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

Quick Facts

• In general, Germania offers significantly cheaper prices than Foremost
• Germania offers more affordable premiums for drivers who have below-average credit
• Germania offers less expensive average rates for policyholders whose driving record contains an at-fault collision

Foremost or Germania: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Foremost or Germania as your top options, but between the two, which carrier has cheaper premiums for insurance?

As you can see, Foremost is quite a bit more expensive than Germania, with prices averaging $270 a month compared to just $142 with Germania when looking at the national average rates for auto insurance.

However, that doesn't necessarily mean Germania will be the less expensive option for every driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things), so premiums will differ quite a bit from person to person.

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

Foremost vs. Germania: Average Car Insurance Rates by State

Foremost and Germania only compete against each other in Texas, where Germania offers the cheaper average rates. Germania drivers tend to pay about $95 per month less on average compared to drivers who use Foremost for their car insurance.

There are plenty of other factors that go into your auto insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group out there on the road. The reason is that teen 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. Just look at the table above -- where 18-year-old drivers who have Germania for their car insurance pay almost 50% less than those who use Foremost.

Even so, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Foremost policyholders reduce around $350 and Germania's rates decrease nearly $150 over that time.

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 cheapest premiums you'll ever see.

So, which carrier offers the best rates to retired drivers? Germania gets the edge here, with average premiums coming in at about $108 monthly compared to Foremost's $219.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable car insurance prices than single policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something lots of insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is significant, with Germania rates coming in at around half of Foremost's. The advantage for married drivers with Germania is also obvious, where drivers save about $95 a month.

Foremost or Germania: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for auto insurance than women.

Women generally pay around 1% per month less than men with Foremost, and almost 10% less with Germania when compared to their male counterparts.

Looking at overall affordability, Germania comes out as the lowest option for both genders. On average, male drivers save about $124 a month and women save about $132 with Germania compared to the average Foremost policyholder.

Foremost vs. 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 car insurance can be a complicated subject for most people. There are a range of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

But most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability limits, Germania has the significant edge, with average monthly prices coming in at $90. If you want a full coverage policy with the same state minimum limits, Germania again has the edge, with policies averaging around $194 per month to Foremost's $366.

Is Foremost or Germania Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Speeding tickets and collisions will most likely raise your prices, but is Foremost or Germania less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Germania insurance policies don't report seeing their premiums increase after getting a ticket, but Foremost policyholders can expect to see their monthly bill increase by about a quarter.

That being said, Germania has cheaper prices for drivers in both categories, offering rates that are 50% and 60% more affordable, respectively, compared to Foremost Insurance Group.

Which Company is Best for Drivers After an Accident?

Foremost drivers who get in an accident can expect to see their premiums climb by just under $200, while those who have insurance through Germania will see around a $30 increase.

At the end of the day, drivers who use Germania end up with the cheaper prices after an accident, with average prices coming in at $132 compared to Foremost Insurance Group's $381.

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 speeding ticket or even a collision. On average, Germania will raise your rates about 56% after a DUI, while Foremost's average premiums increase by more than 15%.

But if you end up with a DUI charge and are looking for more affordable rates, Germania tends to be less expensive for the average driver, with monthly premiums coming in at around $233 to Foremost's $238.

How does Credit Score Impact Foremost and Germania Rates?

Did you know many auto insurance companies take your credit score into account when determining prices? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it might come into play for a lot of policyholders.

The reasoning insurance companies 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 cheaper premiums.

Looking at Foremost and Germania specifically, which one has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Germania will usually reward you the most. For drivers with "excellent" credit scores, Germania comes in over 65.25 more affordable. Drivers with "good" credit scores normally save about 54% with Germania compared to average premiums from Foremost.

Which Company is Best for Drivers with Bad Credit?

Germania typically offers lower prices than Foremost when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 48% a month less with Germania compared to Foremost, and those with "poor" scores generally save an average of about 28% per month.

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

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly premiums? That's because the more milage you put on your vehicle, the more likely you are to be in an accident and file an insurance claim.

In this case, neither Foremost or Germania report increasing prices for drivers with higher annual mileage figures. That being said, Germania comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $142 per month for both.

Foremost or Germania: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly car insurance cost. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of vehicles that are on the roads where they live.

Germania tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $71 with Germania compared to Foremost. People who live in suburban areas pay about $144 less with Germania compared to Foremost. For policyholders in urban ZIP codes, Germania Insurance's average rates are around $169 less than Foremost Insurance Group.

Foremost vs. Germania 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. That's where auto insurance discounts comes into play.

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

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

Germania knocks Foremost out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to Foremost's 18.

There are a couple discounts both carriers offer, but Germania also offers discounts for ABS, academic, claim free, and more.

On the other hand, Foremost has a few proprietary discounts of their own for things like EFT discounts, good driving discounts, minor child discounts, and more.

Final Thoughts: Is Foremost or Germania Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, which company is the right company for you and your specific needs?

Germania might be best for you if....

• You have an at-fault accident on your record.
• Your home is located in the suburbs.
• You live in a rural area.

Foremost might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a better idea of the difference between Foremost and Germania. 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 car insurance -- comparing quotes from multiple carriers, not just Foremost and Germania. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Foremost vs. Germania FAQs

Is Foremost or Germania cheaper?

Germania is the cheaper of the two carriers when looking at national average prices, with policies averaging $142 a month with Germania and $270 for Foremost. Even so, that doesn't mean Germania will be the cheapest carrier for each driver, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Foremost or Germania?

Unfortunately, the real answer is "it depends.". Neither company is "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Foremost and Germania offer me different rates?

Auto insurance companies use quite a few different variables when calculating the rates they charge. Things like age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Foremost and Germania calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Foremost or Germania is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Foremost or Germania 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.