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

Quick Facts

• Based on national averages for auto insurance, Countryway offers significantly less expensive prices than Metlife
• Countryway has cheaper premiums for drivers who have received a ticket within the last few years
• Metlife offers more discounts than Countryway Insurance Company

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Countryway or Metlife as potential options, but which company will save you the most?

Looking at the national average rates for both companies, Countryway has average rates that are about 75% per month more affordable than those from Metlife.

However, that doesn't mean Countryway will necessarily be less expensive than Metlife for every single driver. Car insurance carriers vary their rates depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and tons of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

Wanting to know if Countryway or Metlife 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 Metlife: Average Car Insurance Rates by State

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

That being said, there are plenty of other factors that go into your auto insurance bill than just the state you live in. 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. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing Countryway over Metlife.

But both companies will drop premiums by the time drivers turn 25. For example, average rates for Countryway policyholders reduce over $85 and Metlife's prices decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest insurance rates you can find. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase premiums.

So, which company offers the best prices to retired drivers? Countryway gets the edge, with rates for drivers 65 and older nearly 70% cheaper than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more affordable for married couples than they are for single drivers. That's because policies for married drivers generally cover several cars, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Countryway is the clear winner for single policyholders, with rates about $337 per month cheaper than Metlife, on average. The advantage for married policyholders with Countryway is also obvious, where drivers save almost $150 a month.

Countryway vs. Metlife: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they are more likely to file a claim with insurance. Therefore, men tend to get higher rates than women.

Usually, women see prices around 6% per month less with Countryway, while with Metlife, the difference is closer to 8% a month.

When it comes to the lowest premiums for each gender, Countryway comes out on top for both men and women. On average, male drivers save about $267 per month and women save about $244 with Countryway compared to the average Metlife policyholder.

Countryway or Metlife: 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.

Insurance can be a complicated subject for most people. There are multiple different coverages that account for lots of 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.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage 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 what you get with liability).

If you're looking for state minimum limits for liability insurance, Countryway usually offers significantly less expensive prices of $45 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies around $350 a month more affordable than Metlife, on average.

Is Countryway or Metlife 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.

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two companies offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Countryway policyholders can expect their premiums to go up an average of $19 per month if they get a ticket, while Metlife normally raises prices about $59 a month, on average.

That being said, Countryway is usually the cheaper option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 70% more affordable for drivers with clean records and 70% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Countryway can expect to see around an $29 -- or about 31% -- increase in their insurance rates. Drivers who use Metlife for their car insurance will see a monthly bill around $148 (or 40%) more expensive after reporting an accident to their auto insurance carrier.

Overall, Countryway offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $95 compared to MetLife's $368.

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 ticket when it comes to your insurance bill. On average, Metlife will increase your prices about 55% after a DUI, while Countryway's average premiums climb by over 25%.

How does Credit Score Impact Countryway and Metlife Rates?

Did you know that many car insurance carriers take your credit score into account when calculating rates? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it might come into play for several drivers.

Auto 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, policyholders with bad credit will often be forced to pay more.

Looking specifically at Countryway and Metlife, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

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

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 Metlife. Metlife's average rates for drivers with 6,000 annual miles come in more than 75% more expensive than Countryway. Those who drive 12,000 miles yearly can expect to pay just under 75% more with Metlife over Countryway.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a large impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Countryway tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both carriers, but Countryway comes out on top with average rates around $77 monthly. Countryway also has cheaper average prices for drivers in urban and suburban ZIP codes -- a $300 and $246 per month respective difference when compared to Metlife policyholders in similar areas.

Countryway vs. Metlife Discounts

Regardless of why you might be in the market for a new auto 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 with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the carrier that has the most discounts for your unique driver profile.

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

Metlife knocks Countryway out of the park when it comes to the sheer number of discounts available, offering 30 more discounts than Countryway.

A couple of those are overlapping for things like discounts for being a defensive driver, employee discounts, and discounts for being a good student. Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Countryway does not.

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

Final Thoughts: Is Countryway or Metlife Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which company is the right fit for you?

Countryway might be best for you if....

• You have a DUI charge on your record.
• Your home is located in the suburbs.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Metlife might be best for you if...

• You already have plans to move to another state -- undefined only offers policies to residents.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Countryway and Metlife. We also hope we've given you the information you need to make the best decision when it comes to your 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 multiple carriers, not just Countryway and Metlife. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Countryway vs. Metlife FAQs

Is Countryway or Metlife cheaper?

Looking just at the national average premiums, Countryway is the less expensive of the two carriers, offering average rates of $84 a month compared to $340 for Metlife. But Countryway won't necessarily be the most affordable carrier for everyone, since there are a bunch of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Countryway or Metlife?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Countryway and Metlife offer me different rates?

Insurance companies take a look at a lot of different factors when determining the rates they charge drivers. Variables like where your home is, where you live, age, gender, and sometimes even things like your credit score can all come into play. Both Countryway and Metlife calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several companies 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 area information and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Countryway or Metlife 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.