Country Financial vs. Farmers Car Insurance [2021]

In a comparison of Country Financial vs. Farmers, Country Financial came out on top. Farmers offers more discounts to its insured than Country Financial. However, in a comparison of Country Financial vs. Farmers car insurance rates, you'll see far more affordable rates from Country Financial. Furthermore, Country Financial holds a higher rating from A.M. Best.

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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: Jul 12, 2021

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Here's What You Need to Know

  • Country Financial offers more affordable rates
  • Farmers offers more discounts
  • Country Financial holds a higher rating from A.M. Best

Part of what makes comparing car insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Country Financial vs. Farmers today.

Our Farmers and Country car insurance review will cover pricing, available discounts, and A.M. Best ratings.

Before we dive into our Country Financial vs. Farmers rates comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes in your area.

Country Financial vs. Farmers: Which company offers more affordable car insurance rates?

The simplest place to start when pitting two companies together is pricing. Let’s look at a table that compares monthly liability-only car insurance rates from companies including Country Financial and Farmers.

Average Monthly Liability-Only Auto Insurance Rates by Company
CompanyLiability-Only Rates
Country Financial$34
GEICO$40
Farmers$77
Esurance$135
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How easy is it to find affordable Country Financial vs. Farmers car insurance quotes? As you can see, Country Financial is less than half of what Farmers costs per month.

Now that we know Country Financial offers far more affordable rates than Farmers, let’s see if the companies’ number of offered discounts can re-balance the scale.

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Which company offers more discounts?

Now that we’ve seen what prices you can expect, how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including Country and Farmers.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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Country Financial offers eight of this list’s shown discounts. These include an anti-lock brakes discount as well as discounts for anti-theft devices, daytime running lights, passive restraint, and for owning a newer vehicle.

How many Farmers car insurance discounts are there? Farmers offers even more, with 10 total discounts. These include savings for adaptive headlights, anti-lock brakes, electronic stability control, and owning a green vehicle.

To conclude, let’s analyze Farmers vs. Country Financial insurance reviews to see if Country Financial can solidify its lead.

Country Financial vs. Farmers: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

Country Financial received a rating of “A+” (Superior), which is the highest of seven rating tiers. How did Farmers fare in comparison? It received a lower rating of “A” (Excellent).

In review, our Country Financial vs. Farmers comparison has shown us that Country has lower rates and a better A.M. Best rating.

We hope you have learned all you needed to decide between whether to buy Country Financial vs. Farmers car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

Frequently Asked Questions: Country Financial vs. Farmers Car Insurance

What follows are a few commonly asked questions about these two companies.

#1 – What is Country Financial?

A group of insurance and financial services companies with insured in 19 states.

#2 – What is the Country Financial auto claims phone number?

The Country claims number is 866-COUNTRY, or, 866-268-6879.

#3 – Is there Country Financial roadside assistance?

Yes, and the number for roadside assistance is the same as the claims number.

#4 – Where can I find a Farmers Insurance auto quote?

If they operate in your local area, you may find their quotes via our free and helpful tool.

#5 – How do I contact Farmers Insurance to file a claim?

You can report a claim on the website, through the mobile app, or you can call 1-800-435-7764.

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Average Monthly Car Insurance Rates by State