a covered claim | Up to $30 per day coverage; available for collision and comprehensive claims |
New Car Replacement | Provides replacement cost for a new vehicle if your newer car is totaled in a covered accident | Available for newer vehicles; helps avoid depreciation gap |
Custom Equipment Coverage | Covers aftermarket modifications and custom parts added to your vehicle | Up to $10,000 coverage for vehicle modifications; includes stereos, wheels, and other enhancements |
Identity Fraud Expense Coverage | Reimburses expenses related to identity theft recovery and fraud resolution | Up to $10,000 coverage for identity fraud related costs |
Common Loss Deductible | When multiple policies are affected by the same incident, you pay only the highest deductible instead of separate deductibles | Applies across multiple Western National policies; saves money on related claims |
Auto Glass Coverage | One-call convenience service for windshield and auto glass repair or replacement | 24/7 Auto Glass Reporting Service; handles scheduling and billing in one call |
Here are insurance options beyond auto coverage you can bundle together or buy on their own:
Who Offers It? | Insurance Products |
|---|---|
Western National (Directly Offered) | Auto insurance, homeowners insurance, renters insurance, condo insurance, personal umbrella insurance, motorcycle insurance, RV insurance, boat insurance, business insurance |
Third-Party Partner | Not specified |
Western National ranks 16th nationally for overall car insurance, putting it solidly in the middle tier. Its biggest strength is coverage options, where it ranks third nationwide. Affordability is a weaker spot, with a 21st-place ranking that may not suit budget-focused drivers.
Compare quotes and weigh your coverage needs before buying to find the best fit.
Western National is a legitimate car insurance company with a solid standing in our analysis, ranking 16th overall among all providers we evaluated. Its strongest area is coverage options, where it placed third nationwide.
Adults pay $501 per year for minimum coverage and $1,656 for full coverage with Western National. Rates vary by driver profile, ranging from $367 to $2,747 for minimum coverage and $1,126 to $8,871 for full coverage
Western National Insurance receives mixed reviews regarding claims handling, with some customers reporting denied claims and delayed processing.
Customer complaints mention issues with property damage settlements and communication during the claims process.
Comprehensive data on their denial rates compared to industry standards is limited, making it difficult to definitively assess their reputation.
Western National is worth considering for some high-risk drivers. It ranks third among all insurers for drivers with a DUI and eighth for drivers with an at-fault accident.
Yes, Western National Insurance and other insurers increase rates over time due to inflation driving up repair and medical expenses, plus rising claim costs from distracted driving and severe weather. Rate adjustments also reflect updated risk assessments, regulatory changes, and personal factors like credit score shifts.
No, Western National Insurance isn't ideal for young drivers, ranking 19th for overall affordability with monthly premiums averaging $294 for full coverage.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to maintain consistent rate comparisons. Our standard driver is a 40-year-old male with a clean record, driving a 2012 Toyota Camry LE 12,000 miles per year, with good credit, a valid license and no prior claims.
We then modified specific variables, including age, driving record, credit score and military status, to find which insurers offer the best rates for different driver profiles. Minimum coverage rates reflect policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits, plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
