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

Quick Facts

• Based on national averages for insurance, Germania offers significantly more affordable prices than Safe Auto
• Germania offers cheaper average premiums for drivers with a DUI charge on their record
• Germania tends to be a much less expensive option for people who are single and purchasing car insurance by yourself

Germania vs. Safe Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? 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 it down to Germania or Safe Auto as your top options, but between the two, which carrier will offer you cheaper prices?

Looking at nationwide averages, Safe Auto is quite a bit more expensive than Germania, with premiums averaging $223 per month compared to just $142 with Germania.

But that doesn't mean Germania will necessarily be less expensive than Safe Auto for every driver. Auto insurance companies use a ton of complex algorithms to calculate rates, so depending on where you live or how good your credit score is (among a whole bunch of other factors), you could see wildly different prices from the ones above.

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

Germania or Safe Auto: Average Car Insurance Rates by State

Germania and Safe Auto only compete against each other in Texas, where Germania offers the cheaper average rates. For Texas residents, undefined offers car insurance for undefined per month on average. undefined's average prices come out to be more expensive, at undefined a month.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Germania over Safe Auto.

That being said, with both carriers, you'll see your premiums decrease significantly once you turn 25. Safe Auto offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Germania still has the cheapest rates at $137 monthly.

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 most affordable premiums out there.

So, which carrier offers the best prices to retired drivers? Germania gets the edge, with rates for drivers 65 and older nearly 40% more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance premiums than single policyholders. This usually boils down to married drivers having more than one car on their policy -- something lots of auto 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 $96 per month more affordable than Safe Auto, on average. For married policyholders, the advantage is clear again - Germania has the edge when it comes to average rates.

Germania vs. Safe Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to car insurance men will typically end up paying a little more.

Women normally pay over $10 a month less than men with Germania, and around $15 cheaper with Safe Auto when compared to their male counterparts.

Looking at overall affordability, Germania comes out on top for both men and women, with average premiums 36% less for men and 36% cheaper for women.

Germania or Safe Auto: 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.

Insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

However, most 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 -- in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Germania generally offers significantly cheaper prices of $90 compared to Safe Auto's $126. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies about $150 per month less expensive than Safe Auto, on average.

Is Germania or Safe Auto 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.

It's no secret secret that tickets and at-fault accidents lead to higher premiums, but which company -- Germania or Safe Auto -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Germania car insurance policies don't report seeing their rates increase after getting a ticket, but Safe Auto policyholders can expect to see their monthly bill increase by around a quarter.

Even so, Germania tends to offer the best prices for drivers both with a ticket and with a clean record, offering prices that are $78 and $118 more affordable, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Safe Auto raising by over $65. Germania has a less extreme climb, but you can still expect to pay $30 more than you were prior to your first collision.

Overall, Germania offers the most affordable rates for drivers with an at-fault accident on their records, with monthly premiums averaging $132 compared to Safe Auto's $246.

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 insurance bill -- typically a lot more than an accident or speeding ticket. On average, Germania will climb your prices about 56% after a DUI, while Safe Auto's average rates rise by over 25%.

How does Credit Score Impact Germania and Safe Auto Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly car insurance premiums. This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it will come into play for several policyholders.

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

Looking at Germania and Safe Auto specifically, which one has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. Usually, those who drive fewer miles will end up with cheaper prices since there's less of a chance of getting into a collision and causing an insurance claim.

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

Germania vs. Safe Auto: 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 pretty big impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

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

Policyholders in rural ZIP codes see the cheapest premiums from both companies, but Germania comes out on top with average rates around $134 per month. Germania also has less expensive average prices for drivers in urban and suburban ZIP codes -- a 45% and 28% per month respective difference when compared to Safe Auto policyholders in similar areas.

Germania vs. Safe Auto Discounts

Regardless of 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 possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

In the section below, we've compared all of the different discounts offered by Germania and Safe Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, Germania has the advantage when it comes to total number of discounts. Safe Auto offers a grand total of 14 discounts, while Germania has 18.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and passive restraint discounts -- but Germania also offers ABS discounts, academic discounts, advance quote discounts, and more that Safe Auto does not.

On the flip side, Safe Auto has a couple unique discounts of its own -- agency transfer discounts, military discounts, discounts for insuring multiple cars with the same company, and more.

Final Thoughts: Is Germania or Safe Auto Best for You?

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

Germania might be best for you if....

• You're single and purchasing car insurance by yourself.
• You want to save extra money with discounts.
• You are purchasing your auto insurance with a spouse.

Safe Auto might be best for you if...

• You are considering moving to another state -- undefined only offers policies in.

We hope this guide helps you get a better idea of the difference between Germania and Safe Auto and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Germania and Safe Auto. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Germania vs. Safe Auto FAQs

Is Germania or Safe Auto cheaper?

Looking just at the national average rates, Germania is the cheaper of the two companies, offering average rates of $142 a month compared to $223 for Safe Auto. That being said, Germania won't necessarily be the most affordable company for every policyholder, since there are several different factors that are considered when it comes to your car insurance payment.

Who is better, Germania or Safe Auto?

Sadly, the only answer we can give you is "it depends.". No single carrier is "better" for each driver -- it all comes down to what your unique insurance profile looks like.

Why do Germania and Safe Auto offer me different rates?

Auto insurance carriers take a look at many different variables when calculating the prices they charge drivers. Things like age, your driving record, where you park your car, gender, and sometimes even things like your credit score can all come into play. Both Germania and Safe Auto calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Germania or Safe Auto 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.