COUNTRY Financial vs. State Farm: Which Insurer Is Better for You?

COUNTRY Financial and State Farm have similar coverages and perks, but COUNTRY Financial may be the better insurer for many drivers. It has cheaper average premiums in many categories and slightly more discounts. Even drivers with marks on their driving record or poor credit might find that COUNTRY Financial is the best car insurance company for their needs.

On the flip side, State Farm is a larger and more well-known auto insurer and scores higher for ease of use, availability, and industry reputation.

Let’s see how COUNTRY Financial and State Farm stack up so you can decide for yourself. Read on to find out.

Key Takeaways:

• COUNTRY Financial offers cheaper average rates than State Farm for drivers of all ages and driving records.
• State Farm’s average monthly premiums for liability and full-coverage insurance are more than double COUNTRY Financial’s rates.
• COUNTRY Financial has more discount options, including special discounts for teachers and first responders.

How State Farm and COUNTRY Financial Stack Up

When comparing auto insurance companies, there’s more to consider than just price. That’s why we’ve researched dozens of companies to see how good they really are. We tallied up factors like price, customer experience, ease of use, availability, and reputation to determine each company’s Compare.com Rating.

The table below breaks down how COUNTRY Financial and State Farm rate in each category and overall.

Both COUNTRY Financial and State Farm rate well overall, but State Farm comes out on top. The two companies are competitive in terms of cost, but COUNTRY Financial has the edge when it comes to customer satisfaction. State Farm has been in business since 1929 and offers policies nationwide, giving it a clear advantage in the availability and industry reputation categories.

Let’s take a closer look at how each company stacks up in each category.

COUNTRY Financial vs. State Farm: Average Auto Insurance Premiums Breakdown

Car insurance rates vary from person to person because insurers consider multiple factors when calculating premiums. Your ZIP code, the type of vehicle you drive, and your driving record all factor into your final rate.

The data here shows how State Farm and COUNTRY Financial compare on cost for different coverage levels and driver profiles.

COUNTRY Financial is more affordable on average for liability-only policies and full-coverage insurance. The good news is that both companies charge less than the national average. But COUNTRY Financial is the obvious choice if you have poor credit, you’re a younger or older driver, or you have a driving record that includes an at-fault accident or DUI.

State Farm vs. COUNTRY Financial: Average Car Insurance Rates by State

Crossing state lines means more than just a change in scenery — it also means a change in car insurance rates. Each state has its own minimum auto insurance requirements and laws about how companies can set premiums — each of which can affect average rates.

Below, you’ll see prices from a handful of states where COUNTRY Financial and State Farm are direct competitors.

State Farm comes out ahead with the lowest rates in all but Nevada. But if you look at the data, you’ll see that COUNTRY Financial is a close second in Alabama and Georgia. The premiums are only a few dollars different on average — that’s something even the best car insurance comparison site might not tell you.

COUNTRY Financial vs. State Farm: Average Rates by Age

Your age is a key factor in how much you pay for car insurance. Generally, insurance companies classify young drivers as riskier to insure because they lack driving experience and are more likely to get into a car accident. It’s why teen car insurance is so expensive — but prices tend to decrease as you age.

Here’s how COUNTRY Financial and State Farm perform across different age groups.

COUNTRY Financial is in a league of its own, offering cheaper premiums for every age group. The difference in price is most notable for teen drivers — State Farm charges teens an average nearly four times higher than COUNTRY Financial.

State Farm vs. COUNTRY Financial: Average Rates by Driving Record

Your driving history is one of the biggest factors that affect premium costs. The severity of a driving offense often determines how much (or how little) your rates jump. For example, insurers might determine that a speeding ticket makes you a somewhat risky driver, but a recent DUI could indicate a much greater risk.

Here’s how different driving offenses can change the average cost of car insurance from State Farm and COUNTRY Financial.

COUNTRY Financial’s premiums are a lot cheaper than State Farm’s. Whether you have a clean driving record or a blemish on your record, COUNTRY Financial offers the best rates on average. The most noticeable difference is COUNTRY Financial’s average rate for drivers with a DUI, which is only $19 more per month than those with clean records.

Since your driving record is just one factor that influences your rates, it’s always a good idea to shop around before selecting your next insurance company.

Comparing State Farm and COUNTRY Financial Car Insurance Discounts

Car insurance discounts are an easy way to make car insurance more affordable. Insurance companies offer various discounts to reward things like less driving, safe driving, and customer loyalty. Insurers also base these discounts on your driving record, the type of car you drive, your demographic information, and more.

Let’s look at some of the most common discounts you’ll find at COUNTRY Financial and State Farm to see how they compare.

COUNTRY FINANCIAL offers the most discounts overall. Both companies offer several of the same discounts, such as good driver, multi-car, multi-policy, good student, and legacy discounts. But COUNTRY Financial offers more unique discounts targeting teachers, first responders, and engaged couples.

Comparing COUNTRY Financial and State Farm Customer Satisfaction

Looking at customer reviews can give you a good insight into how a company treats its customers. But many review websites offer a range of customer experiences, so it’s important to remember that experiences can vary widely.

The table below shows COUNTRY Financial’s and State Farm’s customer satisfaction ratings across four popular review platforms.

COUNTRY Financial edges out State Farm on Trustpilot and the Better Business Bureau. The two insurance companies are tied for ratings on Clearsurance, but COUNTRY Financial has no reviews for auto insurance on the ConsumerAffairs site.

Although customer reviews can provide some insight, ratings don’t always tell the whole story. As you can see from the State Farm reviews below, both reviewers indicated they paid more than they might with another company, but one rating is good, and the other is poor.

More About State Farm and COUNTRY Financial

At the end of the day, you’ll need to decide on an auto insurance company — and you might want to consider factors beyond pricing and review scores. For instance, one company might have better claims processing time but not offer coverage levels to fit your financial needs.

Let’s take a closer look at how each company compares.

Coverage options

Coverage options are the key factor when deciding which car insurance companies are best. You’ll find insurance products like emergency roadside assistance and rental car coverage with both companies. But State Farm offers rideshare driver coverage, while COUNTRY Financial doesn’t. So, COUNTRY might not be the best option if you’re an Uber driver, for example.

Company perks

Perks are another way companies can stand out. Benefits are similar with State Farm and COUNTRY Financial: both have telematics programs with discounts for safe driving and local agents for personalized customer service. But State Farm has a significantly larger agent network of 19,000 agents, while COUNTRY Financial has just 2,000.

Claims processing

Both State Farm and COUNTRY Financial allow you to file an insurance claim online, through the app, or over the phone. State Farm takes it a step further by offering a photo estimate tool to document damages and giving you a payout within 48 hours. So, it might be the winner if you’re in a rush.

Mobile apps

Both auto insurers offer mobile apps with comparable features. State Farm and COUNTRY Financial policyholders can view their ID cards, request roadside assistance, and file auto insurance claims in their apps. The apps for both companies are available on Apple and Android devices.

COUNTRY Financial vs. State Farm FAQs

COUNTRY Financial and State Farm car insurance policy options share several similarities. If you’re still on the fence about which to choose, the questions and answers below might help you make a decision.

What are the best car insurance companies?

It depends — the best car insurance company can differ from driver to driver. COUNTRY Financial offers the cheapest rates overall and is an affordable option for young drivers, teens, and drivers with spotty records, according to Compare.com data. But State Farm has a stronger industry reputation and availability.

That said, obtaining quotes and taking all factors into consideration, from price to policy limits, can help you choose the best car insurance company for your situation and needs.

Why are State Farm’s rates so high?

Many factors go into determining rates, so there’s no single reason why some, including State Farm, are more expensive than others. That said, marketing costs can partially explain State Farm’s higher rates. State Farm regularly runs commercials and other advertisements.

Companies that spend less money on marketing can sometimes pass those savings on to customers, though that isn’t always the case.

Who’s State Farm’s biggest competitor?

COUNTRY Financial is a State Farm competitor but is a lesser-known company than some larger insurers. State Farm’s direct competitors include companies like Progressive, GEICO, Farmers Insurance, and Nationwide Mutual Insurance.

What’s the best alternative to State Farm?

While only you can decide which insurance company best meets your needs, COUNTRY Financial is a good auto insurance alternative to State Farm. COUNTRY Financial offers many of the same perks as State Farm, but it’s a cheaper option for many drivers.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Rating Methodology:

Compare.com’s mission is to help our readers make more informed decisions about their personal finances. Our editorial staff has crafted a proprietary, objective rating formula — the Compare.com Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers. The score you see referenced in this article is based on several factors, including:

• Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
• Customer satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies, and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
• Ease of use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
• Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
• Industry reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best Financial Strength rating, BBB accreditation, and other related factors.

Sources:

1. Trustpilot, “COUNTRY Financial,” last accessed May 23, 2024.
2. Trustpilot, “State Farm,” last accessed May 23, 2024.
3. Clearsurance, “COUNTRY Financial,” last accessed May 23, 2024.
4. Clearsurance, “State Farm Insurance,” last accessed May 23, 2024.
5. ConsumerAffairs, “State Farm Auto Insurance Reviews,” last accessed May 23, 2024.
6. Better Business Bureau, “COUNTRY Financial,” last accessed May 30, 2024.
7. Better Business Bureau, “State Farm Insurance,” last accessed May 30, 2024.