Country Financial Auto Insurance Review 2022

Country Financial sells auto insurance in 19 states. While the company is smaller, it offers unique discounts, low rates, and a variety of insurance products to bundle.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 15, 2022

Advertiser Disclosure

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: Sep 15, 2022

Advertiser Disclosure

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.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 15, 2022Fact Checked
Quick Read

The Bottom Line

Country Financial offers solid insurance options and plenty of ways to save, all for an affordable price. While you can only buy Country Financial insurance in 19 states, it could be the best option for your coverage needs.

If Country Financial sounds like the right insurance company for your needs, you should compare a personalized quote with other companies. While Country Financial’s rates tend to be low, you might find a better quote with another company.

Things to Remember

  • Country Financial sells car insurance in 19 states
  • Although its coverage options are relatively basic, Country Financial offers unique discounts and low rates
  • Country Financial has an A+ from the Better Business Bureau and A.M. Best, and its car insurance reviews tend to be positive

Sometimes called Country Mutual or Country Companies, Country Financial started in 1925, selling lightning and fire insurance to Illinois farmers. Today, Country Financial provides coverage to over a million Americans in 19 states.

Country Financial sells a variety of insurance products, including auto, home, and life insurance. If you’re looking for the cheapest full coverage or minimum insurance, Country Financial might have the lowest rates for you.

While Country Financial isn’t the largest company, it gets fewer complaints than similar companies, and rates tend to be low. This company is a solid option for people that need relatively basic coverage.

Read on to explore what Country Financial can do for your car insurance needs. Then, compare rates with as many companies as possible to find the best rates.

Is Country Financial a Good Choice?

Does Country Financial have good car insurance?

Country Financial is a good option for drivers who need basic car insurance. Country Financial doesn’t sell specialty add-ons like custom equipment or rideshare coverage, but it does cover the basics.

Why is Country car insurance so highly rated? Although there are many reasons, one is that Country Financial receives high rankings from third-party rating companies.

For example, Country Financial came third in J.D. Power’s Auto Insurance Study for the North Central region. The Auto Insurance Study ranks companies by overall customer satisfaction, which means Country Financial does well.

A.M. Best rates companies on their financial stability. Country Financial’s A.M. Best rating is an A+, which means it will have no problem paying any claims you might have to make.

Finally, the Better Business Bureau (BBB) rates companies on their ability to resolve customer complaints. Country Financial gets an A+ from the BBB, and there are a small number of complaints listed on the BBB site.

Country Financial Insurance Reviews

While many of its competitors receive large numbers of complaints, Country Financial’s customers tend to be satisfied with its service.

The National Association of Insurance Commissioners (NAIC) rates companies on the number of complaints they receive compared to their size. Country Financial does exceptionally well, with far fewer complaints than expected.

As for Country Mutual insurance reviews from customers, people tend to love their auto coverage. Most customers say they are satisfied with the claims process and that Country Financial resolved issues quickly.

Another common thread in positive reviews is that Country Financial representatives are usually friendly and professional. Most customers also love Country Financial’s low rates.

There are some negative reviews for Country Financial, but most are for its homeowners insurance.

Country Financial Rates

How much does Country Financial car insurance cost?

The amount you pay for car insurance depends on a variety of factors, including your:

  • Age
  • Gender
  • Marital status
  • Location
  • Car
  • Credit score
  • Amount of coverage

Although your quote will be unique, you can get an idea of how much Country Financial auto insurance is by looking at average prices. Take at the map below to see average annual full coverage auto insurance rates for each state.

Country Financial offers competitive rates even though it’s a smaller company. However, Country Financial is a bit more expensive when looking at Country Financial vs. State Farm.

The chart below shows the average annual rates for a few top U.S. insurance companies for full vs. minimum coverage.

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On average, Country Financial policyholders pay slightly more for full coverage than the national average.

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Country Financial Discounts Available

Does Country Financial offer car insurance discounts?

Country Financial’s rates are about average compared with the national average, but you might be able to lower your rates by taking advantage of auto insurance discounts. While it might not have as many options as larger competitors, Country Financial offers plenty of ways to save:

You’ll need to check with a Country Financial representative to see which discounts you’re eligible for, as they are not all available in every state.

If your rates are still high after finding discounts, you might be able to save more with Country Financial’s DriverIQ mobile app.

What is the DriverIQ mobile app?

Many of the largest insurance companies in America have usage-based insurance programs to reward drivers for safe habits. For example, Country Financial’s is the DriverIQ mobile app.

The DriverIQ app monitors your driving behavior and tracks things like speeding, hard acceleration, hard braking, and phone usage. The DriverIQ app scores your driving, and you might earn a discount on your insurance if your score is high enough.

Drivers who enroll in DriverIQ automatically save 10% on their insurance, and you can save up to 25% at your policy’s next renewal, depending on your score. Unlike some usage-based programs, Country Financial won’t raise your rates or cancel your policy if your score is low.

Country Financial Coverage Options

What types of car insurance does Country Financial sell?

All states that Country Financial operates in require drivers to carry a minimum amount of car insurance. While not required by any state, you’ll probably need full coverage if you have a loan or lease on your car. Country Financial can cover your basic needs with the following options:

  • Liability. Liability insurance includes property damage and bodily injury and helps pay for damage you cause in an accident. Liability insurance does not cover your car.
  • Comprehensive. By buying comprehensive insurance, you can protect your car from damage caused by vandalism, theft, fire, animal contact, and weather.
  • Collision. You need collision insurance if you want help paying for car repairs after an at-fault accident.
  • Uninsured/underinsured motorist. Although most states require drivers to have insurance, not everyone does. Uninsured motorist coverage pays for car repairs and injuries if a driver hits you without insurance or if you’re the victim of a hit-and-run.
  • Medical payments/personal injury protection. Both insurances cover medical expenses for you and your passengers after an accident, but personal injury protection offers better coverage.

While it doesn’t offer as many options as some of its competitors, Country Financial has a few additional coverages that can increase your policy’s value.

  • Safety glass. You can skip your comprehensive deductible when you need glass repairs if you add safety glass to your policy.
  • Roadside assistance. Roadside assistance can help with flat tires, fuel delivery, dead batteries, and other emergency services.
  • Vehicle rental and trip interruption. Country Financial will cover up to $800 for a rental car if you can’t drive your vehicle after an accident. You’ll also get reimbursed for meals and hotels if you’re more than 100 miles from home when an accident happens.
  • Personal effects. Country Financial will cover up to $800 if your personal belongings are damaged or stolen in a covered event.
  • New car replacement. The Keeper coverage add-on will replace your car with a brand new one as long as it’s less than four model years old.

Country Financial’s optional coverages list might not be as long as some drivers would like, but you can get the insurance you need to keep your car safe on the road.

Does Country Financial sell other types of insurance?

You know you can earn a bundling discount by buying additional coverages from Country Financial, but what kinds of insurance does Country Financial sell?

Country Financial offers an impressive array of coverage options:

  • Homeowners/renters/condo/mobile home
  • Recreational vehicle
  • Motorcycle
  • Crop, ranch, and farm
  • Business
  • Life
  • Boat
  • Landlord

Additionally, you can buy pet insurance through Country Financial’s partner, Crum & Forster Pet Insurance Group.

Frequently Asked Questions

How can you get a car insurance quote from Country Financial?

The easiest way to get a Country Financial car insurance quote is online or over the phone. You can also search “Country Financial or Country Companies insurance near me” to find a local office if you prefer to buy insurance in person.

How do you report a claim to Country Financial?

You have several options to start a Country Financial claim. First, you can use the Country Financial app to create a claim. You can also fill out the claim reporting form online. Finally, you can call the Country preferred insurance claims phone number to speak with a representative.

What types of insurance can you bundle with Country Financial to receive a discount?

Although Country Financial provides a variety of insurance products, you’ll only qualify for a bundling discount if you add home, life, or disability income insurance. You can also qualify for a bundling discount if you have a Country Financial bank account or annuity.

What states does Country Financial sell car insurance in?

Country Financial sells car insurance in the following states: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin.

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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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