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

Want to know if Countryway or Travelers is the better choice for auto insurance? You're probably wondering which company offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Countryway offers significantly less expensive rates than Travelers
  • Countryway tends to be a much cheaper option for drivers who have received a ticket within the last few years
  • Travelers offers more discounts than Countryway Insurance Company

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

Are you considering a new insurance policy? 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 might have narrowed your search down to Countryway or Travelers as potential options, but between the two, which one will offer you more affordable premiums?

Countryway Travelers

Looking at the national average rates for both companies, Travelers has average rates that are about 50% per 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 carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

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

Countryway or Travelers: Average Car Insurance Rates by State

State Countryway Travelers

Countryway and Travelers only compete against each other in Maine, where Travelers offers the cheaper average premiums. For Maine residents, Travelers offers car insurance for $80 per month on average. Countryway's average prices come out to be more expensive, at $84 monthly.

There's a lot more that goes into your auto insurance cost than just where you live. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Countryway Travelers
18-year-old drivers$167$353
25-year-old drivers$80$141

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. Normally, 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 that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Countryway save nearly $200 a month compared to those who use Travelers.

Even so, both companies will lower premiums by the time drivers turn 25. For example, average prices for Countryway policyholders drop more than $85 and Travelers's rates reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

Countryway Travelers
65+-year-old drivers$65$132

Once you approach retirement age, you'll usually enjoy the most affordable auto insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

When looking at Countryway and Travelers specifically, which carrier is best for retired drivers? Countryway gets the edge, with premiums for drivers 65 and older over 50% more affordable than the national average for Travelers.

Which is the Best Company for Married Drivers?

Countryway Travelers

Did you know that car insurance prices are typically more expensive for single policyholders than they are for married policyholders? This usually boils down to married couples having more than one car on their policy -- something a lot of auto insurance carriers will reward with discounts.

When it comes to relationship status, Countryway is the clear winner for those who are single, with premiums about $93 per month less expensive than Travelers, on average. The advantage is also clear for married drivers - Countryway offers the cheapest average prices.

Countryway vs. Travelers: Average Rates by Gender

Countryway Travelers

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll usually end up paying more for insurance than women.

Men typically pay around $5 a month more than women with Countryway, and more than $10 with Travelers.

When it comes to the lowest rates for each gender, Countryway comes out as the most affordable option for both genders. On average, male drivers save about $85 per month and women save about $79 with Countryway compared to the average Travelers policyholder.

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

Countryway Travelers
State Minimum*$45$108
Full Coverage**$123$225

*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. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Countryway normally offers significantly more affordable prices of $45 compared to Travelers's $108. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies around $100 a month less expensive than Travelers, on average.

Is Countryway or Travelers Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 accidents will most likely raise your premiums, but is Countryway or Travelers cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Countryway Travelers
Clean Record$66$128
1 Speeding Ticket$85$160

Countryway policyholders can expect their rates to go up an average of $19 per month if they get a ticket, while Travelers generally raises prices about $32 a month, on average.

That being said, Countryway tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 48% and 47% less expensive, respectively, compared to Travelers.

Which Company is Best for Drivers After an Accident?

Countryway Travelers
Clean Record$66$128
1 At-Fault Accident$95$173

After an accident, drivers who have their auto insurance through Countryway can expect to see around an $29 -- or about 31% -- increase in their insurance premiums. Drivers who use Travelers for their auto insurance will see a monthly bill around $45 (or 26%) more expensive after reporting an accident to their insurance company.

Overall, Countryway offers the lowest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $95 compared to Travelers's $173.

Which Company is Best for Drivers with a DUI?

Countryway Travelers
Clean Record$66$128
1 DUI$91$205

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or ticket. On average, Travelers will increase your rates about 38% after a DUI, while Countryway's average prices climb by over 25%.

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How does Credit Score Impact Countryway and Travelers Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly insurance premiums. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for many drivers.

Auto insurance companies 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 rates.

So, which carrier offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Countryway Travelers
Excellent Credit Score$61$119
Good Credit Score$74$142

Which Company is Best for Drivers with Bad Credit?

Countryway Travelers
Fair Credit Score$92$173
Poor Credit Score$111$231

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

Countryway Travelers
6,000 Annual Miles$83$164
12,000 Annual Miles$86$169

Did you know that the amount of time you spend in your car have a considerable impact on your monthly premiums? Usually, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Countryway tends to be the cheaper option. Countryway's average rates for drivers with 6,000 annual miles come in around 49% less expensive than Travelers. Those who drive 12,000 miles annually can expect to pay about 49% less with Countryway over Travelers.

Countryway vs. Travelers: 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 insurance, but the type of area you live in can have a pretty big 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 Travelers
Urban Areas$89$204
Suburban Areas$87$160
Rural Areas$77$136

Countryway boasts the cheapest average 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 a month. Countryway also has cheaper average rates for drivers in urban and suburban ZIP codes -- a $115 and $73 per month respective difference when compared to Travelers policyholders in similar areas.

Countryway vs. Travelers 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 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.

In the section below, we've compared all of the different discounts offered by Countryway and Travelers so that you can see which company can save you the most money each month.

Countryway Travelers
ABS Discount 
Advance Quote Discount 
Alternative Fuel Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
DRL Discount 
EFT Discount 
Electric Vehicle Discount 
Employee Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 
Multi-Car Discount 

Travelers knocks Countryway out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Countryway's 25.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and paid in full discounts. Travelers also offers ABS discounts, advance quote discounts, alternative fuel discounts, and more that Countryway does not.

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

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Final Thoughts: Is Countryway or Travelers Best for You?

You've seen the effect certain variables have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance company is the best carrier for you, your vehicle, and your wallet?

Countryway might be best for you if....

  • Your credit is below-average.
  • Your credit score is high.
  • You're married and plan to have both of your names on the vehicle's auto insurance policy.

Travelers might be best for you if...

  • You value the experience that comes with a large national car insurance carrier.
  • You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Countryway and Travelers. 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 auto insurance -- comparing quotes from several carriers, not just Countryway and Travelers. Luckily, sites like make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

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Countryway vs. Travelers FAQs

Is Countryway or Travelers cheaper?

Looking just at the national average prices, Countryway is the more affordable of the two carriers, offering average rates of $84 a month compared to $167 for Travelers. However, Countryway won't necessarily be the lowest carrier for each policyholder, since there are multiple different factors that come into play when it comes to your insurance payment.

Who is better, Countryway or Travelers?

Sadly, the answer truly is "it depends.". No single company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Countryway and Travelers offer me different rates?

Car insurance companies take a look at quite a few different variables when calculating the premiums they charge drivers. Factors like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be used. Both Countryway and Travelers calculate prices using different formulas, so each one will most likely offer different rates. 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 Travelers is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like 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. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Countryway or Travelers 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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