Country Financial Auto Insurance Review 2024
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Country Financial
Discounts
Ease of use
NAIC complaints
Country Financial
Discounts
Ease of use
NAIC complaints
Country Financial earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Started by Illinois farmers, Country Financial has its roots in the Midwest as a farm and crop insurer. Now the company offers a full slate of insurance products for both city and rural dwellers in 19 states.
Besides car, home, life and other insurance policies, the company offers retirement and college savings plans.
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.0 /5 | NerdWallet rating 4.0 /5 | NerdWallet rating 5.0 /5 |
Complaints to NAIC Far fewer than expected | Complaints to NAIC Fewer than expected | Complaints to NAIC Fewer than expected |
Ease of use Below average | Ease of use Above average | Ease of use Above average |
Discounts Average set of discounts | Discounts Average set of discounts | Discounts Average set of discounts |
Bottom line Country Financial has few customer complaints for auto insurance but is available in only 19 states. | Bottom line Chubb insures mostly high-net-worth families and offers a number of policy perks. | Bottom line With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. |
Country Financial auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Country Financial offers the usual auto insurance coverage, including liability, comprehensive and collision policies.
Additional options include:
Safety glass, which waives the comprehensive insurance deductible for glass repairs.
Vehicle rental and trip interruption, which reimburses you up to $800 for a rental car if you can’t drive your vehicle because of damage from a covered accident. You’ll also receive coverage for hotels and meals if the accident occurs more than 100 miles from home. The maximum reimbursement amount varies by state.
Personal effects, which covers up to $800 of belongings such as a laptop or phone if they are stolen from your car. Generally, your home or renters insurance will also cover belongings stolen from your vehicle.
New car replacement, which is designed for newer vehicles up to three model years old, pays for a brand-new car if yours is totaled in an accident or suffers other damage covered under the policy.
Rideshare insurance, which is meant for customers who drive for a rideshare company like Uber or Lyft. This option allows you to have one policy that covers both personal and ridesharing use. Coverage is available only in Oregon.
» MORE: Compare car insurance rates
Auto insurance discounts
You may be able to save with Country Financial by:
Getting a quote before your current policy expires.
Getting married within the year you insure all your vehicles with Country Financial. You and your partner must be at least 21 years old.
Having a car with an alarm or anti-theft device.
Completing a defensive driving course.
Insuring multiple cars and/or having multiple policies with Country Financial.
Not having any tickets or accidents for at least three years.
Meeting Country Financial’s requirements for a good student.
Being a college graduate.
Being an unmarried driver, who is under the age of 25 and has parents who qualify for a multicar and multipolicy discount.
Being a newly licensed driver who completes a Country Financial course. You must be 16 or 17 years old.
Being a full-time teacher, firefighter, police officer, emergency medical technician or paramedic.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Pricing based on tracked driving habits
Country Financial’s DriverIQ app tracks driving behavior like speeding, hard braking and whether you use your phone while driving. You’ll receive a discount for signing up, and you could earn additional savings based on your driving habits when you renew your policy.
Although your driving is tracked, Country Financial won’t raise your rates or cancel your policy based on DriverIQ data.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Country Financial life insurance
Country Financial sells term, whole, and indexed universal life insurance. It also offers no medical exam insurance for both term and whole life, although you may still need to answer questions about your health.
Term life insurance: Coverage from $50,000 to more than $1 million is available for terms of 10, 15, 20 or 30 years.
For no cost, you can add an accelerated death benefit rider that allows you to use part of your death benefit while you’re alive to help with terminal illness expenses.
You can also add extra features to a term life insurance policy for additional cost, including:
Return-of-premium. This add-on refunds the premiums you’ve paid if you’re still living at the end of a 20- or 30-year policy.
Disability waiver-of-premium. This option lets you keep your coverage without paying the premium if you become disabled before age 65.
Child term insurance. You can add up to $50,000 of term life coverage for each of your kids if they are 17 or younger with this rider. Your children will then have the option to convert their coverage to permanent life insurance at age 23 without any additional medical exams.
Insured term rider. This option allows you to customize your policy to provide different coverage limits over the course of the policy term. This gives you extra coverage when you need it for responsibilities like your mortgage or a child's college education.
Whole life insurance: A variety of payment options are available for whole life insurance, including making payments until age 65 or 95, making payments for 10 or 20 years or making one lump-sum payment. Country Financial offers an array of riders for its whole life policies, including an accidental death benefit that pays an extra sum if you die in an accident and a term rider that allows you to add term life coverage to your policy for you or your spouse.
Universal life insurance: Country Financial’s universal life insurance offers permanent coverage if you pay your premiums and don’t cancel the policy. The cash value of these policies is linked to stock market performance. As with term insurance, riders can be added at an additional cost, including a guaranteed insurability rider that allows you to top up your coverage without having to take a medical exam or go through the life insurance underwriting process again. Accelerated benefits are also available at no additional cost.
Complaints
Country Financial had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Country Financial ranked No. 4 out of 24 companies in J.D. Power’s 2023 study on auto insurance claim satisfaction .
More about Country Financial auto insurance
Website: Country Financial’s website gives basic overviews on insurance and the company’s products, and features financial articles and tools. You can also get an insurance quote, find an agent, pay premiums and report claims.
Homeowners and renters insurance from Country Financial
Country Financial offers basic homeowners insurance, as well as an upgraded option. Learn more in our Country Financial home insurance review.
The company also sells renters insurance policies. Read our Country Financial renters insurance review for more information about coverage and discounts.
Other insurance from Country Financial
Other types of insurance from Country Financial include:
Classic car insurance.
Commercial auto insurance.
Recreational vehicle insurance.
All-terrain and motorcycle insurance.
Crop, farm and ranch insurance.
Umbrella insurance.
Boat insurance.
Business insurance.
Condo insurance.
Landlord insurance.
Medicare supplement insurance.
Country Financial also sells pet insurance through a partnership with Crum & Forster Pet Insurance Group.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
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