COUNTRY Financial Auto Insurance: User Reviews and Quotes (2024)

COUNTRY Financial has good third-party ratings and cheaper-than-average premiums. It also offers a great selection of discounts and add-on coverages.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated December 1, 2024

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Established in 1925, COUNTRY Financial has headquarters in Bloomington, Illinois. The company is an excellent auto insurance company with good third-party ratings and an impressive selection of available discounts and coverage options. Additionally, its average car insurance premiums are cheaper than the U.S. national average.

But COUNTRY Financial has some downsides. The company only sells auto insurance in 19 states, so it’s not an option for everyone shopping for car insurance. You must also work with an agent to get a final quote and purchase coverage. And while you can request a quote online, there’s no option to complete a policy online.

If you’re comparing car insurance quotes from COUNTRY Financial, here’s how it shapes up against competitors.

Quick Facts
  • COUNTRY Financial has many add-ons, but it doesn’t offer gap insurance.

  • Drivers pay an average of $38 per month for full-coverage insurance and $16 per month for liability insurance from COUNTRY Financial.

  • COUNTRY Financial has an AM Best financial strength rating of A+ (Superior), indicating an excellent ability to pay out its claims.[1]

How COUNTRY Financial compares to other insurance companies

Compared to its biggest competitors, like American Family and Erie, COUNTRY has more affordable premiums.

COUNTRY Financial is a large regional insurer offering car insurance in more states than its competitors — and more discounts. But the company only writes policies in 19 states.

Below, you can see how COUNTRY Financial stacks up to other insurance companies based on some of the most important features.

Factor
How COUNTRY Financial Compares
RatesCheaper 
Customer serviceSimilar to competitors
DiscountsMore than competitors 
AvailabilityMore than competitors
Financial strengthStronger than competitors
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.

    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot. 

    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.

    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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How COUNTRY Financial’s rates compare to competitors

COUNTRY Financial offers some of the most affordable rates. Drivers pay average premiums of $38 per month for full coverage and $16 per month for liability only.

For comparison, competitors American Family and Erie offer liability insurance for $72 and $49 per month, respectively.

The table below compares COUNTRY Financial’s full-coverage rates to its competitors.

Full-Coverage Rates by Insurance Company

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of COUNTRY Financial auto insurance

Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers as more likely to file a claim and charge higher rates to make up for the possible financial loss.[2]

Similarly, teen drivers see high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers have the lowest rates because they have the most experience.[2]

The table below illustrates how COUNTRY Financial’s liability rates compare to the national average liability rates for various driver profiles.

Driver
COUNTRY Financial Average Liability Quote
National Average Liability Quote
Drivers with a clean record$16$105
Drivers with a speeding ticket$20$146
Drivers with an at-fault accident$22$152
Drivers with a DUI$26$173
Teen drivers$19$196
Senior drivers$13$81
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

COUNTRY Financial car insurance cost by state

Car insurance rates and minimum-coverage requirements vary by state. Your city and ZIP code can also affect your premium. Factors like the number of uninsured drivers in the area, the crime rate in your ZIP code, and the weather risks in your region can all affect how much insurance companies charge for coverage.

In general, COUNTRY Financial offers very competitive rates and is often cheaper than competitors. The table below shows average liability rates from COUNTRY compared to the state liability rates for some of the states COUNTRY offers coverage in.

State
COUNTRY Financial Average Liability Quote
State Average
Alabama$41$59
Arizona$109$91
Colorado$48$97
Georgia$63$152
Idaho$39$69
Illinois$48$79
Indiana$39$72
Iowa$35$56
Kansas$44$80
Minnesota$57$105
Missouri$54$98
Nevada$33$183
North Dakota$50$84
Oklahoma$51$84
Oregon$56$99
Tennessee$44$73
Washington$50$76
Wisconsin$35$65
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

COUNTRY Financial car insurance discounts

When comparing car insurance companies, it’s important to review the car insurance discounts available. Every car insurance company offers different discounts with varying savings potential. Choosing an insurer that offers many discounts you can qualify for will help you get the best deal possible.

COUNTRY Financial offers an excellent selection of discounts, including:

  • Multi-vehicle

  • Multi-policy

  • Engaged couple

  • Occupation

  • Good student

  • College graduate

  • Good driver

  • Advanced quote

  • Customer loyalty

  • Anti-theft device

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How customers feel about COUNTRY Financial

COUNTRY Financial insurance reviews are very good. The company has an AM Best financial strength rating of A+ (Superior), which indicates that the company can meet financial obligations and pay claims.[1] It also has fewer complaints than expected for its size, according to the National Association of Insurance Commissioners (NAIC) Complaint Index.[3]

In the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, COUNTRY Financial earned a rating of 894/1,000, a good bit higher than the study average of 878. COUNTRY Financial ranked fourth among 24 insurance companies.[4]

COUNTRY Financial also ranked highly in the North Central region, scoring 828, and rated above average for overall customer satisfaction.[5]

While COUNTRY Financial has mostly positive third-party ratings, other ratings aren’t as impressive. The company has an A- rating from the Better Business Bureau (BBB) and an average customer score of only 1.24 out of five.[6] On Trustpilot, COUNTRY Financial has an average rating of 2.6 out of five based on just four reviews.[7]

COUNTRY Financial customer reviews

Before choosing an insurance company, it can be helpful to read customer reviews. Here are some recent COUNTRY Financial insurance reviews from verified users.

COUNTRY Financial ratings

Overall, COUNTRY Financial ratings are great. The company has excellent financial strength and rates above average for overall customer satisfaction in some states. It also has fewer complaints than expected, which suggests that customers are mostly satisfied with COUNTRY Financial’s service.

Rating
Score
What This Means
AM BestA+Excellent ability to pay claims
J.D. Power828/1,000Above-average customer satisfaction in North Central region
NAIC Complaint Index.34Fewer complaints than expected for its size

COUNTRY Financial car insurance coverage options

COUNTRY Financial offers liability coverage policies and full-coverage policies that include collision and comprehensive insurance. In addition, the company offers a variety of endorsements, or add-ons, that allow you to customize your coverage.

Compared to other insurance companies, COUNTRY Financial offers a much bigger selection of add-ons:

  • illustration card https://a.storyblok.com/f/162273/150x150/c09380c3c0/car-dashboard-96x96-orange_045-airbag.svg

    Personal injury protection coverage

    PIP insurance will automatically cover your medical expenses after an accident, regardless of which driver was responsible. Most no-fault states require this policy, and it’s optional in at-fault states.

  • illustration card https://a.storyblok.com/f/162273/150x150/e80d4ae197/car-and-driving-96x96-gold_019-car.svg

    The Keeper

    This policy is COUNTRY Financial’s version of new-car replacement coverage. If you total your car or someone steals it, the insurance company will compensate you for the cost of a new vehicle of a similar make and model to the old one.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car coverage

    Rental car coverage will reimburse up to $800 for a rental car if your personal vehicle needs repairs after a claim. It also covers transportation, lodging, and meals if you get into an accident more than 100 miles from home.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Emergency roadside assistance provides up to $100 in coverage for things like towing, fuel delivery, battery replacements, and labor charges.

  • illustration card https://a.storyblok.com/f/162273/100x100/32ed42213e/personal-property.svg

    Personal effects coverage

    Personal effects apply if someone steals personal belongings, like a laptop, from your vehicle. The maximum coverage limit is $800.

  • illustration card https://a.storyblok.com/f/162273/100x100/bee953a0c5/broken-tail-light.svg

    Windshield replacement coverage

    COUNTRY Financial will cover the cost of repairing your windshield, car windows, or headlights if you have windshield replacement coverage. You don’t have to pay your comprehensive insurance deductible if you have this coverage.

  • illustration card https://a.storyblok.com/f/162273/150x150/01990402e5/car-service-96x96-orange_043-tyre.svg

    Umbrella liability coverage

    Umbrella liability insurance provides additional liability coverage beyond the limits of your personal car insurance policy.

Other options for COUNTRY Financial customers

COUNTRY Financial offers a variety of insurance products. Besides auto insurance, you can also purchase the following policies:

  • Home insurance: Homeowners insurance covers the physical structure of your home and your personal items from damage. It also includes liability insurance, guest medical expenses insurance, and additional living expenses insurance.

  • Business insurance: Business insurance is a bundle of policies that often includes general liability insurance, commercial property insurance, workers’ compensation, and commercial auto insurance.

  • Farm insurance: Farm insurance covers risks that farmers and ranchers can face on the job. COUNTRY Financial also offers livestock insurance and country estate insurance.

  • Life insurance: Life insurance provides financial support for your loved ones if you pass away. COUNTRY Financial offers term, whole, and indexed universal life insurance.

  • RV insurance: RV insurance covers travel trailers, campers, motor homes, snowmobiles, golf carts, and more.

How COUNTRY Financial DriverIQ works

DriverIQ is COUNTRY Financial’s safe driver rewards program. The program uses a mobile app and telematics technology to track your driving behaviors like acceleration, brake force, and phone usage and uses the data to determine whether you’re driving safely.

Enrolling in the DriverIQ program automatically gives you a 10% discount on your car insurance premium. Every time your insurance renews, you can earn additional discounts of up to 25% when you demonstrate safe driving habits.

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COUNTRY Financial insurance FAQs

Still deciding if COUNTRY Financial is the right car insurance company for your needs? Check out the questions and answers below for more information about the company.

  • Is COUNTRY Financial legitimate?

    Yes. COUNTRY Financial is a legitimate insurance company with excellent third-party ratings and strong financials. There also haven’t been any reports linking the company to any fraudulent business practices.

  • What is the average cost of COUNTRY Financial car insurance?

    The average cost of COUNTRY Financial car insurance is $38 per month for full coverage and $16 per month for liability-only coverage.

  • Is COUNTRY Financial good at paying claims?

    Yes. COUNTRY Financial is good at paying claims. The company has an AM Best financial strength rating of A+ (Superior), meaning it’s financially strong and can meet its financial obligations.[1] J.D. Power also rates COUNTRY Financial above average for overall claims satisfaction.[4]

  • How do I cancel my COUNTRY Financial insurance policy?

    To cancel a COUNTRY Financial car insurance policy, you must contact your insurance agent. Canceling a policy is free, and depending on when you cancel, you might be entitled to a refund on unused premiums.

  • What types of insurance does COUNTRY Financial offer?

    COUNTRY Financial offers many different types of insurance. Besides auto insurance, you can also get home insurance, renters insurance, boat insurance, RV insurance, life insurance, farm insurance, business insurance, pet insurance, and a few others.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Ambest.com. "A.M. Best Affirms Ratings of COUNTRY Financial PC Insurance Group Members and COUNTRY Financial Life Group Members."
  2. III. "What determines the price of an auto insurance policy?."
  3. Naic.org. "Consumer Insurance Refined Search Results."
  4. Jdpower.com. "2023 U.S. Auto Claims Satisfaction Study."
  5. Jdpower.com. "2023 U.S. Auto Insurance Study."
  6. BBB. "COUNTRY Financial."
  7. Trustpilot. "COUNTRY Financial."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com. 

Elizabeth has been a contributor at Insurify since October 2022.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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