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

Quick Facts

• Based on national averages for car insurance, Countryway offers significantly less expensive rates than State Farm
• Countryway offers more affordable average premiums for drivers who have a speeding ticket on their driving record
• State Farm may help you save more money -- they offer more discounts than Countryway Insurance Company

Countryway or State Farm: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Countryway or State Farm, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, State Farm has average rates that are around 45% a month more expensive than those from Countryway.

However, that doesn't necessarily mean Countryway will be the cheaper option for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your credit score, your driving record, or even where you call home (among other things). So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

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

Countryway vs. State Farm: Average Car Insurance Rates by State

Countryway and State Farm only compete against each other in Maine, where Countryway offers the cheaper average premiums. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their auto insurance.

There are plenty of other factors that go into your car insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Countryway save almost 55% a month compared to those who use State Farm.

But both carriers will reduce premiums by the time drivers turn 25. State Farm offers the steepest decrease, with 25-year-olds paying less than a third of 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?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable premiums you can find.

But who has the best rates for retired drivers between Countryway and State Farm? Countryway gets the edge, with prices for drivers 65 and older over 40% less expensive than the national average for State Farm.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single policyholders than they are for married couples. That's because policies for married policyholders normally cover multiple vehicles, which lots of companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Countryway rates coming in at about half of State Farm's. The advantage for married drivers with Countryway is also obvious, where drivers save around $55 per month.

Countryway or State Farm: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because men are statistically more likely than women to get speeding tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher prices.

Normally, men see premiums about 6% a month higher with Countryway, and around 7% with State Farm.

Looking at overall affordability, Countryway comes out as the lowest option for both genders, with average rates $77 less for men and $70 cheaper for women.

Countryway vs. State Farm: 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. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

That being said, the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum limits for liability insurance, 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 per month to State Farm's $216.

Is Countryway or State Farm Better for Drivers with Spotty Records?

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

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- Countryway or State Farm -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Countryway for their car insurance can usually expect their monthly bill to go up around 22% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of about 14%.

However, Countryway has cheaper prices for drivers in both categories -- their rates are around 51% more affordable for drivers with clean records and 45% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Countryway drivers who get in an accident can expect to see their rates rise by just under $30, while those who have insurance through State Farm will see around a $30 increase.

At the end of the day, Countryway offers the cheapest premiums for drivers with an at-fault collision on their records, with average rates coming in at $95 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. For example, State Farm increases average premiums by $45 a month -- that's more than a 25% increase.

How does Credit Score Impact Countryway and State Farm Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few policyholders.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking specifically at State Farm and Countryway, which carrier has the best premiums for policyholders 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 State Farm 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 prices. Normally, those who drive less will end up with less expensive rates since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Countryway offers more affordable prices than State Farm. Countryway average premiums for drivers with 6,000 annual miles come in nearly $70 less expensive than State Farm. Those who drive 12,000 miles yearly can expect to pay just under $80 less with Countryway over State Farm.

Countryway or State Farm: 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 sizable impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Countryway boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $77 per month with Countryway compared to State Farm's $127. People in suburban areas pay a monthly price of around $87 with Countryway compared to $161 with State Farm. For drivers in urban ZIP codes, Countryway's average rates are about $89 while State Farm offers prices around $185.

Countryway vs. State Farm Discounts

No matter why you might be in the market for a new 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 auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Countryway and State Farm so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

State Farm blows Countryway away when it comes to the sheer amount of discounts available, offering 17 more discounts than Countryway.

Both companies offer many of the same discounts -- like discounts for being a defensive driver, distant student discounts, and discounts for being a good student -- but State Farm also offers discounts for ABS, annual mileage, anti-theft, and more.

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

Final Thoughts: Is Countryway or State Farm Best for You?

So, we've broken down the average rates for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right one for you and your specific needs?

Countryway might be best for you if....

• You want to save money on your insurance after a collision.
• Your home is in a busy urban area.
• You want to save money while purchasing car insurance for a teenager.

State Farm 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.

Hopefully, this guide has ben a valuable resource as you compare Countryway and State Farm. We also hope we've given you the information you need to make the best decision about your auto insurance.

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

Countryway vs. State Farm FAQs

Is Countryway or State Farm cheaper?

Countryway is the cheaper of the two companies when looking at national average premiums, with policies averaging $84 per month with Countryway and $158 for State Farm. But that doesn't mean Countryway will be the cheapest carrier for every policyholder, since there are a range of different factors that are considered when it comes to your auto insurance payment.

Who is better, Countryway or State Farm?

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

Why do Countryway and State Farm offer me different rates?

Auto insurance carriers use a lot of different variables when determining the prices they charge. Factors like where you live, age, where you park your car, gender, and sometimes even things like your credit score can all be used. Both Countryway and State Farm calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the car insurance company 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 does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Countryway or State Farm 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.