UPDATED: Jan 10, 2023

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Country Financial

Average monthly rate for good drivers:

$149

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Highly-rated customer service
  • Affordable rates for teen and young adult drivers
  • A few coverages options that are hard to find elsewhere, like portable electronics and media coverage and a glass deductible modification

Cons

  • Only available in 19 states
  • Country Financial’s mobile app is poorly rated
  • Limited coverage options

The Bottom Line

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.

Country Financial is an excellent choice for affordable car insurance if you live in one of the 19 states it operates in. It might lack the long list of coverage options that some of its competitors offer, but most customers report satisfaction with their policies.

Although Country Financial offers low average rates, you might find a better policy for your needs elsewhere. The only way to find the lowest rates while still getting the right coverage is to compare quotes with as many companies as possible.

Is Country Financial a Good Choice?

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.

Country Financial Pros vs. Cons

Like all companies, Country Financial has strengths and weaknesses. When you shop at Country Financial, you’ll get access to the following benefits:

  • Highly-rated customer service
  • Affordable rates for teen and young adult drivers
  • A few coverages options that are hard to find elsewhere, like portable electronics and media coverage and a glass deductible modification

All companies have their problems, though, and Country Financial is no exception. Before you sign up for a Country Financial policy, you should be aware of the following cons:

  • Only available in 19 states
  • Country Financial’s mobile app is poorly rated
  • Limited coverage options

Even though Country Financial has limited availability, it’s typically considered a solid insurance choice. However, you should explore what Country Financial can do for you before signing up for a car insurance policy.

Country Financial Rates

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
Companies25-Year-Old Female25-Year-Old Male17-Year-Old Female17-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
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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.

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Country Financial Discounts Available

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:

  • Anti-theft devices. Installing an anti-theft device in your car will earn you a discount on your comprehensive insurance. Popular anti-theft devices include GPS tracking and audible alarms.
  • Sign early. If you sign up for a Country Financial policy at least seven days before a pre-existing plan with another company ends, you’ll get a small discount.
  • Legacy. Unmarried people who split off from a parent or guardian’s Country Financial policy get a discount for continuing to be a customer.
  • Married couples. Married couples over the age of 21 get a discount on their insurance.
  • Students. There are two Country Financial student discounts – one for college graduates and one for students maintaining a 3.0 GPA.
  • Multi-vehicle. Households with more than one vehicle can earn a discount by keeping all of the vehicles on the same policy.
  • Safe driver. Country Financial drivers that remain free of accidents, tickets, and claims for at least three years are rewarded with savings.
  • Bundling. Country Financial offers more than just car insurance. You’ll save on both if you buy at least two policies from Country Financial.
  • Defensive driver. If you pass an accident avoidance class, Country Financial will discount your insurance.
  • New drivers. Drivers under 18 can earn a discount by completing a Country Financial driving course.
  • Occupational. Country Financial offers special savings for full-time teachers, emergency medical technicians, police officers, paramedics, and firefighters.

Some of Country Financial’s discounts are common amongst insurance companies, while others are harder to find. For example, only a few other companies offer occupational discounts.

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 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 vs. Competitors

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
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly 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
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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.

See if Country Financial is Right for You

Country Financial is an excellent choice for affordable car insurance if you live in one of the 19 states it operates in. It might lack the long list of coverage options that some of its competitors offer, but most customers report satisfaction with their policies.

Although Country Financial offers low average rates, you might find a better policy for your needs elsewhere. The only way to find the lowest rates while still getting the right coverage is to compare quotes with as many companies as possible.

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.

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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.

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. 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.

Full Bio →

Written by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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. 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.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker