Allstate vs. Countryway: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Countryway offers significantly less expensive prices than Allstate
• Allstate offers more discounts than Countryway Insurance Company
• Countryway has cheaper premiums for drivers who have an at-fault accident on their record

Allstate vs. Countryway: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Allstate or Countryway, but which company will save you the most?

As you can see, Countryway is quite a bit cheaper than Allstate, with rates averaging $84 per month compared to $199 with Allstate when looking at the national average rates for auto insurance.

However, that doesn't mean Countryway will necessarily be more affordable than Allstate for every single driver. Car insurance companies vary their premiums depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and tons of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Allstate or Countryway is really the best for you, keep reading to see average rates for each company broken down by a range of different rate factors.

Allstate or Countryway: Average Car Insurance Rates by State

Allstate and Countryway only compete against each other in Maine, where Countryway offers the cheaper average prices. For Maine residents, Countryway offers insurance for $84 per month on average. Allstate's average premiums come out to be over 40% more expensive, at $119 a month.

But there's more to calculating auto insurance prices than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. It's normally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Countryway save nearly $300 a month compared to those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Countryway's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for Allstate policyholders decrease almost $300 and Countryway's prices reduce more than $85 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you can find.

But who has the best premiums for retired drivers between Allstate and Countryway? Countryway gets the edge here, with average rates coming in at about $65 monthly compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically less expensive for married drivers than they are for single drivers? This usually boils down to married policyholders having more than one car on their policy -- something a lot of insurance companies will reward with discounts.

When it comes to relationship status, Countryway is the clear winner for those who are single, with prices around $134 per month more affordable than Allstate, on average. The advantage for married couples with Countryway is also obvious, where drivers save about $90 a month.

Allstate vs. Countryway: Average Rates by Gender

Did you know women tend to pay less for auto insurance than men? This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

With Allstate, men usually pay nearly $10 per month more than women, while with Countryway, the difference is closer to $5 a month.

Looking at overall affordability, Countryway comes out on top for both men and women. On average, male drivers save about $116 per month and women save around $112 with Countryway compared to the average Allstate policyholder.

Allstate or Countryway: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be a complicated subject for most people. There are a bunch of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Countryway generally offers significantly cheaper premiums of $45 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies about $150 a month less expensive than Allstate, on average.

Is Allstate or Countryway Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Collisions and tickets will most likely raise your prices, but is Allstate or Countryway cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while Countryway usually raises prices around $19 a month, on average.

Even so, Countryway is generally the more affordable option for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are 58% and 54% cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their prices climb by just under $75, while those who have insurance through Countryway will see about a $30 increase.

Overall, the more affordable rates come from Countryway, with monthly premiums averaging $95 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than a collision or ticket. On average, Allstate will climb your rates around 31% after a DUI, while Countryway's average prices increase by over 25%.

Countryway has the overall lowest premiums for drivers with a DUI on their records at $91 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Countryway, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Countryway Rates?

Did you know that many insurance carriers take into account your credit score when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for quite a few policyholders.

The reasoning auto insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

So, which carrier offers the cheapest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Countryway. Drivers with "excellent" credit can save just under 60% compared to Allstate, and those with "good" scores can also expect to see savings -- about $98 or 57% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Countryway typically offers lower rates than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $111 per month less with Countryway compared to Allstate, and those with "poor" scores usually save an average of about $164 a month.

Is Allstate or Countryway Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on your monthly prices. Generally, the more miles you drive, the more you can expect to pay for car insurance.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Countryway offers more affordable premiums than Allstate. Countryway average prices for drivers with 6,000 annual miles come in over $100 less expensive than Allstate. Those who drive 12,000 miles every year can expect to pay more than $100 less with Countryway over Allstate.

Allstate vs. Countryway: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly insurance cost. Typically, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

When comparing these two companies side-by-side, Countryway normally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both carriers, but Countryway comes out on top with average premiums around $77 monthly. Countryway also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a $133 and $112 a month respective difference when compared to Allstate drivers in similar areas.

Allstate vs. Countryway Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

In the section below, we've taken a look at all of the different discounts Allstate and Countryway offer their customers so that you can see which one can save you the most money each month.

Allstate blows Countryway away when it comes to the sheer amount of discounts available, offering 40 different discounts to Countryway's six.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and paid in full discounts. Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Countryway does not.

On the flip side, Countryway has a couple unique discounts of its own -- employee discounts and umbrella policy discounts.

Final Thoughts: Is Allstate or Countryway Best for You?

So, we've broken down the average premiums for many of the factors car insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which carrier is the right carrier for you and your specific driver profile?

Countryway might be best for you if....

• You have an at-fault collision on your record.
• You live in an suburban area.
• You live in a rural area.

Allstate might be best for you if...

• You already have plans to move to another state -- Countryway Insurance Company only offers policies in ME.
• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Allstate and Countryway. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Allstate and Countryway. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Allstate vs. Countryway FAQs

Is Allstate or Countryway cheaper?

Looking just at the national average rates, Countryway is the less expensive of the two carriers, offering average rates of $84 per month compared to $199 for Allstate. That being said, Countryway won't necessarily be the cheapest carrier for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Countryway?

Sadly, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Allstate and Countryway offer me different rates?

Insurance companies take a look at several different factors when determining the prices they charge policyholders. Variables like your driving record, age, gender, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Allstate and Countryway calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Allstate or Countryway is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Allstate or Countryway at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.