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

Quick Facts

• Looking at the national averages for insurance, Country Financial offers significantly less expensive rates than Hallmark Financial
• Country Financial tends to be a much more affordable option for drivers with a DUI charge on their record
• Country Financial offers more discounts than Hallmark Financial

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

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering big 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 Hallmark Financial for your next policy, but which carrier will offer you cheaper prices?

Looking at the national average rates for both companies, Country Financial has average rates that are about 35% per month less expensive than those from Hallmark Financial.

That being said, Country Financial may not be the most affordable or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Country Financial and Hallmark Financial by multiple different rate factors, so read on to find out which company is the best for you.

Country Financial or Hallmark Financial: Average Car Insurance Rates by State

Country Financial and Hallmark Financial only compete against each other in one states, with Hallmark Financial offering cheaper prices to the average driver in all of them. Nevada has the most noticable difference, where Hallmark Financial rates are more affordable than insurance prices at Country Financial.

That being said, there's a lot more that goes into your auto insurance cost than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for 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 that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of more than $200 less a month by choosing Country Financial over Hallmark Financial.

Even so, both companies will decrease premiums by the time drivers turn 25. Hallmark Financial offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Country Financial still has the cheapest prices at $139 a month.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Country Financial gets the edge, with prices for drivers 65 and older over 30% cheaper than the national average for Hallmark Financial.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for those who are single than they are for married drivers. That's because policies for married couples normally cover several cars, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Country Financial is the clear winner for single drivers, with premiums around $95 per month more affordable than Hallmark Financial, on average. The advantage for married policyholders with Country Financial is also obvious, where drivers save nearly 30% a month.

Country Financial vs. Hallmark Financial: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets. That means when it comes to car insurance men will generally end up paying a little more.

With Country Financial, men usually pay about $3 per month more than women, while with Hallmark Financial, the difference is closer to $20 a month.

Looking at the data for each company specifically, Country Financial comes out as the most affordable option for both genders. On average, women save about $64 per month and men save around $81 with Country Financial compared to the average Hallmark Financial policyholder.

Country Financial or Hallmark Financial: 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 auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, Country Financial generally offers significantly less expensive prices of $82 compared to Hallmark Financial's $115. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies about $100 a month more affordable than Hallmark Financial, on average.

Is Country Financial or Hallmark Financial 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.

Accidents and tickets will most likely raise your rates, but is Country Financial or Hallmark Financial less expensive for drivers with less-than-perfect 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 Hallmark Financial normally raises prices around $14 a month, on average.

That being said, Country Financial has cheaper premiums for drivers in both categories. Drivers with a clean record can save about $89 per month and drivers with a speeding ticket can save around $72 a month with COUNTRY Financial.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with Country Financial climbing by over $40. Hallmark Financial has a less extreme raise, but you can still expect to pay $35 more than you were prior to your first collision.

Overall, Country Financial offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $147 compared to Hallmark Financial's $229.

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 auto insurance bill -- typically a lot more than a collision or ticket. For example, Country Financial increases average rates by $60 per month -- that's over a 35% increase.

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 rates of $165 monthly compared to $212 from Hallmark Financial.

How does Credit Score Impact Country Financial and Hallmark Financial Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it might come into play for several drivers.

The reasoning insurance companies 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 usually be forced to pay more.

Looking specifically at Country Financial and Hallmark Financial, which one has the lowest prices for drivers 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. Policyholders with "excellent" credit can save more than 35% compared to Hallmark Financial, and those with "good" scores can also expect to see savings -- about $74 or 38% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Hallmark Financial when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $82 a month less with Country Financial compared to Hallmark Financial, and those with "poor" scores generally save an average of about $71 per month.

Is Country Financial or Hallmark Financial 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 substantial impact on your monthly rates? Usually, those who drive less will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Hallmark Financial charges. However, there's a small difference in monthly rates for Country Financial, with policyholders who drive the least paying around $2 less every month compared to those who drive 12,000 miles yearly. Still, Country Financial is the more affordable option for drivers in both categories.

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

Where you park your vehicle can have a pretty big impact on your monthly auto insurance bill. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Country Financial typically comes out as the cheapest 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 companies, but Country Financial comes out on top with average prices about $109 a month. Country Financial also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 22% and 43% per month respective difference when compared to Hallmark Financial drivers in similar areas.

Country Financial vs. Hallmark Financial Discounts

Regardless of why you might be in the market for a new car 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 find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

In the section below, we've broken down all of the different discounts offered by both Country Financial and Hallmark Financial so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Country Financial knocks Hallmark Financial out of the park when it comes to the sheer number of discounts available, offering 10 different discounts to Hallmark Financial's four.

A couple of those are overlapping for things like discounts for being a defensive driver and passive restraint discounts. Country Financial also offers anti-theft discounts, driver training discounts, good student discounts, and more that Hallmark Financial does not.

On the flip side, Hallmark Financial has a couple unique discounts of its own -- education discounts and foreign license discounts.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, at the end of the day, is Country Financial or Hallmark Financial the best company for you and your specific needs?

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

• You want to save money on your car insurance after a collision.
• You want basic insurance coverage at the state minimum limits.
• You have a short drive to work everyday.

Hallmark Financial might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Country Financial and Hallmark Financial and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of companies, not just Country Financial and Hallmark Financial. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Country Financial vs. Hallmark Financial FAQs

Is Country Financial or Hallmark Financial cheaper?

Looking just at the national average prices, Country Financial is the less expensive of the two companies, offering average rates of $138 a month compared to $211 for Hallmark Financial. However, Country Financial won't necessarily be the most affordable carrier for each policyholder, since there are lots of different factors that are considered when it comes to your auto insurance payment.

Who is better, Country Financial or Hallmark Financial?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Country Financial and Hallmark Financial offer me different rates?

Insurance carriers take a look at lots of different variables when calculating the rates they charge policyholders. Factors such as age, gender, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Country Financial and Hallmark Financial calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does 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. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Country Financial or Hallmark Financial 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.