Country Financial vs. Noblr Reciprocal Exchange: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Noblr Reciprocal Exchange offers significantly cheaper prices than Country Financial
• Country Financial may help you save more money -- they offer more discounts than Noblr Reciprocal Exchange
• Noblr Reciprocal Exchange offers more affordable average premiums for policyholders whose driving record contains an at-fault collision

Country Financial or Noblr Reciprocal Exchange: Which Company has the Cheapest Car Insurance?

So, you're considering 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 might be considering Country Financial or Noblr Reciprocal Exchange, but which company will save you the most?

Looking at nationwide averages, Noblr Reciprocal Exchange has average rates that are around 45% a month less expensive than those from Country Financial.

But that doesn't mean Noblr Reciprocal Exchange will necessarily be more affordable than Country Financial for every driver. Insurance carriers vary their prices depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a variety of other factors, so rates will differ quite a bit from person to person.

So, if you want to find out which of Country Financial or Noblr Reciprocal Exchange is really the best for you, keep reading to see average premiums for each company broken down by a variety of different rate factors.

Country Financial vs. Noblr Reciprocal Exchange: Average Car Insurance Rates by State

Country Financial and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average prices. Noblr Reciprocal Exchange drivers tend to pay about $72 per month less on average compared to drivers who use Country Financial for their car insurance.

But there's more to calculating auto insurance premiums 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 insurance rates of any group out there on the road. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Noblr Reciprocal Exchange save 2% a month compared to those who use Country Financial.

Even so, both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for Country Financial policyholders lower about $100 and Noblr Reciprocal Exchange's prices reduce around $200 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 rates you can find.

When looking at Country Financial and Noblr Reciprocal Exchange specifically, which carrier is best for retired drivers? Noblr Reciprocal Exchange gets the edge, with premiums for drivers 65 and older almost 55% cheaper than the national average for Country Financial.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically more expensive for single drivers than they are for married couples? This usually boils down to married policyholders having several vehicles on their policy -- something lots of auto insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Noblr Reciprocal Exchange premiums coming in at a third less than Country Financial's. The advantage for married drivers with Noblr Reciprocal Exchange is also obvious, where drivers save over $60 per month.

Country Financial or Noblr Reciprocal Exchange: Average Rates by Gender

Because women are less likely to get speeding tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to charge women less than men.

Normally, men see rates about $3 a month higher with Country Financial, and around $4 more with Noblr Reciprocal Exchange.

When it comes to the lowest premiums for each gender, Noblr Reciprocal Exchange comes out on top for both men and women. On average, women save about $60 per month and men save about $59 with Noblr Reciprocal Exchange compared to the average Country Financial policyholder.

Country Financial vs. Noblr Reciprocal Exchange: 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.

For most people, car insurance isn't the easiest topic to understand. There are many different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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 an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Noblr Reciprocal Exchange has the significant edge, with average monthly prices coming in at $46. If you want a full coverage policy with the same state minimum limits, Noblr Reciprocal Exchange again has the edge, with policies averaging around $112 a month to Country Financial's $194.

Is Country Financial or Noblr Reciprocal Exchange 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 at-fault collisions on your record, but which of these two companies 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 insurance can usually expect their monthly bill to go up about 23% after getting a speeding ticket. Noblr Reciprocal Exchange policyholders can expect a less drastic increase of around 18%.

That being said, Noblr Reciprocal Exchange is generally the less expensive option for drivers both with a ticket and with a clean record, offering premiums that are 39% and 43% cheaper, respectively, compared to COUNTRY Financial.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in a collision can expect to see their prices increase by over $40, while those who have insurance through Noblr Reciprocal Exchange will see about a $25 increase.

At the end of the day, the less expensive rates come from Noblr Reciprocal Exchange, with average premiums coming in at $90 compared to COUNTRY Financial's $147.

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 -- normally a lot more than an accident or speeding ticket. On average, Country Financial will climb your prices around 36% after a DUI, while Noblr Reciprocal Exchange's average rates climb by nearly 25%.

But if you end up with a DUI charge and are looking for more affordable prices, Noblr Reciprocal Exchange tends to be more affordable for the average driver, with monthly premiums coming in at about $83 to Country Financial's $165.

How does Credit Score Impact Country Financial and Noblr Reciprocal Exchange Rates?

Often times, your credit score can be used as one of the variables to determine your monthly car insurance premiums. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it might come into play for quite a few policyholders.

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 less expensive rates.

Looking specifically at Noblr Reciprocal Exchange and Country Financial, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Noblr Reciprocal Exchange will generally reward you the most. For drivers with "excellent" credit scores, Noblr Reciprocal Exchange comes in just under 57.76 cheaper. Drivers with "good" credit scores usually save around 58% with Noblr Reciprocal Exchange compared to average prices from Country Financial.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower premiums than Country Financial when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 20% per month less with Noblr Reciprocal Exchange compared to Country Financial, and those with "poor" scores typically save an average of around 39% per month.

Is Country Financial or Noblr Reciprocal Exchange Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly car insurance cost. That's because the fewer miles you put on your car, the less 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 Noblr Reciprocal Exchange charges. However, there's a small difference in monthly rates for Country Financial, with drivers who put 6,000 miles on their vehicle annually paying about $2 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Noblr Reciprocal Exchange is the more affordable company.

Country Financial or Noblr Reciprocal Exchange: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly insurance bill. Usually, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

When comparing these two carriers side-by-side, Noblr Reciprocal Exchange normally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 36% with Noblr Reciprocal Exchange compared to Country Financial. People who live in suburban areas pay about 47% less with Noblr Reciprocal Exchange compared to Country Financial. For drivers in urban ZIP codes, Noblr Reciprocal Exchange's average prices are around 45% less than COUNTRY Financial.

Country Financial vs. Noblr Reciprocal Exchange Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Country Financial and Noblr Reciprocal Exchange offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Country Financial has a slight advantage when it comes to total number of discounts. Noblr Reciprocal Exchange offers a grand total of eight discounts, while Country Financial has 10.

There are a couple discounts both companies offer, but Country Financial also offers discounts for anti-theft, defensive driver, driver training, and more.

On the other hand, Noblr Reciprocal Exchange has a few proprietary discounts of their own for things like advantage technology discounts, continuous insurance discounts, education discounts, and more.

Final Thoughts: Is Country Financial or Noblr Reciprocal Exchange Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Country Financial or Noblr Reciprocal Exchange the right carrier for you and your specific needs?

Noblr Reciprocal Exchange might be best for you if....

• You will be the only person on the auto insurance policy.
• You're looking for the best premiums on liability only coverage.
• You have a short drive to work everyday.

Country Financial might be best for you if...

• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Country Financial and Noblr Reciprocal Exchange. We also hope we've given you the information you need to make the best 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 auto insurance -- comparing quotes from several companies, not just Country Financial and Noblr Reciprocal Exchange. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Country Financial vs. Noblr Reciprocal Exchange FAQs

Is Country Financial or Noblr Reciprocal Exchange cheaper?

Noblr Reciprocal Exchange is the less expensive of the two companies when looking at national average prices, with policies averaging $79 a month with Noblr Reciprocal Exchange and $138 for Country Financial. However, that doesn't mean Noblr Reciprocal Exchange will be the most affordable company for each policyholder, since there are several different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Noblr Reciprocal Exchange?

Sadly, the answer truly is "it depends.". No one carrier is "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Country Financial and Noblr Reciprocal Exchange offer me different rates?

Insurance carriers use a lot of different factors when determining the rates they charge. Things like your driving record, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Country Financial and Noblr Reciprocal Exchange use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Country Financial or Noblr Reciprocal Exchange is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers 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 quotes from dozens of your local top insurance companies for free. That way, 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 Noblr Reciprocal Exchange 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.