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

Quick Facts

• Based on national averages for auto insurance, Country Financial offers significantly more affordable prices than Safe Auto
• Country Financial tends to be a much less expensive option for policyholders who live in urban areas
• Safe Auto may help you save more money -- they offer more discounts than COUNTRY Financial

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Country Financial or Safe Auto as potential options, but which one has cheaper rates for insurance?

Looking at the national average rates for both carriers, Safe Auto has average rates that are around 40% a month more expensive than those from Country Financial.

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

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

Country Financial vs. Safe Auto: Average Car Insurance Rates by State

Country Financial and Safe Auto only compete against each other in two states, with Country Financial offering more affordable premiums to the average driver in all of them. Illinois has the most noticable difference, where Country Financial prices are $74 cheaper than car insurance premiums at Safe Auto.

That being said, there are plenty of other factors that go into your insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any group on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Country Financial save almost 40% per month compared to those who use Safe Auto.

However, both carriers will lower prices by the time you turn 25. Safe Auto offers the steepest reduction, with 25-year-olds paying less than half 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?

Once you approach retirement age, you'll usually enjoy the lowest insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best rates for retired drivers between Country Financial and Safe Auto? Country Financial gets the edge, with premiums for drivers 65 and older $74 more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single policyholders than they are for married policyholders. That's because policies for married drivers typically cover more than one vehicle, which many companies will give you a discount for.

For those who are single, the difference in average premiums between these two carriers is significant, with Country Financial rates coming in at a third less than Safe Auto's. The advantage for married couples with Country Financial is also obvious, where drivers save about $65 a month.

Country Financial or Safe Auto: Average Rates by Gender

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

With Country Financial, men normally pay around 2% more per month than women., and about 7% with Safe Auto.

Looking at overall affordability, Country Financial offers the cheapest average premiums for both men and women, with average prices $91 less for men and $77 cheaper for women.

Country Financial vs. Safe Auto: 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 auto insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, Country Financial has the significant edge, with average monthly rates 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 Safe Auto's $320.

Is Country Financial or Safe Auto 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 at-fault collisions and speeding tickets lead to higher prices, but which carrier -- Country Financial or Safe Auto -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their auto insurance can generally expect their monthly bill to go up about 23% after getting a speeding ticket. Safe Auto policyholders can expect a less drastic increase of around 18%.

However, Country Financial tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering rates that are $75 and $84 cheaper, respectively, compared to Safe Auto.

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 Safe Auto will see about a $65 increase.

At the end of the day, Country Financial offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $147 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Safe Auto will raise your premiums around 27% 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 Safe Auto's $245.

How does Credit Score Impact Country Financial and Safe Auto Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it does affect lots 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 prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Country Financial will normally reward you the most. For drivers with "excellent" credit scores, Country Financial comes in nearly 37.97 more affordable. Drivers with "good" credit scores usually save around 45% with Country Financial compared to average rates from Safe Auto.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Safe Auto when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 45% per month less with Country Financial compared to Safe Auto, and those with "poor" scores normally save an average of around 25% per month.

Is Country Financial or Safe Auto 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 how much car insurance companies will charge for coverage. Typically, the more milage you put on your car, 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 Safe Auto charges. However, there's a small difference in monthly prices for Country Financial, with policyholders who drive 6,000 miles 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 less expensive carrier.

Country Financial or Safe Auto: 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 insurance, but the type of area you live in can have a sizable impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Country Financial tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, COUNTRY Financial's average rates are around $96 less than Safe Auto. People who live in suburban areas pay about $69 less with Country Financial compared to Safe Auto. Those in rural areas can expect to save around $88 with Country Financial compared to Safe Auto.

Country Financial vs. Safe Auto Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Country Financial and Safe Auto so that you can see which company can save you the most money each month.

Looking at the total number of discounts, Safe Auto comes out ahead with 14 discounts to Country Financial's 10.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, and passive restraint discounts. Safe Auto also offers discounts for agency transfer, claim free, homeowner, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like good student discounts, group discounts, multi-policy discounts, and more.

Final Thoughts: Is Country Financial or Safe Auto Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is Country Financial or Safe Auto the best fit for you?

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

• You have a speeding ticket on your driving record.
• You're looking for the best prices on liability only coverage.
• You want to save money while purchasing insurance for a teenager.

Safe Auto might be best for you if...

• You already have plans to move to another state -- COUNTRY Financial only offers policies in seven states.
• You care about discounts (Safe Auto offers the most).

Hopefully, this guide has ben a valuable resource as you compare Country Financial and Safe Auto and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Country Financial and Safe Auto. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes 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. Safe Auto FAQs

Is Country Financial or Safe Auto cheaper?

Country Financial is the cheaper of the two companies when looking at national average rates, with policies averaging $138 a month with Country Financial and $223 for Safe Auto. Even so, that doesn't mean Country Financial will be the most affordable company for every policyholder, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Country Financial or Safe Auto?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Country Financial and Safe Auto offer me different rates?

Car insurance carriers use quite a few different variables when determining the premiums they charge. Factors like gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Safe Auto calculate prices using 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 bunch of different companies.

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

The only way to find the auto 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 area information and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Country Financial or Safe Auto 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.