Country Financial vs. West Bend Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, West Bend Mutual offers slightly less expensive premiums than Country Financial
• Country Financial offers more affordable prices for drivers with a DUI
• West Bend Mutual tends to be a much cheaper option for policyholders who drive fewer than 6,000 miles every year

Country Financial or West Bend Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering sizable savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Country Financial or West Bend Mutual as your top options, but between the two, which one has more affordable premiums for insurance?

Looking at the national average rates for both carriers, Country Financial is around $7 more a month than West Bend Mutual.

Even so, that doesn't mean West Bend Mutual will necessarily be cheaper than Country Financial for each driver. Auto insurance companies use all sorts of complex algorithms to determine prices, so depending on where you live or how good your credit score is (among lots of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Country Financial and West Bend Mutual by lots of different rate factors, so read on to find out which company is the best for you.

Country Financial vs. West Bend Mutual: Average Car Insurance Rates by State

Country Financial and West Bend Mutual only compete against each other in one states, with West Bend Mutual offering more affordable prices to the average driver in all of them. Minnesota has the most noticable difference, where West Bend Mutual rates are $11 less expensive than insurance prices at Country Financial.

That being said, there are plenty of other factors that go into your car insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers out there on the road. That's normally because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance rates. Just look at the table above -- where 18-year-old drivers who have Country Financial for their car insurance pay 20% less than those who use West Bend Mutual.

However, with both carriers, you'll see your premiums drop significantly once you turn 25. For example, average rates for Country Financial policyholders reduce over 45% and West Bend Mutual's premiums decrease more than 65% 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 prices out there.

When looking at Country Financial and West Bend Mutual specifically, which carrier is best for retired drivers? West Bend Mutual gets the edge, with rates for drivers 65 and older $13 more affordable than the national average for Country Financial.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be less expensive for married policyholders than they are for those who are single. That's because policies for married drivers typically cover several vehicles, which many companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is not very significant, with Country Financial rates coming in at about 1% less than West Bend Mutual's. The advantage for married couples is more obvious, where drivers who use West Bend Mutual save over 15% per month.

Country Financial or West Bend Mutual: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

Men usually pay around $3 a month more than women with Country Financial, but with West Bend Mutual, the difference is closer to $16 per month.

Looking at overall affordability, West Bend Mutual offers the most affordable average prices for both men and women, with average premiums $1 less for men and $14 cheaper for women.

Country Financial vs. West Bend Mutual: 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.

For most people, car insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two 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 collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, West Bend Mutual has the slight edge, with average monthly prices coming in at $77. If you want a full coverage policy with the same state minimum limits, West Bend Mutual again has the edge, with policies averaging about $186 a month to Country Financial's $194.

Is Country Financial or West Bend Mutual Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two carriers offers the cheapest premiums to drivers with less-than-perfect 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. West Bend Mutual policyholders can expect a bit more drastic of an increase of about 23%.

But West Bend Mutual is usually the cheaper option for drivers both with a ticket and with a clean record, offering prices that are $21 and $27 more affordable, respectively, compared to COUNTRY Financial.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with West Bend Mutual raising by around 48%. Country Financial has a less extreme rise, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, drivers who use Country Financial end up with the cheaper prices after an accident, with average prices coming in at $147 compared to West Bend Mutual Insurance's $163.

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 car insurance bill -- typically a lot more than an accident or speeding ticket. For example, West Bend Mutual increases average rates by $85 per month -- that's more than a 50% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Country Financial tends to be less expensive for the average driver, with monthly premiums coming in at about $165 to West Bend Mutual's $169.

How does Credit Score Impact Country Financial and West Bend Mutual Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly insurance rates. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect quite a few drivers out there.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at West Bend Mutual and Country Financial, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, West Bend Mutual will generally reward you the most. For policyholders with "excellent" credit scores, West Bend Mutual comes in over 16.38 cheaper. Drivers with "good" credit scores normally save around 5% with West Bend Mutual compared to average prices from Country Financial.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar 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 5% less with Country Financial than West Bend Mutual, but those whose credit is considered "poor" have it flipped -- saving around 4% a month with West Bend Mutual.

Is Country Financial or West Bend Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on how much car insurance carriers will charge for coverage. Typically, the more milage you drive, the more you can expect to pay for auto insurance.

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

Country Financial or West Bend Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a large impact on your monthly insurance cost. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads where they live.

When comparing these two companies side-by-side, West Bend Mutual boasts the lowest average rates in urban and suburban areas, while Country Financial wins in rural areas.

For drivers in urban ZIP codes, West Bend Mutual Insurance's average premiums are around $17 less than COUNTRY Financial. People who live in suburban areas pay about $9 less with West Bend Mutual compared to Country Financial. Those in rural areas can expect to save around $4 with Country Financial compared to West Bend Mutual.

Country Financial vs. West Bend Mutual Discounts

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

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Country Financial and West Bend Mutual offer their customers so that you can see which one can save you the most money each month.

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

There are a couple discounts both carriers offer, but West Bend Mutual also offers discounts for ABS, advanced safety feature, distant student, and more.

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

Final Thoughts: Is Country Financial or West Bend Mutual Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, is Country Financial or West Bend Mutual the right company for you and your specific driver profile?

West Bend Mutual might be best for you if....

• You have a clean record.
• Your home is located in the suburbs.
• You're of retirement age and want to take advantage of lower prices.

Country Financial might be best for you if...

• Your driving record includes a DUI charge.
• You live in a rural neighborhood.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Country Financial and West Bend Mutual and that you can now make a more informed decision when it comes to 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 multiple carriers, not just Country Financial and West Bend Mutual. 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 car insurance companies in your area, all in just a few minutes.

Country Financial vs. West Bend Mutual FAQs

Is Country Financial or West Bend Mutual cheaper?

West Bend Mutual is the cheaper of the two carriers when looking at national average rates, with policies averaging $131 per month with West Bend Mutual and $138 for Country Financial. Even so, that doesn't mean West Bend Mutual will be the most affordable carrier for everyone, since there are several different variables that come into play when it comes to your insurance bill.

Who is better, Country Financial or West Bend Mutual?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique car insurance profile. For example, West Bend Mutual is more affordable for drivers with excellent credit, while Country Financial offers cheaper prices for drivers with a recent DUI.

Why do Country Financial and West Bend Mutual offer me different rates?

Auto insurance companies use lots of different factors when determining the rates they charge. Things such as gender, your driving record, where you live, age, and sometimes even things like your credit score can all be taken into consideration. Both Country Financial and West Bend Mutual calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Country Financial or West Bend Mutual 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 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 ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Country Financial or West Bend Mutual 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.