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

Quick Facts

• In general, Country Financial offers significantly cheaper premiums than Trexis
• Country Financial has less expensive prices for people who are single and purchasing auto insurance by yourself
• Trexis offers more discounts than COUNTRY Financial

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

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

You might have narrowed your search down to Country Financial or Trexis for your next policy, but between the two, which company has more affordable premiums for car insurance?

Looking at nationwide averages, Trexis is quite a bit more expensive than Country Financial, with prices averaging $220 per month compared to just $138 with Country Financial.

But that doesn't mean Country Financial will necessarily be cheaper than Trexis for each driver. Insurance companies use tons of complex algorithms to calculate rates, so depending on how old you are or how clean your driving record is (among an array 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 Trexis by multiple different rate factors, so read on to find out which company is the best for you.

Country Financial or Trexis: Average Car Insurance Rates by State

Country Financial and Trexis only compete against each other in one states, with Country Financial offering less expensive prices to the average driver in all of them. Alabama has the most noticable difference, where Country Financial rates are over 70% more affordable than auto insurance prices at Trexis.

But there's more to calculating car insurance premiums than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group out there on the road. It's typically because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Country Financial save nearly $250 a month compared to those who use Trexis.

That being said, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Country Financial policyholders drop more than $100 and Trexis's prices reduce about $300 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best rates to retired drivers? Country Financial gets the edge, with premiums for drivers 65 and older almost 40% less expensive than the national average for Trexis.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper car insurance prices than single policyholders. This usually boils down to married policyholders having more than one car on their policy -- something quite a few auto insurance companies will reward with discounts.

When it comes to relationship status, Country Financial is the clear winner for single drivers, with rates around $103 per month more affordable than Trexis, on average. The advantage is also clear for married couples - Country Financial offers the most affordable average premiums.

Country Financial vs. Trexis: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll usually end up paying more for insurance than women.

Women generally pay about $3 a month less than men with Country Financial, and around $20 cheaper with Trexis when compared to their male counterparts.

When it comes to the lowest prices for each gender, Country Financial comes out on top for both men and women. On average, women save about $73 per month and men save about $90 with Country Financial compared to the average Trexis policyholder.

Country Financial or Trexis: 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 auto insurance can be pretty complicated. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability limits, Country Financial normally offers cheaper premiums of $82 compared to Trexis's $108. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies around $150 a month more affordable than Trexis, on average.

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

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with collisions and tickets on your record, but which of these two carriers offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial policyholders can expect their prices to go up an average of $31 per month if they get a ticket, while Trexis generally raises rates about $43 a month, on average.

However, Country Financial is usually the less expensive option for drivers both with a speeding ticket and with a clean record -- their rates are around 42% more affordable for drivers with clean records and 40% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Country Financial can expect to see around an $42 -- or about 29% -- increase in their car insurance prices. Drivers who use Trexis for their insurance will see a monthly bill around $65 (or 26%) more expensive after reporting a collision to their auto insurance company.

Overall, Country Financial offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $147 compared to Trexis Insurance's $247.

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 ticket when it comes to your car insurance bill. Country Financial drivers usually see a 36% climb in their insurance prices after a DUI charge, while Trexis will normally increase premiums by about 19%.

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 rates of $165 per month compared to $226 from Trexis.

How does Credit Score Impact Country Financial and Trexis Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly auto insurance premiums. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

Looking specifically at Country Financial and Trexis, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Country Financial. Policyholders with "excellent" credit can save over 40% compared to Trexis, and those with "good" scores can also expect to see savings -- around $95 or 44% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower prices than Trexis when it comes to drivers with bad credit. Drivers with "fair" credit pay about $94 per month less with Country Financial compared to Trexis, and those with "poor" scores generally save an average of around $61 monthly.

Is Country Financial or Trexis 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 your monthly car insurance bill. That's because the more miles you put on your car, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trexis charges. However, there's a small difference in monthly premiums for Country Financial, with drivers who put 6,000 miles on their vehicle every year paying about $2 less each month compared to those who drive 12,000 miles annually. Still, Country Financial is the less expensive option for drivers in both categories.

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

Where you park your car can have a considerable impact on your monthly auto insurance cost. Usually, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the roads in those areas.

When comparing these two companies side-by-side, Country Financial normally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both carriers, but Country Financial comes out on top with average premiums around $109 a month. Country Financial also has cheaper average rates for drivers in urban and suburban ZIP codes -- a 35% and 41% a month respective difference when compared to Trexis policyholders in similar areas.

Country Financial vs. Trexis Discounts

Regardless of 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 possible. 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 hard to find all the ones you're eligible for.

In the table below, we've taken a look at all of the different discounts Country Financial and Trexis offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Trexis blows Country Financial away when it comes to the sheer amount of discounts available, offering 16 different discounts to Country Financial's 10.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts. Trexis also offers advance quote discounts, agency transfer discounts, education discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- anti-theft discounts, occupation discounts, passive restraint discounts, and more.

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

So, we've broken down the average prices for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the right fit for you?

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

• You're single and purchasing auto insurance by yourself.
• You have a short drive to work everyday.

Trexis might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Country Financial and Trexis and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Country Financial and Trexis. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Country Financial vs. Trexis FAQs

Is Country Financial or Trexis cheaper?

Looking just at the national average rates, Country Financial is the less expensive of the two carriers, offering average rates of $138 per month compared to $220 for Trexis. That being said, Country Financial won't necessarily be the cheapest company for every driver, since there are lots 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 Trexis?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Country Financial and Trexis offer me different rates?

Insurance companies take a look at a lot of different factors when calculating the prices they charge drivers. Things such as age, your driving record, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Country Financial and Trexis calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car 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 makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Country Financial or Trexis 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.