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

Quick Facts

• Based on national averages for insurance, Country Financial offers significantly less expensive prices than Safeway
• Country Financial has more affordable rates for policyholders whose driving record contains an at-fault collision
• Safeway may help you save more money -- they offer more discounts than COUNTRY Financial

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

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

You might have narrowed it down to Country Financial or Safeway as your top options, but which company will save you the most?

As you can see, Country Financial is quite a bit cheaper than Safeway, with prices averaging $138 a month compared to $194 with Safeway when looking at the national average rates for car insurance.

That being said, Country Financial may not be the cheapest or best option for each driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your age, your credit score, your driving record, or even where you call home (among other things). So, at the end of the day, premiums from each company will differ quite a bit from person to person.

Wanting to know if Country Financial or Safeway is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

Country Financial and Safeway only compete against each other in three states, with Country Financial offering cheaper premiums to the average driver in all of them. Alabama has the most noticable difference, where Country Financial rates are $38 less expensive than car insurance prices at Safeway.

There's a lot more that goes into your auto insurance cost than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group out there on the road. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of almost 45% less per month by choosing Country Financial over Safeway.

But both companies will decrease rates by the time drivers turn 25. Safeway offers the steepest drop, 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 lowest premiums at $139 monthly.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever find.

But who has the best rates for retired drivers between Country Financial and Safeway? Country Financial gets the edge here, with average premiums coming in at around $105 a month compared to Safeway's $136.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average rates between these two companies is significant, with Country Financial prices coming in at a third less than Safeway's. The advantage for married couples with Country Financial is also obvious, where drivers save over 20% a month.

Country Financial or Safeway: Average Rates by Gender

Women tend to pay less for insurance than men. This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher rates.

Women usually pay about $3 per month less than men with Country Financial, and around $18 less with Safeway.

Looking at overall affordability, Country Financial offers the cheapest average premiums for both men and women, with average prices 31% less for men and 26% cheaper for women.

Country Financial vs. Safeway: 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. Everyone needs insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

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 about $194 a month to Safeway's $258.

Is Country Financial or Safeway 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 at-fault collisions and speeding tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Country Financial for their insurance can normally expect their monthly bill to go up around 23% after getting a speeding ticket. Safeway policyholders can expect a less drastic increase of about 4%.

Even so, Country Financial is generally the more affordable option for both drivers who have clean records and those with a recent ticket, offering rates that are $58 and $34 cheaper, respectively, compared to Safeway Insurance.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in an accident can expect to see their premiums climb by just under 30%, while those who have insurance through Safeway will see around a 25% increase.

At the end of the day, Country Financial offers the lowest prices for drivers with an at-fault accident on their records, with average rates coming in at $147 compared to Safeway Insurance's $223.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Country Financial drivers usually see a 36% raise in their car insurance prices after a DUI charge, while Safeway will normally climb premiums by about 26%.

But if you end up with a DUI charge and are looking for more affordable prices, Country Financial tends to be more affordable for the average driver, with monthly premiums coming in at around $165 to Safeway's $220.

How does Credit Score Impact Country Financial and Safeway Rates?

Did you know many insurance companies take into account your credit score when determining premiums? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it might come into play for several policyholders.

Auto 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.

So, which company offers the most affordable 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 typically reward you the most. For drivers with "excellent" credit scores, Country Financial comes in more than 40.21 cheaper. Drivers with "good" credit scores usually save about 38% with Country Financial compared to average premiums from Safeway.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower rates than Safeway when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 35% per month less with Country Financial compared to Safeway, and those with "poor" scores typically save an average of about 3% per month.

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

How much you drive can have a substantial impact on your monthly premiums. Usually, 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 Safeway charges. However, there's a small difference in monthly prices for Country Financial, with policyholders who drive 6,000 miles yearly 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 more affordable carrier.

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

Where you park your vehicle can have a pretty big impact on your monthly car insurance bill. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads where they live.

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

For drivers in urban ZIP codes, COUNTRY Financial's average rates are about 25% less than Safeway Insurance. People who live in suburban areas pay around 35% less with Country Financial compared to Safeway. Those in rural areas can expect to save about 25% with Country Financial compared to Safeway.

Country Financial vs. Safeway 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 where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Country Financial and Safeway so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Safeway comes out ahead with 11 discounts to Country Financial's 10.

There are a couple discounts both carriers offer, but Safeway also offers discounts for agency transfer, full coverage, homeowner, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like anti-theft discounts, driver training discounts, group discounts, and more.

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

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific profile and needs?

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

• You've been pulled over for speeding recently.
• You're looking for the best prices on liability only coverage.
• You've started working from home and don't have much of a commute.

Safeway might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Country Financial and Safeway 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 carriers, not just Country Financial and Safeway. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Country Financial vs. Safeway FAQs

Is Country Financial or Safeway cheaper?

Country Financial is the less expensive of the two carriers when looking at national average rates, with policies averaging $138 a month with Country Financial and $194 for Safeway. However, that doesn't mean Country Financial will be the most affordable company for everyone, since there are a variety of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Safeway?

Sadly, the real answer is "it depends.". No one carrier is "better" for each policyholder -- it all depends on the makeup of your unique insurance profile.

Why do Country Financial and Safeway offer me different rates?

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

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

The only way to find the auto 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 does all the hard work for you. 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 price. And maybe you'll find that the best company for you isn't Country Financial or Safeway 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.