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

So, you're in the market for a new car insurance policy. You may have even narrowed down your search to Country Financial and Esurance. But which of these two companies is the best one for you? Read on to find which company has the best prices and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • In general, Country Financial offers significantly cheaper rates than Esurance
  • Country Financial offers more affordable premiums for drivers who have received a ticket within the last few years
  • Esurance offers more discounts than COUNTRY Financial


Country Financial vs. Esurance: 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 Country Financial or Esurance for your next policy, but which company has less expensive prices for auto insurance?

Country Financial Esurance
$138$299

As you can see, Country Financial has average rates that are about 55% per month more affordable than those from Esurance when looking at the national average rates for insurance.

Even so, that doesn't mean Country Financial will necessarily be cheaper than Esurance for every driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things), so rates will vary quite a bit from person to person.

So, if you want to find out which of Country Financial or Esurance is really the best for you, keep reading to see average premiums for each carrier broken down by several different rate factors.

Country Financial or Esurance: Average Car Insurance Rates by State

State Country Financial Esurance
AZ$151$192
GA$148$287

Country Financial and Esurance only compete against each other in two states, with Country Financial offering more affordable rates to the average driver in all of them. Georgia has the most noticable difference, where Country Financial premiums are over 70% less expensive than insurance prices at Esurance.

That being said, there's a lot more that goes into your auto insurance bill than just where you call home. Read on to find out more.


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Which is the Best Company For Young Drivers?

Country Financial Esurance
18-year-old drivers$258$711
25-year-old drivers$139$233

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. That's 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 prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Country Financial for their insurance pay more than $450 less than those who use Esurance.

But both carriers will drop premiums by the time drivers turn 25. For example, average rates for Country Financial policyholders lower over $100 and Esurance's prices reduce nearly $500 over that time.

Which is the Best Company for Retired Drivers?

Country Financial Esurance
65+-year-old drivers$105$232

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

So, which company offers the best rates to retired drivers? Country Financial gets the edge here, with average premiums coming in at around $105 monthly compared to Esurance's $232.

Which is the Best Company for Married Drivers?

Country Financial Esurance
Single$160$361
Married$109$216

Did you know that car insurance prices are typically more expensive for single policyholders than they are for married drivers? That's because policies for married policyholders generally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Country Financial is the clear winner for single drivers, with premiums about $201 a month cheaper than Esurance, on average. The advantage is also clear for married couples - Country Financial offers the cheapest average rates.

Country Financial vs. Esurance: Average Rates by Gender

Country Financial Esurance
Male$140$309
Female$137$288

Men are statistically more likely than women to get into an accident or get pulled over for speeding. That means when it comes to auto insurance men will usually end up paying a little more.

Men normally pay around 2% more per month than women with Country Financial, while with Esurance, the difference is closer to 7% a month.

Looking at overall affordability, Country Financial comes out as the most affordable option for both genders. On average, women save about $151 per month and men save about $169 with Country Financial compared to the average Esurance policyholder.


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Country Financial or Esurance: Compare State Minimum vs. Full Coverage Rates

Country Financial Esurance
State Minimum*$82$201
Full Coverage**$194$396

*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. There are a range of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum liability insurance, Country Financial usually offers significantly less expensive prices of $82 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies around $200 a month more affordable than Esurance, on average.

Is Country Financial or Esurance 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 at-fault accidents and tickets on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial Esurance
Clean Record$105$242
1 Speeding Ticket$136$287

Country Financial policyholders can expect their prices to go up an average of $31 per month if they get a ticket, while Esurance generally raises premiums about $45 a month, on average.

However, Country Financial has less expensive rates for drivers in both categories. Drivers with a clean record can save around $137 per month and drivers with a speeding ticket can save about $151 a month with COUNTRY Financial.

Which Company is Best for Drivers After an Accident?

Country Financial Esurance
Clean Record$105$242
1 At-Fault Accident$147$364

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Esurance increasing by over $100. Country Financial has a less extreme climb, but you can still expect to pay more than $40 more than you were prior to your first collision.

Overall, drivers who use Country Financial end up with the cheaper prices after an accident, with monthly prices averaging $147 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

Country Financial Esurance
Clean Record$105$242
1 DUI$165$301

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. Country Financial drivers usually see a 36% increase in their insurance rates after a DUI charge, while Esurance will normally climb prices by around 20%.

If you have a DUI on your record and are looking for more affordable premiums, Country Financial tends to be the much cheaper option with average prices of $165 per month compared to $301 from Esurance.


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How does Credit Score Impact Country Financial and Esurance Rates?

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly car insurance rates. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

The reasoning 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 premiums, while those with poor credit will typically be forced to pay more.

So, which carrier offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Country Financial Esurance
Excellent Credit Score$116$214
Good Credit Score$121$266

If you have solid credit, you'll usually find a better deal with Country Financial. Policyholders with "excellent" credit can save over 45% compared to Esurance, and those with "good" scores can also expect to see savings -- about $145 or 55% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Country Financial Esurance
Fair Credit Score$127$305
Poor Credit Score$188$424

Country Financial typically offers lower rates than Esurance when it comes to drivers with bad credit. Drivers with "fair" credit pay around $178 per month less with Country Financial compared to Esurance, and those with "poor" scores generally save an average of about $236 a month.


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Is Country Financial or Esurance Better for Drivers who Work from Home or Have Short Commutes?

Country Financial Esurance
6,000 Annual Miles$137$298
12,000 Annual Miles$139$299

Did you know that the amount of time you spend in your car have a substantial impact on your monthly auto insurance cost? Normally, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

Country Financial tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Country Financial's average rates for drivers with 6,000 annual miles come in just under 55% more affordable than Esurance. Those who drive 12,000 miles annually can expect to pay nearly 55% less with Country Financial over Esurance.

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

Where you live can have a sizable impact on your monthly car insurance payment. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

Country Financial Esurance
Urban Areas$175$396
Suburban Areas$131$288
Rural Areas$109$211

When comparing these two companies side-by-side, Country Financial typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but Country Financial comes out on top with average prices around $109 monthly. Country Financial also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a $221 and $157 a month respective difference when compared to Esurance drivers in similar areas.

Country Financial vs. Esurance Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Below, we've taken a look at all of the different discounts Country Financial and Esurance offer their customers so that you can find the one that has the most discounts and, therefore, the biggest savings.

Country Financial Esurance
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount
Defensive Driver Discount
Driver Training Discount 
DRL Discount 
Education Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount
Occupation Discount 
Online Quote Discount 
Paid In Full Discount 

Esurance blows Country Financial away when it comes to the sheer amount of discounts available, offering 14 more discounts than Country Financial.

There are a couple discounts both companies offer, but Esurance also offers ABS discounts, advance quote discounts, agency transfer 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.


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

So, you've seen how different variables can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best carrier for you and your specific driver profile?

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

  • You haven't received any speeding tickets or been in an accident in the last few years.
  • Your credit is less-than-stellar.
  • You live in a rural area.


Esurance might be best for you if...

  • You're planning on moving to another state soon -- COUNTRY Financial only offers policies in seven states.
  • You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Country Financial and Esurance. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Country Financial and Esurance. 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 insurance companies in your area, all for free.


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Country Financial vs. Esurance FAQs

Is Country Financial or Esurance cheaper?

Looking just at the national average premiums, Country Financial is the more affordable of the two carriers, offering average rates of $138 per month compared to $299 for Esurance. Even so, Country Financial won't necessarily be the cheapest carrier for everyone, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Esurance?

Unfortunately, the real answer is "it depends.". One company is not "better" for each driver -- it all depends on what your unique car insurance profile looks like.

Why do Country Financial and Esurance offer me different rates?

Auto insurance companies take a look at quite a few different variables when calculating the rates they charge policyholders. Things like age, gender, where you call home, your driving record, and sometimes even things like your credit score can all come into play. Both Country Financial and Esurance calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the 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 free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Country Financial or Esurance 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.

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