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Choosing a Personal Auto insurance policy these days can feel like a balancing act. Should you choose a low-cost policy with reduced coverage or a high-priced policy with broader coverage? How about one of those policies where you pay extra in order to be "forgiven" for a single auto accident, only to have your rates raised the next time it happens?

At Western National, we believe there's a better way. We offer excellent Personal Auto coverage at a fair price, and our Penalty-Free Promise® says you will never pay a higher rate as the result of accidents or violations — a benefit that some competitors now attempt to copy, though we've been offering it for over 50 years! With a variety of discounts to make your premium even more affordable, and our experienced claim staff ready to provide outstanding service, our Personal Auto Insurance program provides the high level of protection you want and deserve.

Your Independent Insurance Agent can help you determine the appropriate Personal Auto coverages, discounts, and price for you. To find an agent, click here.


Western National offers a Personal Auto product that includes many unique benefits at no additional charge, such as:



Personal Auto insurance coverages vary by the limits and requirements of individual states. Western National offers the following coverages subject to those limits and requirements:

Getting a Quote

At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

Click here to get a quote for our products by finding an Independent Insurance Agent in your area. For Commercial Auto insurance program information, click here.

Some coverages may not be available in all states. Please contact your Independent Insurance Agent if you have questions.