Country Financial Auto Insurance Review for 2024 (See if They’re a Good Fit)
Choose Country Financial auto insurance for minimum coverage starting at $13/mo, delivering affordable and reliable protection. This Country Financial auto insurance review showcases discounts tailored for young drivers, making it a top choice for those seeking comprehensive coverage at lower rates.
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Nov 1, 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: Nov 1, 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.
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Country Financial
Average Monthly Rate For Good Drivers
$13A.M. Best Rating:
A+Complaint Level:
LowPros
- Tailored coverage to fit individual customer needs
- Competitive premiums for individual life policies
- Reliable customer service with accessible support
- Wide range of insurance products beyond life insurance
Cons
- Limited insurance options
- Not available in every state
- The mobile app is not highly rated
- 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
Country Financial auto insurance review highlights why this company excels with its robust financial standing and impressive customer satisfaction scores. Earning an A+ rating from A.M. Best, ensures policyholders receive reliable claims support.
The company’s offerings include a variety of essential coverage options tailored to meet diverse needs, along with customizable add-ons for additional protection.
Customers benefit from competitive discounts, especially young drivers, making it a top choice for those seeking affordable insurance. Get detailed insights in our guide, “Best Auto Insurance Companies.”
Country Financial Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.5 |
| Business Reviews | 4.5 |
| Claim Processing | 4.0 |
| Company Reputation | 4.5 |
| Coverage Availability | 3.9 |
| Coverage Value | 4.6 |
| Customer Satisfaction | 4.1 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.8 |
| Plan Personalization | 4.5 |
| Policy Options | 5.0 |
| Savings Potential | 4.9 |
Get the best auto insurance rates possible by entering your ZIP code above into our free comparison tool today.
Understanding Country Financial: What You Need to Know
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 is financially strong enough 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. Find out more in our guide titled, “How to Evaluate Auto Insurance Quotes.”
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Evaluating the Cost of Country Financial Car Insurance
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.
Country Financial Payment Options Explained
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.
Navigating the Claims Process With Country Financial
For example, making payments and 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’s preferred insurance claims phone number. Whichever option you choose, you should take pictures of any damage done to your car. It would also help you start your claim as soon as possible.
Country Financial Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
Country Financial provides varying auto insurance rates based on the coverage level, age, and gender of the policyholder. These rates are designed to accommodate different needs and budgets, making it a flexible option for a wide range of drivers.
Country Financial Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $34 | $165 |
| Age: 16 Male | $29 | $160 |
| Age: 18 Female | $26 | $155 |
| Age: 18 Male | $27 | $150 |
| Age: 25 Female | $25 | $135 |
| Age: 25 Male | $26 | $130 |
| Age: 30 Female | $22 | $125 |
| Age: 30 Male | $15 | $118 |
| Age: 45 Female | $19 | $115 |
| Age: 45 Male | $15 | $118 |
| Age: 60 Female | $13 | $110 |
| Age: 60 Male | $15 | $108 |
| Age: 65 Female | $14 | $105 |
| Age: 65 Male | $15 | $103 |
The table below breaks down the monthly premiums for Country Financial auto insurance, including comprehensive auto insurance coverage, by gender and age. Younger drivers, particularly males, tend to have higher premiums due to increased risk factors.
For instance, a 16-year-old male pays $29 for minimum coverage and $160 for full coverage auto insurance, while a 30-year-old male pays as low as $15 for minimum and $118 for full coverage. Female drivers generally benefit from slightly lower rates, reflecting statistically safer driving records.
These variations underline how Country Financial tailors its rates to match the risk profile of different demographic groups, ensuring fair and competitive pricing for all customers.
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.
Country Financial Auto Insurance Coverage Options
| Coverage | Description |
|---|---|
| Collision Coverage | Covers damage from collisions with vehicles or objects |
| Comprehensive Coverage | Protects against damage from theft, fire, or vandalism |
| Emergency Roadside Assistance | Helps with flat tires, towing, or dead battery issues |
| Liability Coverage | Covers liability for injury or property damage caused |
| Medical Payments (MedPay) | Pays medical expenses for accidents involving passengers |
| Personal Effects Coverage | Reimburses for stolen or damaged personal items inside |
| Personal Injury Protection (PIP) | Pays medical costs, lost wages, regardless of fault |
| Safety Glass Coverage | Covers repair or replacement of damaged safety glass |
| The Keeper® - New Car Coverage | Replaces a totaled new car with a brand-new model |
| Umbrella Insurance | Offers extra liability coverage beyond your policy |
| Uninsured and Underinsured Motorist Coverage (UI/UIM) | Covers accidents with drivers lacking enough insurance |
| Vehicle Rental and Trip Interruption | Pays for rental car and trip interruption 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.
Investigating Country Financial’s Add-Ons
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. 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.
Country Financial Full Coverage Auto Insurance Monthly Rates vs. Competitors
| Insurance Company | Age: 16 Female | Age: 16 Male | Age: 20 Female | Age: 20 Male | Age: 30 Female | Age: 30 Male | Age: 40 Female | Age: 40 Male | Age: 50 Female | Age: 50 Male |
|---|---|---|---|---|---|---|---|---|---|---|
 | $608 | $638 | $410 | $430 | $190 | $195 | $180 | $185 | $170 | $175 |
 | $414 | $509 | $280 | $290 | $160 | $165 | $150 | $155 | $140 | $145 |
| $350 | $360 | $240 | $250 | $130 | $135 | $120 | $125 | $110 | $115 |
 | $810 | $773 | $450 | $470 | $230 | $235 | $220 | $225 | $210 | $215 |
 | $298 | $312 | $220 | $230 | $120 | $125 | $110 | $115 | $100 | $105 |
 | $723 | $785 | $440 | $460 | $220 | $225 | $210 | $215 | $200 | $205 |
 | $411 | $476 | $300 | $310 | $150 | $155 | $140 | $145 | $130 | $135 |
 | $801 | $814 | $420 | $440 | $210 | $215 | $200 | $205 | $190 | $195 |
 | $311 | $349 | $230 | $240 | $140 | $145 | $130 | $135 | $120 | $125 |
 | $719 | $910 | $430 | $450 | $210 | $215 | $200 | $205 | $190 | $195 |
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.
Country Financial Minimum Coverage Auto Insurance Monthly Rates vs. Competitors
| Insurance Company | Age: 16 Female | Age: 16 Male | Age: 20 Female | Age: 20 Male | Age: 30 Female | Age: 30 Male | Age: 40 Female | Age: 40 Male | Age: 50 Female | Age: 50 Male |
|---|---|---|---|---|---|---|---|---|---|---|
| $244 | $255 | $164 | $172 | $76 | $78 | $72 | $74 | $68 | $70 |
| $166 | $204 | $112 | $116 | $64 | $66 | $60 | $62 | $56 | $58 |
| $140 | $144 | $96 | $100 | $52 | $54 | $48 | $50 | $44 | $46 |
| $324 | $309 | $180 | $188 | $92 | $94 | $88 | $90 | $84 | $86 |
| $119 | $125 | $88 | $92 | $48 | $50 | $44 | $46 | $40 | $42 |
| $289 | $314 | $176 | $184 | $88 | $90 | $84 | $86 | $80 | $82 |
| $164 | $190 | $120 | $124 | $60 | $62 | $56 | $58 | $52 | $54 |
| $320 | $326 | $168 | $176 | $84 | $86 | $80 | $82 | $76 | $78 |
| $124 | $140 | $92 | $96 | $56 | $58 | $52 | $54 | $48 | $50 |
| $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:
Top Country Financial Auto Insurance Discounts by Savings Potential
| Discount | Rank | Percentage | Description |
|---|---|---|---|
| Good Student | #1 | 35% | For students maintaining good grades. |
| Family Plan | #2 | 25% | Applies to families insuring multiple members together. |
| Multiple Policies | #3 | 25% | Applies when holding multiple insurance policies with the same insurer. |
| Multiple Vehicles | #4 | 15% | For insuring more than one vehicle through the same company. |
| Homeowner | #5 | 12% | Homeowners receive this discount on their insurance. |
| Anti-Theft | #6 | 10% | Vehicles with theft-prevention devices qualify for this discount. |
| Early Signing | #7 | 10% | Available when signing a new policy before the current one expires. |
| Driver's Ed | #8 | 10% | Given for completing a driver's education course. |
| Newer Vehicle | #9 | 10% | Applies to newer model vehicles. |
| Defensive Driver | #10 | 5% | Awarded to drivers who complete an approved defensive driving course. |
While some of Country Financial’s discounts are relatively common, it offers a few that are hard to find elsewhere. See how you can save on insurance in our guide, “Best Auto Insurance Discounts.”
Country Financial Rankings 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.
Comment
byu/bizowner92 from discussion
inInsurance
State Farm auto insurance (refer to our “State Farm Auto Insurance Review” for further details) has lower average rates than Country Financial. However, these are only averages — you might see different rates when your unique situation is accounted for.
Country Financial’s competitive rates and discounts make it a great choice for budget-conscious drivers.Laura Berry Former Licensed Insurance Producer
Country Financial Life Insurance is a well-established provider, offering a diverse range of policies catering to individual needs. With a solid financial foundation and years of experience, it remains a strong option for comprehensive life insurance solutions.
Country Financial Life Insurance Company Overview Table
| 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 |
Country Financial is still successful because it offers dependable life insurance protection and outstanding financial stability. Its focus on term and whole-life policies ensures tailored protection for customers seeking peace of mind.
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Country Financial Car Insurance: Pros and Cons Breakdown
Country Financial Car Insurance offers several advantages for drivers looking for reliable coverage. The company stands out as a trusted option in the auto insurance industry with affordable rates and customizable policies.
- Customized Coverage: Offers personalized car insurance policies to meet individual driver needs.
- Competitive Rates: Car insurance plans are priced lower than many competitors, providing cost-effective coverage.
- Responsive Customer Support: Support is readily accessible, with a reputation for solid service.
- Variety of Products: The company provides many other insurance coverages besides car insurance.
These benefits make Country Financial a strong contender for drivers seeking affordable, customized auto insurance.
State Farm, Progressive, Allstate, Geico…These and more made our list of the top 10 🏆auto insurance companies. Check out 👀our review to see which might be a good fit for you👉: https://t.co/RS6zOyxEnY pic.twitter.com/XUC6Loksx1
— AutoInsurance.org (@AutoInsurance) September 25, 2024
However, Country Financial does have some drawbacks. Certain limitations may deter customers, particularly those looking for broader availability or modern tech features.
- Limited Options: The range of car insurance policies is more restricted compared to larger companies.
- Not Available Everywhere: Country Financial doesn’t operate in all states, limiting access for some drivers.
- Low App Ratings: The mobile app has received poor reviews, which may reduce convenience for tech-savvy customers.
Despite these disadvantages, Country Financial remains a solid option for those prioritizing personalized service and affordable premiums over digital convenience.
Read more: Best Good Student Auto Insurance Discounts
Ratings & Strength of Country Financial
Country Financial has consistently received positive ratings across various independent agencies, showcasing its strong business practices and customer satisfaction. The company is known for its solid financial standing and fewer complaints compared to competitors, making it a reliable choice for insurance needs.
Country Financial Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 849 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Feedback |
 | Score: 0.58 Fewer Complaints |
 | Score: A+ Superior Financial Strength |
Overall, Country Financial’s solid ratings and reviews position it as a leading choice for those seeking an insurer with strong financial backing, ethical business practices, and high customer satisfaction. To find out more, explore how auto insurance companies check driving records.
Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.
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. Delve deeper into our detailed guide titled, “Best Auto Insurance by Drivers.”
Who owns Country Financial?
Country Financial is a subsidiary of the Illinois Agricultural Association, which is a bank in Illinois. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
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’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. Find out more by reading our guide titled, “How to File an Auto Insurance Claim.”
What is the Country Financial claims phone number?
You can reach Country Financial claims by calling their dedicated claims phone number at 1-866-COUNTRY (1-866-268-6879).
How are Country Financial claims reviews?
Country Financial claims reviews are generally positive, with many customers praising the efficient claims process and supportive service.
What does Country Financial home insurance cover?
Country Financial homeowners insurance covers various risks, including property damage, theft, liability, and additional living expenses if your home becomes uninhabitable.
What are country companies?
Country companies refer to the network of insurance and financial service providers under the Country Financial brand. Gain further insights by exploring our detailed resource on, “How to Cancel Country Financial Auto Insurance.”
What is Country Mutual?
Country Mutual is a part of Country Financial, offering a range of insurance products, including auto and home insurance.
How are Country Financial reviews?
Country Financial reviews are generally positive, highlighting strong customer service, reliable claims handling, and affordable rates.
What does Country car insurance offer?
Country car insurance offers standard coverage options such as liability, collision, and comprehensive, with additional discounts available.
Is Country Mutual Insurance reliable?
Yes, Country Mutual Insurance is considered reliable, providing strong financial backing and good customer support as part of the Country Financial group. Discover more by checking out our guide titled, “How long does it take for auto insurance coverage to be active?”
What is covered in a Country Financial insurance review?
A Country Financial insurance review typically covers the company’s financial stability, customer satisfaction ratings, and available coverage options.
What types of policies do Country Companies insurance offer?
Country Companies insurance offers a variety of policies, including auto, home, life, and business insurance, catering to diverse customer needs.
What do Country Financial car insurance reviews say?
Country Financial car insurance reviews often praise the company for its competitive pricing, solid coverage options, and responsive claims process.
How good is Country Companies auto insurance?
Country Companies car insurance is well-regarded for its competitive rates, comprehensive auto insurance coverage options, and customer service.
How can I get a Country Financial auto insurance quote?
You can get a Country Financial quote by visiting their website, contacting a local agent, or calling their customer service hotline. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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.
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