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

Quick Facts

• Looking at the national averages for insurance, Countryway offers significantly more affordable prices than Bristol West
• Bristol West may help you save more money -- they offer more discounts than Countryway Insurance Company
• Countryway tends to be a much less expensive option for policyholders who live in urban areas

Bristol West or Countryway: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Bristol West or Countryway for your next policy, but between the two, which carrier will save you the most?

As you can see, Countryway has average rates that are around 80% a month cheaper than those from Bristol West when looking at the national average rates for auto insurance.

That being said, that doesn't mean Countryway will necessarily be more affordable than Bristol West for every driver. Car insurance carriers vary their premiums depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and all sorts of other factors, so rates will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Bristol West and Countryway by a variety of different rate factors, so read on to find out which company is the best for you.

Bristol West vs. Countryway: Average Car Insurance Rates by State

Bristol West and Countryway only compete against each other in Maine, where Countryway offers the cheaper average premiums. Countryway drivers tend to pay about $105 per month less on average compared to drivers who use Bristol West for their insurance.

But there's more to calculating auto insurance rates than just where you call home. 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 premiums of any other group of drivers out there on the road. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have Countryway for their auto insurance pay over 80% less than those who use Bristol West.

However, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Bristol West policyholders lower about $450 and Countryway's premiums reduce around $85 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Countryway gets the edge here, with average prices coming in at about $65 per month compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally more expensive for single drivers than they are for married drivers? That's because policies for married policyholders normally cover multiple vehicles, which several carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with Countryway prices coming in at around a quarter of Bristol West's. The advantage for married couples with Countryway is also obvious, where drivers save more than 80% a month.

Bristol West or Countryway: Average Rates by Gender

Men typically pay more for insurance than women. That's because men are more likely to get into accidents and get tickets, which increases the chances of filing a claim with insurance.

Surprisingly, with Bristol West, men usuallypay about 0% less per month than women, but with Countryway, the difference is closer to 6% a month.

When it comes to the most affordable rates for each gender, Countryway comes out on top for both men and women. On average, male drivers save about $324 per month and women save around $330 with Countryway compared to the average Bristol West policyholder.

Bristol West vs. 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.

Car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Countryway has the significant edge, with average monthly prices coming in at $45. If you want a full coverage policy with the same state minimum limits, Countryway again has the edge, with policies averaging about $123 a month to Bristol West's $544.

Is Bristol West or Countryway Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your premiums, but is Bristol West or Countryway cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Bristol West for their car insurance can normally expect their monthly bill to go up around 23% after getting a speeding ticket. Countryway policyholders can expect a less drastic increase of about 22%.

But Countryway tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are 81% and 81% less expensive, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in an accident can expect to see their premiums increase by just under 30%, while those who have insurance through Countryway will see around a 30% increase.

At the end of the day, the cheaper rates come from Countryway, with average premiums coming in at $95 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. On average, Bristol West will increase your prices about 13% after a DUI, while Countryway's average rates climb by more than 25%.

But if you end up with a DUI charge and are looking for more affordable premiums, Countryway tends to be less expensive for the average driver, with monthly premiums coming in at around $91 to Bristol West's $390.

How does Credit Score Impact Bristol West and Countryway Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for many policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Bristol West and Countryway specifically, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Countryway will usually reward you the most. For policyholders with "excellent" credit scores, Countryway comes in over 82.16 more affordable. Drivers with "good" credit scores generally save about 81% with Countryway compared to average prices from Bristol West.

Which Company is Best for Drivers with Bad Credit?

Countryway typically offers lower rates than Bristol West when it comes to drivers with bad credit. Drivers with "fair" credit pay around 78% per month less with Countryway compared to Bristol West, and those with "poor" scores typically save an average of about 80% monthly.

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

How much you drive can have a big impact on your monthly auto insurance bill. Usually, the more milage you put on your vehicle, the more you can expect to pay for car insurance.

For both remote workers and those taking short commutes, Countryway offers cheaper prices than Bristol West. Bristol West's average premiums for drivers with 6,000 annual miles come in nearly $350 more expensive than Countryway. Those who drive 12,000 miles each year can expect to pay just under $350 more with Bristol West over Countryway.

Bristol West or Countryway: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a sizable impact on your monthly insurance cost. Normally, those who live in urban areas will pay more than drivers in rural areas because of the number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Countryway typically comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Countryway's average rates are around $89 a month compared to Bristol West's $539. Drivers in suburban ZIP codes pay about $87 with Countryway compared to Bristol West's $386 a month. If you live in a rural area, you can expect to pay around $77 per month with Countryway and $309 with Bristol West.

Bristol West vs. Countryway Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Bristol West and Countryway offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Bristol West blows Countryway away when it comes to the sheer amount of discounts available, offering 18 different discounts to Countryway's six.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, distant student discounts, and paid in full discounts -- but Bristol West also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Countryway has a few proprietary discounts of their own for things like employee discounts, good student discounts, and umbrella policy discounts.

Final Thoughts: Is Bristol West or Countryway Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which company is the best company for you and your specific driver profile?

Countryway might be best for you if....

• You have a speeding ticket on your driving record.
• You live in an suburban area.
• You drive fewer than 6,000 miles yearly.

Bristol West might be best for you if...

• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Bristol West and Countryway and that you can now make a more informed decision when it comes to your insurance.

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

Bristol West vs. Countryway FAQs

Is Bristol West or Countryway cheaper?

Countryway is the less expensive of the two companies when looking at national average prices, with policies averaging $84 per month with Countryway and $412 for Bristol West. Even so, that doesn't mean Countryway will be the cheapest company for everyone, since there are a bunch of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Countryway?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Bristol West and Countryway offer me different rates?

Insurance carriers use a lot of different variables when determining the premiums they charge. Things such as where your home is, where you park your vehicle, gender, age, and sometimes even things like your credit score can all come into play. Both Bristol West and Countryway calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Bristol West or Countryway at all, but another you hadn't even thought of!

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.