Esurance vs. Germania: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Germania offers significantly less expensive rates than Esurance
• Esurance offers more discounts than Germania Insurance
• Germania offers more affordable average prices for residents of rural areas

Esurance vs. Germania: 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 big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Esurance or Germania as potential options, but which carrier has cheaper rates for car insurance?

Looking at the national average rates for both companies, Esurance has average rates that are about 55% per month more expensive than those from Germania.

But that doesn't necessarily mean Germania will be the less expensive option for each driver. Auto insurance carriers use a ton of complex algorithms to calculate premiums, so depending on how good your credit score is or how old you are (among a whole range of other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Esurance or Germania is really the best for you, keep reading to see average prices for each carrier broken down by many different rate factors.

Esurance or Germania: Average Car Insurance Rates by State

Esurance and Germania only compete against each other in Texas, where Germania offers the cheaper average premiums. For Texas residents, Germania offers insurance for $142 a month on average. Esurance's average prices come out to be over 20% more expensive, at $184 per month.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your premiums. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. That's generally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $450 less a month by choosing Germania over Esurance. It's worth noting that Esurance offers insurance in 11 different states compared to Germania's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Esurance policyholders reduce almost $500 and Germania's prices drop around $150 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest car insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

But who has the best rates for retired drivers between Esurance and Germania? Germania gets the edge, with prices for drivers 65 and older $124 more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically more expensive for single policyholders than they are for married drivers? This usually boils down to married policyholders having multiple cars on their policy -- something many car insurance companies will reward with discounts.

When it comes to relationship status, Germania is the clear winner for those who are single, with prices about $198 per month cheaper than Esurance, on average. The advantage for married couples with Germania is also obvious, where drivers save more than $100 a month.

Esurance vs. Germania: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they are more likely to file a claim with insurance. Therefore, insurance carriers will often charge men more than women.

On average, men see premiums around 7% per month higher with Esurance, while with Germania, the difference is closer to 8% a month.

Looking at the data for each company specifically, Germania comes out on top for both men and women. On average, women save about $152 per month and men save about $161 with Germania compared to the average Esurance policyholder.

Esurance or Germania: 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 auto insurance can be pretty complicated. There are a bunch of different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Germania usually offers significantly less expensive rates of $90 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies around $200 a month cheaper than Esurance, on average.

Is Esurance or Germania Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two companies offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Germania car insurance policies don't report seeing their prices increase after getting a ticket, but Esurance policyholders can expect to see their monthly bill increase by about 15%.

However, Germania tends to offer the best prices for drivers both with clean records and with a ticket -- their rates are around 58% more affordable for drivers with clean records and 64% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Esurance policyholders who get in an accident can expect to see their rates rise by just under 35%, while those who have insurance through Germania will see around a 25% increase.

Overall, Germania offers the most affordable prices for drivers with an at-fault accident on their records, with monthly premiums averaging $132 compared to Esurance's $364.

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 speeding ticket when it comes to your insurance bill. On average, Germania will raise your rates about 56% after a DUI, while Esurance's average prices increase by just under 20%.

Germania has the overall cheapest premiums for drivers with a DUI on their records at $233 monthly, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Germania, so the data may be skewed slightly.

How does Credit Score Impact Esurance and Germania Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect several drivers out there.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the most affordable premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Germania. Drivers with "excellent" credit can save over 60% compared to Esurance, and those with "good" scores can also expect to see savings -- around $146 or 55% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Germania typically offers lower rates than Esurance when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $160 per month less with Germania compared to Esurance, and those with "poor" scores generally save an average of around $203 per month.

Is Esurance or Germania Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly insurance bill. Normally, those who drive fewer miles will end up with more affordable prices 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 Germania charges. However, there's a small difference in monthly premiums for Esurance, with policyholders who drive 6,000 miles each year paying about $1 less every month compared to those who drive 12,000 miles yearly. Still, Germania is the less expensive option for drivers in both categories.

Esurance vs. Germania: 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 large impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

When comparing these two companies side-by-side, Germania typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but Germania comes out on top with average premiums around $134 monthly. Germania also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a $247 and $145 a month respective difference when compared to Esurance drivers in similar areas.

Esurance vs. Germania Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

Below, we've compared all of the different discounts offered by Esurance and Germania so that you can find the company that has the most discounts and, therefore, the biggest savings.

Esurance knocks Germania out of the park when it comes to the sheer number of discounts available, offering six more discounts than Germania.

A couple of those are overlapping for things like ABS discounts, anti-theft discounts, discounts for being a homeowner, and paid in full discounts. Esurance also offers agency transfer discounts, DRL discounts, education discounts, and more that Germania does not.

On the flip side, Germania has a couple unique discounts of its own -- academic discounts, claim free discounts, COVID-19 relief discount, and more.

Final Thoughts: Is Esurance or Germania Best for You?

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, is Esurance or Germania the best one for you and your specific driver profile?

Germania might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• Your home is located in the suburbs.
• You live in a rural area.

Esurance might be best for you if...

• You're planning on moving to another state soon -- Germania Insurance is only available in TX.
• You care about discounts (Esurance offers the most).

We hope this guide has ben a valuable resource as you compare Esurance and Germania and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Esurance and Germania. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Esurance vs. Germania FAQs

Is Esurance or Germania cheaper?

Looking just at the national average premiums, Germania is the cheaper of the two companies, offering average rates of $142 per month compared to $299 for Esurance. Even so, Germania won't necessarily be the most affordable carrier for everyone, since there are lots of different variables that come into play when it comes to your insurance cost.

Who is better, Esurance or Germania?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Esurance and Germania offer me different rates?

Auto insurance carriers take a look at quite a few different factors when determining the prices they charge policyholders. Variables such as your driving record, gender, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Esurance and Germania calculate premiums 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 companies.

How do I know if Esurance or Germania 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code 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 best rate. And who knows, the best carrier for you might not be Esurance or Germania 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.