Allstate vs. Country Financial: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Country Financial offers significantly more affordable premiums than Allstate
• Allstate may help you save more money -- they offer more discounts than COUNTRY Financial
• Country Financial offers less expensive average prices for policyholders who live in rural neighborhoods

Allstate or Country Financial: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Allstate or Country Financial as potential options, but which carrier will offer you cheaper rates?

As you can see, Country Financial is quite a bit cheaper than Allstate, with premiums averaging $138 a month compared to $199 with Allstate when looking at the national average rates for auto insurance.

But that doesn't mean Country Financial will necessarily be less expensive than Allstate for every driver. Insurance carriers vary their prices depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and tons of other factors, so rates could vary drastically from person to person.

Luckily, we've broken down average premiums from both Allstate and Country Financial by lots of different rate factors, so read on to find out which carrier is the best for you.

Allstate vs. Country Financial: Average Car Insurance Rates by State

Allstate and Country Financial compete against each other in seven states, with Country Financial offering cheaper prices to the average driver in all of them. Illinois has the most noticable difference, where Country Financial premiums are $100 more affordable than car insurance rates at Allstate.

But there's more to calculating insurance prices than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. 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.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 40% less per month by choosing Country Financial over Allstate.

However, both companies will offer you dramatically lower prices by the time you turn 25. Country Financial offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average rates drop nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest auto insurance prices you can find. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise rates.

So, which company offers the best premiums to retired drivers? Country Financial gets the edge here, with average prices coming in at around $105 a month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for those who are single than they are for married policyholders. This usually boils down to married couples having multiple vehicles on their policy -- something many auto insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with Country Financial prices coming in at a third less than Allstate's. The advantage for married drivers with Country Financial is also obvious, where drivers save almost 30% a month.

Allstate or Country Financial: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will usually end up paying a little more.

On average, women see premiums about $10 per month less expensive with Allstate, and around $3 with Country Financial.

When it comes to the most affordable rates for each gender, Country Financial offers the lowest average premiums for both men and women, with average rates 31% less for men and 29% cheaper for women.

Allstate vs. Country Financial: 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.

For most people, insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard 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 and passengers if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, Country Financial has the edge, with average monthly prices coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging about $194 a month to Allstate's $289.

Is Allstate or Country Financial Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their auto insurance can normally expect their monthly bill to go up around 15% after getting a speeding ticket. Country Financial policyholders can expect a bit more drastic of an increase of about 23%.

Even so, Country Financial has more affordable rates for drivers in both categories. With COUNTRY Financial, drivers with a clean record can save around $51 per month and drivers with a ticket can save about $47 a month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allstate can expect to see around an $73 -- or about 32% -- rise in their insurance premiums. Drivers who use Country Financial for their auto insurance will see a monthly bill around $42 (or 29%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, Country Financial offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $147 compared to Allstate's $229.

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 car insurance bill. For example, Allstate increases average premiums by more than $70 per month -- that's more than a 30% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Country Financial tends to be cheaper for the average driver, with monthly premiums coming in at about $165 to Allstate's $227.

How does Credit Score Impact Allstate and Country Financial Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly auto insurance prices. This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it does affect several drivers out there.

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 typically be forced to pay more.

Looking specifically at Country Financial and Allstate, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Country Financial will usually reward you the most. For policyholders with "excellent" credit scores, Country Financial comes in 20 less expensive. Drivers with "good" credit scores normally save around 30% with Country Financial compared to average prices from Allstate.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower rates than Allstate when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 37% a month less with Country Financial compared to Allstate, and those with "poor" scores generally save an average of around 32% monthly.

Is Allstate or Country Financial 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 insurance companies will charge for coverage. Typically, those who drive less will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

Country Financial tends to be the cheaper option for both remote workers and those taking short commutes. Allstate's average prices for drivers with 6,000 annual miles come in about 30% more expensive than Country Financial. Those who drive 12,000 miles yearly can expect to pay around 31% more with Allstate over Country Financial.

Allstate or Country Financial: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for auto insurance. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

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

For policyholders in urban ZIP codes, COUNTRY Financial's average premiums are about 21% less than Allstate. People who live in suburban areas pay around 34% less with Country Financial compared to Allstate. Those in rural areas can expect to save about 37% with Country Financial compared to Allstate.

Allstate vs. Country Financial Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing 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 Allstate and Country Financial so that you can see which company can save you the most money each month.

Allstate knocks Country Financial out of the park when it comes to the sheer number of discounts available, offering 30 more discounts than Country Financial.

Both companies offer many of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student -- but Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like group discounts, occupation discounts, simply drive discounts, and more.

Final Thoughts: Is Allstate or Country Financial Best for You?

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is Allstate or Country Financial the best carrier for you and your specific needs?

Country Financial might be best for you if....

• You have a speeding ticket on your driving record.
• Your neighborhood is in a city.
• You live in a rural neighborhood.

Allstate might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Allstate and Country Financial. 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 best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Allstate and Country Financial. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Allstate vs. Country Financial FAQs

Is Allstate or Country Financial cheaper?

Country Financial is the more affordable of the two carriers when looking at national average premiums, with policies averaging $138 per month with Country Financial and $199 for Allstate. That being said, that doesn't mean Country Financial will be the most affordable company for every driver, since there are multiple different variables that come into play when it comes to your auto insurance bill.

Who is better, Allstate or Country Financial?

Unfortunately, the real answer is "it depends.". No one carrier is "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Allstate and Country Financial offer me different rates?

Car insurance companies use lots of different factors when determining the rates they charge. Variables such as age, where you park your vehicle, your driving record, gender, and sometimes even things like your credit score can all be used. Both Allstate and Country Financial calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Allstate or Country Financial is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Allstate or Country Financial at all, but another you hadn't even thought of!

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.