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

Quick Facts

• Looking at the national averages for insurance, Country Financial offers slightly more affordable prices than American Family
• American Family offers more affordable rates for policyholders who are looking to purchase insurance with a spouse
• Country Financial offers more affordable premiums for policyholders who have a clean record

American Family 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 hefty savings. But exactly how much can you save by switching?

You might be considering American Family or Country Financial as potential options, but between the two, which one will offer you less expensive prices?

Looking at the national average rates for both carriers, American Family is around $2 more a month than Country Financial.

But Country Financial may not be the most affordable or best option for every single driver out there. Car insurance companies vary their rates depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so premiums will change quite a bit from person to person.

Luckily, we've broken down average rates from both American Family and Country Financial by many different rate factors, so read on to find out which company is the best for you.

American Family vs. Country Financial: Average Car Insurance Rates by State

American Family and Country Financial compete against each other in four states, with Country Financial offering cheaper prices to the average driver in all of them. Nevada has the most noticable difference, where Country Financial rates are $146 more affordable than auto insurance premiums at American Family.

That being said, there are plenty of other factors that go into your insurance payment than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

Even so, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Country Financial for their insurance pay almost 15% less than those who use American Family.

However, with both carriers, you'll see your premiums reduce significantly 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. That being said, American Family still has the lowest rates at $121 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest car insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

When looking at American Family and Country Financial specifically, which carrier is best for retired drivers? In this case, Country Financial has the slight edge, with prices about $2 per month less than American Family. That being said, the difference is only around 5%, so other variables (like your driving record is or your credit score) will likely come into play when determining which company has the lowest premiums for you.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally cheaper for married couples than they are for those who are single? That's typically because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

When it comes to relationship status, Country Financial is the winner for single drivers, with premiums about 4% a month less expensive than American Family, on average.

American Family 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 insurance men will usually end up paying a little more.

Generally, women see rates around 3% per month less with American Family, and about 2% less with Country Financial.

Looking at the data for each carrier specifically, Country Financial comes out as the cheapest option for both genders. On average, women save about $1 a month and men save around $3 with Country Financial compared to the average American Family policyholder.

American Family 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, auto insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside liability).

When it comes to state minimum liability limits, Country Financial has the edge, while American Family offers the most affordable average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $15 with COUNTRY Financial, while full coverage comes out to be about $10 cheaper with American Family Insurance.

Is American Family or Country Financial Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

It's no secret secret that speeding tickets and at-fault collisions lead to higher prices, but which company -- American Family or Country Financial -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use American Family for their auto insurance can generally expect their monthly bill to go up around 20% after getting a speeding ticket. Country Financial policyholders can expect a bit more drastic of an increase of about 23%.

That being said, Country Financial tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 11% more affordable for drivers with clean records and 7% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise rates pretty significantly if you get into an at-fault collision with Country Financial increasing by around 29%. American Family has a less extreme rise, but you can still expect to pay nearly 15% more than you were prior to your first accident.

At the end of the day, drivers who use American Family end up with the cheaper prices after an accident, with average prices coming in at $138 compared to COUNTRY Financial's $147.

Which Company is Best for Drivers with a DUI?

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. For example, Country Financial increases average premiums by $60 per month -- that's more than a 35% increase.

But if you end up with a DUI charge and are looking for more affordable prices, American Family tends to be more affordable for the average driver, with monthly premiums coming in at about $158 to Country Financial's $165.

How does Credit Score Impact American Family and Country Financial Rates?

Did you know many insurance companies take your credit score into account when determining rates? 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 quite a few policyholders.

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

So, which carrier offers the cheapest prices 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?

Is American Family or Country Financial 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 pretty big impact on your monthly car insurance bill? Normally, the more milage you put on your car each year, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Country Financial tends to be the cheaper option. Country Financial's average rates for drivers with 6,000 annual miles come in around $1 less expensive than American Family. Those who drive 12,000 miles every year can expect to pay about $4 less with Country Financial over American Family.

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

Where your home is can have a big impact on your monthly insurance cost. Usually, 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.

Country Financial boasts the lowest average prices in rural and suburban areas, while American Family wins in urban areas.

For drivers in urban ZIP codes, American Family's average rates are around $166 a month compared to Country Financial's $175. Drivers in suburban ZIP codes pay a monthly premium of about $131 with Country Financial compared to $134 with American Family. If you live in a rural area, you can expect to pay around $109 monthly with Country Financial compared to American Family's $121.

American Family vs. Country Financial Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many 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 looked at all of the different discounts American Family and Country Financial offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

American Family knocks Country Financial out of the park when it comes to the sheer number of discounts available, offering 21 different discounts to Country Financial's 10.

There are a couple discounts both companies offer, but American Family also offers discounts for advance quote, connect partner, COVID-19 relief, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like driver training discounts, occupation discounts, passive restraint discounts, and more.

Final Thoughts: Is American Family or Country Financial Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is American Family or Country Financial the right fit for you?

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

• You will be the only person on the auto insurance policy.
• You live in a rural neighborhood.
• You don't spend much time in your car.

American Family might be best for you if...

• Your driving record contains an at-fault accident.
• You care about discounts (American Family offers the most).
• You and your spouse are buying insurance together.

Hopefully, this guide helps you get a better idea of the difference between American Family and Country Financial and that it aids in making a more informed decision about your car 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 multiple carriers, not just American Family and Country Financial. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

American Family vs. Country Financial FAQs

Is American Family or Country Financial cheaper?

Country Financial is the cheaper of the two carriers when looking at national average rates, with policies averaging $138 per month with Country Financial and $140 for American Family. Even so, that doesn't mean Country Financial will be the most affordable company for each driver, since there are several different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, American Family or Country Financial?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like. For example, Country Financial is less expensive for drivers who have less-than-stellar credit scores, while American Family offers more affordable prices for drivers with an at-fault collision on their record.

Why do American Family and Country Financial offer me different rates?

Auto insurance companies use many different factors when calculating the rates they charge. Variables like where you call home, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both American Family and Country Financial calculate premiums using different factors, so it's likely they'll offer different prices. 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 American Family or Country Financial is right for me?

The only way to find the car 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, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't American Family 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.