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

Wondering if Country Financial or Mendakota is the best auto insurance company for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Country Financial offers significantly less expensive premiums than Mendakota
  • Country Financial tends to be a much more affordable option for policyholders who live in suburban areas
  • Country Financial offers cheaper average prices for people who are single and purchasing insurance by yourself


Country Financial vs. Mendakota: 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 huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Country Financial or Mendakota as your top options, but which company will offer you less expensive premiums?

Country Financial Mendakota
$138$244

Looking at nationwide averages, Mendakota is quite a bit more expensive than Country Financial, with rates averaging $244 per month compared to just $138 with Country Financial.

But that doesn't necessarily mean Country Financial will be the more affordable option for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your driving record, or even your age (among other things), so prices could vary drastically from person to person.

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

State Country Financial Mendakota
NV$134$244

Country Financial and Mendakota only compete against each other in Nevada, where Country Financial offers the cheaper average prices. For Nevada residents, Country Financial offers insurance for $134 a month on average. Mendakota's average rates come out to be over 70% more expensive, at $244 per month.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your premiums. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

Country Financial Mendakota
18-year-old drivers$258$452
25-year-old drivers$139$244

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

That being said, 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 nearly $200 less a month by choosing Country Financial over Mendakota.

However, with both companies, you'll see your prices lower significantly by the time you turn 25. Mendakota offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Country Financial still has the lowest rates at $139 monthly.

Which is the Best Company for Retired Drivers?

Country Financial Mendakota
65+-year-old drivers$105$187

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever find.

But who has the best premiums for retired drivers between Country Financial and Mendakota? Country Financial gets the edge, with prices for drivers 65 and older $82 cheaper than the national average for Mendakota.

Which is the Best Company for Married Drivers?

Country Financial Mendakota
Single$160$271
Married$109$208

You may not be aware, but auto insurance premiums tend to be less expensive for married couples than they are for single policyholders. That's because policies for married drivers typically cover more than one car, which lots of 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 rates about $111 per month cheaper than Mendakota, on average. The advantage for married policyholders with Country Financial is also obvious, where drivers save almost 50% a month.

Country Financial vs. Mendakota: Average Rates by Gender

Country Financial Mendakota
Male$140$253
Female$137$235

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

With Country Financial, women generally pay around 2% per month less than men, and about 7% less with Mendakota when compared to their male counterparts.

When it comes to the most affordable prices for each gender, Country Financial comes out as the cheapest option for both genders, with average premiums $113 less for men and $98 cheaper for women.


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

Country Financial Mendakota
State Minimum*$82$172
Full Coverage**$194$316

*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.

Insurance can be a complicated subject for most people. Everyone needs auto 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 end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Country Financial usually offers significantly more affordable rates of $82 compared to Mendakota's $172. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies around $100 a month cheaper than Mendakota, on average.

Is Country Financial or Mendakota 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.

Tickets and at-fault accidents will most likely raise your prices, but is Country Financial or Mendakota more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial Mendakota
Clean Record$105$221
1 Speeding Ticket$136$240

Country Financial policyholders can expect their premiums to go up an average of $31 per month if they get a ticket, while Mendakota typically raises rates about $19 a month, on average.

Even so, Country Financial tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save around $116 per month and drivers with a ticket can save about $104 a month with COUNTRY Financial.

Which Company is Best for Drivers After an Accident?

Country Financial Mendakota
Clean Record$105$221
1 At-Fault Accident$147$273

Country Financial drivers who get in a collision can expect to see their prices climb by just under 30%, while those who have insurance through Mendakota will see around a 20% increase.

Overall, Country Financial offers the most affordable rates for drivers with an at-fault accident on their records, with monthly premiums averaging $147 compared to Mendakota Insurance Company's $273.

Which Company is Best for Drivers with a DUI?

Country Financial Mendakota
Clean Record$105$221
1 DUI$165$241

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. On average, Country Financial will climb your rates about 36% after a DUI, while Mendakota's average premiums rise by just under 10%.

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 premiums of $165 a month compared to $241 from Mendakota.


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How does Credit Score Impact Country Financial and Mendakota Rates?

Did you know that many car insurance companies take into account your credit score when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several policyholders out there.

Auto insurance companies 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 company offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Country Financial Mendakota
Excellent Credit Score$116$244
Good Credit Score$121$244

If you have a great credit score, you'll usually find a better deal with Country Financial. Drivers with "excellent" credit can save over 50% compared to Mendakota, and those with "good" scores can also expect to see savings -- around $123 or 50% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Country Financial Mendakota
Fair Credit Score$127$244
Poor Credit Score$188$244

Country Financial typically offers lower premiums than Mendakota when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $117 per month less with Country Financial compared to Mendakota, and those with "poor" scores usually save an average of around $56 monthly.


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

Country Financial Mendakota
6,000 Annual Miles$137$244
12,000 Annual Miles$139$244

Did you know that the amount of time you spend in your car have a big impact on how much car insurance carriers will charge for coverage? That's because the more miles you put on your vehicle each year, the more 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 Mendakota charges. However, there's a small difference in monthly prices for Country Financial, with policyholders who drive the least paying about $2 less each month compared to those who drive 12,000 miles every year. Still, Country Financial is the cheaper option for drivers in both categories.

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

Where you call home can have a sizable impact on your monthly auto insurance cost. Normally, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the roads in those areas.

Country Financial Mendakota
Urban Areas$175$418
Suburban Areas$131$176
Rural Areas$109$138

When comparing these two companies side-by-side, Country Financial typically comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest premiums from both carriers, but Country Financial comes out on top with average rates around $109 per month. Country Financial also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a $243 and $45 a month respective difference when compared to Mendakota drivers in similar areas.

Country Financial vs. Mendakota Discounts

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

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

In the section below, we've broken down all of the different discounts offered by both Country Financial and Mendakota so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Country Financial Mendakota
Anti-Theft Discount 
Defensive Driver Discount
Driver Training Discount 
Good Student Discount 
Group Discount 
Homeowner Discount 
Multi-Car Discount 
Multi-Policy Discount 
Occupation Discount 
Paid in Full Discount 
Passive Restraint Discount
Simply Drive Discount 
Telematics Discount 

Overall, Country Financial comes out ahead with 10 discounts to Mendakota's five.

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 Mendakota does not.

On the flip side, Mendakota has a couple unique discounts of its own -- discounts for being a homeowner, discounts for insuring multiple cars with the same company, and paid in full discounts.


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

So, we've broken down the average rates for many of the factors auto insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which insurance carrier is the best fit for you?

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

  • You have a DUI charge on your record.
  • Your neighborhood is in a city.
  • You have a short drive to work everyday.


Mendakota might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Country Financial and Mendakota. We also hope we've given you the information you need to make the best decision when it comes to 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 insurance -- comparing quotes from a handful of carriers, not just Country Financial and Mendakota. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.


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Country Financial vs. Mendakota FAQs

Is Country Financial or Mendakota cheaper?

Looking just at the national average prices, Country Financial is the more affordable of the two carriers, offering average rates of $138 per month compared to $244 for Mendakota. That being said, Country Financial won't necessarily be the cheapest company for each driver, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Country Financial or Mendakota?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for every driver -- it all depends on what your unique insurance profile looks like.

Why do Country Financial and Mendakota offer me different rates?

Car insurance companies take a look at quite a few different factors when determining the premiums they charge policyholders. Variables like where you park your vehicle, where you live, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Mendakota calculate prices differently, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Country Financial or Mendakota 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.

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