Country Financial Auto Insurance Review (2023)

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.

UPDATED: Dec 13, 2022Fact Checked

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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...

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

UPDATED: Dec 13, 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: Dec 13, 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.

UPDATED: Dec 13, 2022Fact Checked

The Bottom Line

See if Country Financial is Right for You

Although it’s only available in 19 states, Country Financial is an excellent option for most drivers. It doesn’t have the longest list of coverage options, but there are plenty of Country Financial discounts to take advantage of.

While Country Financial might be the right choice for you, you should still look at other options. Comparing quotes with as many companies as possible is the best way to find the cheapest policy.

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.

Is Country Financial a Good Choice?

Does Country Financial have good car insurance?

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.

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 Rates

How much does Country Financial car insurance cost?

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.

Average Annual Auto Insurance Rates by Demographics
CompaniesSingle 25-year-old femaleMarried 35-year-old femaleMarried 60-year-old femaleFemale AverageSingle 25-year-old maleMarried 35-year-old maleMarried 60-year-old maleMale Average
USAA$1,988.52 $1,551.43 $1,449.85 $1,663.27 $2,126.14 $1,540.32 $1,448.98 $1,705.15
American Family$2,288.65 $2,202.70 $1,992.92 $2,161.43 $2,694.72 $2,224.31 $2,014.38 $2,311.14
Travelers$2,325.25 $2,178.66 $2,051.98 $2,185.30 $2,491.21 $2,199.51 $2,074.41 $2,255.04
State Farm$2,335.96 $2,081.72 $1,873.89 $2,097.19 $2,554.56 $2,081.72 $1,873.89 $2,170.06
Geico$2,378.89 $2,302.89 $2,247.06 $2,309.61 $2,262.87 $2,312.38 $2,283.45 $2,286.23
Nationwide$2,686.48 $2,360.49 $2,130.26 $2,392.41 $2,889.04 $2,387.43 $2,214.62 $2,497.03
Progressive$2,697.73 $2,296.90 $1,991.49 $2,328.71 $2,758.66 $2,175.27 $2,048.63 $2,327.52
Farmers$2,946.80 $2,556.98 $2,336.80 $2,613.53 $3,041.44 $2,557.75 $2,448.39 $2,682.53
Allstate$3,424.87 $3,156.09 $2,913.37 $3,164.78 $3,570.93 $3,123.01 $2,990.64 $3,228.19
Liberty Mutual$3,959.67 $3,802.77 $3,445.00 $3,735.81 $4,503.13 $3,856.84 $3,680.53 $4,013.50
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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.

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Country Financial Discounts Available

Does Country Financial offer discounts?

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:

  • Advanced quote. Earn this discount by getting a quote with  Country Financial policy before your current plan expires.
  • Anti-theft devices. If you install devices like audible alarms or GPS tracking, Country Financial will discount your insurance.
  • Engaged couples. You’ll earn a small discount for being engaged if you’re 21 or over.
  • Legacy. If you’re unmarried and a parent or guardian has multi-car or multi-policy plans with Country Financial, you’ll receive a discount for your own policy.
  • Students. Country Financial offers two student discounts — one discount for good students if you maintain a 3.0 GPA and another for college graduates.
  • Bundling. Country Financial sells more than car insurance. You’ll earn a discount if you bundle insurance policies from Country Financial.
  • Multi-car. If your household has more than one vehicle, you’ll earn a discount if you insure them on the same policy.
  • Safe driver. You can earn this discount by remaining accident and ticket-free for three or more years.
  • Defensive driver. Drivers of all ages can earn a defensive driver discount by completing an approved defensive driving class.
  • New drivers. Drivers who are 16 or 17 years old and complete a Country Financial driving course will earn a discount on their policy.
  • Occupational. Country Financial offers special savings for full-time police officers, firefighters, emergency medical technicians, teachers, and paramedics.

While some of Country Financial’s discounts are relatively common, it offers a few that are hard to find elsewhere.

Country Financial Coverage Options

What types of car insurance does Country Financial sell?

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.

  • Bodily injury liability. Bodily injury liability insurance pays for injuries you cause to other drivers, passengers, and pedestrians.
  • Property damage liability. As its name suggests, this insurance pays for damage you cause to property you don’t own. It does not cover your car, and most states require a minimum amount.
  • Collision. You need collision insurance if you want your policy to cover damage to your car after an accident, no matter who was at fault. It also covers you if you hit a stationary object.
  • Comprehensive. When an unexpected event damages your car, you need comprehensive insurance to cover repairs. Comprehensive auto insurance covers damage from weather, fire, floods, hitting an animal, theft, and vandalism.
  • Uninsured/underinsured motorist. While every state Country Financial operates in requires insurance, not all drivers follow the law. Uninsured motorist coverage protects you when someone without enough insurance hits you. Some states require this coverage.
  • Personal injury protection/medical payments. Healthcare costs get expensive quickly after an accident, but medical payments or personal injury protection (PIP) coverage will pay bills for you and your passengers. Some states require this coverage.

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.

Country Financial vs. Competitors

Country Financial vs. The Competition

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.

Average Annual Auto Insurance Rates by Company
Auto Insurance CompaniesAverage Annual Auto Insurance Rates
Allstate$2,722.99
Geico$1,560.91
Liberty Mutual$4,331.75
Nationwide$2,487.58
Progressive$3,167.91
Safeco$8,476.85
State Farm$2,192.80
Travelers$2,253.96
USAA$1,690.19
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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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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

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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