Country Financial vs. GEICO Car Insurance [2021]

In a comparison of Country Financial vs. GEICO car insurance, Country Financial came out on top. GEICO holds the highest-possible rating from A.M. Best. However, in a comparison between Country Financial vs. GEICO car insurance rates, Country Financial offers more affordable rates to its insured. Furthermore, Country Financial offers slightly more discounts than GEICO.

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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 than GEICO
  • GEICO holds the highest-possible rating from A.M. Best
  • Country Financial offers more discounts than GEICO

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. GEICO today.

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

Before we dive into our Country Financial vs. GEICO 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. GEICO: 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 GEICO.

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. GEICO car insurance quotes? As you can see, it was close, but Country Financial is $6 cheaper per month than GEICO.

Now that we know Country offers more affordable rates than GEICO, 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 GEICO.

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 GEICO car insurance discounts are there? GEICO offers slightly fewer at six. These include discounts for anti-lock brakes, daytime running lights, and a considerable discount for anti-theft devices.

To conclude, let’s analyze GEICO vs. Country Financial reviews to see if Country Financial auto insurance can sweep our comparison.

Country Financial vs. GEICO: 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 GEICO fare in comparison? It received the highest rating possible of “A++”.

In review, our Country Financial vs. GEICO comparison has shown us that GEICO is more well-reviewed, but Country offers cheaper rates and more discounts.

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

Frequently Asked Questions: Country Financial vs. GEICO Car Insurance

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

#1 – What is the Country Financial insurance claims number?

The Country Financial Insurance phone number is 866-COUNTRY, or, 866-268-6879.

#2 – Is there GEICO windshield replacement?

If you have comprehensive coverage on your policy, windshield repair service is offered at no charge.

#3 – Is GEICO good insurance?

It is one of the very few companies to hold A.M. Best’s highest rating.

#4 – What is the GEICO address?

The address is One GEICO Plaza, Washington, D.C. 20076.

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