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

Quick Facts

• In general, Country Financial offers slightly more affordable prices than General Casualty
• Country Financial has less expensive rates for people who are single and purchasing insurance by yourself
• General Casualty tends to be a much cheaper option for drivers who have received a ticket within the last few years

Country Financial vs. General Casualty: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Country Financial or General Casualty for your next policy, but between the two, which one will offer you more affordable premiums?

Looking at nationwide averages, Country Financial is about $1 per month cheaper than General Casualty.

That being said, that doesn't mean Country Financial will necessarily be less expensive than General Casualty for every driver. Car insurance companies vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and all sorts of other factors, so rates could vary drastically from person to person.

Wanting to know if Country Financial or General Casualty 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 General Casualty: Average Car Insurance Rates by State

Country Financial and General Casualty compete against each other in four states, with Country Financial offering cheaper rates to the average driver in all of them. If you live in Minnesota, General Casualty is the less expensive of the two carriers when looking at the overall average prices. Country Financial is the more affordable option in Arizona, Illinois, and Oregon.

There are plenty of other factors that go into your auto insurance bill than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. That's usually because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $10 less a month by choosing Country Financial over General Casualty.

Even so, both companies will reduce prices once you turn 25. For example, average premiums for Country Financial policyholders decrease more than 45% and General Casualty's rates drop over 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest car insurance prices out there. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase premiums.

But who has the best prices for retired drivers between Country Financial and General Casualty? Country Financial gets the edge here, with average premiums coming in at around $105 monthly compared to General Casualty's $124.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single policyholders than they are for married policyholders. That's normally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

If you're in the market for auto insurance, Country Financial tends to have the lowest average prices regardless of marital status, with prices about 1% cheaper for those who are single and around 1% less expensive for married couples.

Country Financial vs. General Casualty: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, men tend to pay more for car insurance than women.

Men generally pay about 2% more per month than women with Country Financial, and around 10% more with General Casualty.

When it comes to the most affordable rates for each gender, Country Financial is the lowest company for men. Rates with Country Financial are $6 less for men, while women can save about $5 with General Casualty.

Country Financial or General Casualty: 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.

It's no secret that insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, 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 passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Country Financial normally offers slightly more affordable premiums of $82 compared to General Casualty's $82. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies around $1 a month less expensive than General Casualty, on average.

Is Country Financial or General Casualty 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.

It's no secret secret that at-fault collisions and tickets lead to higher rates, but which carrier -- Country Financial or General Casualty -- has the cheapest prices for drivers with less-than-ideal driving 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 General Casualty typically raises rates about $43 a month, on average.

That being said, General Casualty has more affordable premiums for drivers in both categories, offering prices that are 14% and 2% cheaper, respectively, compared to COUNTRY Financial.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with General Casualty increasing by over $55. 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, General Casualty offers the most affordable rates for drivers with an at-fault accident on their records, with monthly prices averaging $146 compared to COUNTRY Financial's $147.

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 -- generally a lot more than an accident or speeding ticket. For example, General Casualty increases average premiums by over $95 per month -- that's over a 50% increase.

If you have a DUI on your record and are looking for more affordable prices, Country Financial tends to be the much less expensive option with average rates of $165 per month compared to $186 from General Casualty.

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

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for lots of drivers.

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

So, which company offers the lowest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with General Casualty. Drivers with "excellent" credit can save more than 10% compared to Country Financial, and those with "good" scores can also expect to see savings -- around $3 or 2% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower prices than General Casualty when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $12 a month less with Country Financial compared to General Casualty, and those with "poor" scores normally save an average of around $7 a month.

Is Country Financial or General Casualty 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 car insurance cost. That's because the fewer miles you put on your vehicle, 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 General Casualty charges. However, there's a small difference in monthly rates for Country Financial, with drivers who put 6,000 miles on their car annually paying about $2 less each month compared to those who drive 12,000 miles every year.

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

Where your home is can have a substantial impact on your monthly insurance payment. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Country Financial tends to offer the cheapest option for drivers in rural and suburban areas, while General Casualty wins in urban areas.

If you live in a rural area, you can expect to save around $22 with Country Financial compared to General Casualty. Drivers in suburban ZIP codes pay about $3 less with Country Financial compared to General Casualty. In urban areas, General Casualty's average rates are around $24 less than COUNTRY Financial.

Country Financial vs. General Casualty 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 car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

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

Looking at the total number of discounts, General Casualty has a slight advantage when it comes to total number of discounts. Country Financial offers a grand total of 10 discounts, while General Casualty has 12.

There are a couple discounts both companies offer, but General Casualty also offers advance quote discounts, distant student discounts, employee 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, group discounts, simply drive discounts, and more.

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

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which carrier is the best carrier for you and your specific needs?

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

• You're single and purchasing auto insurance by yourself.
• Your neighborhood is in a rural area.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

General Casualty might be best for you if...

• You have a clean record.
• You have an at-fault collision on your record.
• You care about discounts (General Casualty offers the most).

We hope this guide helps you get a better idea of the difference between Country Financial and General Casualty. We also hope we've given you the information you need to make the best decision about your auto 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 several companies, not just Country Financial and General Casualty. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Country Financial vs. General Casualty FAQs

Is Country Financial or General Casualty cheaper?

Looking just at the national average rates, Country Financial is the more affordable of the two companies, offering average rates of $138 per month compared to $139 for General Casualty. Even so, Country Financial won't necessarily be the lowest company for each driver, since there are lots of different variables that are considered when it comes to your car insurance cost.

Who is better, Country Financial or General Casualty?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Country Financial offers cheaper prices for drivers with a recent DUI, while General Casualty is less expensive for drivers with excellent credit.

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

Auto insurance carriers take a look at a lot of different factors when calculating the premiums they charge policyholders. Variables like your driving record, age, gender, where you live, and sometimes even things like your credit score can all come into play. Both Country Financial and General Casualty calculate rates differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Country Financial or General Casualty 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 ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Country Financial or General Casualty 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.