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

Quick Facts

• In general, Farmers Automobile offers less expensive prices than Country Financial
• Country Financial tends to be a much more affordable option for drivers with a DUI charge on their record
• Farmers Automobile offers cheaper average premiums for drivers who have an at-fault accident on their record

Country Financial vs. Farmers Automobile: Which Company has the Cheapest Car Insurance?

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

You might be considering Country Financial or Farmers Automobile, but between the two, which carrier has less expensive prices for car insurance?

Looking at the national average rates for both companies, Country Financial is about $15 more per month than Farmers Automobile.

Even so, that doesn't mean Farmers Automobile will necessarily be more affordable than Country Financial for each driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things). So, at the end of the day, rates from every company will differ quite a bit from person to person.

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

Country Financial or Farmers Automobile: Average Car Insurance Rates by State

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

There's a lot more that goes into your car insurance bill than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 Country Financial save more than $15 a month compared to those who use Farmers Automobile.

That being said, with both companies, you'll see your premiums lower significantly once you turn 25. Farmers Automobile offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Country Financial's average prices decrease over 45% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Country Financial and Farmers Automobile? Farmers Automobile gets the slight edge here, with average prices coming in at around $96 monthly compared to Country Financial's $105.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are usually more expensive for those who are single than they are for married drivers? This usually boils down to married couples having more than one car on their policy -- something several car insurance carriers will reward with discounts.

When it comes to relationship status, Farmers Automobile is the clear winner for single policyholders, with prices about $16 per month cheaper than Country Financial, on average. The advantage is also clear for married policyholders - Farmers Automobile offers the cheapest average rates.

Country Financial vs. Farmers Automobile: Average Rates by Gender

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

Usually, women see prices around 2% a month less with Country Financial, while with Farmers Automobile, the difference is closer to 1% per month.

When it comes to the most affordable rates for each gender, Farmers Automobile comes out as the lowest option for both genders, with average premiums $17 less for men and $15 cheaper for women.

Country Financial or Farmers Automobile: 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 can be pretty complicated. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy.

However, 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 a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Farmers Automobile typically offers slightly less expensive rates of $75 compared to Country Financial's $82. When it comes to full coverage policies with similar limits, Farmers Automobile again has the edge, with policies about $25 a month cheaper than Country Financial, on average.

Is Country Financial or Farmers Automobile Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 tickets and accidents 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?

Country Financial policyholders can expect their premiums to go up an average of $31 per month if they get a ticket, while Farmers Automobile generally raises prices around $22 a month, on average.

But Farmers Automobile is typically the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 17% more affordable for drivers with clean records and 20% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Country Financial can expect to see about an $42 -- or around 29% -- increase in their car insurance premiums. Drivers who use Farmers Automobile for their insurance will see a monthly bill about $30 (or 26%) more expensive after reporting an accident to their auto insurance company.

Overall, the cheaper rates come from Farmers Automobile, with monthly prices averaging $117 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 ticket when it comes to your car insurance bill. On average, Farmers Automobile will increase your premiums around 51% after a DUI, while Country Financial's average rates rise by over 35%.

If you have a DUI on your record and are looking for more affordable prices, Country Financial tends to be the much more affordable option with average premiums of $165 per month compared to $178 from Farmers Automobile.

How does Credit Score Impact Country Financial and Farmers Automobile Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly auto 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.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Country Financial and Farmers Automobile, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Farmers Automobile. Drivers with "excellent" credit can save more than 30% compared to Country Financial, and those with "good" scores can also expect to see savings -- about $22 or 18% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around $4 less with Farmers Automobile than Country Financial, but those whose credit is considered "poor" have it flipped -- saving about $1 per month with Country Financial.

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

How much you drive can have a considerable impact on your monthly prices. Normally, the more miles you drive, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Farmers Automobile offers less expensive rates than Country Financial. Country Financial average prices for drivers with 6,000 annual miles come in around $25 more expensive than Farmers Automobile. Those who drive 12,000 miles each year can expect to pay about $6 more with Country Financial over Farmers Automobile.

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

Where your home is can have a large impact on your monthly car insurance cost. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Looking at these companies side-by-side, Farmers Automobile generally comes out as the more affordable option for drivers in rural and suburban areas, while Country Financial wins in urban areas.

For drivers in urban ZIP codes, Country Financial's average premiums are around $175 a month compared to Farmers Automobile's $192. People in suburban areas pay about $92 with Farmers Automobile compared to Country Financial's $131 a month. Those in rural areas can expect to pay around $84 per month with Farmers Automobile compared to Country Financial's $109.

Country Financial vs. Farmers Automobile 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, and the best way to do that is by utilizing as many insurance discounts as you can.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Country Financial and Farmers Automobile so that you can see which company can save you the most money each month.

Looking at the total number of discounts, Farmers Automobile has a slight advantage when it comes to total number of discounts. Country Financial offers a grand total of 10 discounts, while Farmers Automobile has 11.

There are a couple discounts both carriers offer, but Farmers Automobile also offers advance quote discounts, EFT discounts, hybrid vehicle 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, passive restraint discounts, and more.

Final Thoughts: Is Country Financial or Farmers Automobile Best for You?

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

Farmers Automobile might be best for you if....

• You have an at-fault accident on your record.
• Your credit score is high.
• You are over 65 years old and want to save some money on your insurance.

Country Financial might be best for you if...

• You have a DUI charge on your record.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Country Financial and Farmers Automobile. 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 car insurance policy is to compare quotes from several companies, not just Country Financial and Farmers Automobile. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Country Financial vs. Farmers Automobile FAQs

Is Country Financial or Farmers Automobile cheaper?

Looking just at the national average rates, Farmers Automobile is the cheaper of the two companies, offering average rates of $123 per month compared to $138 for Country Financial. Even so, Farmers Automobile won't necessarily be the lowest company for every policyholder, since there are several different variables that are considered when it comes to your car insurance payment.

Who is better, Country Financial or Farmers Automobile?

Unfortunately, the real answer is "it depends.". One carrier is not "better" for each driver -- it all comes down to what your unique insurance profile looks like. For example, Farmers Automobile offers more affordable premiums for policyholders with an at-fault collision on their record, while Country Financial is less expensive for drivers who have less-than-stellar credit scores.

Why do Country Financial and Farmers Automobile offer me different rates?

Auto insurance carriers take a look at lots of different factors when calculating the rates they charge drivers. Things like gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Farmers Automobile calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers 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 area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be Country Financial or Farmers Automobile 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.