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

So, you're in the market for a new car insurance policy. You may have even narrowed down your search to Country Financial and Southern. But which of these two companies is the best one for you? Read on to find which company has the best premiums and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Country Financial offers significantly less expensive rates than Southern
  • Country Financial has more affordable prices for policyholders who haven't received any speeding tickets or been in an accident in the last few years
  • Southern offers more discounts than COUNTRY Financial


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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Country Financial or Southern, but between the two, which carrier has cheaper rates for car insurance?

Country Financial Southern
$138$322

As you can see, Southern is quite a bit more expensive than Country Financial, with premiums averaging $322 per month compared to just $138 with Country Financial when looking at the national average rates for auto insurance.

However, that doesn't mean Country Financial will necessarily be more affordable than Southern for every single driver. Insurance companies use all sorts of complex algorithms to calculate prices, so depending on how clean your driving record is or where you live (among a multitude of other factors), you could see wildly different premiums from the ones above.

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

Country Financial or Southern: Average Car Insurance Rates by State

State Country Financial Southern
AL$103$238
GA$148$472

Country Financial and Southern only compete against each other in two states, with Country Financial offering cheaper prices to the average driver in all of them. Georgia has the most noticable difference, where Country Financial premiums are over 70% less expensive than auto insurance prices at Southern.

That being said, there are plenty of other factors that go into your car insurance bill than just where you live. Continue reading to learn more about how other factors will affect your rates.


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Which is the Best Company For Young Drivers?

Country Financial Southern
18-year-old drivers$258$707
25-year-old drivers$139$269

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. Just look at the table above -- where 18-year-old drivers who have Country Financial for their insurance pay nearly $450 less than those who use Southern.

But both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Country Financial policyholders drop more than 45% and Southern's premiums decrease over 60% over that time.

Which is the Best Company for Retired Drivers?

Country Financial Southern
65+-year-old drivers$105$254

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever find.

When looking at Country Financial and Southern specifically, which company is best for retired drivers? Country Financial gets the edge, with prices for drivers 65 and older almost 60% cheaper than the national average for Southern.

Which is the Best Company for Married Drivers?

Country Financial Southern
Single$160$381
Married$109$244

You may not be aware, but auto insurance rates tend to be more affordable for married policyholders than they are for those who are single. That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Country Financial is the clear winner for single drivers, with premiums about $221 a month less expensive than Southern, on average. The advantage for married couples with Country Financial is also obvious, where drivers save nearly $150 per month.

Country Financial vs. Southern: Average Rates by Gender

Country Financial Southern
Male$140$340
Female$137$304

You may not know, but insurance is generally more expensive for men than for women. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see rates around $3 a month higher with Country Financial, and about $36 more with Southern.

When it comes to the most affordable prices for each gender, Country Financial offers the lowest average premiums for both men and women. On average, women save about $167 per month and men save around $200 with Country Financial compared to the average Southern policyholder.


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Country Financial or Southern: Compare State Minimum vs. Full Coverage Rates

Country Financial Southern
State Minimum*$82$192
Full Coverage**$194$452

*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. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers 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 a liability policy).

If you're looking for state minimum liability insurance, Country Financial normally offers significantly more affordable rates of $82 compared to Southern's $192. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies about $250 a month cheaper than Southern, on average.

Is Country Financial or Southern Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault accidents and tickets lead to higher prices, but which carrier -- Country Financial or Southern -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial Southern
Clean Record$105$216
1 Speeding Ticket$136$233

Country Financial policyholders can expect their prices to go up an average of $31 per month if they get a ticket, while Southern usually raises premiums around $17 a month, on average.

Even so, Country Financial is normally the less expensive option for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 51% and 42% more affordable, respectively, compared to Southern Insurance Company of Virginia.

Which Company is Best for Drivers After an Accident?

Country Financial Southern
Clean Record$105$216
1 At-Fault Accident$147$293

After an accident, drivers who have their car insurance through Country Financial can expect to see about an $42 -- or around 29% -- increase in their insurance rates. Drivers who use Southern for their car insurance will see a monthly bill about $77 (or 26%) more expensive after reporting a collision to their auto insurance company.

Overall, the less expensive premiums come from Country Financial, with monthly prices averaging $147 compared to Southern Insurance Company of Virginia's $293.

Which Company is Best for Drivers with a DUI?

Country Financial Southern
Clean Record$105$216
1 DUI$165$548

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. Southern drivers usually see a 61% increase in their car insurance rates after a DUI charge, while Country Financial will typically raise premiums by around 36%.

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 premiums of $165 a month compared to $548 from Southern.


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How does Credit Score Impact Country Financial and Southern Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly insurance rates. This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it might come into play for many drivers.

The reasoning auto insurance carriers use is that policyholders 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 generally be forced to pay more.

So, which carrier offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Country Financial Southern
Excellent Credit Score$116$219
Good Credit Score$121$261

If you have a great credit score, you'll usually find a better deal with Country Financial. Policyholders with "excellent" credit can save over 45% compared to Southern, and those with "good" scores can also expect to see savings -- about $140 or 54% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Country Financial Southern
Fair Credit Score$127$329
Poor Credit Score$188$480

Country Financial typically offers lower prices than Southern when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $202 per month less with Country Financial compared to Southern, and those with "poor" scores usually save an average of about $292 per month.


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

Country Financial Southern
6,000 Annual Miles$137$307
12,000 Annual Miles$139$337

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. Generally, those who drive fewer miles will end up with less expensive rates since there's less of a chance of getting into an accident and causing an insurance claim.

Country Financial tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Country Financial's average premiums for drivers with 6,000 annual miles come in around $170 more affordable than Southern. Those who drive 12,000 miles every year can expect to pay about $198 less with Country Financial over Southern.

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

Where you live can play a big role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

Country Financial Southern
Urban Areas$175$390
Suburban Areas$131$279
Rural Areas$109$298

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

In urban areas, COUNTRY Financial's average rates are around $215 less than Southern Insurance Company of Virginia. Drivers in suburban ZIP codes pay about $148 less with Country Financial compared to Southern. If you live in a rural area, you can expect to save around $189 with Country Financial compared to Southern.

Country Financial vs. Southern Discounts

Regardless of why you might be in the market for a new 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 car insurance discounts as you can.

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

In the table below, we've broken down all of the different discounts offered by both Country Financial and Southern so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Country Financial Southern
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount
Defensive Driver Discount
Driver Training Discount
Experienced Operator Discount 
Family Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Marital Status Discount 
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
Next Generation Discount 
Occupation Discount 
Paid In Full Discount 
Passive Restraint Discount

Southern blows Country Financial away when it comes to the sheer amount of discounts available, offering 10 more discounts than Country Financial.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and group discounts -- but Southern also offers ABS discounts, advance quote discounts, experienced operator discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- occupation discounts, simply drive discounts, and telematics discounts.


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

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the best one for you and your specific profile and needs?

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

  • Your driving record contains an at-fault collision.
  • You live in an suburban area.
  • You don't spend much time in your car.


Southern might be best for you if...

  • You're looking for discounts -- Southern has the most.

We hope this guide helps you get a better idea of the difference between Country Financial and Southern. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 insurance -- comparing quotes from several companies, not just Country Financial and Southern. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.


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Country Financial vs. Southern FAQs

Is Country Financial or Southern cheaper?

Looking just at the national average premiums, Country Financial is the cheaper of the two companies, offering average rates of $138 a month compared to $322 for Southern. But Country Financial won't necessarily be the cheapest company for each driver, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Country Financial or Southern?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Country Financial and Southern offer me different rates?

Insurance carriers take a look at lots of different factors when calculating the prices they charge policyholders. Variables like your driving record, where you call home, age, gender, and sometimes even things like your credit score can all be used. Both Country Financial and Southern calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if Country Financial or Southern 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, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Country Financial or Southern 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.

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