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

Quick Facts

• Based on national averages for auto insurance, Germania offers cheaper rates than State Farm
• Germania offers more affordable premiums for policyholders who have a short commute
• State Farm offers more affordable average rates for residents of rural areas

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

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

You might have narrowed your search down to Germania or State Farm, but which company has less expensive premiums for car insurance?

Looking at the national average rates for both companies, Germania is about $16 per month cheaper than State Farm.

That being said, that doesn't mean Germania will necessarily be less expensive than State Farm for every single driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your driving record, or even your credit score (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

Wanting to know if Germania or State Farm 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 State Farm: Average Car Insurance Rates by State

Germania and State Farm only compete against each other in Texas, where State Farm offers the cheaper average rates. For Texas residents, State Farm offers insurance for $123 monthly on average. Germania's average prices come out to be over 10% more expensive, at $142 per month.

But there's more to calculating car insurance rates than just where you call home. Read on to find out more.

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Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group on the road. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Germania for their insurance pay more than $75 less than those who use State Farm.

Even so, both companies will reduce prices once you turn 25. For example, average rates for Germania policyholders decrease over 50% and State Farm's premiums lower nearly 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you can find.

But who has the best premiums for retired drivers between Germania and State Farm? Germania gets the slight edge here, with average prices coming in at around $108 a month compared to State Farm's $111. However, that difference is less than 5%, which means it ultimately will come down to other factors, such as your credit score or where you live.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable auto insurance rates than single policyholders. That's because policies for married drivers usually cover more than one car, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Germania is the clear winner for single drivers, with prices about $20 a month less expensive than State Farm, on average. It's not quite so glaring for married couples, where drivers who use Germania save around $10 per month.

Germania vs. State Farm: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll typically end up paying more for insurance than women.

Usually, women see premiums almost 10% a month less with Germania, and about 7% less with State Farm when compared to their male counterparts.

Looking at overall affordability, Germania comes out on top for both men and women. On average, women save about $16 per month and men save around $16 with Germania compared to the average State Farm policyholder.

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Germania or State Farm: 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 isn't the easiest topic to understand. There are multiple different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Germania normally offers slightly cheaper prices of $90 compared to State Farm's $99. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies about $20 a month more affordable than State Farm, on average.

Is Germania or State Farm 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 accidents lead to higher rates, but which carrier -- Germania or State Farm -- has the cheapest premiums 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 prices increase after getting a ticket, but State Farm policyholders can expect to see their monthly bill increase by around $20.

That being said, Germania has less expensive rates for drivers in both categories, offering premiums that are 24% and 34% cheaper, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Germania can expect to see about an $30 -- or around 23% -- increase in their insurance rates. Drivers who use State Farm for their car insurance will see a monthly bill about $29 (or 18%) more expensive after reporting an accident to their insurance company.

Overall, Germania offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $132 compared to State Farm's $163.

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 a collision or ticket. Germania drivers usually see a 56% increase in their insurance rates after a DUI charge, while State Farm will normally raise prices by around 25%.

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How does Credit Score Impact Germania and State Farm Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect a lot of policyholders out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

So, which carrier offers the best rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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Is Germania or State Farm 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 considerable impact on your monthly insurance cost? Typically, the more miles you put on your car, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Germania charges. However, there's a small difference in monthly premiums for State Farm, with drivers who put 6,000 miles on their vehicle annually paying about $13 less each month compared to those who drive 12,000 miles every year. Still, Germania is the cheaper option for drivers in both categories.

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

Where you park your car can have a sizable impact on your monthly auto insurance bill. Usually, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads in those areas.

Looking at these companies side-by-side, Germania generally comes out as the more affordable option for drivers in urban and suburban areas, while State Farm wins in rural areas.

In urban areas, Germania Insurance's average prices are around 19% less than State Farm. Drivers in suburban ZIP codes pay about 11% less with Germania compared to State Farm. If you live in a rural area, you can expect to save around 5% with State Farm compared to Germania.

Germania vs. State Farm Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car 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're eligible for or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by Germania and State Farm 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, State Farm comes out ahead with 23 discounts to Germania's 18.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for getting driver training, and multi-policy discounts. State Farm also offers annual mileage discounts, drive safe & save discounts, DRL discounts, and more that Germania does not.

On the flip side, Germania has a couple unique discounts of its own -- academic discounts, advance quote discounts, claim free discounts, and more.

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Final Thoughts: Is Germania or State Farm 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, which insurance company is the best carrier for you and your specific profile and needs?

Germania might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You have less-than-stellar credit.
• You're buying insurance for a teen and looking for a wallet-friendly option.

State Farm might be best for you if...

• You're planning on moving to another state soon -- undefined only offers policies in.
• Your credit score is high.
• You live in a rural area.

We hope this guide has ben a valuable resource as you compare Germania and State Farm. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Germania and State Farm. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

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Germania vs. State Farm FAQs

Is Germania or State Farm cheaper?

Looking just at the national average premiums, Germania is the less expensive of the two companies, offering average rates of $142 per month compared to $158 for State Farm. However, Germania won't necessarily be the cheapest carrier for everyone, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Germania or State Farm?

Unfortunately, the answer truly is "it depends.". One company is not "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Germania and State Farm offer me different rates?

Insurance carriers take a look at lots of different variables when determining the rates they charge policyholders. Things like your driving record, age, where your home is, gender, and sometimes even things like your credit score can all be used. Both Germania and State Farm calculate premiums using different factors, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto 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, 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 insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Germania or State Farm at all!

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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.