Country Financial Auto Insurance Review (2024)
Country Financial Auto Insurance has established itself as a reputable provider, offering a range of coverage options and competitive rates for drivers across multiple states.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Country Financial
Average Monthly Rate For Good Drivers
$149A.M. Best Rating:
A+Complaint Level:
LowPros
- Affordability
- Teen and Young Adult Discounts
- Positive Third-Party Ratings
- Simple Claim Filing
- Discount Variety
Cons
- Limited Coverage Options
- Restricted Availability
- Fewer Add-On Options
- No Creative Add-Ons
- Average Discounts
Country Financial got its start in 1925 with lightning and fire insurance. Since then, it has expanded into other types of insurance and is now considered a highly-rated, affordable company for car coverage. While it’s not available countrywide, you might find Country Financial has some of the cheapest rates if you live in one of the states where it offers coverage.
Country Financial’s rates are typically some of the lowest no matter which demographic you look at, but particularly for teen drivers. However, Country Financial doesn’t offer as many types of coverage as its larger competitors.
It offers enough minimum insurance and full coverage auto insurance, but drivers looking for ways to customize their coverage should probably go elsewhere. While it doesn’t provide the longest list of add-ons, Country Financial excels with its discounts to help customers save.
Explore Country Financial auto insurance reviews below to see if it might be the best company for your needs. Then, compare quotes with other companies to find the perfect policy at the right price.
What You Should Know About Country Financial
Although Country Financial is a smaller insurance company, the reviews it receives are generally positive. Country Financial does especially well with third-party rating companies.
For example, A.M. Best rates companies on their financial stability. Higher ratings from A.M. Best mean a company will be able to pay any future claims you need to make. Country Financial has an A+ from A.M. Best, meaning you won’t have to worry about filing a claim.
J.D. Power is another crucial company to consult because it collects data on customer satisfaction, then scores companies out of 1,000. The average score is 839, but Country Financial does a little better with an 850.
Finally, the National Association of Insurance Commissioners (NAIC) rates companies on the number of complaints they receive compared to other companies of their size. The national average is 1.0, with higher scores meaning a company gets more complaints. Country Financial does very well with the NAIC, earning a score of 0.32.
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Country Financial Insurance Coverage Options
Most companies sell enough coverage to meet the two main needs of car insurance shoppers – minimum and full coverage. Minimum insurance refers to the least amount of coverage you can buy in your state and still be legal to drive. Full coverage costs more, but it gives your car better protection if something happens.
It’s never required by state law, but you might need it if you have a car loan or lease. Country Financial sells everything you need to meet both minimum and full coverage needs, including the following types of coverage:
- Bodily Injury Liability. This part of liability insurance covers injuries you cause to other drivers, their passengers, and other bystanders.
- Property Damage Liability. As the other half of liability insurance, this covers damage you cause to other people’s property, including their cars and homes. It does not cover your vehicle.
- Collision. Collision auto insurance pays for your car repairs after an accident, even if you caused it. It also covers you if you hit an object, like a mailbox or parked car.
- Comprehensive. When an unexpected event damages your vehicle, comprehensive insurance will pay for repairs. Comprehensive auto insurance covers claims related to fire, floods, extreme weather, vandalism, theft, and animal contact.
- Uninsured/underinsured Motorist. Although most states require drivers to carry insurance, not everyone follows the law. Uninsured motorist insurance protects you from drivers without insurance.
- Personal Injury Protection/Medical Payments. Depending on your state, you can buy either medical payments or personal injury protection insurance. These pay medical expenses for you and your passengers.
You can find these insurance options at most companies. If you’re interested in only basic coverage, Country Financial has you covered. You can also purchase add-ons to improve the coverage in your policy. Country Financial doesn’t have the most options, but there are a few valuable choices. Drivers looking for ample policy customization options should look elsewhere, however.
What add-ons does Country Financial sell?
Add-ons are always optional, but they can vastly improve the level of protection your car insurance offers. Country Financial customers can choose to add the following options to their policies:
- The Keeper. If you total a car four model years or younger, Country Financial will replace it with a brand-new model rather than reimburse you for its depreciated value.
- Trip Interruption. Country Financial will reimburse up to $800 for a rental car, meals, and lodging if you’re stranded 100 miles or more from home after an accident.
- Roadside assistance. If you find yourself stranded closer to home, Country Financial will come to the rescue with $100 for fuel delivery, locksmith services, basic repairs, and towing.
- Personal Effects. Your policy will cover up to $800 if your personal items are damaged or stolen.
- Safety Glass. If you have comprehensive insurance, you can skip your deductible for glass damage if your windshield can be repaired.
If you’re interested in these add-ons, you’ll need to check with a representative to see what’s available in your state. You should only add what you might use, though — add-ons can significantly increase your rates.
Country Financial Insurance Rates Breakdown
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| Driver Profile | Country Financial | National Average |
|---|---|---|
| Clean Record | $221 | $119 |
| 1+ Ticket | $271 | $147 |
| 1+ Accident | $338 | $173 |
| DUI | $438 | $209 |
| Poor Credit | $380 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
One of the things Country Financial is most known for is how affordable its rates are. The average driver looking for minimum insurance pays about $43 a month with Country Financial, while full coverage costs about $149.
As with all insurance companies, the quotes you’ll see depend on different factors unique to you. While Country Financial’s rates always tend to be lower, it offers especially low rates for teens and other inexperienced drivers, compared to the competition.
Is Country Financial car insurance expensive?
Country Financial boasts some of the cheapest car insurance rates on the market, with few companies offering lower prices. Teen and young adult drivers especially should consider Country Financial, as it tends to have the lowest rates for these demographics.
Companies use a variety of factors when crafting insurance rates, including your location, driving record, credit score, age, and the make and model of your vehicle. While they all look at the same factors for the most part, companies weigh each one differently.
For this reason, it’s important to compare quotes with as many companies as possible. To see how much some of the largest auto insurance companies charge, take a look below.
Average Monthly Auto Insurance Rates by Age and by Company
| Companies | 25-Year-Old Female | 25-Year-Old Male | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|---|---|
| Allstate | $219.51 | $220.97 | $678.65 | $733.87 |
| Farmers | $172.13 | $179.75 | $810.38 | $773.12 |
| Geico | $108.35 | $111.96 | $259.76 | $385.52 |
| Liberty Mutual | $279.38 | $296.29 | $544.95 | $882.56 |
| Nationwide | $170.12 | $216.52 | $304.87 | $452.46 |
| Progressive | $192.71 | $187.71 | $527.40 | $587.72 |
| State Farm | $181.32 | $192.87 | $497.40 | $641.39 |
| Travelers | $247.44 | $255.98 | $558.84 | $664.92 |
| USAA | $162.66 | $179.06 | $520.49 | $617.89 |
Country Financial might be the cheapest option for you, depending on your circumstances. You should still look at quotes from other companies, however — skipping this crucial step could result in overpaying for your insurance.
Country Financial Discounts Available
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| Discounts | Country Financial |
|---|---|
| Anti Theft | 12% |
| Good Student | 14% |
| Low Mileage | 10% |
| Paperless | 9% |
| Safe Driver | 13% |
| Senior Driver | 9% |
Insurance companies provide their customers with discounts to help them save on their insurance. Despite a small selection of insurance options, Country Financial has a fairly substantial list of available discounts. When you sign up for a Country Financial policy, you might be eligible for the following discounts:
- Safe Driver Discount: Policyholders with a clean driving record and a history of safe driving habits may qualify for reduced premiums.
- Multi-Vehicle Discount: Insuring multiple vehicles under the same policy can lead to discounted rates for each vehicle.
- Good Student Discount: Students with a strong academic record may be eligible for a discount, encouraging and rewarding responsible behavior on and off the road.
- Anti-Theft Device Discount: Installing anti-theft devices in your vehicle can result in lower premiums, as it reduces the risk of theft and enhances overall security.
- Accident-Free Discount: Maintaining a claims-free history and avoiding accidents may qualify policyholders for additional discounts.
- Occupational Discount: Country Financial offers discounts based on certain occupations, providing unique savings opportunities for policyholders with specific professions.
- Defensive Driving Course Discount: Completing a defensive driving course demonstrates a commitment to safe driving and may lead to a reduction in insurance costs.
- Multi-Policy Discount: Bundling auto insurance with other policies, such as home or renters insurance, can result in discounted rates across the board.
- Good Payer Discount: Consistently making on-time premium payments may make policyholders eligible for a discount, rewarding financial responsibility.
- Paperless Billing Discount: Opting for paperless billing and managing policies electronically may lead to additional savings on insurance premiums.
By taking advantage of these discounts, policyholders can enjoy both financial benefits and the peace of mind that comes with reliable and affordable auto insurance coverage. It’s a testament to Country Financial’s dedication to making insurance not only accessible but also cost-effective for a diverse range of drivers.
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How Country Financial Ranks Among Providers
Country Financial faces competition in the auto insurance industry from several well-established companies, each with its own strengths and weaknesses. Here are some of the main competitors:
- State Farm: State Farm is one of the largest and most well-known insurance providers, offering a wide range of coverage options and a vast network of agents. It consistently ranks among the top insurers in terms of market share and customer satisfaction.
- Geico: Geico is renowned for its catchy advertising and often offers competitive rates, leveraging its direct-to-consumer model. The company also provides a user-friendly online experience for obtaining quotes and managing policies.
- Progressive: Progressive is known for its innovative approach, offering features like usage-based insurance (Snapshot) and a robust online presence. The company appeals to tech-savvy customers and those seeking customizable coverage options.
- Allstate: Allstate is a well-established and reputable insurer that offers a range of coverage options and discounts. The company’s emphasis on personalized service through local agents can appeal to customers who prefer a more traditional approach.
- Farmers Insurance: Farmers Insurance is known for its comprehensive coverage options and a network of local agents providing personalized service. The company also offers a variety of discounts for policyholders.
Read more: Country Mutual Insurance Company: Customer Ratings & Reviews
Each of these competitors brings its own set of advantages and disadvantages to the table. The choice between them depends on individual preferences, coverage needs, and the importance placed on factors like cost, customer service, and technological innovation.
When comparing Country Financial to its competitors, Country Financial is often cheaper. Country Financial’s full coverage rates are about 29% cheaper than the national average, while minimum insurance can be up to 33% lower. Check below to see how Country Financial compares to some of its largest competitors.
Average Monthly Full Coverage Auto Insurance Rates of the Top 10 Auto Insurance Companies
| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation | Monthly Rates w/ One Accident | Monthly Rates w/ One DUI Conviction |
|---|---|---|---|---|
| Allstate | $318 | $374 | $416 | $522 |
| American Family | $224 | $252 | $310 | $361 |
| Farmers | $288 | $340 | $377 | $393 |
| Geico | $179 | $220 | $266 | $406 |
| Liberty Mutual | $398 | $475 | $517 | $634 |
| Nationwide | $229 | $259 | $283 | $379 |
| Progressive | $283 | $334 | $398 | $331 |
| State Farm | $235 | $266 | $283 | $303 |
| Travelers | $287 | $355 | $357 | $478 |
| USAA | $161 | $183 | $210 | $292 |
| Average | $260 | $306 | $342 | $410 |
State Farm is the only company that consistently has lower rates than Country Financial. Keep in mind that these rates are only averages, and you might see much different prices.
How do you make Country Financial claims?
Starting a claim as a Country Financial customer is a simple task. The mobile app and website offer the quickest ways to file a claim, but you can also speak with a representative by calling the Country Financial customer service phone number.
Whichever way you file your claim, you’ll need a little information to get started. If you have your policy number, details of the incident you’re filing a claim for, and pictures of the damage, it will help Country Financial resolve your claim quicker.
How do you make Country Financial payments?
Country Financial gives customers a variety of options to pay their insurance bills. The most convenient options are using the mobile app or website. If you’d rather speak with someone, you can also call the customer service phone number or visit a local representative.
Country Financial Auto Insurance Digital and Technological Features
Mobile App Features and Functionality
Country Financial’s mobile app is a robust tool that enhances the overall customer experience. It provides convenient features such as claims submission, policy management, and digital ID cards. The app also offers real-time access to important policy information and allows users to track the status of their claims.
Online Account Management Capabilities
Country Financial excels in providing comprehensive online account management capabilities. Policyholders can access their accounts securely, review policy details, make payments, and update information at their convenience. The online platform ensures a seamless experience for users to manage their policies without the need for extensive paperwork.
Digital Tools and Resources
The company offers a suite of digital tools and resources designed to empower policyholders. This includes educational materials, coverage calculators, and risk assessment tools available on their website.
These resources aim to assist customers in making informed decisions about their insurance needs and understanding the various coverage options offered by Country Financial. The integration of such digital tools showcases the company’s commitment to leveraging technology for the benefit of its policyholders.
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Frequently Asked Questions
Is Country Financial a good insurance company?
Country Financial is usually considered a good insurance company in most ways you can evaluate a company. This smaller company offers decent coverage options, low rates, and a long list of discounts.
Is Country Mutual the same as Country Financial?
Country Financial and Country Mutual are the same company. Country Mutual operates under Country Financial, but both companies have excellent ratings and low rates no matter where you shop.
Who owns Country Financial?
A bank in Illinois called the Illinois Agricultural Association currently owns Country Financial.
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.
How does Country Financial compare to its competitors in terms of rates?
Country Financial is often cheaper than its competitors. Its full coverage rates are about 29% cheaper than the national average, and minimum insurance rates can be up to 33% lower. However, State Farm consistently has lower rates than Country Financial. It’s essential to compare quotes from different companies to find the best rates for your specific needs.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
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.
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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