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

Wondering if Countryway or Vermont Mutual is the best auto insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Countryway offers significantly cheaper rates than Vermont Mutual
  • Countryway offers less expensive average prices for drivers who have less-than-stellar credit
  • Vermont Mutual offers more discounts than Countryway Insurance Company

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

So, you're considering switching your auto insurance. 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've maybe even narrowed your search down to Countryway or Vermont Mutual as potential options, but between the two, which carrier has more affordable rates for insurance?

Countryway Vermont Mutual

Looking at nationwide averages, Countryway is quite a bit cheaper than Vermont Mutual, with prices averaging $84 per month compared to $173 with Vermont Mutual.

But that doesn't mean Countryway will necessarily be cheaper than Vermont Mutual for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so premiums will differ quite a bit from person to person.

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

State Countryway Vermont Mutual

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

There's a lot more that goes into your car insurance bill than just your home state. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Countryway Vermont Mutual
18-year-old drivers$167$342
25-year-old drivers$80$165

Young drivers -- especially teens -- typically pay a lot for 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 still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Countryway save nearly $200 a month compared to those who use Vermont Mutual.

That being said, both carriers will decrease rates by the time drivers turn 25. Vermont Mutual 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 most affordable prices at $80 a month.

Which is the Best Company for Retired Drivers?

Countryway Vermont Mutual
65+-year-old drivers$65$131

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever find.

When looking at Countryway and Vermont Mutual specifically, which company is best for retired drivers? Countryway gets the edge, with prices for drivers 65 and older more than 50% more affordable than the national average for Vermont Mutual.

Which is the Best Company for Married Drivers?

Countryway Vermont Mutual

Did you know that auto insurance premiums are usually more expensive for single drivers than they are for married policyholders? That's because policies for married drivers generally cover multiple cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Countryway is the clear winner for those who are single, with prices about $101 per month less expensive than Vermont Mutual, on average. The advantage for married couples with Countryway is also obvious, where drivers save over 50% a month.

Countryway vs. Vermont Mutual: Average Rates by Gender

Countryway Vermont Mutual

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

Usually, women see premiums around $5 per month more affordable with Countryway, and about $14 less with Vermont Mutual.

When it comes to the cheapest rates for each gender, Countryway comes out on top for both men and women, with average premiums 52% less for men and 51% cheaper for women.

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Countryway or Vermont Mutual: Compare State Minimum vs. Full Coverage Rates

Countryway Vermont Mutual
State Minimum*$45$85
Full Coverage**$123$261

*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 pretty complicated. There are many different coverages that account for a bunch of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability insurance, Countryway typically offers significantly cheaper rates of $45 compared to Vermont Mutual's $85. When it comes to full coverage policies with similar limits, Countryway again has the edge, with policies around $150 a month less expensive than Vermont Mutual, on average.

Is Countryway or Vermont Mutual 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.

Tickets and accidents will most likely raise your prices, but is Countryway or Vermont Mutual cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Countryway Vermont Mutual
Clean Record$66$117
1 Speeding Ticket$85$124

Countryway policyholders can expect their premiums to go up an average of $19 per month if they get a ticket, while Vermont Mutual generally raises prices about $7 a month, on average.

However, Countryway is normally the less expensive option for drivers both with clean records and with a speeding ticket, offering rates that are 44% and 31% more affordable, respectively, compared to Vermont Mutual.

Which Company is Best for Drivers After an Accident?

Countryway Vermont Mutual
Clean Record$66$117
1 At-Fault Accident$95$144

After an accident, drivers who have their car insurance through Countryway can expect to see around an $29 -- or about 31% -- increase in their auto insurance prices. Drivers who use Vermont Mutual for their insurance will see a monthly bill around $27 (or 19%) more expensive after reporting a collision to their auto insurance carrier.

Overall, Countryway offers the lowest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $95 compared to Vermont Mutual's $144.

Which Company is Best for Drivers with a DUI?

Countryway Vermont Mutual
Clean Record$66$117
1 DUI$91$307

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than an accident or ticket. For example, Vermont Mutual increases average prices by just under $200 per month -- that's over a 60% 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 monthly compared to $307 from Vermont Mutual.

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How does Credit Score Impact Countryway and Vermont Mutual Rates?

Did you know that many insurance carriers take into account your credit score when calculating rates? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect lots of drivers out there.

Car 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 premiums.

So, which company offers the cheapest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Countryway Vermont Mutual
Excellent Credit Score$61$104
Good Credit Score$74$121

Which Company is Best for Drivers with Bad Credit?

Countryway Vermont Mutual
Fair Credit Score$92$162
Poor Credit Score$111$290

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

Countryway Vermont Mutual
6,000 Annual Miles$83$173
12,000 Annual Miles$86$173

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

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

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

Where you park your vehicle can play a substantial role in how much you pay for auto insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas due to the number of cars that are on the roads in those areas.

Countryway Vermont Mutual
Urban Areas$89$199
Suburban Areas$87$169
Rural Areas$77$152

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

Drivers in rural ZIP codes see the most affordable prices from both companies, but Countryway comes out on top with average premiums around $77 per month. Countryway also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $110 and $82 a month respective difference when compared to Vermont Mutual drivers in similar areas.

Countryway vs. Vermont Mutual Discounts

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

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

In the table below, we've broken down all of the different discounts offered by both Countryway and Vermont Mutual so that you can see which company can save you the most money each month.

Countryway Vermont Mutual
ABS Discount 
Advance Quote Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
Employee Discount 
Experienced Operator Discount 
Good Student Discount
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
Paid In Full Discount
Passive Restraint Discount 
Renewal Discount 
Umbrella Policy Discount 

Vermont Mutual blows Countryway away when it comes to the sheer amount of discounts available, offering 14 different discounts to Countryway's six.

There are a couple discounts both carriers offer, but Vermont Mutual also offers ABS discounts, advance quote discounts, annual mileage discounts, and more that Countryway does not.

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

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Final Thoughts: Is Countryway or Vermont Mutual Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right carrier for you, your vehicle, and your wallet?

Countryway might be best for you if....

  • You're single and purchasing insurance by yourself.
  • You are purchasing your auto insurance with a spouse.

Vermont Mutual might be best for you if...

  • You care about discounts (Vermont Mutual offers the most).

We hope this guide helps you get a better idea of the difference between Countryway and Vermont Mutual. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best 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 Vermont Mutual. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

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Countryway vs. Vermont Mutual FAQs

Is Countryway or Vermont Mutual cheaper?

Looking just at the national average prices, Countryway is the cheaper of the two companies, offering average rates of $84 per month compared to $173 for Vermont Mutual. Even so, Countryway won't necessarily be the cheapest company 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 Vermont Mutual?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for every driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Countryway and Vermont Mutual offer me different rates?

Insurance carriers take a look at several different variables when determining the premiums they charge policyholders. Things like where your home is, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Countryway and Vermont Mutual calculate rates using different factors, 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 several different companies.

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

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