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

Quick Facts

• Looking at the national averages for insurance, Country Financial offers less expensive prices than Western National
• Country Financial offers cheaper average rates for policyholders whose driving record contains an at-fault collision
• Western National tends to be a much more affordable option for drivers with a DUI

Country Financial or Western National: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering pretty big savings, but exactly how much money can you save by switching?

You might be considering Country Financial or Western National for your next policy, but which one has less expensive premiums for auto insurance?

As you can see, Country Financial has average rates that are around 10% a month cheaper than those from Western National when looking at the national average rates for car insurance.

But that doesn't mean Country Financial will necessarily be more affordable than Western National for every single driver. Insurance carriers vary their prices depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a ton of other factors, so rates will change quite a bit from person to person.

So, if you want to find out which of Country Financial or Western National is really the best for you, keep reading to see average premiums for each carrier broken down by multiple different rate factors.

Country Financial vs. Western National: Average Car Insurance Rates by State

Country Financial and Western National only compete against each other in one states, with Western National offering less expensive rates to the average driver in all of them. Minnesota has the most noticable difference, where Western National prices are $22 cheaper than auto insurance premiums at Country Financial.

But there's more to calculating car insurance rates than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Country Financial for their insurance pay almost 15% less than those who use Western National.

Even so, both companies will reduce rates once you turn 25. Western National offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Country Financial still has the most affordable premiums at $139 a month.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Country Financial and Western National? In this case, Country Financial has the slight edge, with prices about $4 per month less than Western National. That being said, the difference is only around 5%, so other factors (like your driving record or where you live) will likely come into play when determining which company has the cheapest premiums for you.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable car insurance rates than those who are single. This usually boils down to married policyholders having multiple vehicles on their policy -- something quite a few auto insurance carriers will reward with discounts.

For single policyholders, the difference in average prices between these two companies is not very significant, with Country Financial premiums coming in at about 10% less than Western National's. But for married couples, the advantage is clear - Country Financial offers the most affordable average rates.

Country Financial or Western National: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable prices.

On average, women see premiums around 2% a month less with Country Financial, and about 9% less with Western National.

When it comes to the lowest prices for each gender, Country Financial offers the cheapest average premiums for both men and women. On average, women save about $10 per month and men save around $21 with Country Financial compared to the average Western National policyholder.

Country Financial vs. Western National: 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 insurance can be pretty complicated. There are so many different terms 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 bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages alongside liability).

When it comes to state minimum liability insurance, Western National has the edge, while Country Financial offers the most affordable average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $20 with Western National Insurance Company, while full coverage comes out to be about $55 cheaper with COUNTRY Financial.

Is Country Financial or Western National Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that at-fault collisions and speeding tickets lead to higher premiums, but which carrier -- Country Financial or Western National -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National auto insurance policies don't report seeing their rates increase after getting a ticket, but Country Financial policyholders can expect to see their monthly bill increase by around $30.

Even so, Country Financial has less expensive premiums for drivers in both categories -- their rates are around 32% more affordable for drivers with clean records and 12% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with Country Financial raising by about 29%. Western National has a less extreme raise, but you can still expect to pay 0% more than you were prior to your first collision.

At the end of the day, drivers who use Country Financial end up with the cheaper prices after an accident, with average rates coming in at $147 compared to Western National Insurance Company's $154.

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 -- normally a lot more than an accident or speeding ticket. For example, Country Financial increases average premiums by $60 a month -- that's more than a 35% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Western National tends to be less expensive for the average driver, with monthly premiums coming in at around $154 to Country Financial's $165.

How does Credit Score Impact Country Financial and Western National Rates?

Did you know many car insurance carriers take your credit score into account when determining rates? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it might come into play for several policyholders.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper premiums.

So, which company offers the most affordable rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Western National will typically reward you the most. For drivers with "excellent" credit scores, Western National comes in nearly 39.66 more affordable. Drivers with "good" credit scores generally save about 6% with Western National compared to average prices from Country Financial.

Which Company is Best for Drivers with Bad Credit?

Country Financial typically offers lower premiums than Western National when it comes to drivers with bad credit. Drivers with "fair" credit pay around 18% per month less with Country Financial compared to Western National, and those with "poor" scores usually save an average of about 32% monthly.

Is Country Financial or Western National 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 how much insurance carriers will charge for coverage. Generally, the more milage you put on your car, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Country Financial tends to be the less expensive option. Western National's average rates for drivers with 6,000 annual miles come in around 10% more expensive than Country Financial. Those who drive 12,000 miles annually can expect to pay about 11% more with Western National over Country Financial.

Country Financial or Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for car insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Country Financial boasts the cheapest average rates in rural and urban areas, while Western National wins in suburban areas.

Those in rural areas can expect to save around 31% with Country Financial compared to Western National. People who live in suburban areas pay about 3% less with Western National compared to Country Financial. For policyholders in urban ZIP codes, COUNTRY Financial's average premiums are around 1% less than Western National Insurance Company.

Country Financial vs. Western National Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

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.

Luckily, we did the hard work for you and looked at all of the different discounts Country Financial and Western National offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Overall, Western National comes out ahead with 12 discounts to Country Financial's 10.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for getting driver training, and multi-policy discounts -- but Western National also offers discounts for corporate, COVID-19 relief, distant student, and more.

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

Final Thoughts: Is Country Financial or Western National Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, at the end of the day, is Country Financial or Western National the best carrier for you and your specific needs?

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

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You live in a rural area.
• You're of retirement age and want to take advantage of lower prices.

Western National might be best for you if...

• You have above-average credit.
• You're looking for the best rates on liability only coverage.
• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between Country Financial and Western National. We also hope we've given you the information you need to make the best decision about your car 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 several companies, not just Country Financial and Western National. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Country Financial vs. Western National FAQs

Is Country Financial or Western National cheaper?

Country Financial is the cheaper of the two companies when looking at national average prices, with policies averaging $138 a month with Country Financial and $154 for Western National. But that doesn't mean Country Financial will be the lowest company for every policyholder, since there are a variety of different factors that come into play when it comes to your auto insurance payment.

Who is better, Country Financial or Western National?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for each policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Country Financial and Western National offer me different rates?

Car insurance carriers use a lot of different variables when calculating the premiums they charge. Things like your driving record, age, where you park your vehicle, gender, and sometimes even things like your credit score can all come into play. Both Country Financial and Western National calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Country Financial or Western National 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.