Country Financial Auto Insurance Review (2024)
The average Country Financial customer pays about $149 a month for full coverage and $43 for minimum insurance. Country car insurance is usually affordable, and the company receives few complaints.
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Country Financial
Average monthly rate for good drivers:
$150A.M. Best rating:
A+Complaint level:
LowPros
- Low rates for young drivers
- Excellent customer service ratings
- Offers a few hard-to-find insurance options, like glass deductible modification and portable electronics and media coverage
Cons
- Limited insurance options
- Not available in every state
- The mobile app is not highly rated
Final Verdict: Review of Country Financial
Founded in 1925 selling fire and lightning insurance, Country Financial has since expanded into a variety of other insurance types. Today, Country car insurance is highly-rated and usually affordable.
Unfortunately, Country Financial is only available in some states. If you happen to live in one of the states where Country Financial sells insurance, it might be your cheapest option for car insurance. Country Financial typically offers affordable rates for all demographics but is especially low for young drivers.
However, Country Financial doesn’t have as many coverage options as other companies, but it makes up for it with a long list of unique car insurance discounts. Country Financial also receives fewer complaints than many of its competitors.
Read on for a full Country Financial insurance review and learn more about how it might fit your car insurance needs best. Then, compare quotes to find the best rates possible.
- Country Financial usually has affordable rates, especially for young, inexperienced drivers
- While it’s a highly-rated insurance company, Country Financial is only available in 19 states
- A.M. Best rates Country Financial’s financial strength with an A+, and the company typically receives few customer complaints
What You Should Know About Country Financial
Generally speaking, Country Financial is considered a good insurance company. One of the best ways to decide if a company is right for you is to look at third-party ratings.
For example, Country Financial’s A.M. Best rating is an A+, which means it has the financial strength to pay claims.
Country Financial also receives a solid score from the National Association of Insurance Commissioners (NAIC), which ranks companies on how many complaints they receive. The national average is 1.0 — anything lower means the company receives fewer complaints. Country Financial insurance complaints rate 0.63, meaning it has nearly half the number of complaints as other companies.
Key Info | Company Specifics |
---|---|
Year Founded | 1925 |
Current Executive | CEO - Jim Jacobs |
Number of Employees | 3,868 |
Total Sales / Total Assets | $15,025,000 / $36,329,000 |
HQ Address | 1701 N. Towanda Ave. Bloomington, IL 61701-2057 |
Phone Number | 1-866-268-6879 |
Company Website | www.countryfinancial.com |
Premiums Written -Individual Life | $2,506,391 |
Financial Standing | $2,100,000 |
Best For | Term & Whole Life Insurance |
Finally, J.D. Power collects data on customer satisfaction and gives companies a score of 1000. The national average for companies is 839 — Country Financial scored 850.
Is Country Financial car insurance expensive?
Country Financial’s rates tend to be less expensive than other companies, with the average full coverage policy costing $149 a month and minimum insurance $43 per month.
Of course, the rates you see will depend on a variety of factors unique to you. Country Financial does fairly well with most demographics, but rates are especially low for car insurance for drivers under 25.
How do you make Country Financial payments?
Like many other insurance companies, there are several ways to pay for Country Financial policies. You can make payments on the mobile app or through the website. You can also call the customer service phone number or speak with a local agent.
How do you make Country Financial claims?
Like making payments, filing a car insurance claim with Country Financial is easy. Most customers prefer to use the website or mobile app, but you can also call the Country preferred insurance claims phone number. Whichever option you choose, you should take pictures of any damage done to your car. It would also help to start your claim as soon as possible.
Country Financial Insurance Coverage Options
There are two main types of insurance needs — minimum and full coverage. Minimum insurance refers to the least amount of coverage you can buy and still be legally able to drive or register a car. Full coverage offers better protection for your vehicle but costs much more. Full coverage is never required by law, but you might need it if you have a car loan or lease.
Country Financial sells everything you need to meet these needs, including the following insurance types.
Coverage | Description |
---|---|
Collision Coverage | Pays for damage to your car resulting from a collision with another vehicle or object. |
Comprehensive Coverage | Covers damage to your car caused by events other than collisions, such as theft, fire, or vandalism. |
Emergency Roadside Assistance | Offers help for roadside issues like flat tires, dead batteries, or towing needs. |
Liability Coverage | Protects you if you're responsible for causing injury to others or damage to their property. |
Medical Payments (MedPay) | Covers medical expenses for you and your passengers in the event of an accident. |
Personal Effects Coverage | Provides reimbursement for personal items in your car that are damaged or stolen. |
Personal Injury Protection (PIP) | Pays for medical expenses, lost wages, and other expenses for you and your passengers, regardless of who's at fault. |
Safety Glass Coverage | Covers the cost of repairing or replacing damaged safety glass, such as windshields. |
The Keeper® - New Car Coverage | Provides replacement of a totaled new car with a brand-new model, not just the depreciated value. |
Umbrella Insurance | Offers additional liability coverage beyond what your auto policy covers, for extra protection. |
Uninsured and Underinsured Motorist Coverage (UI/UIM) | Protects you if you're in an accident with someone who doesn't have sufficient insurance. |
Vehicle Rental and Trip Interruption | Covers the cost of a rental car and possibly trip interruption expenses during repairs. |
These are the basic coverage options you can find at most insurance companies. If you’re interested in more options to customize your coverage, Country Financial has a few choices. However, you might need to look elsewhere if an extensive list of add-ons is important to you.
What add-ons does Country Financial sell?
Country auto insurance has a few customization options, but you’ll find more choices at other companies. However, there are still a few valuable choices to pick from.
- The Keeper. Country Financial will pay for a brand-new car of the same make and model rather than reimburse you for your vehicle’s current value. Only cars four years old or younger are eligible for this coverage.
- Roadside assistance. Country Financial roadside assistance will come to the rescue when you’re stranded on the side of the road or locked yourself out. This add-on covers up to $100 for fuel delivery, towing, basic repairs, and locksmith services.
- Trip interruption. If you get into an accident more than 100 miles from home, Country Financial will reimburse you up to $800 for a rental car, lodging, and meals.
- Personal effects. Country Financial covers up to $800 of personal items if they are stolen or damaged in a claim.
- Safety glass. This add-on allows you to skip your comprehensive deductible if your windshield, windows, or headlight covers need to be repaired.
Availability of these add-ons varies by state, so check with a representative before you sign up for them. Additionally, you should only buy what you need — add-ons can significantly increase your rates.
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Country Financial Insurance Rates Breakdown
Country insurance quotes are often some of the cheapest on the market, with only a few companies offering lower average rates. In particular, young drivers can find affordable coverage with Country Financial.
Insurance companies look at a variety of factors when determining how much to charge for coverage. Factors that affect car insurance rates vary by company but typically include your age, gender, location, driving record, credit score, and the make and model of your car.
While insurance companies look at the same factors, they emphasize each one differently. Check below to see how Country Financial compares to other companies for various demographics.
Insurance Company | Female (16) | Male (16) | Female (20) | Male (20) | Female (30) | Male (30) | Female (40) | Male (40) | Female (50) | Male (50) |
---|---|---|---|---|---|---|---|---|---|---|
Allstate | $608 | $638 | $410 | $430 | $190 | $195 | $180 | $185 | $170 | $175 |
American Family | $414 | $509 | $280 | $290 | $160 | $165 | $150 | $155 | $140 | $145 |
Country Financial | $350 | $360 | $240 | $250 | $130 | $135 | $120 | $125 | $110 | $115 |
Farmers | $810 | $773 | $450 | $470 | $230 | $235 | $220 | $225 | $210 | $215 |
Geico | $298 | $312 | $220 | $230 | $120 | $125 | $110 | $115 | $100 | $105 |
Liberty Mutual | $723 | $785 | $440 | $460 | $220 | $225 | $210 | $215 | $200 | $205 |
Nationwide | $411 | $476 | $300 | $310 | $150 | $155 | $140 | $145 | $130 | $135 |
Progressive | $801 | $814 | $420 | $440 | $210 | $215 | $200 | $205 | $190 | $195 |
State Farm | $311 | $349 | $230 | $240 | $140 | $145 | $130 | $135 | $120 | $125 |
Travelers | $719 | $910 | $430 | $450 | $210 | $215 | $200 | $205 | $190 | $195 |
Insurance Company | Female (16) | Male (16) | Female (20) | Male (20) | Female (30) | Male (30) | Female (40) | Male (40) | Female (50) | Male (50) |
---|---|---|---|---|---|---|---|---|---|---|
Allstate | $244 | $255 | $164 | $172 | $76 | $78 | $72 | $74 | $68 | $70 |
American Family | $166 | $204 | $112 | $116 | $64 | $66 | $60 | $62 | $56 | $58 |
Country Financial | $140 | $144 | $96 | $100 | $52 | $54 | $48 | $50 | $44 | $46 |
Farmers | $324 | $309 | $180 | $188 | $92 | $94 | $88 | $90 | $84 | $86 |
Geico | $119 | $125 | $88 | $92 | $48 | $50 | $44 | $46 | $40 | $42 |
Liberty Mutual | $289 | $314 | $176 | $184 | $88 | $90 | $84 | $86 | $80 | $82 |
Nationwide | $164 | $190 | $120 | $124 | $60 | $62 | $56 | $58 | $52 | $54 |
Progressive | $320 | $326 | $168 | $176 | $84 | $86 | $80 | $82 | $76 | $78 |
State Farm | $124 | $140 | $92 | $96 | $56 | $58 | $52 | $54 | $48 | $50 |
Travelers | $288 | $364 | $172 | $180 | $84 | $86 | $80 | $82 | $76 | $78 |
As you can see, Country Financial often offers the lowest rates, regardless of your situation. However, it’s still important to compare quotes with as many companies as possible since there’s no way of knowing who has the lowest rates for you without a personalized price.
Country Financial Discounts Available
Country Financial doesn’t offer the longest list of insurance options, but it does much better with its discounts. Companies offer discounts to their customers to help them save money, and it’s important to find a company with several options for you to take advantage of. Country Financial offers the following discounts:
Discount | Percentage | Description |
---|---|---|
Anti-Theft | 10% | Vehicles with theft-prevention devices qualify for this discount. |
Defensive Driver | 5% | Awarded to drivers who complete an approved defensive driving course. |
Driver's Ed | 10% | Given for completing a driver's education course. |
Early Signing | 10% | Available when signing a new policy before the current one expires. |
Engaged Couple | 10% | Offered to couples soon to be married. |
Family Plan | 25% | Applies to families insuring multiple members together. |
Good Student | 25% | For students maintaining good grades. |
Homeowner | 12% | Homeowners receive this discount on their insurance. |
Multiple Policies | 25% | Applies when holding multiple insurance policies with the same insurer. |
Multiple Vehicles | 15% | For insuring more than one vehicle through the same company. |
Newer Vehicle | 10% | Applies to newer model vehicles. |
Occupation | 10% | Certain professions are eligible for this discount. |
Young Driver | 10% | Tailored for young drivers meeting specific qualifications. |
While some of Country Financial’s discounts are relatively common, it offers a few that are hard to find elsewhere.
How Country Financial Ranks Among Providers
Compared to other major companies, Country Financial usually offers lower rates. Country Financial’s full coverage rates are 29% cheaper than the average, while its minimum coverage rates can be up to 33% cheaper.
Check below to see how Country Financial compares to some of its largest competitors.
Insurance Company | Monthly Rates |
---|---|
Allstate | $160 |
American Family | $117 |
Country Financial | $70 |
Farmers | $139 |
Geico | $80 |
Liberty Mutual | $174 |
Nationwide | $115 |
Progressive | $105 |
State Farm | $86 |
Travelers | $99 |
USAA | $59 |
U.S. Average | $119 |
As you can see, only State Farm auto insurance has lower average rates than Country Financial. However, these are only averages — you might see different rates when your unique situation is accounted for.
Frequently Asked Questions
Is Country Financial a good insurance company?
Country Financial is generally considered a good insurance company. Country Financial complaints are lower than other major companies, and it offers a long list of unique discounts. Auto insurance rates also tend to be lower with Country Financial.
Who owns Country Financial?
Country Financial is a subsidiary of the Illinois Agricultural Association, which is a bank in Illinois.
Is Country Mutual the same as Country Financial?
Country Mutual and Country Financial are the same company, with the mutual operating under Country Financial. Regardless of which you buy from, Country companies’ insurance ratings are excellent.
Which states does Country Financial sell insurance in?
Country Financial operates in Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin.
What is Country Financial Auto Insurance?
Country Financial Auto Insurance is a type of insurance policy offered by Country Financial, a well-established insurance company. It provides coverage for automobiles and protects policyholders against financial losses in the event of accidents, theft, or damage to their vehicles.
What types of coverage does Country Financial Auto Insurance offer?
Country Financial offers various coverage options for auto insurance, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and rental car reimbursement. These coverages can be customized to meet individual needs and budget.
How can I get a quote for Country Financial Auto Insurance?
To get a quote for Country Financial Auto Insurance, you can visit their official website or contact their customer service directly. They will ask you a series of questions about your vehicle, driving history, and other relevant information to provide you with an accurate quote.
How does Country Financial determine auto insurance premiums?
Country Financial considers several factors when determining auto insurance premiums. These factors may include your driving record, the make and model of your vehicle, your age and gender, your location, the purpose of your vehicle, and the desired coverage options. By assessing these variables, they calculate the level of risk associated with insuring you and establish the premium accordingly.
What is Country Financial’s claims process for auto insurance?
In the event of an accident or damage to your vehicle, you can initiate a claim with Country Financial by contacting their claims department. They will guide you through the process and provide the necessary forms to report the incident. It’s important to provide all relevant information, including any supporting documentation or evidence, to ensure a smooth claims process.
How are customer reviews for Country Financial Auto Insurance?
Customer reviews for Country Financial Auto Insurance can vary. It is advisable to research and read reviews from multiple sources, including independent review websites and consumer feedback platforms. This will give you a more comprehensive understanding of other customers’ experiences with the company and their auto insurance services.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Mjaw87
Great company
Dogs2015
Great company
mamdata
Country Financial Is There When You Need Them.
Shelbyray26
Do not go with Country!!
Jenczap
Check out Country Financial
Tammi1982
Country Financial is awesome
Burtondr
My Country Financial Review
Stotta
Great Insurance
NinaDon1010
DONT GO WITH COUNTRY
Kellyc92
Terrible do not use