COUNTRY Financial Review: Is It the Right Choice for You?

Established in 1925, COUNTRY Financial offers many insurance and financial products, including auto, home, and life insurance, retirement planning, and college savings. Standout auto insurance features include the DriverIQ Program, which rewards safe driving with discounts, and The Keeper coverage, which replaces new cars totaled in accidents.

COUNTRY Financial also offers substantial discounts for good students, engaged couples, and drivers bundling multiple policies, making its already cheap car insurance even less expensive. No wonder customers rank the company among the best in the country. That said, COUNTRY Financial offers policies in just 19 U.S. states, and Android users have noted difficulties with its mobile app.

We cover everything you need to decide if COUNTRY is your best option.

Is COUNTRY Financial a Good Choice for Auto Insurance?

Yes, COUNTRY Financial is a solid choice for car insurance. We’ve summarized COUNTRY Financial’s performance across five key metrics, each on a scale of one to five. Based on our research, it performs well in every category — as you can see in the table below.

Where COUNTRY Financial stands out

COUNTRY Financial offers low average rates and a unique set of discounts — including the legacy discount, which allows you to pass your discounts on to the next generation. Plus, the company outshines many competitors in customer and claims satisfaction.

Where COUNTRY Financial falls short

COUNTRY’s coverage options have crucial limitations — especially if you want valuable extras like accident forgiveness, custom equipment coverage, or key replacement. You also can’t get pay-per-mile car insurance from COUNTRY Financial.

COUNTRY Financial Reviews: What Real Customers Are Saying

While COUNTRY earns excellent scores from J.D. Power for claims and customer service, online review sites could be more consistent. The company gets a great score on Clearsurance but low scores (and few reviews) on Trustpilot and ConsumerAffairs.

Notably, several longtime customers testify to a kind and attentive customer service team. The customer below has stayed with COUNTRY for five years (and doesn’t plan to switch) because customer service is fast, thorough, and knowledgeable.

The long-term customer in the screenshot below notes that their agent is always quick to help with claims, questions, and emergencies.

But a few recent reviewers complain about sudden price hikes that come without warning or explanation. That was the below customer’s experience — when they called for more information, they were met with unempathetic customer support.

What You Can Expect to Pay for COUNTRY Financial Car Insurance

Although COUNTRY Financial’s average premium is $34 per month, rates vary by coverage level. Liability-only policies are cheaper, covering only injuries or property damage you cause to others. Full coverage, which includes liability, collision, and comprehensive coverage, costs more.

The table below shows COUNTRY’s average monthly rates for liability and full coverage.

You can likely save a lot with COUNTRY. Its average rates are much lower than the national averages of $92 and $176, respectively — but broad averages don’t account for the many factors influencing costs.

We cover several of those factors in later sections.

COUNTRY Financial vs. the Competition

It’s helpful to consider how COUNTRY compares to its closest competitors in terms of cost and other key metrics. Here’s how COUNTRY Financial’s average rates and Compare.com Rating stack up with some of its closest competitors.

Despite its small size, COUNTRY costs less on average than four of the largest insurance companies in the country.

We found that it also outperforms all but State Farm based on its Compare.com Rating. But while State Farm has higher scores for availability, ease of use, and industry reputation, COUNTRY scores significantly higher for customer satisfaction.

Be sure to consider which factors are most important to you when deciding which is the best insurance company.

Breaking Down COUNTRY Financial’s Average Car Insurance Costs

Your driving record is the strongest indicator of potential future claims and significantly affects your insurance costs. Additionally, your credit history affects your rates (in most states), as insurance companies associate poor credit with a higher risk of car accidents.

Let’s examine how COUNTRY Financial rates change based on your driving record.

Our research found that all driver types can likely save on premiums with COUNTRY Financial. The company offers cheaper-than-average rates compared to national averages in each profile outlined above. Interestingly, rates are the same for drivers with clean records, whether they have good or bad credit, suggesting that people working to improve their scores may find a fair deal.

Age and location are other top factors influencing insurance rates, so let’s review those next.

COUNTRY Financial’s Average Rates by Age

Your age has a huge effect on your car insurance rates. The AAA Foundation for Traffic Safety reports that teens and young drivers are more prone to at-fault accidents, leading to higher premiums for that age group. Senior drivers are the least likely to cause accidents and typically enjoy the lowest average rates from insurance companies because of it.

In the table below, we’ve broken down the average rates COUNTRY Financial charges based on your age.

Somewhat surprisingly, COUNTRY’s average rates don’t follow national trends where teens pay the highest rates. Teen drivers pay an average of $36 per month with COUNTRY — slightly less than drivers in their 20s. The insurer offers special deals for teenagers, including discounts for completing the Simply Drive course and a state-approved driver training course.

Rates are lowest for older drivers, especially people in their 70s. Though there aren’t any senior-specific discounts, older drivers can still save significantly with COUNTRY.

COUNTRY Financial’s Average Rates by State

Car insurance rates vary by state due to state regulations, accident rates, crime rates, the percentage of uninsured motorists, and more. Each insurer has a unique way of determining its risk and rates within each state.

For example, most insurers charge more in Georgia — which has expensive claims costs and high uninsured driving rates — than Illinois, which has lower claims losses and uninsured rates, for example.

The table below shows how rates change with COUNTRY Financial based on your state and how each compares to the statewide average.

COUNTRY’s rates are cheaper on average in four out of the five states above. This is why you should consider other factors when evaluating car insurance costs.

COUNTRY Financial Car Insurance Discounts

Car insurance discounts can lower your insurance costs substantially. Keep in mind that savings will vary by insurer and state.

COUNTRY Financial offers the following 12 discounts:

• Advanced quote: Discount for getting a quote before the policy starts.
• Anti-theft: Discount for having anti-theft devices installed in your car.
• College graduate: Discount for recent college graduates.
• Defensive driver: Discount for completing a defensive driving course.
• DriverIQ Program: Save up to 25% for participating in the DriverIQ telematics program.
• Engaged Couple: Discount for engaged couples.
• Good driver: Discount for maintaining a clean driving record.
• Good student: Save up to 35% with this discount if you have a student with good grades.
• Legacy: Pass down your multi-car and multi-policy discounts to unmarried drivers under 25 in your family (whether they live with you or not).
• Multi-car: Discount for insuring multiple cars with the same company.
• Multi-policy: Discount for bundling your auto with another policy, such as life or homeowners insurance, disability income, or a bank account or annuity product of over $1,000.
• Occupation: Save up to 15% with this discount if you belong to specific professions or occupations.

COUNTRY Financial’s Available Auto Insurance Coverages

Nearly every state requires liability insurance, but most insurers offer more coverage for greater protection. COUNTRY Financial offers the following options.

• Bodily injury liability: Covers injuries to others if you’re at fault.
• Property damage liability: Covers damage to others’ property if you’re at fault.
• Collision: Covers your car’s damage from at-fault collisions.
• Comprehensive: Covers non-collision damage to your car, including severe weather, theft, vandalism, and more.
• Medical payments (MedPay) and personal injury protection (PIP): Covers medical expenses for you and your passengers.
• Uninsured/underinsured motorist coverage: Covers your costs if an uninsured/underinsured driver hits you.
• The Keeper: Covers the replacement of new cars if you total yours.
• Emergency roadside assistance: Covers roadside help for breakdowns, flat tires, and more.
• Rental car: Covers rental car costs while yours is in the shop.
• Personal effects coverage: Covers personal items inside your car.
• Windshield replacement: Covers repair or replacement of damaged windshields.
• Umbrella insurance: Provides additional liability coverage beyond your policy limits.

How to Purchase a Car Insurance Policy From COUNTRY Financial

To buy a COUNTRY Financial policy, you can start your quote online, but you’ll need to customize and buy your policy with an agent’s help. I went to the auto homepage to get my policy and clicked “Start a Quote.”

Then, I entered my ZIP code and provided some of my contact and personal information.

I also entered information about my driving history.

Next, I provided more personal information: my address, age, gender, and relationship status, plus additional driving history.

And then, I got my quote, which was lower than I expected — just $75 per month, even though I have a recent speeding ticket on my record.

The quote page was easy to understand. My default coverage limits were high, and my deductibles were low, making my low rate more impressive.

The page also listed my eligible discounts, which included the telematics program, though I hadn’t agreed to participate.

Each coverage option and discount had an information button I could click for further information.

I needed to call customer service to customize the policy or buy it as is. This is a bit cumbersome, but for such a good price, I’d jump through the extra hoop.

As a final note, I wasn’t able to generate my quote with my home address (I used my parents’ address to move forward). There wasn’t an explanation, but a form appeared requesting a phone call.

It’s possible that you’ll meet this roadblock in your quote process, so it’s a good idea to be aware of it.

What to Expect When Filing a Claim With COUNTRY Financial

Submit an auto claim online or over the phone, and COUNTRY Financial will assign you a claims agent and adjuster to handle your claim and reimbursement.

COUNTRY earns high marks from J.D. Power for claims handling, and online customers agree. Customers, like the ones below, talk about the quick and detailed claims process, with COUNTRY handling most of the details.

But I found some reviews, such as the one below, detailing denied claims or a long wait to get their payout — so long it outlasted rental car coverage limits.

More About COUNTRY Financial Insurance

COUNTRY Financial’s other insurance products

COUNTRY Financial offers a large selection of insurance products to protect you, your loved ones, your business, and your property, including the following:

• Motorcycle coverage
• Boat insurance
• Recreational vehicle policies
• Home insurance
• Condo insurance
• Renters insurance
• Landlord insurance
• Life insurance
• Medicare Supplement
• Business coverage
• Business owners policy
• Commercial package policy
• Winery insurance
• Craft brewery policies
• Crop insurance
• Farm, livestock, and country estate policies
• Pet insurance

Work with your COUNTRY Financial insurance agent to learn more about each product and get fully covered.

In addition to insurance, COUNTRY also offers the following financial planning products:

• Personal retirement
• College savings
• Annuities
• Business retirement
• Investment management

DriverIQ Program

COUNTRY’S DriverIQ Program app is part of a usage-based telematics program that provides driving feedback for safer driving and insurance discounts. Enroll to save 10% initially, with up to 25% at renewal based on driving performance. But keep in mind that your premium could go up between initial enrollment and renewal if you don’t earn a discount of 10% or more.

The app measures phone usage, braking, and speeding to evaluate your driving and determine your score — and subsequent discount.

The Keeper

Sometimes called “new-car replacement,” this coverage safeguards new vehicles. Typically, insurers pay only your car’s current market value if an accident severely damages it. But COUNTRY Financial will pay for a new car of the same make and model if it declares your vehicle totaled.

COUNTRY Financial Auto Insurance FAQs

Below are answers to the most common questions people ask about COUNTRY Financial.

Does COUNTRY Financial have cheap car insurance?

Yes, COUNTRY Financial has significantly cheaper rates than the national average. It has cheaper-than-average rates in nearly every state, based on Compare.com data.

Does Country Financial offer other types of insurance?

Yes. COUNTRY Financial offers over a dozen other insurance products and provides financial savings products, such as retirement, investment, and college savings.

Is Country Financial a big insurance company?

No. COUNTRY Financial is a midsized insurance company available in 19 states.

Is COUNTRY Financial the same as Country Mutual Insurance?

Yes. COUNTRY Mutual Insurance Company is part of the larger COUNTRY Financial family.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Rating Methodology:

Compare.com’s mission is to help our readers make more informed decisions about their personal finances. Our editorial staff has crafted a proprietary, objective rating formula — the Compare.com Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers. The score you see referenced in this article is based on several factors, including:

• Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
• Customer satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies, and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
• Ease of use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
• Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
• Industry reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best financial strength rating, BBB accreditation, and other related factors.

Sources:

1. J.D. Power, “2023 U.S. Auto Insurance Study,” accessed June 24, 2024.
2. J.D. Power, “Auto Claims Satisfaction Study,” accessed June 24, 2024.
3. NAIC, “Country Mut Ins Co. National Complaint Index Report,” accessed June 24, 2024.
4. Trustpilot, “COUNTRY Financial,” accessed June 24, 2024.
5. Insurance Information Institute, “A Firm Foundation: How Insurance Supports the Economy,” accessed June 24, 2024.
6. Insurance Information Institute, “Facts + Statistics: Uninsured motorists,” accessed June 24, 2024.
7. AAA Foundation, “Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014-2015,” accessed June 24, 2024.
8. Insurance Institute for Highway Safety (IIHS), “Fatality Facts 2022: Teenagers,” accessed June 24, 2024.
9. BBB Business Profiles, “COUNTRY Financial,” accessed June 24, 2024.