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

Quick Facts

• Looking at the national averages for insurance, Germania offers significantly more affordable rates than State Auto
• Germania offers more affordable prices for drivers who have received a ticket within the last few years
• Germania tends to be a much cheaper option for drivers who have less-than-stellar credit

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

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

You've maybe even narrowed it down to Germania or State Auto for your next policy, but between the two, which company has less expensive rates for auto insurance?

Looking at nationwide averages, State Auto has average rates that are about 45% per month more expensive than those from Germania.

That being said, that doesn't mean Germania will necessarily be cheaper than State Auto for each driver. Car insurance companies use a ton of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among lots of other factors), you could see wildly different premiums from the ones above.

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

Germania or State Auto: Average Car Insurance Rates by State

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But there's more to calculating car insurance premiums than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

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

However, 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 more than $450 a month compared to those who use State Auto.

Even so, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. For example, average rates for Germania policyholders drop over 50% and State Auto's prices decrease nearly 75% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Germania and State Auto specifically, which company is best for retired drivers? Germania gets the edge, with prices for drivers 65 and older more than 35% more affordable than the national average for State Auto.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically more expensive for single drivers than they are for married couples? That's because policies for married drivers normally cover several cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Germania is the clear winner for single policyholders, with rates around $164 per month less expensive than State Auto, on average. For married policyholders, the advantage is clear again - Germania has the edge when it comes to average prices.

Germania vs. State Auto: 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, men tend to pay more for auto insurance than women.

Women typically pay over $10 a month less than men with Germania, and almost $25 cheaper with State Auto when compared to their male counterparts.

Looking at the data for each carrier specifically, Germania offers the cheapest average rates for both men and women, with average premiums 45% less for men and 45% cheaper for women.

Germania or State 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.

Car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Germania generally offers significantly more affordable prices of $90 compared to State Auto's $149. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies about $200 per month cheaper than State Auto, on average.

Is Germania or State 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.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the most affordable 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 rates increase after getting a ticket, but State Auto policyholders can expect to see their monthly bill increase by around 20%.

That being said, Germania tends to offer the best prices for drivers both with a ticket and with a clean record. Drivers with a clean record can save about $68 a month with Germania Insurance, and the same can be said for those with a speeding ticket, too.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Germania can expect to see around an $30 -- or about 23% -- increase in their car insurance prices. Drivers who use State Auto for their auto insurance will see a monthly bill around $99 (or 37%) more expensive after reporting a collision to their insurance company.

Overall, drivers who use Germania end up with the cheaper prices after an accident, with monthly premiums averaging $132 compared to State Auto Insurance's $269.

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 ticket when it comes to your auto insurance bill. For example, State Auto increases average rates by over $200 per month -- that's over a 55% increase.

If you have a DUI on your record and are looking for more affordable prices, Germania tends to be the much less expensive option with average premiums of $233 monthly compared to $380 from State Auto.

How does Credit Score Impact Germania and State Auto Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few policyholders.

Car insurance carriers 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 at Germania and State Auto specifically, which carrier 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 State Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on how much insurance companies 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 an accident and causing an insurance claim.

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

Germania vs. State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly car insurance payment. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Germania boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both carriers, but Germania comes out on top with average rates about $134 a month. Germania also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a 53% and 39% per month respective difference when compared to State Auto policyholders in similar areas.

Germania vs. State Auto Discounts

You want to save as much money as possible, right? 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 hard to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

In the table below, we've broken down all of the different discounts offered by both Germania and State Auto so that you can find the one that has the most discounts and, therefore, the biggest savings.

Both companies offer excellent discounts like advance quote discounts, COVID-19 relief discount, discounts for being a defensive driver, and mature driver discounts.

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

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Germania or State Auto the right carrier for you and your specific profile and needs?

Germania might be best for you if....

• You've been pulled over for speeding recently.
• You're looking for more protection with "full coverage" car insurance.
• You drive fewer than 6,000 miles annually.

State Auto might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Germania and State Auto 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 multiple companies, not just Germania and State Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Germania vs. State Auto FAQs

Is Germania or State Auto cheaper?

Looking just at the national average prices, Germania is the less expensive of the two companies, offering average rates of $142 a month compared to $259 for State Auto. But Germania won't necessarily be the cheapest company for each policyholder, since there are a range of different factors that come into play when it comes to your insurance bill.

Who is better, Germania or State Auto?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for every driver -- it all boils down to your unique auto insurance profile.

Why do Germania and State Auto offer me different rates?

Car insurance carriers take a look at many different variables when calculating the premiums they charge drivers. Things such as age, where you live, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Germania and State Auto use different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Germania or State 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.