MMG vs. Safety: Which Company is the Best Fit for You?

You've probably seen ads offering big savings on insurance, but are MMG or Safety right for you? Which carrier offers the cheapest premiums, or the most discounts? Read on to see how MMG and Safety compare, and to find out which company is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, MMG offers significantly more affordable rates than Safety
  • MMG tends to be a much cheaper option for policyholders who live in rural neighborhoods
  • Safety may help you save more money -- they offer more discounts than MMG Insurance

MMG or Safety: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to MMG or Safety for your next policy, but which company will save you the most?

MMG Safety

As you can see, MMG has average rates that are around 45% a month less expensive than those from Safety when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean MMG will be the more affordable option for each driver. Car insurance carriers use all sorts of complex algorithms to determine prices, so depending on how clean your driving record is or where you live (among a wide array of other factors), you could see wildly different premiums from the ones above.

Wanting to know if MMG or Safety 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.

MMG vs. Safety: Average Car Insurance Rates by State

State MMG Safety

MMG and Safety only compete against each other in one states, with MMG offering less expensive rates to the average driver in all of them. New Hampshire has the most noticable difference, where MMG premiums are $50 cheaper than insurance prices at Safety.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance companies calculate your rates. Read on to learn more.

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Which is the Best Company For Young Drivers?

MMG Safety
18-year-old drivers$253$421
25-year-old drivers$123$209

Teen drivers will almost always have the most expensive insurance prices of any group on the road. The reason is that teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. Just look at the table above -- where 18-year-old drivers who have MMG for their car insurance pay over 40% less than those who use Safety.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. Safety offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, MMG still has the most affordable rates at $123 monthly.

Which is the Best Company for Retired Drivers?

MMG Safety
65+-year-old drivers$83$164

Drivers around retirement age generally enjoy some of the lowest insurance prices you'll ever see. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise premiums.

When looking at MMG and Safety specifically, which company is best for retired drivers? MMG gets the edge, with rates for drivers 65 and older $81 more affordable than the national average for Safety.

Which is the Best Company for Married Drivers?

MMG Safety

Married couples tend to get slightly less expensive auto insurance prices than single policyholders. This usually boils down to married policyholders having more than one vehicle on their policy -- something a lot of car insurance companies will reward with discounts.

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

MMG or Safety: Average Rates by Gender

MMG Safety

Men typically pay more for insurance than women. That's because men are more likely to get into collisions and get speeding tickets, which raises the chances of filing a claim with insurance.

Men usually pay almost 15% more a month than women with MMG, but with Safety, the difference is closer to 5% per month.

Looking at overall affordability, MMG offers the cheapest average prices for both men and women. On average, women save about $102 a month and men save about $96 with MMG compared to the average Safety policyholder.

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MMG vs. Safety: Compare State Minimum vs. Full Coverage Rates

MMG Safety
State Minimum*$77$122
Full Coverage**$160$313

*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, auto 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 for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, MMG has the significant edge, with average monthly premiums coming in at $77. If you want a full coverage policy with the same state minimum limits, MMG again has the edge, with policies averaging around $160 per month to Safety's $313.

Is MMG or Safety Better for Drivers with Spotty Records?

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

At-fault accidents and speeding tickets will most likely raise your prices, but is MMG or Safety cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

MMG Safety
Clean Record$90$129
1 Speeding Ticket$111$190

Policyholders who use MMG for their auto insurance can normally expect their monthly bill to go up about 19% after getting a speeding ticket. Safety policyholders can expect a bit more drastic of an increase of around 32%.

But MMG is usually the less expensive option for both drivers who have clean records and those with a recent ticket, offering premiums that are 30% and 42% cheaper, respectively, compared to Safety Insurance.

Which Company is Best for Drivers After an Accident?

MMG Safety
Clean Record$90$129
1 At-Fault Accident$122$226

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Safety raising by about 43%. MMG has a less extreme rise, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, the more affordable premiums come from MMG, with average rates coming in at $122 compared to Safety Insurance's $226.

Which Company is Best for Drivers with a DUI?

MMG Safety
Clean Record$90$129
1 DUI$151$324

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. Safety drivers usually see a 60% increase in their auto insurance premiums after a DUI charge, while MMG will typically raise prices by around 40%.

But if you end up with a DUI charge and are looking for more affordable rates, MMG tends to be cheaper for the average driver, with monthly premiums coming in at about $151 to Safety's $324.

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How does Credit Score Impact MMG and Safety Rates?

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

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will generally be forced to pay more.

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

MMG Safety
Excellent Credit Score$76$142
Good Credit Score$94$151

Which Company is Best for Drivers with Bad Credit?

MMG Safety
Fair Credit Score$118$188
Poor Credit Score$186$261

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Is MMG or Safety Better for Drivers who Work from Home or Have Short Commutes?

MMG Safety
6,000 Annual Miles$118$216
12,000 Annual Miles$118$219

Did you know that the amount of time you spend in your car have a sizable impact on how much insurance companies will charge for coverage? Normally, the more milage you drive, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much MMG charges. However, there's a small difference in monthly rates for Safety, with policyholders who drive 6,000 miles yearly paying around $3 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, MMG is the less expensive company.

MMG or Safety: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a big role in how much you pay for car insurance. Generally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

MMG Safety
Urban Areas$120$282
Suburban Areas$131$221
Rural Areas$104$148

When comparing these two carriers side-by-side, MMG typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, MMG Insurance's average premiums are about $162 less than Safety Insurance. People who live in suburban areas pay around $90 less with MMG compared to Safety. Those in rural areas can expect to save about $44 with MMG compared to Safety.

MMG vs. Safety Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by MMG and Safety so that you can easily see which company offers the most discounts and, therefore, the largest savings.

MMG Safety
Advance Quote Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Book Transfer Policy Discount 
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
E-Signature Discount 
Employee Discount 
EZ-Pay Credit Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
Paperless Discount 
Passive Restraint Discount 
Renewal Discount

Safety knocks MMG out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than MMG.

Both companies offer a lot of the same discounts -- like distant student discounts, multi-policy discounts, and renewal discounts -- but Safety also offers discounts for advance quote, annual mileage, anti-theft, and more.

On the other hand, MMG has a few proprietary discounts of their own for things like defensive driver discounts, ez-pay credit discounts, and new business discounts.

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Final Thoughts: Is MMG or Safety Best for You?

So, we've broken down the average prices for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which company is the best fit for you?

MMG might be best for you if....

  • You're worried about the impact your credit score will have on your premiums.
  • You want the most robust protection via a "full coverage" policy.
  • You're of retirement age and want to take advantage of lower rates.

Safety might be best for you if...

  • You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare MMG and Safety. We also hope we've given you the information you need to make the best 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 a handful of companies, not just MMG and Safety. Luckily, does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

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MMG vs. Safety FAQs

Is MMG or Safety cheaper?

MMG is the more affordable of the two companies when looking at national average prices, with policies averaging $118 a month with MMG and $217 for Safety. However, that doesn't mean MMG will be the lowest carrier for each driver, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, MMG or Safety?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do MMG and Safety offer me different rates?

Auto insurance carriers use quite a few different variables when calculating the premiums they charge. Factors like where you park your vehicle, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both MMG and Safety calculate prices using different formulas, so it's likely they'll offer different rates. 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 MMG or Safety is right for me?

The only way to find the insurance company 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 make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't MMG or Safety at all, but another you hadn't even thought of!


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.

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