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

Quick Facts

• Looking at the national averages for auto insurance, Countryway offers significantly less expensive premiums than GEICO
• Countryway offers cheaper average prices for policyholders who live in the suburbs
• GEICO offers more discounts than Countryway Insurance Company

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

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Countryway or GEICO as potential options, but which company will offer you more affordable rates?

As you can see, Countryway is quite a bit cheaper than GEICO, with premiums averaging $84 per month compared to $185 with GEICO when looking at the national average rates for car insurance.

But that doesn't mean Countryway will necessarily be less expensive than GEICO for every single driver. Insurance companies vary their prices depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and a variety of other factors, so rates will vary quite a bit from person to person.

Wanting to know if Countryway or GEICO is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Countryway or GEICO: Average Car Insurance Rates by State

Countryway and GEICO only compete against each other in Maine, where GEICO offers the cheaper average prices. For Maine residents, GEICO offers auto insurance for $81 a month on average. Countryway's average rates come out to be more expensive, at $84 per month.

That being said, there are plenty of other factors that go into your insurance bill than just the state you live in. Keep reading 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. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Countryway for their insurance pay more than $200 less than those who use GEICO.

However, both carriers will decrease premiums once you turn 25. GEICO offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Countryway still has the cheapest rates at $80 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best rates for retired drivers between Countryway and GEICO? Countryway gets the edge, with premiums for drivers 65 and older over 55% cheaper than the national average for GEICO.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable insurance rates than single policyholders. That's because policies for married drivers generally cover several cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Countryway is the clear winner for single drivers, with prices about $111 a month less expensive than GEICO, on average. The advantage for married couples with Countryway is also obvious, where drivers save more than 55% per month.

Countryway vs. GEICO: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will normally end up paying a little more.

Typically, women see rates around 6% a month less with Countryway, and about 4% less with GEICO when compared to their male counterparts.

Looking at overall affordability, Countryway comes out on top for both men and women, with average premiums 54% less for men and 55% cheaper for women.

Countryway or GEICO: 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.

For most people, auto insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

That being said, most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) 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 insurance, Countryway generally offers significantly cheaper prices of $45 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies around $150 per month more affordable than GEICO, on average.

Is Countryway or GEICO Better for Drivers with Spotty Records?

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

Tickets and at-fault accidents will most likely raise your premiums, but is Countryway or GEICO less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Countryway policyholders can expect their rates to go up an average of $19 a month if they get a ticket, while GEICO usually raises prices about $35 per month, on average.

However, Countryway has more affordable rates for drivers in both categories. Drivers with a clean record can save around $49 a month and drivers with a speeding ticket can save about $65 per month with Countryway Insurance Company.

Which Company is Best for Drivers After an Accident?

Countryway drivers who get in a collision can expect to see their prices increase by just under $30, while those who have insurance through GEICO will see around a $85 increase.

Overall, the cheaper premiums come from Countryway, with monthly rates averaging $95 compared to GEICO's $200.

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 car insurance bill -- typically a lot more than an accident or ticket. GEICO drivers usually see a 58% increase in their insurance prices after a DUI charge, while Countryway will normally climb premiums by about 27%.

How does Credit Score Impact Countryway and GEICO Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect several policyholders out there.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a large impact on your monthly premiums? Usually, those who drive fewer miles will end up with less expensive prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Countryway offers more affordable rates than GEICO. Countryway's average premiums for drivers with 6,000 annual miles come in around $98 cheaper than GEICO. Those who drive 12,000 miles each year can expect to pay about $103 less with Countryway over GEICO.

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

Where you live can have a considerable impact on your monthly auto insurance cost. Typically, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the roads in those areas.

Countryway tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable rates from both carriers, but Countryway comes out on top with average premiums around $77 per month. Countryway also has more affordable average prices for drivers in urban and suburban ZIP codes -- a $122 and $98 a month respective difference when compared to GEICO policyholders in similar areas.

Countryway vs. GEICO 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 taking advantage of as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

In the section below, we've broken down all of the different discounts offered by both Countryway and GEICO so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

GEICO blows Countryway away when it comes to the sheer amount of discounts available, offering 22 more discounts than Countryway.

There are a couple discounts both companies offer, but GEICO also offers ABS discounts, anti-theft discounts, commercial drivers license discounts, and more that Countryway does not.

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

Final Thoughts: Is Countryway or GEICO Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which carrier is the right carrier for you and your specific needs?

Countryway might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You are over 65 years old and want to save some money on your insurance.

GEICO might be best for you if...

• You're planning on moving to another state soon -- undefined is only available to residents.
• You care about discounts (GEICO offers the most).

We hope this guide has ben a valuable resource as you compare Countryway and GEICO and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of companies, not just Countryway and GEICO. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Countryway vs. GEICO FAQs

Is Countryway or GEICO cheaper?

Looking just at the national average premiums, Countryway is the cheaper of the two companies, offering average rates of $84 per month compared to $185 for GEICO. That being said, Countryway won't necessarily be the cheapest company for every policyholder, since there are many different variables that come into play when it comes to your car insurance payment.

Who is better, Countryway or GEICO?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for each driver -- it all depends on the makeup of your unique insurance profile.

Why do Countryway and GEICO offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the rates they charge drivers. Things such as your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Countryway and GEICO calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be Countryway or GEICO 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.