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

Quick Facts

• Based on national averages for car insurance, Country Financial offers slightly cheaper prices than Metromile
• Country Financial tends to be a much more affordable option for policyholders who drive fewer than 6,000 miles every year
• Metromile offers more affordable rates for policyholders who live in suburban areas

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Country Financial or Metromile, but between the two, which company will offer you less expensive premiums?

Looking at nationwide averages, Metromile is around $12 more a month than Country Financial.

Even so, that doesn't mean Country Financial will necessarily be cheaper than Metromile for every driver. Auto insurance carriers vary their prices depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and all sorts of other factors, so rates will differ quite a bit from person to person.

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

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

Country Financial and Metromile only compete against each other in Arizona, where Metromile offers the cheaper average premiums. Metromile drivers tend to pay about $1 per month less on average compared to drivers who use Country Financial for their insurance.

There's a lot more that goes into your car insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group on the road. Usually, that's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of 20% less a month by choosing Country Financial over Metromile.

But both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for Country Financial policyholders reduce about $100 and Metromile's rates drop over $200 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 prices out there.

When looking at Country Financial and Metromile specifically, which carrier is best for retired drivers? Country Financial gets the edge, with premiums for drivers 65 and older $24 more affordable than the national average for Metromile.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally more expensive for single drivers than they are for married drivers? That's because policies for married policyholders generally cover multiple vehicles, which many carriers will give you a discount for.

If you're in the market for insurance, Country Financial tends to have the most affordable average premiums regardless of relationship status, with prices around $10 less expensive for married couples and almost $15 more affordable for those who are single.

Country Financial or Metromile: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher prices.

Men typically pay about $3 per month more than women with Country Financial, but surprisingly, with Metromile, men normally pay around $4 a month less than women.

When it comes to the cheapest rates for each gender, Country Financial comes out as the lowest option for both genders. On average, male drivers save about $8 per month and women save about $15 with Country Financial compared to the average Metromile policyholder.

Country Financial vs. Metromile: 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.

Car insurance isn't the easiest topic to understand. There are so many different limits and coverages 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 (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Country Financial has the 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 a month to Metromile's $201.

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

You've probably seen plenty of commercials from insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their car insurance can generally expect their monthly bill to go up about 23% after getting a speeding ticket. Metromile policyholders can expect a less drastic increase of around 22%.

That being said, Country Financial has cheaper premiums for drivers in both categories, offering prices that are $10 and $12 less expensive, respectively, compared to Metromile.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in an accident can expect to see their premiums rise by over $40, while those who have insurance through Metromile will see about a $55 increase.

At the end of the day, drivers who use Country Financial end up with the cheaper prices after an accident, with average rates coming in at $147 compared to Metromile's $171.

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. Country Financial drivers usually see a 36% increase in their car insurance prices after a DUI charge, while Metromile will usually raise rates by around 31%.

But if you end up with a DUI charge and are looking for more affordable prices, Country Financial tends to be cheaper for the average driver, with monthly premiums coming in at about $165 to Metromile's $167.

How does Credit Score Impact Country Financial and Metromile Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it does affect a lot of policyholders out there.

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 company offers the best premiums for policyholders with good, average, or poor 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 NaN less expensive. Drivers with "good" credit scores normally save around 12% with Country Financial compared to average rates from Metromile.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Metromile when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 19% per month less with Country Financial compared to Metromile, and those with "poor" scores usually save an average of around 1% a month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance payment. Typically, the more milage you put on your vehicle each year, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Metromile charges. However, there's a small difference in monthly prices for Country Financial, with drivers who put 6,000 miles on their car yearly 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 carrier.

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

Where you live can play a pretty big role in how much you pay for car insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Country Financial typically comes out as the cheaper option for drivers in rural and urban areas, while Metromile wins in suburban areas.

Those in rural areas can expect to save around $11 with Country Financial compared to Metromile. People who live in suburban areas pay about $10 less with Metromile compared to Country Financial. For policyholders in urban ZIP codes, COUNTRY Financial's average premiums are around $34 less than Metromile.

Country Financial vs. Metromile Discounts

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

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Country Financial and Metromile so that you can find the one that has the most discounts and, therefore, the largest savings.

Country Financial blows Metromile away when it comes to the sheer amount of discounts available, offering 10 different discounts to Metromile's four.

Both carriers offer several of the same discounts -- like multi-policy discounts -- but Country Financial also offers discounts for anti-theft, defensive driver, driver training, and more.

On the other hand, Metromile has a few proprietary discounts of their own for things like good driving discounts, online quote discounts, and paperless discounts.

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

You've seen the role 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, which insurance carrier is the right carrier for you and your specific profile and needs?

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

• You will be the only person on the auto insurance policy.
• Your neighborhood is in a city.
• You live in a rural area.

Metromile might be best for you if...

• You live in an suburban area.

Hopefully, this guide helps you get a good idea of the differences between Country Financial and Metromile and that you can now make a more informed decision when it comes to your 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 car insurance -- comparing quotes from several carriers, not just Country Financial and Metromile. Luckily, sites like Compare.com make 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. Metromile FAQs

Is Country Financial or Metromile cheaper?

Country Financial is the more affordable of the two carriers when looking at national average prices, with policies averaging $138 a month with Country Financial and $150 for Metromile. However, that doesn't mean Country Financial will be the cheapest company for every driver, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Metromile?

Sadly, 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 Metromile offer me different rates?

Auto insurance companies use lots of different variables when determining the rates they charge. Things such as your driving record, age, gender, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Country Financial and Metromile use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Country Financial or Metromile 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Country Financial or Metromile 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.