With Country Financial’s broad selection of coverage options and discounts for different drivers, we give the company a rating of 4.3 out of 5.0 stars in our review.
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In This Review In This Review:
Country Financial auto insurance is primarily available in the South, Midwest, and Pacific Northwest regions. This review takes a close look at Country Financial reviews, coverage, cost, discounts, and more. We explain everything you need to know about Country Financial car insurance and offer up our recommendations for the best car insurance providers to compare quotes with.
| Country Financial Review: Overall Rating | The Bottom Line |
|---|---|
| 4.3 out of 5.0 | Country Financial offers reliable coverage with unique discounts and add-ons. |
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Country Financial offers the standard coverages most providers offer alongside some unique add-ons and discounts. However, the company has limited coverage availability and some mixed customer feedback online. Below, we cover the positives and negatives of working with Country Financial.
Country Financial may have limited availability, but the company has strong scores in our categories and an overall rating of 4.3 out of a possible 5.0 stars. The company has a high number of coverage options, unique discounts, and a decent industry reputation.
| Rating Factor | Rating (Out of 5.0) |
|---|---|
| Cost | 4.4 |
| Coverage | 4.5 |
| Reliability | 4.4 |
| Availability | 4.1 |
| Service | 4.0 |
| Technology | 4.7 |
| Overall Rating | 4.3 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology at the end of this article.
On the Better Business Bureau (BBB), Country Financial has an A- score and a 1.2-star rating. We’ve seen even the best car insurance companies have low star ratings on the BBB, so don’t let that be a dealbreaker. Also, keep in mind that the comments aren’t limited to Country Financial insurance reviews.
Positive Country Financial auto insurance reviews mention exceptional customer service and caring agents. Longtime customers appreciate their agents and the support provided throughout the claims process.
“Country Financial has always taken great care of me. I appreciate the exceptional service I’ve received from my agent, the contact centers, and their claims adjusters. The insurance industry can be difficult for a consumer to navigate. Country Financial makes it easy and has helped my family and I maintain financial security during our toughest hardships. Thank you for having my back throughout the years.
– Kohl B. via BBB
Some of the complaints against Country Financial included a couple of customers voicing disappointment over being billed after their policies were canceled. We also noticed a few complaints about ineffective customer support and sudden rate increases.
While we can’t determine why a particular customer experienced a rate increase, it is important to keep in mind that car insurance rates can be affected by a number of reasons, including changes in your credit, recent moves, accidents, or tickets.
“Warning: Country won’t pay for hail damage. We’ve been with the company 50+ years and just switched. Why? Because the first time we made a homeowner’s claim for hail damage, it was denied. The adjuster was rude and uncooperative. Every house in the neighborhood who filed a claim with other insurance companies was given a settlement, but not those with Country Companies.”
– Janet L. via BBB
Country Financial auto insurance is available in 19 states:
Beginning with a focus in agriculture, the company was originally founded in 1925 as a fire and lightning insurance provider. It later grew to include multiple insurance products such as auto, home and property, life, business, specialty products, farm and ranch, and crop insurance. Company headquarters are located in Bloomington, Illinois.
Country Financial auto insurance policies may be underwritten by Country Mutual Insurance Company, Country Casualty Insurance Company, or Country Preferred Insurance Company. In all, the Country Insurance and Financial Services Group wrote more than $1.3 billion in auto insurance premiums in 2023, according to the National Association of Insurance Commissioners (NAIC).
Country Financial has several auto insurance coverage options. Here is a quick breakdown of what you can expect from each type of coverage. Since not all deductibles and coverages are available in every state, we recommend talking to an agent or getting an online quote to determine your eligibility.
Country Financial auto insurance has several optional coverage add-ons for purchase that can give you added confidence on the road.
According to our rate estimates, the average annual rate for a full-coverage insurance policy from Country Financial is $1,557 per year or $130 per month. This rate estimate is based on the profile of a 30-year-old with good credit and a clean driving record, which is well below the national average of $1,968 per year for similar coverage.
What you pay for coverage from the company may vary. The final cost of Country Financial auto insurance is determined by many personal factors, such as:
Based on data we analyzed from our rate estimates, annual car insurance premiums across the U.S. usually range from $1,000 to $3,000–with a national average of $1,968.
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Discounts Most car insurance providers offer some discounts to encourage customer loyalty and reward safe driving practices. Here is a quick look at the various discounts you may be eligible for if you get Country Financial auto insurance.
| Discount | Savings | Details |
|---|---|---|
| Advance quote discount | Up to 12 percent | If you get a quote while your current policy is still active |
| Good driver discount | Up to 26 percent | If you are a good driver with no accidents or tickets in the past three years |
| Simply Drive ® discount | Up to 10 percent | If you just got your new driver’s license and complete Country Financial’s Simply Drive® course, a safety course for 16- and 17-year-old drivers |
| Engaged couple discount | Up to 24 percent | For couples engaged to be married within one year |
| Multi-policy discount | Varies | If you have multiple policies with Country Financial, such as homeowners insurance, life insurance, or renter’s insurance |
| Multi-car discount | Up to 30 percent | If you insure multiple cars with Country Financial |
| Legacy discount | Up to 25 percent | For unmarried children below age 25 if parents qualify for a multi-car and multi-policy discount |
| Defensive driver discount | Up to five percent | If you complete a state-approved defensive driving course |
| Occupation discount | Up to 15 percent | If you are a K–12 teacher, a firefighter, police officer, EMT, or paramedic |
| Anti-theft discount | Up to 15 percent | If you have alarms or other anti-theft systems installed on your cars |
| Good student discount | Up to 35 percent | For full-time students with a “B” grade point average or above |
The Country Financial website offers potential customers quick online insurance quotes and existing customers a portal to file claims, view policies, pay bills, or chat online with a representative. In today’s digital world, mobile apps offer another way to improve customer satisfaction, and Country Financial takes full advantage of this. If you are a Country Financial auto insurance customer, you can use its mobile app to access your account, view your insurance card, pay bills, and more. Country Financial Mobile has a 3.8-star rating on the App Store and a 3.4-star rating on Google Play.
We rated Country Financial 4.3 out of 5.0 stars. Overall, Country Financial appears to be a viable option for auto insurance if you live in any of the 19 states it services. It has been in the business for almost a century and has good financial stability with an A+ rating from AM Best. Country Financial auto insurance costs seem average for the industry. Unique discount offers such as the engaged couple discount and occupation discount can qualify you for substantial savings on your premium if you are eligible. At the same time, Country Financial does not offer accident forgiveness benefits or ridesharing coverage, which can be a disadvantage.
Choosing the right insurance provider and coverage is tricky. If you go by cost alone, you may not get the coverage you need. On the other hand, if you buy unnecessary coverage, you will spend more than needed. If you don’t think that Country Financial auto insurance is the right choice for you, make sure to read our recent review of the top car insurers, where we evaluated different companies on factors like financial strength, customer service, coverage, and affordability.
Geico is a well-known name in the insurance industry and offers low rates, great coverage, useful discounts, and solid financial strength. Many drivers like the company’s usage-based insurance coverage as an additional way to save money on premiums. Geico also offers discounts for students and military members. For more, read our Geico auto insurance review.
As the largest and most popular insurance company in the U.S., State Farm is our top choice among all of the insurance providers we researched. The company offers a wide selection of coverage options, great discounts, and fantastic rates for student and teen drivers. It also offers usage-based insurance options with an easy-to-use app. For more information, read our State Farm auto insurance review.
Country Financial is an affordable insurance company with a long history and positive industry ratings.
A Country Financial full-coverage car insurance policy costs an average of $1,557 per year or $130 per month for well-qualified drivers. For minimum coverage, drivers pay an average of $510 per year or $43 per month .
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
*Data accurate at time of publication.
