Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 11, 2019

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Western National Insurance is the name of a private mutual insurance company based in Edina, Minnesota, and offering a variety of property and casualty insurance policies to customers in the Midwest, Northwest, and Southwest.

Western National is sold through a network of independent insurance agents throughout the states in which it does business.

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Western National had a unique beginning as the Mutual Creamery and Cheese Factory Fire Insurance Company in St. Paul, Minnesota, in 1900. The company’s limited purpose was to insure dairy businesses!

From these humble beginnings, the company grew to offer automobile and homeowners insurance in 1955. Through a series of acquisitions and mergers, the company grew to its present size, with total assets of over $650 million, and nine subsidiary divisions.

As Western National is a mutual company (where policyholders are the “owners” of the company) they also share in the dividends when the company does well financially.

Western National offers lines of insurance including automobile, business, homeowners, rental, and umbrella insurance. The various subsidiary companies manage several lines of insurance, and independent agents sell these products from a variety of locations.

Western National Auto Insurance Coverage

The auto insurance division of Western National offers liability coverage in the form of bodily injury liability, property damage liability, and uninsured and underinsured motorist coverage.

If you live in a no-fault state, Western National can offer you personal injury protection and medical payment coverage. If you wish to purchase supplemental coverage, Western National has a long line of products designed to meet various needs.

Collision coverage pays for damage to your vehicle, while comprehensive pays for damages caused by things other than a collision. By adding collision and comprehensive to your liability plan, you will have “full coverage” insurance, required by many lenders.

If you have a loan or a lease, Western National also offers loan/lease coverage to pay for your vehicle’s loan balance if your car is totaled.

You can also elect to purchase rental reimbursement, towing and labor payments, full glass coverage, highway emergency loss protection (HELP), and even audio, visual, and data electronic equipment coverage0

. Best of all Western National offers “No Surcharge” coverage, which means you will never pay more for your insurance after an accident or traffic violation.

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Western National Auto Insurance Discounts

You can receive a variety of discounts from Western National to help reduce your auto insurance premiums. 5% will be deducted from your bill if you “lock in” your rate for one year with the “annual auto” option.

If you have comprehensive insurance, you can receive a 5% discount for anti-theft devices, and there are also discounts for driver’s education and defensive driving course completion.

You can get discounts for being a good student, having a multi-car policy, and for purchasing your homeowners and auto insurance from Western National.

Best of all, when you bundle your policy, Western National offers a “common deductible” discount which means you will only pay one deductible for an incident involving more than one policy’s coverage.

Western National Ratings and Customer Service Review

Although Western National is not reviewed by many national independent assessment firms, such as J.D. Power and Associates, an internet-based survey showed that 46% of customers were unsatisfied with their coverage or treatment with Western National.

However, 54% were satisfied or very satisfied. 31% of the customers responding to the survey claimed they were “extremely satisfied” with the company.

Although the customer service reactions are mixed, the financial outlook for the company seems rosy. The Ward Group, a nationally recognized independent consulting firm which ranks companies by financial stability, named Western National among the “Top 50” companies for great financial performance.

The company does attempt to connect to its customer base in various ways.

For example, the company not only has a very user-friendly website, on which customers can manage accounts, file claims, get quotes, and pay bills, but also subscribes to social media networks, with pages on Facebook and a “Twitter” account where fans can follow the company’s day-to-day progress.

If you are interested in Western National products, be aware that the company only sells insurance in a limited number of states and you can find more information on Western National auto insurance by visiting their website and using the “find an agent” tool.

You can also contact the company by phone. Western National does not offer online quotes, due to the fact that the company likes to discuss your individual needs personally and craft a policy that is just right for you.

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