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

Quick Facts

• Looking at the national averages for insurance, Countryway offers significantly more affordable prices than Patriot
• Countryway offers cheaper average premiums for drivers who have an at-fault accident on their record
• Patriot offers more discounts than Countryway Insurance Company

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

Are you considering 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've maybe even narrowed your search down to Countryway or Patriot as potential options, but which company has less expensive rates for auto insurance?

Looking at nationwide averages, Countryway has average rates that are about 55% per month cheaper than those from Patriot.

But that doesn't mean Countryway will necessarily be less expensive than Patriot for each driver. Car insurance companies use a variety of complex algorithms to calculate prices, so depending on how good your credit score is or how old you are (among many other factors), you could see wildly different premiums from the ones above.

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

Countryway or Patriot: Average Car Insurance Rates by State

Countryway and Patriot 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. Patriot's average rates come out to be over 70% more expensive, at $167 a month.

There's a lot more that goes into your auto insurance bill than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. That's because 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. Just look at the table above -- where 18-year-old drivers who have Countryway for their insurance pay more than $250 less than those who use Patriot.

However, both carriers will offer you dramatically lower premiums once you turn 25. Patriot 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 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car insurance rates 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 insurance.

So, which company offers the best prices to retired drivers? Countryway gets the edge, with rates for drivers 65 and older nearly 50% more affordable than the national average for Patriot.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally less expensive for married drivers than they are for single drivers? That's usually because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Countryway is the clear winner for single policyholders, with prices around $126 a month cheaper than Patriot, on average. The advantage for married policyholders with Countryway is also obvious, where drivers save over $80 per month.

Countryway vs. Patriot: 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 insurance men will generally end up paying a little more.

On average, men see rates about 6% a month higher with Countryway, and almost 10% with Patriot.

When it comes to the lowest premiums for each gender, Countryway offers the most affordable average rates for both men and women, with average premiums $113 less for men and $100 cheaper for women.

Countryway or Patriot: 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 car insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

Even so, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Countryway typically offers significantly more affordable prices of $45 compared to Patriot's $80. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies around $200 per month less expensive than Patriot, on average.

Is Countryway or Patriot Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates 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 accidents and tickets lead to higher premiums, but which carrier -- Countryway or Patriot -- has the cheapest prices for drivers with spotty 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 Patriot normally raises premiums about $23 per month, on average.

That being said, Countryway has cheaper prices for drivers in both categories. Drivers with a clean record can save around $18 a month and drivers with a speeding ticket can save about $22 per month with Countryway Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault collision with Countryway climbing by just under $30. Patriot has a less extreme raise, but you can still expect to pay nearly $20 more than you were prior to your first accident.

Overall, the more affordable rates come from Countryway, with monthly prices averaging $95 compared to Patriot Insurance's $103.

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. For example, Patriot increases average premiums by just under $400 a month -- that's over a 80% 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 prices of $91 per month compared to $472 from Patriot.

How does Credit Score Impact Countryway and Patriot Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly car insurance premiums. 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 those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best rates for policyholders with good, average, or poor 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 more than 60% compared to Patriot, and those with "good" scores can also expect to see savings -- around $97 or 57% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Countryway typically offers lower prices than Patriot when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $95 per month less with Countryway compared to Patriot, and those with "poor" scores usually save an average of around $136 a month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance payment. Generally, those who drive less will end up with more affordable rates since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Patriot charges. However, there's a small difference in monthly prices for Countryway, with policyholders who drive 6,000 miles yearly paying about $3 less each month compared to those who drive 12,000 miles annually. Still, Countryway is the cheaper option for drivers in both categories.

Countryway vs. Patriot: 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 substantial impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas because of the number of vehicles that are on the roads in those areas.

Countryway tends to offer the most affordable prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both carriers, but Countryway comes out on top with average premiums around $77 monthly. Countryway also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a 54% and 56% a month respective difference when compared to Patriot drivers in similar areas.

Countryway vs. Patriot 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. That's where car insurance discounts comes into play.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

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

Overall, Patriot comes out ahead with 11 discounts to Countryway's six.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver, distant student discounts, and paid in full discounts -- but Patriot also offers advance quote discounts, full coverage discounts, good driving discounts, and more that Countryway does not.

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

Final Thoughts: Is Countryway or Patriot Best for You?

You've seen the effect certain factors 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 carrier is the best carrier for you, your vehicle, and your wallet?

Countryway might be best for you if....

• You have a clean record.
• You're looking for more protection with "full coverage" insurance.
• You live in a rural area.

Patriot might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Countryway and Patriot. We also hope we've given you the information you need to make the best decision when it comes to your car 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 auto insurance -- comparing quotes from multiple companies, not just Countryway and Patriot. 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. Patriot FAQs

Is Countryway or Patriot cheaper?

Looking just at the national average rates, Countryway is the less expensive of the two companies, offering average rates of $84 per month compared to $191 for Patriot. Even so, Countryway won't necessarily be the lowest company for everyone, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Countryway or Patriot?

Sadly, the real answer is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Countryway and Patriot offer me different rates?

Auto insurance carriers take a look at lots of different factors when calculating the premiums they charge policyholders. Variables such as where your home is, gender, age, where you park your car, and sometimes even things like your credit score can all be used. Both Countryway and Patriot use different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the 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, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Countryway or Patriot 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.