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Western National

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LAST UPDATED: September 12th, 2019

Western National Insurance Group that has provided insurance options to their customers for over a century. They are a private mutual insurance company with roots as a St. Paul-based fire insurance company for Minnesota's creameries and cheese factories. Today, the company is a super-regional insurance company for individuals, families, and businesses all over various regions in the United States. Insurance policies are distributed exclusively through independent insurance agents.

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The Good

  • Service features
  • Discounts
  • Coverage options
  • Free quote

Service Features

With a Western National personal auto products, customers will be able to take advantage of a number of benefits (at no additional charge) with their policy. Service features for all customers include: penalty-free promise, common loss deductible, customizing coverage plans, pet insurance, temporary transportation expense, car seat replacement services, and collision with another Western National customer.


In an effort to make monthly costs and premiums more affordable, Western National offers a number of discounts to their customers. If a customer is proven to meet all requirements of the discount, it will be applied. Available discounts include: anti-theft devices in vehicles, company car, customer loyalty, defensive driving, good student, more than one policy, more than one vehicle insured, and young driver/families discount.

Coverage Options

Personal auto insurance coverages will vary depending on the individual needs of specific drivers. There are also limits and requirements that come down from specific states. To accommodate individuals and state requirements, Western National offers the following coverage options: bodily injury liability, property damage liability, personal injury protection (no fault), medical payments, uninsured and underinsured motorists, collision coverage, comprehensive (other than collision) coverage, audio/visual/data electronic equipment, auto loan/lease coverage, full glass coverage, new vehicle replacement cost coverage, rental reimbursement, roadside assistance, towing and labor, and trip interruption coverage.

Free Quote

Obtaining a free quote will provide prospective customers with a more accurate idea of what Western National insurance will cost. Since Western National utilizes independent insurance agents, quotes will need to be obtained through them. They can provide information regarding choices for coverage and pricing as well as answer questions regarding their claim situation.

The Bad

  • Undisclosed prices
  • Availability

Undisclosed Prices

Some insurance providers will disclose price ranges or monthly averages for clients to help during the research process. However, Western National does not provide these types of figures publicly. Those who want to more about the costs will need to obtain a free quote to find out exactly what the premiums and associated costs will be.


While a large insurance provider, Western National does not provide their services in all fifty United States. Those who do not live in one of their operating states will not be able to purchase an auto policy through Western National. States where Western National is sold include: Alaska, Washington, Idaho, California, Arizona, Utah, New Mexico, Colorado, Montana, South Dakota, North Dakota, Minnesota, Kansas, Missouri, Arkansas, Texas, Wisconsin, Michigan, Ohio, Pennsylvania, Oregon, Nevada, Nebraska, Iowa, Illinois, and Massachusetts.

The Bottom Line

Western National customers can take advantage of a number of coverage options, service features, and discounts. That being said, it is difficult to find an average price range for how much services will end up costing. Those who reside in an available state serviced by Western National would likely benefit from obtaining a free quote to compare during their research process. If coverage and rates match-up, Western National would be a solid choice for auto insurance.
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Rory Henrie Pleasant Grove, UT

I currently have all of my business insurance from vehicles to liability through Western National. I have been impressed by their service and coverages. I am getting great customer service.

4 years ago