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

Quick Facts

• In general, Country Financial offers significantly cheaper premiums than Metlife
• Country Financial offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Metlife may help you save more money -- they offer more discounts than COUNTRY Financial

Country Financial or Metlife: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Country Financial or Metlife, but between the two, which company will offer you more affordable rates?

As you can see, Metlife has average rates that are around 60% a month more expensive than those from Country Financial when looking at the national average rates for car insurance.

However, that doesn't mean Country Financial will necessarily be less expensive than Metlife for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things), so prices could change drastically from person to person.

So, if you want to find out which of Country Financial or Metlife is really the best for you, keep reading to see average premiums for each carrier broken down by multiple different rate factors.

Country Financial vs. Metlife: Average Car Insurance Rates by State

Country Financial and Metlife compete against each other in seven states, with Country Financial offering more affordable rates to the average driver in all of them. Alabama has the most noticable difference, where Country Financial premiums are $245 cheaper than car insurance prices at Metlife.

But there's more to calculating insurance rates than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 75% less per month by choosing Country Financial over Metlife.

That being said, with both companies, you'll see your prices drop significantly by the time you turn 25. For example, average rates for Country Financial policyholders lower about $100 and Metlife's premiums reduce more than $500 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Country Financial gets the edge here, with average prices coming in at around $105 per month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

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

For those who are single, the difference in average prices between these two companies is significant, with Country Financial premiums coming in at about a third of Metlife's. The advantage for married drivers with Country Financial is also obvious, where drivers save around $100 a month.

Country Financial or Metlife: Average Rates by Gender

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

On average, women see rates about 2% per month less with Country Financial, and around 8% less with Metlife.

Looking at the data for each carrier specifically, Country Financial offers the most affordable average prices for both men and women. On average, male drivers save about $214 a month and women save about $189 with Country Financial compared to the average Metlife policyholder.

Country Financial vs. Metlife: 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.

Insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability limits, Country Financial has the significant 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 Metlife's $466.

Is Country Financial or Metlife Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 speeding tickets and collisions on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their car insurance can usually expect their monthly bill to go up about 23% after getting a speeding ticket. Metlife policyholders can expect a less drastic increase of around 21%.

But Country Financial is typically the less expensive option for both drivers who have clean records and those with a recent ticket, offering premiums that are 52% and 51% cheaper, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in an accident can expect to see their rates rise by over $40, while those who have insurance through Metlife will see about a $150 increase.

At the end of the day, the more affordable prices come from Country Financial, with average premiums coming in at $147 compared to MetLife's $368.

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 -- usually a lot more than a collision or speeding ticket. On average, Metlife will climb your rates around 55% after a DUI, while Country Financial's average prices climb by more than 35%.

But if you end up with a DUI charge and are looking for more affordable rates, Country Financial tends to be less expensive for the average driver, with monthly premiums coming in at about $165 to Metlife's $494.

How does Credit Score Impact Country Financial and Metlife Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance premiums. This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it will come into play for quite a few policyholders.

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 cheaper prices.

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 a solid credit score, Country Financial will generally reward you the most. For drivers with "excellent" credit scores, Country Financial comes in nearly 47.75 less expensive. Drivers with "good" credit scores normally save around 56% with Country Financial compared to average rates from Metlife.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower prices than Metlife when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 63% a month less with Country Financial compared to Metlife, and those with "poor" scores generally save an average of around 65% monthly.

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

How much you drive can have a sizable impact on your monthly insurance bill. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

Country Financial tends to be the more affordable option for both remote workers and those taking short commutes. Country Financial average rates for drivers with 6,000 annual miles come in more than $200 cheaper than Metlife. Those who drive 12,000 miles each year can expect to pay over $200 less with Country Financial over Metlife.

Country Financial or Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a big impact on your monthly car insurance payment. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of vehicles that are on the roads where they live.

Country Financial boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Country Financial's average prices are about $175 per month compared to Metlife's $389. Drivers in suburban ZIP codes pay around $131 with Country Financial compared to Metlife's $333 a month. Those in rural areas can expect to pay about $109 per month with Country Financial compared to Metlife's $299.

Country Financial vs. Metlife 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 Metlife so that you can see which carrier can save you the most money each month.

Metlife knocks Country Financial out of the park when it comes to the sheer number of discounts available, offering 26 more discounts than Country Financial.

Both carriers offer lots of the same discounts -- like discounts for being a defensive driver, group discounts, and multi-policy discounts -- but Metlife also offers discounts for AAA, ABS, academic, and more.

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

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

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

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

• You have a speeding ticket on your driving record.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing auto insurance for a teenager.

Metlife might be best for you if...

• You're thinking about moving to another state -- COUNTRY Financial only offers policies in seven states.
• You're looking for discounts -- Metlife has the most.

Hopefully, this guide helps you get a good idea of the differences between Country Financial and Metlife. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Country Financial and Metlife. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Country Financial vs. Metlife FAQs

Is Country Financial or Metlife cheaper?

Country Financial is the more affordable of the two carriers when looking at national average rates, with policies averaging $138 a month with Country Financial and $340 for Metlife. Even so, that doesn't mean Country Financial will be the most affordable carrier for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Country Financial or Metlife?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Country Financial and Metlife offer me different rates?

Car insurance companies use a lot of different factors when determining the premiums they charge. Things like age, gender, where you park your car, your driving record, and sometimes even things like your credit score can all come into play. Both Country Financial and Metlife use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance company 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 does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Country Financial or Metlife 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.