Allstate vs. Country Financial Car Insurance [2021]

Allstate vs. Country Financial car insurance is like comparing national-brand apples to regional-brand apples. However, Allstate and Country Financial have an "A+" from A.M. Best. Country Financial car insurance is $110 cheaper than Allstate, but Allstate provides more car insurance options. Compare Allstate vs. Country Financial car insurance to secure the best rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 11, 2021

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Here's what you need to know...

  • Country Financial car insurance is $110 cheaper than Allstate car insurance
  • Allstate insurance has more car insurance coverage options than Country Financial insurance
  • Allstate and Country Financial have the same A.M. Best rating, but Allstate has a better J.D. Power score

Have you had a hard time comparing Allstate vs. Country Financial car insurance rates? Allstate and Country Financial car insurance has good ratings, but Allstate car insurance rates are more transparent.

Comparing Allstate vs. Country Financial car insurance quotes is challenging because Country Financial has private car insurance pricing. But don’t worry – we’re here to help.

This review explains everything you need to know about Allstate vs. Country Financial auto insurance discounts, rates, coverage options, and third-party ratings.

Continue reading to learn more about Allstate vs. Country Financial car insurance. Enter your ZIP code in the free comparison tool above to compare multiple companies in your local area.

Allstate vs. Country Financial Car Insurance: Which company has cheaper car insurance rates?

Allstate auto insurance can be as low as $161 per month, but Country Financial auto insurance can reach $51 per month. That’s a difference of $110, making Country Financial car insurance much cheaper.

However, your rates will vary by state. Many factors go into whether affordable Allstate vs. Country Financial car insurance is available to you. The most impactful factors are:

  • Age
  • Gender
  • Driving Record
  • Location
  • Credit History
  • Vehicle

Allstate car insurance is more transparent with providing sample rates, but Country Financial car insurance is more private.

Although Country Financial has an online presence, it doesn’t have the online quoting capabilities like Allstate.

If you want a closer look at Allstate and Country Financial reviews, check out our Allstate car insurance review and Country Financial car insurance review.

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Does Allstate have more car insurance deals than Country Financial?

Allstate and Country Financial auto insurance could produce higher than average rates, but you can receive discounts to lower your monthly payments.

Allstate vs. Country Financial Car Insurance Discounts
DiscountsAllstate Discount SavingsCountry Financial Discount Savings
Anti-lock Brakes10%
Anti-Theft10%10%
Claim Free35%
Daytime Running Lights2%
Defensive Driver10%5%
Distant Student35%
Driver's Ed10%10%
Driving Device/App20%
Early Signing10%10%
Electronic Stability Control2%
Engaged Couple10%
Family Plan25%
Farm Vehicle10%
Full Payment10%
Good Student20%25%
Green Vehicle10%
Homeowner12%
Multiple Policies10%25%
Multiple Vehicles15%
Newer Vehicle30%10%
Occupation10%
On-Time Payments5%
Paperless Documents10%
Paperless/Auto Billing5%
Passive Restraint30%
Safe Driver45%
Senior Driver10%
Utility Vehicle15%
Vehicle Recovery10%
Young Driver10%
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Country Financial may be cheaper, but Allstate provides more savings for potential customers. If you qualify for more than one discount, you can stack your savings and save hundreds per year.

Even your payment method can save you money. For example, paperless payment options have low savings, but they can make a difference when you stack them with other discounts.

You can even pay online. However, you have to create a Country Financial login or Allstate login to make payments online.

Allstate vs. Country Financial Insurance Products

Comparing Allstate vs. Country Financial auto insurance can lead you to more affordable auto insurance rates, but you can also save money when you bundle other insurance products.

Let’s compare to see which company has more opportunities to bundle.

Comparing Allstate and Country Financial Insurance Products
Other Allstate Insurance ProductsOther Country Financial Insurance Products
Homeowners InsuranceRenters Insurance
Renters InsuranceMotorcycle Insurance
Life InsuranceHomeowners Insurance
Motorcycle InsuranceLife Insurance
RV InsuranceBoat Insurance
Boat InsuranceCondo Insurance
Pet InsuranceLandlord Insurance
Rideshare InsuranceRecreational Vehicle Insurance
Business InsuranceCrop, Farm and Ranch Insurance
Business Insurance
Mobile Home Insurance
Health and Medicare Supplement Insurance
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Although Country Financial isn’t as big as Allstate, it has more insurance products that you can bundle. However, you’ll need to compare prices at both companies to see which company has a better bargain.

Comparing Allstate and Country Financial Car Insurance Coverage Options

Your overall Allstate and Country Financial car insurance rates are also determined by the number of coverage options you have. If you have a much larger budget, you can add a few more options, but at a higher price.

But which car insurance company has more coverage flexibility. Let’s review.

Allstate vs. Country Financial Car Insurance Coverage Options
Allstate Coverage OptionsCountry Financial Coverage Options
Towing and Labor CoverageEmergency Roadside Assistance
Sound System CoveragePersonal Effects Coverage
Rental Car ReimbursementMedical Payments (MedPay)
Property ProtectionSafety Glass Coverage
Personal Umbrella CoverageVehicle Rental and Trip Interruption
Personal Injury Protection (PIP)Personal Injury Protection (PIP)
Medical Payments (MedPay)The Keeper® - New Car Coverage
Loss of Use CoverageUmbrella Insurance
Liability CoverageLiability Coverage
Comprehensive CoverageComprehensive and Collision Coverage
Collision CoverageUninsured and Underinsured Motorist Coverage
Drivewise
Rideshare Insurance
Deductible Awards
Classic Car Insurance
Accident Forgiveness
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Allstate has more coverage options than Country Financial. But Allstate is known for its top market share in the auto insurance industry. More options mean more ways you can get coverage.

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Allstate and Country Financial Ratings and Customer Satisfaction Scores

Financial strength ratings and customer satisfaction can show an insurance company’s overall performance.

According to A.M. Best, Allstate and Country Financial have an “A+.” This means both companies are financially stable.

In J.D. Power’s 2020 auto claims study, Allstate performs better than the industry average, but Country Financial scores below the average.

  • Allstate – 876 (Above Average)
  • Country Financial – 863 (Below Average)

This means customers were satisfied with Allstate claims at a much higher rate than Country Financial claims.

Do Allstate and Country Financial have mobile apps?

The short answer is yes. Allstate has several mobile apps. The main Country Financial app and Allstate app allow you to manage your account from your smart device.

Allstate has another app called Drivewise, which gives you discounts for driving safer. Drivewise is free. You don’t need to be an Allstate customer to use Drivewise.

Allstate vs. Country Financial Car Insurance: What’s the bottom line?

Country Financial may be cheaper, but it has fewer coverage options or discounts than Allstate. Allstate doesn’t have the same insurance product flexibility that Country Financial has, though.

Ultimately, the best car insurance company for you is the one that meets your car insurance needs.

Hopefully, we have helped you decide whether to buy Allstate vs. Country Financial car insurance. Use our free online quote tool to compare multiple companies in your local area.

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Average Monthly Car Insurance Rates by State