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

How do Countryway and Mmg compare when it comes to car insurance rates and discounts? If you want to find out which company has the best prices for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Countryway offers significantly less expensive premiums than Mmg
  • Countryway tends to be a much more affordable option for drivers with a DUI charge on their record
  • Mmg offers more discounts than Countryway Insurance Company

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

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

You've maybe even narrowed it down to Countryway or Mmg as your top options, but between the two, which company will offer you cheaper prices?

Countryway Mmg

As you can see, Countryway is quite a bit cheaper than Mmg, with premiums averaging $84 per month compared to $118 with Mmg when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean Countryway will be the more affordable option for each driver. Car insurance companies use tons of complex algorithms to calculate rates, so depending on how good your credit score is or how old you are (among multiple other factors), you could see wildly different premiums from the ones above.

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

Countryway or Mmg: Average Car Insurance Rates by State

State Countryway Mmg

Countryway and Mmg only compete against each other in Maine, where Countryway offers the cheaper average rates. For Maine residents, Countryway offers insurance for $84 monthly on average. Mmg's average premiums come out to be over 15% more expensive, at $101 per month.

There's a lot more that goes into your auto insurance bill than just your home state. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Countryway Mmg
18-year-old drivers$167$253
25-year-old drivers$80$123

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. That's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Countryway for their auto insurance pay more than $85 less than those who use Mmg.

But with both carriers, you'll see your rates reduce significantly once you turn 25. Mmg offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Countryway still has the cheapest prices at $80 a month.

Which is the Best Company for Retired Drivers?

Countryway Mmg
65+-year-old drivers$65$83

Drivers around retirement age usually enjoy some of the most affordable car insurance premiums out there. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase prices.

When looking at Countryway and Mmg specifically, which company is best for retired drivers? Countryway gets the edge here, with average rates coming in at about $65 monthly compared to Mmg's $83.

Which is the Best Company for Married Drivers?

Countryway Mmg

You may not be aware, but insurance premiums tend to be more expensive for single policyholders than they are for married drivers. This usually boils down to married policyholders having several cars on their policy -- something quite a few auto insurance companies will reward with discounts.

When it comes to relationship status, Countryway is the clear winner for those who are single, with rates around $41 a month cheaper than Mmg, on average. The advantage for married couples with Countryway is also obvious, where drivers save over 25% per month.

Countryway vs. Mmg: Average Rates by Gender

Countryway Mmg

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to insurance men will typically end up paying a little more.

Women generally pay about 6% a month less than men with Countryway, and nearly 15% less with Mmg when compared to their male counterparts.

When it comes to the lowest prices for each gender, Countryway comes out as the most affordable option for both genders, with average rates 31% less for men and 25% cheaper for women.

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

Countryway Mmg
State Minimum*$45$77
Full Coverage**$123$160

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

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Countryway normally offers significantly less expensive prices of $45 compared to Mmg's $77. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies around $35 per month cheaper than Mmg, on average.

Is Countryway or Mmg Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault collisions and tickets lead to higher rates, but which carrier -- Countryway or Mmg -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Countryway Mmg
Clean Record$66$90
1 Speeding Ticket$85$111

Countryway policyholders can expect their premiums to go up an average of $19 a month if they get a ticket, while Mmg usually raises rates about $21 per month, on average.

Even so, Countryway tends to offer the best prices for drivers both with a speeding ticket and with a clean record -- their rates are around 27% less expensive for drivers with clean records and 23% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Countryway Mmg
Clean Record$66$90
1 At-Fault Accident$95$122

After an accident, drivers who have their auto insurance through Countryway can expect to see around an $29 -- or about 31% -- increase in their car insurance prices. Drivers who use Mmg for their auto insurance will see a monthly bill around $32 (or 26%) more expensive after reporting an accident to their car insurance company.

Overall, drivers who use Countryway end up with the cheaper prices after an accident, with monthly premiums averaging $95 compared to MMG Insurance's $122.

Which Company is Best for Drivers with a DUI?

Countryway Mmg
Clean Record$66$90
1 DUI$91$151

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. For example, Mmg increases average prices by over $60 a month -- that's over a 40% increase.

If you have a DUI on your record and are looking for more affordable rates, Countryway tends to be the much less expensive option with average premiums of $91 a month compared to $151 from Mmg.

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How does Credit Score Impact Countryway and Mmg Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for several drivers.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable prices.

So, which carrier offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Countryway Mmg
Excellent Credit Score$61$76
Good Credit Score$74$94

If you have great credit, you'll usually find a better deal with Countryway. Policyholders with "excellent" credit can save just under 20% compared to Mmg, and those with "good" scores can also expect to see savings -- about $20 or 21% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Countryway Mmg
Fair Credit Score$92$118
Poor Credit Score$111$186

Countryway typically offers lower rates than Mmg when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $26 per month less with Countryway compared to Mmg, and those with "poor" scores generally save an average of about $75 per month.

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

Countryway Mmg
6,000 Annual Miles$83$118
12,000 Annual Miles$86$118

How much you drive can have a sizable impact on your monthly insurance cost. Normally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mmg charges. However, there's a small difference in monthly premiums for Countryway, with drivers who put 6,000 miles on their car every year paying around $3 less each month compared to those who drive 12,000 miles yearly. Still, Countryway is the more affordable option for drivers in both categories.

Countryway vs. Mmg: 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 auto insurance, but the type of area you live in can have a big 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 Mmg
Urban Areas$89$120
Suburban Areas$87$131
Rural Areas$77$104

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

Drivers in rural ZIP codes see the lowest rates from both carriers, but Countryway comes out on top with average prices about $77 a month. Countryway also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $31 and $44 a month respective difference when compared to Mmg drivers in similar areas.

Countryway vs. Mmg Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the table below, we've compared all of the different discounts offered by Countryway and Mmg so that you can find the one that has the most discounts and, therefore, the biggest savings.

Countryway Mmg
Defensive Driver Discount
Distant Student Discount
Employee Discount 
EZ-Pay Credit Discount 
Good Student Discount
Multi-Policy Discount 
New Business Discount 
Paid In Full Discount 
Renewal Discount 
Umbrella Policy Discount 

Looking at the total number of discounts, Mmg has a slight advantage when it comes to total number of discounts. Countryway offers a grand total of six discounts, while Mmg has seven.

There are a couple discounts both companies offer, but Mmg also offers ez-pay credit discounts, multi-policy discounts, new business discounts, and more that Countryway does not.

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

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Final Thoughts: Is Countryway or Mmg Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, is Countryway or Mmg the right fit for you?

Countryway might be best for you if....

  • You're worried about the impact your credit score will have on your prices.
  • Your home is located in the suburbs.
  • You drive fewer than 12,000 miles annually.

Mmg might be best for you if...

  • You're looking for discounts -- Mmg has the most.

We hope this guide helps you get a better idea of the difference between Countryway and Mmg 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 insurance -- comparing quotes from multiple companies, not just Countryway and Mmg. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

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Countryway vs. Mmg FAQs

Is Countryway or Mmg 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 $118 for Mmg. However, Countryway won't necessarily be the cheapest carrier for every driver, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, Countryway or Mmg?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Countryway and Mmg offer me different rates?

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

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

The only way to find the auto insurance company 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 make it easy for you to do just that. Just enter your information once 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 cheapest premium. And who knows, the best carrier for you might not be Countryway or Mmg at all!


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.

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