Germania vs. Southern County Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Germania offers significantly less expensive premiums than Southern County Mutual
• Germania offers more affordable rates for couples purchasing auto insurance together
• Southern County Mutual tends to be a much more affordable option for drivers with a DUI charge on their record

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

You've maybe even narrowed your search down to Germania or Southern County Mutual for your next policy, but between the two, which one has cheaper premiums for insurance?

As you can see, Southern County Mutual has average rates that are about 21% per month more expensive than those from Germania when looking at the national average rates for car insurance.

That being said, Germania may not be the most affordable or best option for each driver out there. Auto insurance companies use tons of complex algorithms to calculate rates, so depending on how good your credit score is or where you live (among a whole bunch of other factors), you could see wildly different prices from the ones above.

Wanting to know if Germania or Southern County Mutual 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 Southern County Mutual: Average Car Insurance Rates by State

Both Germania and Southern County Mutual only offer car insurance in Texas, so you'll see that the average figures here will mirror the ones we mentioned above. For Texas residents, Germania offers insurance for $142 monthly on average. Southern County Mutual's average rates come out to be over 20% more expensive, at $179 per month.

Typically, where you call home will play a hefty role in how much you pay for car insurance, but since both companies only do business in Texas, an array of other factors will come into play when you compare Germania and Southern County Mutual. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. Generally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Germania save more than $80 a month compared to those who use Southern County Mutual.

However, both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Germania policyholders decrease over 50% and Southern County Mutual's prices lower more than 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums out there.

When looking at Germania and Southern County Mutual specifically, which carrier is best for retired drivers? Germania gets the edge here, with average prices coming in at around $108 a month compared to Southern County Mutual's $129.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance premiums than married policyholders. That's because policies for married couples normally cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, Germania is the clear winner for those who are single, with rates about $41 per month more affordable than Southern County Mutual, on average. The advantage is also clear for married drivers - Germania offers the most affordable average premiums.

Germania vs. Southern County Mutual: Average Rates by Gender

Because men are more likely to get tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, men tend to pay more for auto insurance than women.

With Germania, men usually pay over $10 a month more than women, and around $18 more with Southern County Mutual.

Looking at the data for each company specifically, Germania offers the cheapest average prices for both men and women. On average, male drivers save about $40 per month and women save about $34 with Germania compared to the average Southern County Mutual policyholder.

Germania or Southern County Mutual: 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 insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum liability insurance, Germania normally offers cheaper rates of $90 compared to Southern County Mutual's $105. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies around $60 a month less expensive than Southern County Mutual, on average.

Is Germania or Southern County 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the lowest premiums to 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 Southern County Mutual policyholders can expect to see their monthly bill increase by.

But Germania tends to offer the best prices for drivers both with a ticket and with a clean record, offering prices that are 39% and 42% more affordable, respectively, compared to Southern County Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Germania policyholders who get in a collision can expect to see their rates climb by just under 25%, while those who have insurance through Southern County Mutual will see about a 2% increase.

Overall, drivers who use Germania end up with the cheaper prices after an accident, with monthly prices averaging $132 compared to Southern County Mutual Insurance Company's $169.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. On average, Germania will increase your premiums around 56% after a DUI, while Southern County Mutual's average prices increase by just under 20%.

If you have a DUI on your record and are looking for more affordable rates, Southern County Mutual tends to be the much cheaper option with average premiums of $207 monthly compared to $233 from Germania.

How does Credit Score Impact Germania and Southern County Mutual Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly car insurance prices. This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for quite a few drivers.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Germania and Southern County Mutual, which company has the best premiums for policyholders at different credit levels?

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 45% compared to Southern County Mutual, and those with "good" scores can also expect to see savings -- about $43 or 26% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

If you have a below average credit score, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around $49 less with Germania than Southern County Mutual, but those whose credit is considered "poor" have it flipped -- saving about $10 per month with Southern County Mutual.

Is Germania or Southern County Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly premiums. Usually, those who drive less will end up with cheaper rates since there's less of a chance of getting into an accident and causing an insurance claim.

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

Germania vs. Southern County Mutual: 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. Typically, 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.

When comparing these two carriers side-by-side, Germania generally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Germania offers rates around $149 a month compared to Southern County Mutual's $202. People who live in suburban ZIP codes can expect to pay about $143 per month for Germania and $177 for Southern County Mutual. Lastly, those in rural areas tend to get the lowest prices from both companies, with average monthly premiums coming in at $134 and $159 for Germania and Southern County Mutual respectively.

Germania vs. Southern County Mutual 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 utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult 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.

In the section below, we've taken a look at all of the different discounts Germania and Southern County Mutual offer their customers 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 Southern County Mutual away when it comes to the sheer amount of discounts available, offering 18 different discounts to Southern County Mutual's nine.

A couple of those are overlapping for things like anti-theft discounts, multi-policy discounts, and passive restraint discounts. Germania also offers ABS discounts, academic discounts, advance quote discounts, and more that Southern County Mutual does not.

On the flip side, Southern County Mutual has a couple unique discounts of its own -- corporate discounts, discounts for being a good student, discounts for insuring multiple cars with the same company, and more.

Final Thoughts: Is Germania or Southern County Mutual Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is Germania or Southern County Mutual the right fit for you?

Germania might be best for you if....

• You've been pulled over for speeding recently.
• You want basic insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your auto insurance.

Southern County Mutual might be best for you if...

• You have a DUI charge on your record.

We hope this guide has ben a valuable resource as you compare Germania and Southern County Mutual and that you can now make a more informed 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 auto insurance -- comparing quotes from a handful of carriers, not just Germania and Southern County Mutual. 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 car insurance companies in your area, all for free.

Germania vs. Southern County Mutual FAQs

Is Germania or Southern County Mutual cheaper?

Looking just at the national average premiums, Germania is the less expensive of the two carriers, offering average rates of $142 a month compared to $179 for Southern County Mutual. Even so, Germania won't necessarily be the cheapest company for everyone, since there are many different factors that come into play when it comes to your auto insurance cost.

Who is better, Germania or Southern County Mutual?

Sadly, the answer truly is "it depends.". No single carrier is "better" for each driver -- it all boils down to your unique insurance profile. For example, Germania offers more affordable rates for policyholders with an at-fault collision on their record, while Southern County Mutual is less expensive for drivers who have less-than-stellar credit scores.

Why do Germania and Southern County Mutual offer me different rates?

Car insurance companies take a look at lots of different variables when calculating the premiums they charge drivers. Factors such as gender, where you park your vehicle, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Germania and Southern County Mutual use different formulas, 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 a range of different carriers.

How do I know if Germania or Southern County Mutual is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com 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 carriers 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 Southern County Mutual 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.