Western National Car Insurance Review

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Here's what you need to know...
  • Western National sells insurance in 10 states
  • They have been in business for over 100 years
  • They offer many types of insurance and many different discounts

Western National car insurance is available in the following states:

  • Washington
  • Oregon
  • Nevada
  • Utah
  • North Dakota
  • South Dakota
  • Minnesota
  • Wisconsin
  • Illinois
  • Iowa

Read through this Western National auto insurance review and then enter your zip code in for your free car insurance comparison with quotes from many top car insurance companies!

About Western National


Western National was founded in 1900, and their first claim payment was made in September of 1901. They have a longstanding history of focusing on customer service and doing the right thing for people, according to their website.

Western National offers many types of insurance including:

  • Automobile insurance
  • Boat insurance
  • Dwelling insurance
  • Home and rental insurance
  • Motorcycle and ATV insurance
  • Snowmobile insurance
  • Commercial policies including worker’s compensation in all states except ND, OR, and WA

The average amount of experience of agents and team members that work for the company is 17 years, which is quite substantial. The company has an A+ rating from A.M. Best, as well.

Western National History

The following is a brief timeline:

  • 1900 the company was founded. The first claim was paid in 1901
  • 1915 company changing names to cover liability as well as fire hazards
  • 1925 the same company forms a tornado insurance company in Redwood Falls, MN
  • 1953 all companies merge to become Mutual Creamery Insurance Company
  • 1970 the company name changes to Western National Mutual Insurance Company, as the company has started selling auto and personal lines to other people outside of the creamery and cheese co-op market
  • 1974 Cascade Insurance Company in Seattle is purchased by Western National, where they take over operations in the region
  • 2007 they merge with Farmer’s Home Group, offering more insurance options for more states
  • 2009 the company acquired another company and started offering insurance to customers in Illinois

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Western National Auto Insurance Coverage

Auto insurance from Western National includes a variety of different types of coverage. You will find Western National car insurance policies with the following types of coverage to choose from:

  • Bodily injury liability
  • Property damage liability
  • Personal Injury Protection (PIP) or No-Fault protection
  • Medical payments
  • Uninsured and underinsured motorists
  • Collision coverage
  • Comprehensive
  • Rental reimbursement
  • Towing and labor
  • Glass coverage
  • Auto loan or lease coverage
  • Audio/Visual and electronics coverage
  • Highway Emergency Loss Protection (HELP)
  • Various other optional coverages

Western National Pros and Cons

Choosing a car insurance provider requires you to weigh the pros and cons of the situation to determine which company is right for your needs. Here is what you should know about Western National.


  • Company is small and focused on quality of service
  • Proud of heritage and service
  • 50 years of auto insurance coverage
  • Sells through independent agents
  • Offers a five percent discount for switching to Western National for a one-year policy


  • Company is small, limited coverage in specific states
  • Company has restrictions on which insurances can be bought in which areas
  • No online quotes; must work through an agent
  • Limited experience in auto insurance because they only work in 10 states

These are the things that you need to consider before choosing an insurance company. For residents living in the served areas, this company could provide the coverage that they are looking for.

However, it is up to each individual person to weigh the options and determine whether the small size of this company is a benefit or a disadvantage to their auto insurance needs.

While you cannot get Western National car insurance quotes online be sure that you compare quotes from many other top auto insurance companies online to find affordable car insurance.

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