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COUNTRY Financial vs Elephant: which is better for car insurance in 2026?

Q: Is COUNTRY Financial or Elephant cheaper?

We cannot answer that with published data. Elephant does not release public rate information, so no independent study — ours included — can put a national average next to COUNTRY Financial's $2,976/yr. The only way to know is to quote both.

Q: Which handles claims better, COUNTRY Financial or Elephant?

Neither has a clear edge. COUNTRY Financial scores Not rated and Elephant Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is COUNTRY Financial better than Elephant overall?

We can't put two scores side by side here. Elephant does not publish enough of the underlying data for us to give it an overall score — we would rather say so than compute one from the two or three figures that do exist. COUNTRY Financial scores 3.2 out of 5. Compare them on the individual categories above, and on the quotes you actually get.

Q: Can I switch from COUNTRY Financial to Elephant mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

COUNTRY Financial

ElephantNot scored

Across our six scoring categories, COUNTRY Financial comes out ahead in 1, Elephant in 0, with 5 too close to call. There is no overall score to compare, though: Elephant does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. COUNTRY Financial is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.

COUNTRY Financial vs Elephant, side by side

Category

COUNTRY FinancialRead the full review

ElephantRead the full review

Overall scoreWeighted across the six categories below

Not scored

PriceAverage annual full-coverage premium · 25% of score

2.0$2,976/yr

Average full coverage vs. $2,356 national average

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

5.0Far fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Better

2.5More than expected

Complaints relative to company size, NAIC data 2022–2024

Financial strengthAM Best Financial Strength Rating · 10% of score

Not published

No AM Best rating we could verify — see the review

Not published

No AM Best rating we could verify — see the review

DiscountsBreadth of published discounts · 15% of score

4.010 published

Discounts on the carrier's own pages · Telematics: DriverIQ

Not published

No discount list we could read on the carrier's own site

Digital experienceApp ratings and self-service depth · 15% of score

2.53.46 iOS / 2.9 Android

App Store (99 ratings) and Google Play (275 ratings), August 2026

Not published

No app-store presence we could verify

Availability

19 states, and not only the Midwest — Alaska, Arizona, Nevada, Oregon and Washington are all in it

8 states

Best suited to

drivers who want a local agent and rarely open an app

drivers in its eight states comparing it against other budget options

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

COUNTRY Financial vs Elephant across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

COUNTRY FinancialElephant

Category by category

Price

Too close to call

Elephant does not release public rate data, so there is no like-for-like premium to set against COUNTRY Financial's $2,976/yr. That is a real gap in the comparison, not a rounding error — treat Elephant's price as unknown until you have a quote in hand.

COUNTRY Financial

$2,976 a year for full coverage, 26% above the national average. COUNTRY is not competing on price.

Elephant

Elephant is not included in the rate study behind every other premium in this review.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: COUNTRY Financial posts Not rated and Elephant Not rated, a difference too small to choose on.

COUNTRY Financial

Not in the J.D. Power claims study, which samples only the largest insurers.

Elephant

Not in the J.D. Power claims study, which samples only the largest insurers.

Complaint record

COUNTRY Financial ahead

COUNTRY Financial takes complaint record on Far fewer than expected against Elephant's More than expected.

COUNTRY Financial

Far fewer complaints than expected for its size — the strongest band we assign, and COUNTRY's single best measure.

Elephant

More complaints than expected for its size — better than the other app-first insurers here, but still below par.

Financial strength

Too close to call

Neither pulls ahead on financial strength: COUNTRY Financial posts Not published and Elephant Not published, a difference too small to choose on.

COUNTRY Financial

An A+ rating circulates widely, but COUNTRY's own newsroom is blocked to automated access and AM Best's site is too, so we could not read it from a primary page. We would rather show nothing than a rating we did not verify.

Elephant

No AM Best rating we could verify, and no alternative rating found.

Discounts

Too close to call

Neither pulls ahead on discounts: COUNTRY Financial posts 10 published and Elephant Not published, a difference too small to choose on.

COUNTRY Financial

Around ten discounts, including an unusual engaged-or-newly-married discount for drivers aged 21 to 29, plus the DriverIQ telematics program.

Elephant

No discount list we could read on Elephant's own site.

Digital experience

Too close to call

Neither pulls ahead on digital experience: COUNTRY Financial posts 3.46 iOS / 2.9 Android and Elephant Not published, a difference too small to choose on.

COUNTRY Financial

3.46 on the App Store and 2.92 on Google Play — poor on both. Curiously, the separate DriverIQ telematics app rates 4.55, so the weakness is in policy servicing rather than engineering.

Elephant

No app-store figures we could verify from a primary source.

So which one?

Pick COUNTRY Financial if…

You are among drivers who want a local agent and rarely open an app.
You want the lower complaint record — COUNTRY Financial sits at Far fewer than expected.
Availability fits: 19 states, and not only the Midwest — Alaska, Arizona, Nevada, Oregon and Washington are all in it.

Read the full COUNTRY Financial review →

Pick Elephant if…

You are among drivers in its eight states comparing it against other budget options.
Availability fits: 8 states.

Read the full Elephant review →

COUNTRY Financial vs Elephant, answered

The questions people ask before switching between these two.

Is COUNTRY Financial or Elephant cheaper?

Which handles claims better, COUNTRY Financial or Elephant?

Is COUNTRY Financial better than Elephant overall?

Can I switch from COUNTRY Financial to Elephant mid-policy?

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