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

Quick Facts

• Based on national averages for car insurance, Country Financial offers significantly less expensive premiums than Nevada General
• Country Financial may help you save more money -- they offer more discounts than Nevada General Insurance Company
• Country Financial offers more affordable prices for drivers with a DUI

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Country Financial or Nevada General for your next policy, but which carrier will offer you cheaper premiums?

Looking at the national average rates for both carriers, Nevada General is quite a bit more expensive than Country Financial, with rates averaging $249 a month compared to just $138 with Country Financial.

Even so, Country Financial may not be the cheapest or best option for every driver out there. Insurance companies vary their prices depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and tons of other factors, so rates will vary quite a bit from person to person.

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

Country Financial vs. Nevada General: Average Car Insurance Rates by State

Country Financial and Nevada General only compete against each other in Nevada, where Country Financial offers the cheaper average premiums. Country Financial drivers tend to pay about $115 per month less on average compared to drivers who use Nevada General for their car insurance.

That being said, there are plenty of other factors that go into your auto insurance bill than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. That's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 55% less a month by choosing Country Financial over Nevada General.

That being said, with both carriers, you'll see your premiums reduce significantly by the time you turn 25. Nevada General offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Country Financial still has the most affordable rates at $139 a month.

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 premiums out there.

So, which company offers the best prices to retired drivers? Country Financial gets the edge, with premiums for drivers 65 and older nearly 45% more affordable than the national average for Nevada General.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are usually cheaper for married drivers than they are for single policyholders? That's because policies for married policyholders generally cover several vehicles, which lots of companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Country Financial rates coming in at around half of Nevada General's. The advantage is also clear for married couples - Country Financial offers the most affordable average premiums.

Country Financial or Nevada General: Average Rates by Gender

Did you know women typically pay less for insurance than men? This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

Women normally pay about $3 per month less than men with Country Financial, and around $5 cheaper with Nevada General when compared to their male counterparts.

When it comes to the lowest rates for each gender, Country Financial offers the cheapest average premiums for both men and women, with average prices 44% less for men and 44% cheaper for women.

Country Financial vs. Nevada General: 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 auto insurance can be a complicated subject for most people. There are multiple different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to what you get with 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 about $194 a month to Nevada General's $348.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which carrier -- Country Financial or Nevada General -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their insurance can usually expect their monthly bill to go up around 23% after getting a speeding ticket. Nevada General policyholders can expect a less drastic increase of about 10%.

However, Country Financial is generally the more affordable option for drivers both with clean records and with a ticket -- their rates are around 50% less expensive for drivers with clean records and 41% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Country Financial can expect to see around an $42 -- or about 29% -- rise in their insurance rates. Drivers who use Nevada General for their auto insurance will see a monthly bill around $48 (or 19%) more expensive after reporting an accident to their car insurance company.

At the end of the day, Country Financial offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $147 compared to Nevada General Insurance Company's $257.

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 speeding ticket when it comes to your insurance bill. Nevada General drivers usually see a 30% raise in their auto insurance rates after a DUI charge, while Country Financial will normally increase prices by about 36%.

But if you end up with a DUI charge and are looking for more affordable premiums, Country Financial tends to be cheaper for the average driver, with monthly premiums coming in at around $165 to Nevada General's $298.

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

Did you know many insurance companies take into account your credit score when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for quite a few drivers.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Country Financial will generally reward you the most. For drivers with "excellent" credit scores, Country Financial comes in nearly 53.41 less expensive. Drivers with "good" credit scores typically save about 51% with Country Financial compared to average premiums from Nevada General.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower rates than Nevada General when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 49% per month less with Country Financial compared to Nevada General, and those with "poor" scores normally save an average of about 24% per month.

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

How much you drive can have a pretty big impact on your monthly premiums. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Nevada General charges. However, there's a small difference in monthly prices for Country Financial, with policyholders who drive 6,000 miles each year paying around $2 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Country Financial is the cheaper carrier.

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

Where you call home can have a large impact on your monthly auto insurance payment. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the roads where they live.

Country Financial boasts the cheapest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $100 with Country Financial compared to Nevada General. People who live in suburban areas pay around $60 less with Country Financial compared to Nevada General. For policyholders in urban ZIP codes, COUNTRY Financial's average prices are about $172 less than Nevada General Insurance Company.

Country Financial vs. Nevada General 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 car insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts Country Financial and Nevada General offer their customers so that you can see which carrier can save you the most money each month.

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

There are a couple discounts both companies offer, but Country Financial also offers discounts for anti-theft, good student, multi-policy, and more.

On the other hand, Nevada General has a few proprietary discounts of their own for things like agency transfer discounts, EFT discounts, homeowner discounts, and more.

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

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the right company for you, your vehicle, and your wallet?

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

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You already have a great credit score.
• You live in a rural area.

Nevada General might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Country Financial and Nevada General. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Country Financial and Nevada General. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Country Financial vs. Nevada General FAQs

Is Country Financial or Nevada General cheaper?

Country Financial is the more affordable of the two companies when looking at national average prices, with policies averaging $138 a month with Country Financial and $249 for Nevada General. But that doesn't mean Country Financial will be the lowest company for everyone, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Nevada General?

Unfortunately, the answer truly is "it depends.". No one carrier is necessarily "better" for everyone -- it all boils down to your unique insurance profile.

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

Car insurance carriers use a lot of different variables when calculating the premiums they charge. Things such as age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all be used. Both Country Financial and Nevada General calculate prices using different factors, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the 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 information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Country Financial or Nevada General 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.