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

Quick Facts

• In general, Country Financial offers significantly more affordable premiums than California Casualty
• California Casualty may help you save more money -- they offer more discounts than COUNTRY Financial
• Country Financial tends to be a much less expensive option for policyholders who drive fewer than 12,000 miles every year

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to California Casualty or Country Financial for your next policy, but which one has cheaper rates for insurance?

Looking at the national average rates for both carriers, California Casualty is quite a bit more expensive than Country Financial, with prices averaging $201 a month compared to just $138 with Country Financial.

Even so, that doesn't necessarily mean Country Financial will be the more affordable option for each driver. Car insurance companies vary their rates depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a variety of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

Wanting to know if California Casualty or Country Financial is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

California Casualty vs. Country Financial: Average Car Insurance Rates by State

California Casualty and Country Financial only compete against each other in one states, with Country Financial offering less expensive prices to the average driver in all of them. Oregon has the most noticable difference, where Country Financial premiums are $100 cheaper than insurance rates at California Casualty.

That being said, there are plenty of other factors that go into your auto insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Country Financial save over 40% per month compared to those who use California Casualty.

But both carriers will decrease prices by the time drivers turn 25. Country Financial offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. California Casualty's average rates drop almost 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable 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 premiums for auto insurance.

When looking at California Casualty and Country Financial specifically, which carrier is best for retired drivers? Country Financial gets the edge here, with average prices coming in at around $105 monthly compared to California Casualty's $149.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive insurance premiums than single policyholders. That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average rates between these two companies is significant, with Country Financial premiums coming in at a third less than California Casualty's. The advantage for married couples with Country Financial is also obvious, where drivers save about $50 a month.

California Casualty or Country Financial: 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 car insurance than women.

Normally, women see prices more than $15 per month more affordable with California Casualty, and around $3 less with Country Financial.

When it comes to the cheapest rates for each gender, Country Financial comes out as the most affordable option for both genders, with average premiums 33% less for men and 29% cheaper for women.

California Casualty 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.

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

However, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability).

Looking specifically at state minimum liability insurance, Country Financial has the significant 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 California Casualty's $281.

Is California Casualty or Country Financial Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which company -- California Casualty or Country Financial -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use California Casualty for their insurance can generally expect their monthly bill to go up around 19% 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 drivers both with a ticket and with a clean record, offering premiums that are $32 and $34 cheaper, respectively, compared to California Casualty.

Which Company is Best for Drivers After an Accident?

California Casualty drivers who get in an accident can expect to see their rates climb by over 30%, while those who have insurance through Country Financial will see around a 30% increase.

At the end of the day, drivers who use Country Financial end up with the cheaper prices after an accident, with average premiums coming in at $147 compared to California Casualty's $198.

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 auto insurance bill. California Casualty drivers usually see a 54% climb in their car insurance prices after a DUI charge, while Country Financial will typically raise rates by about 36%.

But if you end up with a DUI charge and are looking for more affordable premiums, Country Financial tends to be less expensive for the average driver, with monthly premiums coming in at around $165 to California Casualty's $300.

How does Credit Score Impact California Casualty and Country Financial Rates?

Did you know many auto insurance carriers take into account your credit score when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it does affect quite a few policyholders out there.

The reasoning insurance companies use is that drivers 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 usually be forced to pay more.

So, which carrier offers the best 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 California Casualty 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 your monthly premiums. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Country Financial offers cheaper rates than California Casualty. California Casualty's average prices for drivers with 6,000 annual miles come in about 28% more expensive than Country Financial. Those who drive 12,000 miles yearly can expect to pay around 35% more with California Casualty over Country Financial.

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

Where you park your vehicle can play a big role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads where they live.

Country Financial tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about 34% with Country Financial compared to California Casualty. People who live in suburban areas pay around 41% less with Country Financial compared to California Casualty. For policyholders in urban ZIP codes, COUNTRY Financial's average rates are about 20% less than California Casualty.

California Casualty 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 auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

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

Looking at the total number of discounts, California Casualty comes out ahead with 14 discounts to Country Financial's 10.

A couple of those are overlapping for things like discounts for getting driver training, group discounts, and passive restraint discounts. California Casualty also offers discounts for ABS, education, full coverage, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like anti-theft discounts, defensive driver discounts, occupation discounts, and more.

Final Thoughts: Is California Casualty or Country Financial Best for You?

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is California Casualty or Country Financial the right company for you, your vehicle, and your wallet?

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

• Your driving record includes a DUI charge.
• You have above-average credit.
• You live in a rural area.

California Casualty might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between California Casualty and Country Financial and that you can now make a more informed decision when it comes to your car 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 California Casualty and Country Financial. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

California Casualty vs. Country Financial FAQs

Is California Casualty 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 $201 for California Casualty. Even so, that doesn't mean Country Financial will be the most affordable carrier for every policyholder, since there are many different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, California Casualty or Country Financial?

Unfortunately, the real answer is "it depends.". No one company is "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do California Casualty and Country Financial offer me different rates?

Insurance companies use a lot of different variables when calculating the rates they charge. Things such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all come into play. Both California Casualty and Country Financial calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't California Casualty 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.