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

You've probably seen ads offering big savings on insurance, but are Country Financial or Key right for you? Which company offers the lowest prices, or the most discounts? Read on to see how Country Financial and Key compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Looking at the national averages for car insurance, Country Financial offers significantly more affordable premiums than Key
  • Country Financial offers more discounts than Key Insurance Company
  • Country Financial offers more affordable rates for drivers who have an at-fault accident on their record

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

So, you're thinking about switching your auto insurance. 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 your search down to Country Financial or Key as your top options, but between the two, which one will save you the most?

Country Financial Key

Looking at the national average rates for both companies, Country Financial has average rates that are about 50% per month less expensive than those from Key.

But Country Financial may not be the most affordable or best option for each driver out there. Insurance carriers use a variety of complex algorithms to calculate premiums, so depending on how old you are or where you live (among many other factors), you could see wildly different prices from the ones above.

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

Country Financial or Key: Average Car Insurance Rates by State

State Country Financial Key

Country Financial and Key only compete against each other in Nevada, where Country Financial offers the cheaper average premiums. For Nevada residents, Country Financial offers auto insurance for $134 per month on average. Key's average prices come out to be over 70% more expensive, at $285 monthly.

There's a lot more that goes into your car insurance payment than just the state you live in. Keep reading to learn more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Country Financial Key
18-year-old drivers$258$679
25-year-old drivers$139$234

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

That being said, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Country Financial for their car insurance pay more than $400 less than those who use Key.

However, with both companies, you'll see your rates lower significantly by the time you turn 25. For example, average premiums for Country Financial policyholders drop over 45% and Key's prices decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

Country Financial Key
65+-year-old drivers$105$223

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

But who has the best premiums for retired drivers between Country Financial and Key? Country Financial gets the edge here, with average rates coming in at around $105 a month compared to Key's $223.

Which is the Best Company for Married Drivers?

Country Financial Key

Did you know that insurance premiums are usually cheaper for married couples than they are for single policyholders? That's because policies for married policyholders normally cover more than one car, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Country Financial is the clear winner for those who are single, with prices about $185 a month less expensive than Key, on average. The advantage for married drivers with Country Financial is also obvious, where drivers save around $95 per month.

Country Financial vs. Key: Average Rates by Gender

Country Financial Key

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll generally end up paying more for car insurance than women.

Usually, men see rates about $3 a month higher with Country Financial, and around $53 more with Key.

Looking at the data for each carrier specifically, Country Financial offers the lowest average premiums for both men and women. On average, male drivers save about $171 per month and women save about $121 with Country Financial compared to the average Key policyholder.

Find your best rate in just a few minutes

Country Financial or Key: Compare State Minimum vs. Full Coverage Rates

Country Financial Key
State Minimum*$82$196
Full Coverage**$194$373

*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 isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages 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 provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability insurance, Country Financial typically offers significantly more affordable prices of $82 compared to Key's $196. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies around $200 a month cheaper than Key, on average.

Is Country Financial or Key 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.

It's no secret secret that tickets and accidents lead to higher rates, but which company -- Country Financial or Key -- has the most affordable premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial Key
Clean Record$105$210
1 Speeding Ticket$136$210

Drivers with Key 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 25%.

Even so, Country Financial tends to offer the best prices for drivers both with a ticket and with a clean record. Drivers with a clean record can save around $105 per month with COUNTRY Financial, and the same can be said for those with a speeding ticket, too.

Which Company is Best for Drivers After an Accident?

Country Financial Key
Clean Record$105$210
1 At-Fault Accident$147$235

After an accident, drivers who have their car insurance through Country Financial can expect to see about an $42 -- or around 29% -- increase in their insurance rates. Drivers who use Key for their car insurance will see a monthly bill about $25 (or 11%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use Country Financial end up with the cheaper prices after an accident, with monthly premiums averaging $147 compared to Key Insurance Company's $235.

Which Company is Best for Drivers with a DUI?

Country Financial Key
Clean Record$105$210
1 DUI$165$483

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. For example, Key increases average rates by over $250 a month -- that's over a 55% 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 $483 from Key.

Find your best rate in just a few minutes

How does Credit Score Impact Country Financial and Key Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly insurance prices. This isn't always the case (for example, California and Michigan are two states that ban the practice entirely), but it does affect many policyholders out there.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive premiums.

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

Which Company is Best for Drivers with Good Credit?

Country Financial Key
Excellent Credit Score$116$285
Good Credit Score$121$285

If you have solid credit, you'll usually find a better deal with Country Financial. Drivers with "excellent" credit can save just under 60% compared to Key, and those with "good" scores can also expect to see savings -- around $164 or 58% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Country Financial Key
Fair Credit Score$127$285
Poor Credit Score$188$285

Country Financial typically offers lower premiums than Key when it comes to drivers with bad credit. Drivers with "fair" credit pay about $158 per month less with Country Financial compared to Key, and those with "poor" scores usually save an average of around $97 a month.

Find your best rate in just a few minutes

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

Country Financial Key
6,000 Annual Miles$137$285
12,000 Annual Miles$139$285

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. Generally, those who drive fewer miles will end up with more affordable rates 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 Key charges. However, there's a small difference in monthly premiums for Country Financial, with policyholders who drive 6,000 miles every year paying about $2 less each 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. Key: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a considerable role in how much you pay for auto insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Country Financial Key
Urban Areas$175$386
Suburban Areas$131$234
Rural Areas$109$234

Country Financial boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, COUNTRY Financial's average premiums are around $211 less than Key Insurance Company. Drivers in suburban ZIP codes pay about $103 less with Country Financial compared to Key. If you live in a rural area, you can expect to save around $125 with Country Financial compared to Key.

Country Financial vs. Key Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult 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 table below, we've broken down all of the different discounts offered by both Country Financial and Key so that you can see which carrier can save you the most money each month.

Country Financial Key
Anti-Theft Discount 
Defensive Driver Discount
Driver Training Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Multi-Car Discount 
Multi-Policy Discount 
Occupation Discount 
Passive Restraint Discount
Simply Drive Discount 
Telematics Discount 

Country Financial knocks Key out of the park when it comes to the sheer number of discounts available, offering six more discounts than Key.

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 Key does not.

On the flip side, Key has a couple unique discounts of its own -- discounts for being a good driver and discounts for insuring multiple cars with the same company.

Find your best rate in just a few minutes

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

So, we've broken down the average prices for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is Country Financial or Key the best company for you, your vehicle, and your wallet?

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

  • You have a DUI charge on your record.
  • Your home is located in the suburbs.
  • You and your spouse are buying insurance together.

Key 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 Key and that you can now make a more informed decision when it comes to your car insurance.

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

Find your best rate in just a few minutes

Country Financial vs. Key FAQs

Is Country Financial or Key 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 $285 for Key. But Country Financial won't necessarily be the lowest company for every driver, since there are lots of different factors that are considered when it comes to your car insurance cost.

Who is better, Country Financial or Key?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Country Financial and Key offer me different rates?

Auto insurance companies take a look at several different variables when calculating the premiums they charge policyholders. Factors like gender, your driving record, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Key use different formulas, so each one will most likely offer different prices. The only real way to see 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 Key is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like 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 carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Country Financial or Key at all!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes