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

Quick Facts

• Looking at the national averages for car insurance, Trustgard Auto offers slightly less expensive premiums than Country Financial
• Country Financial has more affordable rates for single people who will be the only person on the auto insurance policy
• Trustgard Auto may help you save more money -- they offer more discounts than COUNTRY Financial

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

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

You might have narrowed it down to Country Financial or Trustgard Auto as your top options, but between the two, which carrier will offer you cheaper premiums?

Looking at nationwide averages, Country Financial is around $1 more a month than Trustgard Auto.

However, Trustgard Auto may not be the most affordable or best option for every driver out there. Car insurance carriers vary their prices depending on things like how good your credit score is, where you live, how clean your driving record is, how old you are, and a ton of other factors, so premiums could differ drastically from person to person.

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

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

Country Financial and Trustgard Auto only compete against each other in one states, with Country Financial offering less expensive rates to the average driver in all of them. Illinois has the most noticable difference, where Country Financial premiums are $52 cheaper than insurance prices at Trustgard Auto.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. That's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 almost 30% per month compared to those who use Trustgard Auto.

But with both companies, you'll see your premiums reduce significantly by the time you turn 25. For example, average prices for Country Financial policyholders drop about $100 and Trustgard Auto's rates decrease around $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest auto insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

When looking at Country Financial and Trustgard Auto specifically, which carrier is best for retired drivers? Trustgard Auto gets the slight edge, with premiums for drivers 65 and older $9 more affordable than the national average for Country Financial.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are generally more expensive for single policyholders than they are for married policyholders? This usually boils down to married drivers having multiple vehicles on their policy -- something quite a few insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is not very significant, with Country Financial premiums coming in at about 6% less than Trustgard Auto's. But for married couples, the advantage is clear - Trustgard Auto offers the lowest average prices.

Country Financial or Trustgard Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get speeding tickets, which means they'll normally end up paying more for car insurance than women.

With Country Financial, women usually pay around 2% a month less than men, and about 6% less with Trustgard Auto.

When it comes to the cheapest premiums for each gender, Trustgard Auto is the most affordable company for women. Rates with Trustgard Auto are $4 cheaper for women, while with Country Financial, men can save around $4.

Country Financial vs. Trustgard 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 auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

Even so, most policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

When it comes to state minimum liability insurance, Trustgard Auto has the edge, while Country Financial offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $3 with Trustgard Auto Insurance, while full coverage comes out to be about $2 cheaper with COUNTRY Financial.

Is Country Financial or Trustgard Auto Better for Drivers with Spotty Records?

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

Collisions and speeding tickets will most likely raise your rates, but is Country Financial or Trustgard Auto less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Country Financial for their auto insurance can generally expect their monthly bill to go up around 23% after getting a speeding ticket. Trustgard Auto policyholders can expect a bit more drastic of an increase of about 34%.

If you have gotten a ticket, Country Financial tends to offer the best premiums at around 8% more affordable, while Trustgard Auto has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Country Financial policyholders who get in an accident can expect to see their rates increase by just under 30%, while those who have insurance through Trustgard Auto will see about a 25% increase.

At the end of the day, the cheaper prices come from Trustgard Auto, with average premiums coming in at $133 compared to COUNTRY Financial's $147.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than a collision or speeding ticket. On average, Trustgard Auto will climb your rates around 43% after a DUI, while Country Financial's average premiums climb by more than 35%.

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 about $165 to Trustgard Auto's $171.

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

Often times, 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 auto insurance factor) but it does affect several drivers out there.

The reasoning car 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 usually be forced to pay more.

So, which carrier offers the most affordable prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Trustgard Auto will generally reward you the most for an "excellent" credit score. For policyholders with "excellent" credit scores, Trustgard Auto comes in 3% less expensive. Drivers with "good" credit scores normally save around 5% with Country Financial compared to average rates from Trustgard Auto.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about 9% less with Country Financial than Trustgard Auto, but those whose credit is considered "poor" have it flipped -- saving around 10% per month with Trustgard Auto.

Is Country Financial or Trustgard 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 your monthly insurance cost. That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trustgard Auto charges. However, there's a small difference in monthly prices for Country Financial, with policyholders who drive 6,000 miles every year paying about $2 less each month compared to those who drive 12,000 miles yearly.

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

Where you call home can play a considerable role in how much you pay for car insurance. Typically, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads where they live.

Looking at these companies side-by-side, Country Financial tends to offer the cheapest option for drivers in rural and suburban areas, while Trustgard Auto wins in urban areas.

Those in rural areas can expect to save around 19% with Country Financial compared to Trustgard Auto. People who live in suburban areas pay about 1% less with Country Financial compared to Trustgard Auto. For policyholders in urban ZIP codes, Trustgard Auto Insurance's average premiums are around 16% less than COUNTRY Financial.

Country Financial vs. Trustgard Auto Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Country Financial and Trustgard Auto so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

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

Both carriers offer a lot of the same discounts -- like anti-theft discounts, discounts for being a good student, and occupation discounts -- but Trustgard Auto also offers discounts for advance quote, advanced safety feature, company car, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like driver training discounts, multi-policy discounts, passive restraint discounts, and more.

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

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best company for you, your vehicle, and your wallet?

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

• You care about discounts (Trustgard Auto offers the most).
• You're looking for the best rates on liability only coverage.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Trustgard Auto might be best for you if...

• You will be the only person on the auto insurance policy.
• Your neighborhood is in a rural area.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Country Financial and Trustgard Auto. We also hope we've given you the information you need to make the best decision about your auto 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 companies, not just Country Financial and Trustgard Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Country Financial vs. Trustgard Auto FAQs

Is Country Financial or Trustgard Auto cheaper?

Trustgard Auto is the more affordable of the two companies when looking at national average prices, with policies averaging $137 a month with Trustgard Auto and $138 for Country Financial. That being said, that doesn't mean Trustgard Auto will be the most affordable carrier for every policyholder, since there are many different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Country Financial or Trustgard Auto?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for each policyholder -- it all boils down to your unique car insurance profile. For example, Trustgard Auto is less expensive for drivers with excellent credit, while Country Financial offers cheaper rates for drivers with a recent DUI.

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

Auto insurance carriers use a lot of different variables when determining the premiums they charge. Factors such as where your home is, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and Trustgard Auto calculate rates differently, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Country Financial or Trustgard 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.