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

Quick Facts

• In general, Cig offers cheaper rates than Country Financial
• Cig has more affordable premiums for drivers with a DUI charge on their record
• Cig offers more discounts than COUNTRY Financial

Cig vs. Country Financial: 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 be considering Cig or Country Financial for your next policy, but between the two, which one will offer you cheaper prices?

Looking at the national average rates for both companies, Cig has average rates that are about 14% per month less expensive than those from Country Financial.

That being said, that doesn't necessarily mean Cig will be the more affordable option for every single driver. Insurance carriers vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and all sorts of other factors, so premiums will differ quite a bit from person to person.

So, if you want to find out which of Cig or Country Financial is really the best for you, keep reading to see average prices for each company broken down by a range of different rate factors.

Cig or Country Financial: Average Car Insurance Rates by State

Cig and Country Financial only compete against each other in one states, with Cig offering less expensive premiums to the average driver in all of them. Oregon has the most noticable difference, where Cig rates are over 20% cheaper than auto insurance prices at Country Financial.

But there's more to calculating insurance rates 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 car insurance premiums of any other group of drivers out there on the road. It's typically because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Cig save nearly $20 a month compared to those who use Country Financial.

However, both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Cig policyholders decrease more than $100 and Country Financial's prices lower around $100 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever see.

So, which carrier offers the best premiums to retired drivers? Cig gets the edge, with rates for drivers 65 and older almost 20% more affordable than the national average for Country Financial.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are normally more expensive for single drivers than they are for married policyholders? That's because policies for married drivers usually cover multiple cars, which lots of carriers will offer you a discount for.

When it comes to relationship status, Cig is the clear winner for those who are single, with prices about $21 per month cheaper than Country Financial, on average. The advantage for married couples with Cig is also obvious, where drivers save over 15% a month.

Cig vs. Country Financial: Average Rates by Gender

Did you know women tend to pay less for auto insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher rates.

With Cig, men generally pay around $4 per month more than women, and about $3 with Country Financial.

When it comes to the lowest premiums for each gender, Cig comes out as the most affordable option for both genders, with average prices 14% less for men and 15% cheaper for women.

Cig or 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 car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum limits for liability insurance, Cig usually offers more affordable rates of $71 compared to Country Financial's $82. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies around $30 a month less expensive than Country Financial, on average.

Is Cig or Country Financial 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their prices to go up an average of $24 per month if they get a ticket, while Country Financial typically raises rates about $31 a month, on average.

Even so, Cig has cheaper premiums for drivers in both categories, offering prices that are 16% and 18% more affordable, respectively, compared to COUNTRY Financial.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Country Financial increasing by over $40. Cig has a less extreme climb, but you can still expect to pay $30 more than you were prior to your first collision.

Overall, the less expensive prices come from Cig, with monthly premiums averaging $118 compared to COUNTRY Financial's $147.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Cig will climb your prices around 44% after a DUI, while Country Financial's average rates increase by over 35%.

If you have a DUI on your record and are looking for more affordable premiums, Cig tends to be the much cheaper option with average prices of $157 per month compared to $165 from Country Financial.

How does Credit Score Impact Cig and Country Financial Rates?

Did you know that many insurance companies take into account your credit score when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for several drivers.

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the best premiums for drivers 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 Cig 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 substantial impact on your monthly prices? Normally, the more miles you drive, the more you can expect to pay for coverage.

Cig tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Country Financial's average premiums for drivers with 6,000 annual miles come in just under 20% more expensive than Cig. Those who drive 12,000 miles each year can expect to pay more than 10% more with Country Financial over Cig.

Cig vs. Country Financial: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

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

Policyholders in rural ZIP codes see the most affordable rates from both companies, but Cig comes out on top with average prices about $106 a month. Cig also has less expensive average rates for drivers in urban and suburban ZIP codes -- a $47 and $8 per month respective difference when compared to Country Financial policyholders in similar areas.

Cig vs. Country Financial 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 where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

In the section below, we've taken a look at all of the different discounts Cig 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.

Cig knocks Country Financial out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than Country Financial.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and group discounts. Cig also offers ABS discounts, advance quote discounts, company car discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- discounts for getting driver training, occupation discounts, simply drive discounts, and more.

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

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the best one for you, your vehicle, and your wallet?

Cig might be best for you if....

• You have a speeding ticket on your driving record.
• You live in an suburban area.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Country Financial might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Cig and Country Financial and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Cig 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 quotes from some of the best auto insurance companies in your area, all for free.

Cig vs. Country Financial FAQs

Is Cig or Country Financial cheaper?

Looking just at the national average rates, Cig is the cheaper of the two carriers, offering average rates of $119 a month compared to $138 for Country Financial. But Cig won't necessarily be the lowest carrier for every policyholder, since there are a bunch of different variables that are considered when it comes to your insurance cost.

Who is better, Cig or Country Financial?

Unfortunately, the answer truly is "it depends.". Neither company is necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Cig and Country Financial offer me different rates?

Auto insurance companies take a look at quite a few different factors when determining the prices they charge drivers. Things like age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Cig and Country Financial calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple 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 area information and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Cig or Country Financial at all!

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.