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

Quick Facts

• Looking at the national averages for car insurance, Nevada Capital offers slightly less expensive prices than Country Financial
• Country Financial offers more affordable average rates for drivers with a DUI charge on their record
• Nevada Capital has cheaper prices for policyholders who live in the suburbs

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Country Financial or Nevada Capital, but which carrier will offer you less expensive premiums?

Looking at the national average rates for both companies, Nevada Capital is about $13 per month cheaper than Country Financial.

But Nevada Capital may not be the most affordable or best option for every single driver out there. Insurance carriers use all sorts of complex algorithms to calculate rates, so depending on how clean your driving record is or how good your credit score is (among an array of other factors), you could see wildly different prices from the ones above.

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

Country Financial or Nevada Capital: Average Car Insurance Rates by State

Country Financial and Nevada Capital only compete against each other in Nevada, where Nevada Capital offers the cheaper average premiums. For Nevada residents, Nevada Capital offers car insurance for $125 monthly on average. Country Financial's average rates come out to be more expensive, at $134 per month.

There are plenty of other factors that go into your insurance payment than just where you call home. 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 premiums of any group on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of more than $15 less a month by choosing Country Financial over Nevada Capital.

However, both companies will offer you dramatically lower premiums once you turn 25. Nevada Capital offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Country Financial's average rates decrease over 45% during that same period.

Which is the Best Company for Retired Drivers?

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

When looking at Country Financial and Nevada Capital specifically, which carrier is best for retired drivers? Nevada Capital gets the edge, with prices for drivers 65 and older nearly 20% more affordable than the national average for Country Financial.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single policyholders than they are for married policyholders. That's generally because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, the two carriers are comparable for those who are single, with rates only differing around $15 per month, on average. The advantage for married drivers is more obvious, where drivers who use Nevada Capital save more than $10 a month.

Country Financial vs. Nevada Capital: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to auto insurance men will normally end up paying a little more.

On average, men see premiums about 2% per month higher with Country Financial, and around 2% with Nevada Capital.

Looking at the data for each company specifically, Nevada Capital offers the most affordable average prices for both men and women. On average, male drivers save about $14 a month and women save about $13 with Nevada Capital compared to the average Country Financial policyholder.

Country Financial or Nevada Capital: 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 insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different terms 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 covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability).

If you're looking for state minimum liability limits, Nevada Capital typically offers slightly cheaper premiums of $75 compared to Country Financial's $82. When it comes to full coverage policies with similar limits, Nevada Capital again has the edge, with policies around $20 per month more affordable than Country Financial, on average.

Is Country Financial or Nevada Capital Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 at-fault accidents and tickets lead to higher prices, but which carrier -- Country Financial or Nevada Capital -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial policyholders can expect their prices to go up an average of $31 a month if they get a ticket, while Nevada Capital usually raises rates about $27 per month, on average.

That being said, Nevada Capital has less expensive premiums for drivers in both categories. Drivers with a clean record can save around $16 a month and drivers with a speeding ticket can save about $20 per month with Nevada Capital Insurance Company.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in a collision can expect to see their prices rise by over $40, while those who have insurance through Nevada Capital will see around a $35 increase.

Overall, the more affordable premiums come from Nevada Capital, with monthly rates averaging $126 compared to COUNTRY Financial's $147.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. For example, Nevada Capital increases average premiums by just under $80 a month -- that's over a 45% increase.

If you have a DUI on your record and are looking for more affordable prices, Country Financial tends to be the much cheaper option with average rates of $165 a month compared to $168 from Nevada Capital.

How does Credit Score Impact Country Financial and Nevada Capital Rates?

Did you know that many auto insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

The reasoning insurance carriers use is that drivers 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 normally be forced to pay more.

Looking specifically at Nevada Capital and Country Financial, which one has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Nevada Capital. Drivers with "excellent" credit can save just under 15% compared to Country Financial, and those with "good" scores can also expect to see savings -- about $7 or 6% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay around $1 less with Country Financial than Nevada Capital, but those whose credit is considered "poor" have it flipped -- saving about $32 per month with Nevada Capital.

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

How much you drive can have a sizable impact on your monthly prices. Generally, the more miles you put on your car each year, the more you can expect to pay for auto insurance.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Nevada Capital offers cheaper rates than Country Financial. Country Financial's average prices for drivers with 6,000 annual miles come in $20 more expensive than Nevada Capital. Those who drive 12,000 miles every year can expect to pay $7 more with Country Financial over Nevada Capital.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a large impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the roads in those areas.

When comparing these two companies side-by-side, Nevada Capital generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable premiums from both carriers, but Nevada Capital comes out on top with average rates around $89 monthly. Nevada Capital also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a 2% and 13% a month respective difference when compared to Country Financial drivers in similar areas.

Country Financial vs. Nevada Capital Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

In the section below, we've taken a look at all of the different discounts Country Financial and Nevada Capital offer their customers so that you can see which company can save you the most money each month.

Looking at the total number of discounts, Nevada Capital has the advantage when it comes to total number of discounts. Country Financial offers a grand total of 10 discounts, while Nevada Capital has 15.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good student, and passive restraint discounts. Nevada Capital also offers ABS discounts, advance quote discounts, employee discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- discounts for getting driver training, group discounts, occupation discounts, and more.

Final Thoughts: Is Country Financial or Nevada Capital Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each company offers, too. But, when it comes down to it, which insurance carrier is the right one for you, your vehicle, and your wallet?

Nevada Capital might be best for you if....

• You haven't received any speeding tickets or been in an accident in the last few years.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Country Financial might be best for you if...

• You have a DUI charge on your record.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Country Financial and Nevada Capital and that you can now make a more informed 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 auto insurance -- comparing quotes from a handful of companies, not just Country Financial and Nevada Capital. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Country Financial vs. Nevada Capital FAQs

Is Country Financial or Nevada Capital cheaper?

Looking just at the national average premiums, Nevada Capital is the more affordable of the two companies, offering average rates of $125 per month compared to $138 for Country Financial. But Nevada Capital won't necessarily be the cheapest company for each policyholder, since there are many different variables that are considered when it comes to your car insurance cost.

Who is better, Country Financial or Nevada Capital?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for every driver -- it all boils down to your unique insurance profile. For example, Country Financial offers cheaper rates for drivers with a recent DUI, while Nevada Capital is more affordable for drivers with excellent credit.

Why do Country Financial and Nevada Capital offer me different rates?

Auto insurance carriers take a look at quite a few different factors when determining the premiums they charge policyholders. Variables like where you call home, age, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Nevada Capital 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 a range of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Country Financial or Nevada Capital 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.