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

Quick Facts

• In general, Country Financial offers significantly less expensive rates than Farmers Union
• Country Financial has cheaper premiums for residents of urban areas
• Farmers Union offers more discounts than COUNTRY Financial

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Country Financial or Farmers Union as potential options, but between the two, which company will save you the most?

As you can see, Farmers Union is quite a bit more expensive than Country Financial, with prices averaging $189 per month compared to just $138 with Country Financial when looking at the national average rates for auto insurance.

However, that doesn't mean Country Financial will necessarily be less expensive than Farmers Union for every single driver. Insurance companies vary their rates depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and a variety of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Country Financial or Farmers Union is really the best for you, keep reading to see average rates for each carrier broken down by a variety of different rate factors.

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

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

But there's more to calculating insurance rates than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. Usually, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. Just look at the table above -- where 18-year-old drivers who have Country Financial for their auto insurance pay more than $100 less than those who use Farmers Union.

But both carriers will lower rates once you turn 25. For example, average prices for Country Financial policyholders reduce over 45% and Farmers Union's premiums decrease nearly 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest insurance rates you'll ever see. 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 Country Financial and Farmers Union specifically, which company is best for retired drivers? Country Financial gets the edge here, with average prices coming in at about $105 per month compared to Farmers Union's $148.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married couples than they are for those who are single. That's because policies for married drivers 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 policyholders, with prices around $56 a month cheaper than Farmers Union, on average. The advantage for married policyholders with Country Financial is also obvious, where drivers save almost $45 per month.

Country Financial vs. Farmers Union: Average Rates by Gender

Did you know women typically pay less for car insurance than men? This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher premiums.

On average, men see rates about $3 a month higher with Country Financial, and more than $10 with Farmers Union.

When it comes to the most affordable premiums for each gender, Country Financial offers the lowest average prices for both men and women. On average, male drivers save about $55 per month and women save around $47 with Country Financial compared to the average Farmers Union policyholder.

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

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Country Financial usually offers more affordable premiums of $82 compared to Farmers Union's $107. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies about $75 a month cheaper than Farmers Union, on average.

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

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial policyholders can expect their prices to go up an average of $31 per month if they get a ticket, while Farmers Union generally raises rates around $50 a month, on average.

That being said, Country Financial is normally the more affordable option for drivers both with clean records and with a speeding ticket, offering premiums that are 24% and 28% less expensive, respectively, compared to Farmers Union Insurance.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in a collision can expect to see their prices climb by over $40, while those who have insurance through Farmers Union will see about a $70 increase.

Overall, the more affordable rates come from Country Financial, with monthly premiums averaging $147 compared to Farmers Union Insurance's $207.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than an accident or ticket. For example, Farmers Union increases average rates by over $85 per month -- that's just under a 40% increase.

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 a month compared to $225 from Farmers Union.

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

Did you know that many car insurance carriers take your credit score into account when calculating premiums? 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 several policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking specifically at Farmers Union and Country Financial, which carrier has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Country Financial. Drivers with "excellent" credit can save nearly 20% compared to Farmers Union, and those with "good" scores can also expect to see savings -- around $43 or 26% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower rates than Farmers Union when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $63 a month less with Country Financial compared to Farmers Union, and those with "poor" scores generally save an average of around $73 monthly.

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

How much you drive can have a big impact on your monthly prices. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers Union charges. However, there's a small difference in monthly premiums for Country Financial, with drivers who put 6,000 miles on their vehicle annually paying about $2 less every month compared to those who drive 12,000 miles yearly. Still, Country Financial is the less expensive option for drivers in both categories.

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

Where you park your car can play a pretty big role in how much you pay for car insurance. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of vehicles that are on the roads in those areas.

Country Financial tends to offer the lowest premiums 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 prices from both carriers, but Country Financial comes out on top with average rates around $109 a month. Country Financial also has more affordable average prices for drivers in urban and suburban ZIP codes -- a 23% and 24% per month respective difference when compared to Farmers Union policyholders in similar areas.

Country Financial vs. Farmers Union 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 taking advantage of as many 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 qualify for.

Below, we've taken a look at all of the different discounts Country Financial and Farmers Union offer their customers so that you can see which one can save you the most money each month.

Overall, Farmers Union has a slight advantage when it comes to total number of discounts. Country Financial offers a grand total of 10 discounts, while Farmers Union has 11.

There are a couple discounts both companies offer, but Farmers Union also offers distant student discounts, farm discounts, good driving discounts, and more that Country Financial does not.

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

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

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

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

• You're single and purchasing car insurance by yourself.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Farmers Union might be best for you if...

• You're looking for discounts -- Farmers Union has the most.

We hope this guide has ben a valuable resource as you compare Country Financial and Farmers Union and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Country Financial and Farmers Union. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

Country Financial vs. Farmers Union FAQs

Is Country Financial or Farmers Union cheaper?

Looking just at the national average rates, Country Financial is the cheaper of the two carriers, offering average rates of $138 a month compared to $189 for Farmers Union. However, Country Financial won't necessarily be the cheapest carrier for each policyholder, since there are lots of different variables that are considered when it comes to your car insurance cost.

Who is better, Country Financial or Farmers Union?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

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

Insurance companies take a look at many different factors when determining the premiums they charge drivers. Variables like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Country Financial and Farmers Union calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance company 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 make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Country Financial or Farmers Union 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.