Country Financial Auto Insurance Review (2024)

Founded in 1925 selling fire and lightning insurance, Country Financial has since expanded into a variety of other insurance types. Today, Country car insurance is highly-rated and usually affordable.

Unfortunately, Country Financial is only available in some states. If you happen to live in one of the states where Country Financial sells insurance, it might be your cheapest option for car insurance. Country Financial typically offers affordable rates for all demographics but is especially low for young drivers.

However, Country Financial doesn’t have as many coverage options as other companies, but it makes up for it with a long list of unique car insurance discounts. Country Financial also receives fewer complaints than many of its competitors.

Read on for a full Country Financial insurance review and learn more about how it might fit your car insurance needs best. Then, compare quotes to find the best rates possible.

What You Should Know About Country Financial

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 has the financial strength 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.

Is Country Financial car insurance expensive?

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.

How do you make Country Financial payments?

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.

How do you make Country Financial claims?

Like making payments, 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 preferred insurance claims phone number. Whichever option you choose, you should take pictures of any damage done to your car. It would also help to start your claim as soon as possible.

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.

• Bodily injury liability. Bodily injury liability insurance pays for injuries you cause to other drivers, passengers, and pedestrians.
• Property damage liability. As its name suggests, this insurance pays for damage you cause to property you don’t own. It does not cover your car, and most states require a minimum amount.
• Collision. You need collision insurance if you want your policy to cover damage to your car after an accident, no matter who was at fault. It also covers you if you hit a stationary object.
• Comprehensive. When an unexpected event damages your car, you need comprehensive insurance to cover repairs. Comprehensive auto insurance covers damage from weather, fire, floods, hitting an animal, theft, and vandalism.
• Uninsured/underinsured motorist. While every state Country Financial operates in requires insurance, not all drivers follow the law. Uninsured motorist coverage protects you when someone without enough insurance hits you. Some states require this coverage.
• Personal injury protection/medical payments. Healthcare costs get expensive quickly after an accident, but medical payments or personal injury protection (PIP) coverage will pay bills for you and your passengers. Some states require this coverage.

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.

What add-ons does Country Financial sell?

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.

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.

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.

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.

Average Annual Auto Insurance Rates by Demographics

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:

• Advanced quote. Earn this discount by getting a quote with  Country Financial policy before your current plan expires.
• Anti-theft devices. If you install devices like audible alarms or GPS tracking, Country Financial will discount your insurance.
• Engaged couples. You’ll earn a small discount for being engaged if you’re 21 or over.
• Legacy. If you’re unmarried and a parent or guardian has multi-car or multi-policy plans with Country Financial, you’ll receive a discount for your own policy.
• Students. Country Financial offers two student discounts — one discount for good students if you maintain a 3.0 GPA and another for college graduates.
• Bundling. Country Financial sells more than car insurance. You’ll earn a discount if you bundle insurance policies from Country Financial.
• Multi-car. If your household has more than one vehicle, you’ll earn a discount if you insure them on the same policy.
• Safe driver. You can earn this discount by remaining accident and ticket-free for three or more years.
• Defensive driver. Drivers of all ages can earn a defensive driver discount by completing an approved defensive driving class.
• New drivers. Drivers who are 16 or 17 years old and complete a Country Financial driving course will earn a discount on their policy.
• Occupational. Country Financial offers special savings for full-time police officers, firefighters, emergency medical technicians, teachers, and paramedics.

While some of Country Financial’s discounts are relatively common, it offers a few that are hard to find elsewhere.

How Country Financial Ranks 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.

Auto Insurance Average Rates by Provider

As you can see, only State Farm auto insurance has lower average rates than Country Financial. However, these are only averages — you might see different rates when your unique situation is accounted for.