Country Financial vs. Georgia Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• In general, Country Financial offers slightly less expensive premiums than Georgia Farm Bureau
• Country Financial has more affordable prices for residents of suburban areas
• Georgia Farm Bureau offers more affordable premiums for policyholders whose driving record contains an at-fault collision

Country Financial or Georgia Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might have narrowed it down to Country Financial or Georgia Farm Bureau as potential options, but between the two, which one will save you the most?

As you can see, Georgia Farm Bureau is around $6 more a month than Country Financial when looking at the national average rates for insurance.

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

Luckily, we've broken down average prices from both Country Financial and Georgia Farm Bureau by many different rate factors, so read on to find out which carrier is the best for you.

Country Financial vs. Georgia Farm Bureau: Average Car Insurance Rates by State

Country Financial and Georgia Farm Bureau only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average rates. Georgia Farm Bureau drivers tend to pay about $4 per month less on average compared to drivers who use Country Financial for their car insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance companies determine your prices. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any group on the road. That's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of 1% less a month by choosing Country Financial over Georgia Farm Bureau.

Even so, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for Country Financial policyholders decrease over 45% and Georgia Farm Bureau's rates drop almost 50% over that time.

Which is the Best Company for Retired Drivers?

When it comes to 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 prices to retired drivers? Country Financial gets the edge, with premiums for drivers 65 and older $12 more affordable than the national average for Georgia Farm Bureau.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be less expensive for married drivers than they are for single policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something several auto insurance companies will reward with discounts.

If you're in the market for insurance, Country Financial tends to have the cheapest average premiums regardless of relationship status, with prices about 7% cheaper for married policyholders and around 2% more affordable for those who are single.

Country Financial or Georgia Farm Bureau: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to charge women less than men.

On average, men see prices about 2% per month higher with Country Financial, and around 1% with Georgia Farm Bureau.

When it comes to the most affordable rates for each gender, Country Financial comes out on top for both men and women. On average, women save about $6 a month and men save about $5 with Country Financial compared to the average Georgia Farm Bureau policyholder.

Country Financial vs. Georgia Farm Bureau: 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. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Country Financial has the slight edge, with average monthly premiums coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging around $194 per month to Georgia Farm Bureau's $197.

Is Country Financial or Georgia Farm Bureau Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding 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?

Policyholders with Georgia Farm Bureau auto insurance policies don't report seeing their prices increase after getting a ticket, but Country Financial policyholders can expect to see their monthly bill increase by about $30.

If you have gotten a speeding ticket, Georgia Farm Bureau tends to offer the best rates at around 16% cheaper, while Country Financial has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in an accident can expect to see their prices increase by just under 30%, while those who have insurance through Georgia Farm Bureau will see about a 15% increase.

At the end of the day, the less expensive premiums come from Georgia Farm Bureau, with average rates coming in at $133 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 accident or ticket when it comes to your insurance bill. Georgia Farm Bureau drivers usually see a 47% raise in their car insurance premiums after a DUI charge, while Country Financial will typically climb prices by around 36%.

But if you end up with a DUI charge and are looking for more affordable premiums, Country Financial tends to be cheaper for the average driver, with monthly premiums coming in at about $165 to Georgia Farm Bureau's $216.

How does Credit Score Impact Country Financial and Georgia Farm Bureau Rates?

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

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

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

Which Company is Best for Drivers with Good Credit?

If you have great credit, Georgia Farm Bureau will generally reward you the most. For drivers with "excellent" credit scores, Georgia Farm Bureau comes in more than 31.9 less expensive. Drivers with "good" credit scores typically save around 2% with Georgia Farm Bureau compared to average rates from Country Financial.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Georgia Farm Bureau when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 21% a month less with Country Financial compared to Georgia Farm Bureau, and those with "poor" scores generally save an average of around 13% per month.

Is Country Financial or Georgia Farm Bureau 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 considerable impact on how much insurance companies will charge for coverage? That's because the fewer miles you put on your vehicle each year, the less likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Georgia Farm Bureau charges. However, there's a small difference in monthly prices for Country Financial, with drivers who put 6,000 miles on their car every year paying about $2 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Country Financial is the more affordable company.

Country Financial or Georgia Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a big impact on your monthly car insurance bill. Normally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads where they live.

Country Financial usually comes out as the cheaper option for drivers in rural and suburban areas, while Georgia Farm Bureau wins in urban areas.

For drivers in urban ZIP codes, Georgia Farm Bureau Insurance's average prices are around $25 less than COUNTRY Financial. People who live in suburban areas pay about $15 less with Country Financial compared to Georgia Farm Bureau. Those in rural areas can expect to save around $27 with Country Financial compared to Georgia Farm Bureau.

Country Financial vs. Georgia Farm Bureau Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Country Financial and Georgia Farm Bureau so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both carriers offer, but Georgia Farm Bureau also offers discounts for ABS, good driving, multi-car, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like group discounts, occupation discounts, simply drive discounts, and more.

Final Thoughts: Is Country Financial or Georgia Farm Bureau Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Country Financial or Georgia Farm Bureau the right fit for you?

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

• Your driving record includes a DUI charge.
• You live in a rural neighborhood.
• You drive fewer than 6,000 miles yearly.

Georgia Farm Bureau might be best for you if...

• You have an at-fault collision on your record.
• You're looking for the carrier with the most discounts.
• You live in an urban area.

Hopefully, this guide helps you get a better idea of the difference between Country Financial and Georgia Farm Bureau and that you can now make a more informed decision when it comes to 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 carriers, not just Country Financial and Georgia Farm Bureau. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Country Financial vs. Georgia Farm Bureau FAQs

Is Country Financial or Georgia Farm Bureau cheaper?

Country Financial is the more affordable of the two carriers when looking at national average rates, with policies averaging $138 per month with Country Financial and $144 for Georgia Farm Bureau. But that doesn't mean Country Financial will be the lowest company for everyone, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Georgia Farm Bureau?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all boils down to your unique car insurance profile. For example, Country Financial is less expensive for drivers who have less-than-stellar credit scores, while Georgia Farm Bureau offers more affordable prices for policyholders with an at-fault accident on their record.

Why do Country Financial and Georgia Farm Bureau offer me different rates?

Insurance companies use lots of different variables when calculating the premiums they charge. Things such as age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Georgia Farm Bureau calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Country Financial or Georgia Farm Bureau is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple companies 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 quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Country Financial or Georgia Farm Bureau at all, but another you hadn't even thought of!

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.