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

Quick Facts

• In general, Country Financial offers significantly cheaper rates than Progressive
• Country Financial offers more affordable average prices for policyholders who may not have much of a commute
• Progressive offers more discounts than COUNTRY Financial

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

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

You've maybe even narrowed it down to Country Financial or Progressive for your next policy, but between the two, which company has less expensive premiums for auto insurance?

Looking at the national average rates for both companies, Country Financial has average rates that are about 23% per month cheaper than those from Progressive.

Even so, that doesn't necessarily mean Country Financial will be the less expensive option for each driver. Insurance carriers use a ton of complex algorithms to calculate prices, so depending on how old you are or how clean your driving record is (among numerous other factors), you could see wildly different rates from the ones above.

Wanting to know if Country Financial or Progressive is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Country Financial or Progressive: Average Car Insurance Rates by State

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

There are plenty of other factors that go into your car insurance payment than just your home state. Keep reading to find out more.

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Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group on the road. It's 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.

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 nearly $200 less than those who use Progressive.

That being said, both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for Country Financial policyholders decrease more than 45% and Progressive's rates lower almost 70% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you can find.

So, which carrier offers the best premiums to retired drivers? Country Financial gets the edge here, with average rates coming in at around $105 monthly compared to Progressive's $131.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for those who are single than they are for married policyholders. This usually boils down to married couples having several cars on their policy -- something a lot of car insurance carriers will reward with discounts.

When it comes to relationship status, Country Financial is the clear winner for single drivers, with prices about $61 a month more affordable than Progressive, on average. The advantage for married drivers with Country Financial is also obvious, where drivers save nearly 15% per month.

Country Financial vs. Progressive: Average Rates by Gender

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

Men typically pay around $3 a month more than women with Country Financial, and about $5 more with Progressive.

Looking at overall affordability, Country Financial comes out on top for both men and women. On average, male drivers save about $43 per month and women save around $41 with Country Financial compared to the average Progressive policyholder.

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Country Financial or Progressive: 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.

Auto insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability limits, Country Financial normally offers significantly cheaper rates of $82 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Country Financial again has the edge, with policies about $55 a month less expensive than Progressive, on average.

Is Country Financial or Progressive 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 companies offers the most affordable prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Country Financial policyholders can expect their premiums to go up an average of $31 per month if they get a ticket, while Progressive typically raises prices around $31 a month, on average.

But Country Financial tends to offer the best prices for drivers both with a speeding ticket and with a clean record -- their rates are around 30% more affordable for drivers with clean records and 24% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Country Financial drivers who get in a collision can expect to see their premiums increase by just under 30%, while those who have insurance through Progressive will see about a 30% increase.

Overall, the less expensive rates come from Country Financial, with monthly prices averaging $147 compared to Progressive's $214.

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 ticket. On average, Country Financial will climb your premiums around 36% after a DUI, while Progressive's average rates climb by over 15%.

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How does Credit Score Impact Country Financial and Progressive Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the lowest prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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Is Country Financial or Progressive Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a big impact on your monthly premiums? Generally, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into a collision and causing an insurance claim.

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

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

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a pretty big impact as well. Usually, 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 for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Country Financial offers premiums around $175 a month compared to Progressive's $207. People who live in suburban ZIP codes can expect to pay about $131 per month for Country Financial and $179 for Progressive. Lastly, those in rural areas tend to get the lowest rates from both carriers, with average monthly prices coming in at $109 and $154 for Country Financial and Progressive respectively.

Country Financial vs. Progressive 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 with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

In the table below, we've taken a look at all of the different discounts Country Financial and Progressive 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.

Progressive blows Country Financial away when it comes to the sheer amount of discounts available, offering 24 more discounts than Country Financial.

Both companies offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and group discounts -- but Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that Country Financial does not.

On the flip side, Country Financial has a couple unique discounts of its own -- discounts for getting driver training, occupation discounts, simply drive discounts, and more.

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

So, we've broken down the average rates for many of the factors insurance carriers look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which company is the best carrier for you, your vehicle, and your wallet?

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

• You're single and purchasing car insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You drive fewer than 12,000 miles each year.

Progressive might be best for you if...

• You value the experience that comes with a large national auto insurance carrier.
• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Country Financial and Progressive. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Country Financial and Progressive. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

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Country Financial vs. Progressive FAQs

Is Country Financial or Progressive cheaper?

Looking just at the national average premiums, Country Financial is the more affordable of the two companies, offering average rates of $138 a month compared to $180 for Progressive. Even so, Country Financial won't necessarily be the cheapest carrier for everyone, since there are a range of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Country Financial or Progressive?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Country Financial and Progressive offer me different rates?

Auto insurance carriers take a look at many different factors when calculating the prices they charge drivers. Things like gender, age, where your home is, your driving record, and sometimes even things like your credit score can all be used. Both Country Financial and Progressive calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company 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 free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Country Financial or Progressive at all!

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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.