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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
If you’re in the market for an auto policy, COUNTRY Financial and State Farm are two insurance companies you might want to explore.
COUNTRY Financial offers cheap average premiums and plenty of coverage options for different drivers. On the other hand, State Farm is a larger, more established car insurance company that is available in more states.
Let’s take a closer look at how COUNTRY Financial and State Farm compare so you can make the most informed decision for your car insurance needs.
COUNTRY Financial advertises unique discounts for teachers, police officers, and engaged couples.
State Farm offers rideshare insurance, while COUNTRY Financial has new car replacement, umbrella liability, and windshield replacement coverages.
Both insurers have telematics programs. COUNTRY Financial offers DriverIQ, and State Farm has Drive Safe & Save.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 665 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $38/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $67/mo |
Based in Bloomington, Illinois, and founded in 1925 by a group of farmers, COUNTRY Financial offers a variety of financial products, including car insurance, home insurance, IRAs, and 529 college savings plans. The company aims to make auto insurance more affordable through lower-than-average rates and unique discount opportunities, like its legacy discount.
Other noteworthy features include the DriverIQ telematics program and The Keeper, which can replace your new car if you total it. But COUNTRY Financial is available in only 19 states and you must work with an agent to get coverage.
Affordable rates for most drivers
Unique discounts available
Up to 25% off with DriverIQ
Available in only 19 states
Rideshare insurance not available
Gap insurance not available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has been around since 1922, when George J. Mecherle, a farmer and insurance salesman, founded it. Headquartered in Bloomington, Illinois, it’s one of the largest car insurance companies in the U.S. Its diverse lineup of products includes car insurance, home insurance, IRAs, 529 plans, annuities, and more.[1]
State Farm is available in all 50 states and the District of Columbia and offers savings opportunities through various discounts and its Drive Safe & Save telematics program.
Despite the benefits, you may find cheaper insurance and more add-ons with another insurer. State Farm also doesn’t offer some coverages available elsewhere, like new car replacement. The company’s rates also may not be the most affordable if you’re a high-risk driver.
Available in all 50 states
Offers rideshare insurance
Above-average customer satisfaction ratings[2]
New car replacement coverage not available
Fewer discounts than other companies
Higher rates for some drivers
When comparing auto insurance companies, it’s important to look beyond cost. That’s why we did the research for you and analyzed each company’s customer service, ease of use, availability, and reputation to calculate the insurers’ Compare.com Ratings.
The table below compares ratings in different categories for COUNTRY Financial and State Farm, according to our research.
Category  | COUNTRY Financial | State Farm |
|---|---|---|
| Cost | 5.0/5 | 5.0/5 |
| Customer satisfaction | 5.0/5 | 4.7/5 |
| Policy management | 4.6/5 | 5.0/5 |
| Availability | 3.7/5 | 5.0/5 |
| Industry reputation | 3.3/5 | 5.0/5 |
| Overall Score | 4.85/5 | 5.0/5 |
Although COUNTRY Financial and State Farm rate well, State Farm wins overall. While both insurance companies have competitive rates, COUNTRY Financial comes out on top in the customer satisfaction department. On the other hand, State Farm shines for policy management, availability, and industry reputation.
Let’s dive deeper into how both companies stack up in each category.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Car insurance premiums vary from driver to driver. Car insurance companies consider several factors when determining premiums, including your age, ZIP code, vehicle type, and driving record. That’s why it’s a good idea to shop around and average rates for drivers similar to you.
Here’s a look at how full-coverage rates with State Farm and COUNTRY Financial compare for different coverage levels and driver profiles, according to Compare.com data.
Driver Type | COUNTRY Financial | State Farm | Industry Average |
|---|---|---|---|
| All drivers | $67 | $109 | $177 |
| Teens | $88 | $220 | $339 |
| Seniors | $53 | $79 | $151 |
| Recent ticket | $94 | $135 | $223 |
| Recent accident | $89 | $139 | $232 |
| DUI conviction | $97 | $158 | $257 |
| Poor credit | $81 | $174 | $215 |
On average, COUNTRY Financial offers cheaper car insurance rates for liability-only insurance and full-coverage policies. You might still land a good deal with State Farm, but COUNTRY Financial is likely your best bet if you’re a younger driver or have a traffic violation on your record.
Get quotes from top companies and find the right coverage.
Your location can have a major effect on your car insurance costs. Insurers consider many local factors when setting premiums, like state regulations, crime rates, and the number of uninsured drivers. For example, if you live in an urban area with high crime, you’ll likely pay more for coverage than someone in an area with lower crime rates and fewer drivers on the road.
Below, you’ll find average premiums from across the country for COUNTRY Financial and State Farm, according to Compare.com data.
State | COUNTRY Financial | State Farm |
|---|---|---|
| Alabama | $102 | $93 |
| Alaska | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_AK_PRICE} | $139 |
| Arizona | $262 | $134 |
| Arkansas | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_AR_PRICE} | $85 |
| California | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_CA_PRICE} | $279 |
| Colorado | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_CO_PRICE} | $114 |
| Connecticut | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_CT_PRICE} | $154 |
| Delaware | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_DE_PRICE} | $184 |
| Florida | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_FL_PRICE} | $115 |
| Georgia | $145 | $143 |
| Hawaii | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_HI_PRICE} | $138 |
| Idaho | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_ID_PRICE} | $49 |
| Illinois | $118 | $85 |
| Indiana | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_IN_PRICE} | $81 |
| Iowa | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_IA_PRICE} | $43 |
| Kansas | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_KS_PRICE} | $95 |
| Kentucky | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_KY_PRICE} | $159 |
| Louisiana | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_LA_PRICE} | $106 |
| Maine | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_ME_PRICE} | $82 |
| Maryland | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_MD_PRICE} | $269 |
| Massachusetts | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_MA_PRICE} | $76 |
| Michigan | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_MI_PRICE} | $221 |
| Minnesota | $234 | $88 |
| Mississippi | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_MS_PRICE} | $73 |
| Missouri | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_MO_PRICE} | $114 |
| Montana | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_MT_PRICE} | $63 |
| Nebraska | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_NE_PRICE} | $130 |
| Nevada | $66 | $96 |
| New Hampshire | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_NH_PRICE} | $96 |
| New Jersey | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_NJ_PRICE} | $432 |
| New Mexico | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_NM_PRICE} | $135 |
| New York | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_NY_PRICE} | $201 |
| North Carolina | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_NC_PRICE} | $147 |
| North Dakota | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_ND_PRICE} | $41 |
| Ohio | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_OH_PRICE} | $72 |
| Oklahoma | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_OK_PRICE} | $79 |
| Oregon | $143 | $96 |
| Pennsylvania | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_PA_PRICE} | $77 |
| Rhode Island | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_RI_PRICE} | $160 |
| South Carolina | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_SC_PRICE} | $116 |
| South Dakota | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_SD_PRICE} | $90 |
| Tennessee | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_TN_PRICE} | $90 |
| Texas | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_TX_PRICE} | $96 |
| Utah | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_UT_PRICE} | $115 |
| Vermont | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_VT_PRICE} | $30 |
| Virginia | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_VA_PRICE} | $103 |
| Washington | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_WA_PRICE} | $111 |
| District of Columbia | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_DC_PRICE} | $298 |
| West Virginia | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_WV_PRICE} | $80 |
| Wisconsin | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_WI_PRICE} | $61 |
| Wyoming | $${AUTO_CARRIER_COUNTRY-FINANCIAL_FULL_STATE_WY_PRICE} | $51 |
Every car insurance company offers different coverage options. Knowing which insurers offer the coverage you need can help you decide which company is right for you.
The table below shows which coverages COUNTRY Financial and State Farm offer, according to publicly available information.
Coverage Type | COUNTRY Financial | State Farm |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | |
| Personal property | ✔ | |
| Uninsured/underinsured motorist (UM/UIM) | ✔ | ✔ |
| Roadside assistance/emergency road service | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ||
| Accident forgiveness | ||
| Mechanical breakdown | ||
| Rideshare endorsement | ✔ | |
| Vanishing deductibles | ||
| New car replacement | ✔ | |
| Pet injury | ||
| Umbrella liability | ✔ | |
| Windshield replacement | ✔ |
State Farm and COUNTRY Financial both offer standard coverages like liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
But compared to State Farm, COUNTRY Financial has more optional add-ons. COUNTRY Financial offers windshield replacement, umbrella liability, and new car replacement. Neither company offers accident forgiveness or gap insurance, but only State Farm sells rideshare driver coverage.
Most car insurance companies offer discounts to help customers save on auto insurance. For example, you might score a discount if you get good grades, complete an approved driving course, or insure multiple vehicles. As you do your research, you’ll notice that some insurers have better discounts than competitors.
Here’s an overview of the most common discounts you’ll find at COUNTRY Financial and State Farm, according to publicly available information.
Discount Type | COUNTRY Financial | State Farm |
|---|---|---|
| Affinity | ||
| Alternative energy | ||
| Anti-theft | ✔ | ✔ |
| Automatic payments | ||
| Customer loyalty | ||
| Defensive driver | ✔ | ✔ |
| Good driver | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Early shopper/advanced quote | ✔ | |
| Engaged couple | ✔ | |
| Federal employee | ||
| Homeowner | ||
| Legacy | ✔ | |
| Low mileage | ✔ | |
| Military | ||
| Multi-policy | ✔ | |
| Multi-vehicle | ✔ | |
| New car | ||
| Paperless billing | ||
| Passive restraint | ✔ | |
| Paid-in-full | ||
| Safe driver | ✔ | |
| Safety equipment | ✔ | |
| Student away at school | ✔ | |
| Teacher/occupation | ✔ | |
| Teen driver/driver training | ✔ | ✔ |
| Usage-based/telematics | ✔ | ✔ |
COUNTRY Financial advertises more discounts than State Farm. But both insurance companies offer several of the same discounts, including teen driver, anti-theft, and safe driver discounts. COUNTRY Financial also offers unique discounts for teachers, police officers, and other professionals, plus engaged couples and parents who want to pass their discount to their children.
Customer reviews can give you an idea of how a car insurance company treats its current and former customers. Before you choose an insurer, it’s worth your time to read customer reviews so you know what to expect.
While we don't have any recent customer reviews of COUNTRY Financial, here's what current and past State Farm customers have to say about their time with the company.
Compare quotes from 100+ top insurance companies and save money in seconds.
Below, you’ll find answers to some common questions about COUNTRY Financial and State Farm car insurance.)
It depends. Your particular situation, budget, and personal preferences determine whether you’re better off with State Farm or COUNTRY Financial. State Farm might make sense if you want a more established insurer with more availability and solid customer service. But COUNTRY Financial might be a better fit if you want cheap coverage and unique discounts.
It depends. State Farm earned the highest marks in our recent Compare.com Rating study, but it may not be the best option for everyone. GEICO, Allstate, Nationwide, and American Family are also great options.
It depends. COUNTRY Financial typically offers more affordable car insurance than State Farm for most drivers. But your rates can vary by many factors, including your location, age, and driving record. You should always compare rates from multiple companies to find the best insurer for your budget and coverage needs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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