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.
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.
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.
How COUNTRY Financial’s rates compare to competitors
COUNTRY Financial offers some of the most affordable rates. Drivers pay average premiums of $60 per month for full coverage and $34 per month for liability only.
For comparison, competitors American Family and Erie offer liability insurance for $77 and $86 per month, respectively.
The table below compares COUNTRY Financial’s full-coverage rates to its competitors.
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.
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.
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
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.
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:
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.
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 $60 per month for full coverage and $34 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.
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 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 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.
)
)
)
)
)
)
)
)
)