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

Quick Facts

• Looking at the national averages for car insurance, Germania offers significantly more affordable prices than National General
• Germania may help you save more money -- they offer more discounts than National General Insurance
• National General offers less expensive average premiums for drivers with a DUI

Germania or National General: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might be considering Germania or National General as your top options, but which one has cheaper rates for insurance?

Looking at the national average rates for both carriers, National General is quite a bit more expensive than Germania, with prices averaging $249 a month compared to just $142 with Germania.

Even so, that doesn't necessarily mean Germania will be the less expensive option for each driver. Auto insurance companies use all sorts of complex algorithms to determine premiums, so depending on how good your credit score is or how old you are (among numerous other factors), you could see wildly different prices from the ones above.

Wanting to know if Germania or National General 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.

Germania vs. National General: Average Car Insurance Rates by State

Both Germania and National General only offer car insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. Germania drivers tend to pay about $107 per month less on average compared to drivers who use National General for their auto insurance.

Typically, your home state will play a big role in how much you pay for car insurance, but since both companies only do business in Texas, multiple other variables will come into play when you compare Germania and National General. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group on the road. That's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Germania save over 55% a month compared to those who use National General.

However, with both carriers, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average rates for Germania policyholders lower more than 50% and National General's prices decrease over 65% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable car 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 Germania and National General specifically, which carrier is best for retired drivers? Germania gets the edge, with premiums for drivers 65 and older almost 40% more affordable than the national average for National General.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper auto insurance prices than single policyholders. This usually boils down to married couples having several vehicles on their policy -- something quite a few insurance companies will reward with discounts.

For those who are single, the difference in average rates between these two carriers is significant, with Germania prices coming in at around half of National General's. The advantage for married drivers with Germania is also obvious, where drivers save about $70 per month.

Germania or National General: Average Rates by Gender

Women generally to pay less for car insurance than men. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher rates.

Typically, women see premiums around $10 a month less expensive with Germania, and about $16 less with National General.

Looking at overall affordability, Germania offers the lowest average rates for both men and women. On average, male drivers save about $109 per month and women save around $105 with Germania compared to the average National General policyholder.

Germania vs. National General: 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.

For most people, insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

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

Looking specifically at state minimum liability insurance, Germania has the significant edge, with average monthly premiums 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 about $194 a month to National General's $348.

Is Germania or National General Better for Drivers with Spotty Records?

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

Speeding tickets and at-fault collisions will most likely raise your prices, but is Germania or National General more affordable 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 National General policyholders can expect to see their monthly bill increase by around 10%.

But Germania tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering prices that are $59 and $79 cheaper, respectively, compared to National General Insurance.

Which Company is Best for Drivers After an Accident?

Germania drivers who get in a collision can expect to see their rates climb by just under 25%, while those who have insurance through National General will see about a 65% 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 National General Insurance's $472.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or ticket. For example, Germania increases average premiums by nearly $150 per month -- that's more than a 55% increase.

But if you end up with a DUI charge and are looking for more affordable rates, National General tends to be more affordable for the average driver, with monthly premiums coming in at around $183 to Germania's $233.

How does Credit Score Impact Germania and National General Rates?

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it will come into play for many policyholders.

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

Looking at Germania and National General specifically, which carrier has the best 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 nearly 59.41 less expensive. Drivers with "good" credit scores normally save about 46% with Germania compared to average premiums from National General.

Which Company is Best for Drivers with Bad Credit?

Germania typically offers lower rates than National General when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 45% a month less with Germania compared to National General, and those with "poor" scores typically save an average of about 29% monthly.

Is Germania or National General 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 substantial impact on how much insurance companies will charge for coverage? Usually, the more milage you put on your car each year, the more you can expect to pay for car insurance.

In this case, neither Germania or National General report increasing prices for drivers with higher annual mileage figures. Still, Germania comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $142 per month for both.

Germania or National General: 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 sizable impact as well. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads where they live.

Germania tends to offer the most affordable rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay around $134 a month with Germania and $244 with National General. Drivers in suburban ZIP codes pay about $143 with Germania compared to National General's $241 per month. For drivers in urban ZIP codes, Germania's average prices are around $149 a month compared to National General's $262.

Germania vs. National General Discounts

No matter why you might be in the market for a new car 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.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Germania and National General 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 blows National General away when it comes to the sheer amount of discounts available, offering 18 different discounts to National General's eight.

Both carriers offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, and passive restraint discounts -- but Germania also offers discounts for ABS, academic, claim free, and more.

On the other hand, National General has a few proprietary discounts of their own for things like group discounts, low mileage discounts, and vehicle brand discounts.

Final Thoughts: Is Germania or National General Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the right company for you and your specific driver profile?

Germania might be best for you if....

• You have above-average credit.
• You're looking for discounts -- Germania has the most.
• You have a short drive to work everyday.

National General might be best for you if...

• Your driving record includes a DUI charge.

Hopefully, this guide has ben a valuable resource as you compare Germania and National General and that you can now make a more informed decision when it comes to 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 a handful of companies, not just Germania and National General. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Germania vs. National General FAQs

Is Germania or National General cheaper?

Germania is the more affordable of the two companies when looking at national average prices, with policies averaging $142 per month with Germania and $249 for National General. Even so, that doesn't mean Germania will be the lowest carrier for every driver, since there are several different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Germania or National General?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for each policyholder -- it all depends on what your unique insurance profile looks like. For example, Germania is cheaper for drivers with excellent credit, while National General offers less expensive rates for drivers with a recent DUI.

Why do Germania and National General offer me different rates?

Car insurance carriers use lots of different factors when calculating the prices they charge. Variables such as gender, age, your driving record, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Germania and National General use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code 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 price. And maybe you'll find that the best carrier for you isn't Germania or National General 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.