Review
Updated
This auto insurer is a good fit for: Anyone who puts a strong emphasis on customer service and wants a competitive rate. Dive into our full Country Financial auto insurance review below to find out more.
Best for competitive rates and strong customer serviceCountry Financial
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Country Financial car insurance snapshot
Pricing
Country Financial's auto insurance premiums fall slightly below the national average for most drivers. Young drivers, especially those qualifying for its teen-oriented discounts, can score an especially competitive rate.
Discounts
The company offers a long list of discounts, many of which are pretty easy to achieve. There are also a few unique discounts that drivers won't find with any of Country Financial's competitors.
Perks
Country Financial offers all the standard auto insurance benefits a driver would expect as well as a few optional protections. But if there's a weak point in the company's offerings, this would be it. If it added common endorsements, like gap and rideshare coverage, it would truly be among the best options around.
Customer service
There isn't a ton of data on how Country Financial treats its customers, but everything available suggests most people are happy with the service they receive. The insurer has also had relatively few complaints filed against it.
Full Country Financial auto insurance review
Pros
- Great customer service
- Affordable rates for young drivers
- Good variety of car insurance discounts
Cons
- Only available in 19 states
- Missing some popular coverage options
Country Financial auto insurance costs at a glance
Monthly premium costs:
- 35-year-old female with clean driving record: $145.25
- 35-year-old male with clean driving record: $146.50
- 35-year-old female with one accident: $198.00
- 18-year-old male with clean driving record: $238.75
Coverage options:
- Bodily injury liability
- Property damage liability
- Uninsured motorist
- Underinsured motorist
- Personal injury protection
- Medical payments
- Collision
- Comprehensive
- New car replacement
- Roadside assistance
- Rental car
- Trip interruption
- Personal effects
- Safety glass
Top perks
Great customer service
Country Financial received high ratings in J.D. Power's latest U.S. Auto Insurance Satisfaction survey. It also has a below-average complaint ratio with the National Association of Insurance Commissioners (NAIC). This suggests most of its customers are satisfied with the service they receive.
Affordable rates for young drivers
The average 18-year-old driver with a clean record pays about $6,087 per year for auto insurance in 2022. But Country Financial's average rate for these drivers is just $2,865 per year. The company also offers several car insurance discounts targeted at teens to help them save even more, including its good student and Simply Drive® discounts. The latter is a discount available to newly licensed drivers who complete Country Financial's Simply Drive® course.
Good variety of car insurance discounts
Country Financial has a long list of car insurance discounts. Some of them, like the engaged couple discount, are unique among the industry. There's also a Legacy discount that gives unmarried drivers under 25 years old a discount if their parents qualify for a multi-car and multi-policy discount. Plus, there are all the basics, like good driver, anti-theft device, and advanced auto insurance quote discounts.
What could be improved
Only available in 19 states
Country Financial auto insurance is currently only available in 19 states. Drivers who don't live in one of these states will have to explore other options.
Missing some popular coverage options
Country Financial offers all the basic car insurance coverages. But it's missing popular add-ons, like gap coverage and rideshare insurance. Drivers who are interested in these will have to get quotes from some other insurers.
Alternatives to consider
2024 Award Winner
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
2024 Award Winner
Best for low-mileage driversAllstate
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
When looking for an insurer that offers great customer service in all states: State Farm is a well-known insurer that offers nationwide coverage. It's fared pretty well in customer satisfaction surveys and it also offers drivers plenty of opportunities to customize their policies.
When looking for an insurer that offers more protections: Allstate offers flexible policies with plenty of optional endorsements so drivers can customize them as they see fit. Options include gap coverage, rideshare insurance, accident forgiveness, and more. Allstate car insurance is also available in all 50 states.
Monthly premium costs
Country Financial's auto insurance premiums tend to be cheaper than the national average. This is especially true for teen drivers, who pay less than half the national average rate with Country Financial.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $145.25 | $146.50 | $198.00 | $238.75 |
Source: The Ascent's analysis of standardized personas
Discounts available
Country Financial offers a plethora of car insurance discounts, including some unique options. Many of its discounts are easy to achieve, and those who qualify for more than one could shave quite a bit off their auto insurance premiums.
- Multi-policy
- Multi-car
- Legacy
- Engaged couple
- Occupation
- Good student
- College graduate
- Good driver
- Simply Drive®
- Defensive driver
- Anti-theft device
- Advanced quote
Coverage options
Policy types
- Car
- Motorcycle
- Boat
- Recreational vehicle (RV)
Country Financial offers most of the basic types of vehicle insurance. But those looking for coverage for ATVs, UTVs, or classic cars will have to explore other options.
Coverage types
- Bodily injury liability
- Property damage liability
- Uninsured motorist
- Underinsured motorist
- Personal injury protection
- Medical payments
- Collision
- Comprehensive
- New car replacement
- Roadside assistance
- Rental car
- Trip interruption
- Personal effects
- Safety glass
Country Financial offers all the standard car insurance coverage options required by law, as well as many common optional protections, like collision and comprehensive insurance. There's also a few rare extras, like personal effects coverage, that many other insurers don't offer. But Country Financial is also missing some common protections, like gap and rideshare coverage.
Customer service and ratings
Country Financial only appears in the J.D. Power U.S. Auto Insurance Satisfaction Study for the North Central region, but it took third place, scoring well above the regional average. While it would be nice to see how it measures up in some of the other regions it serves, it's reasonable to assume it would earn similarly high marks.
The company also has a National Association of Insurance Commissioners (NAIC) complaint ratio that's well below the national average. This suggests that few people are dissatisfied with the support they've received from the company.
Country Financial is best for:
Country Financial is a great fit for:
- People who value great customer service
- Young drivers looking to score a great rate
But drivers who don't live in Country Financial's service area may want to check out State Farm, while those seeking more optional coverages may prefer Allstate.
Our Insurance Expert
Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
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Kailey Hagen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Target. The Motley Fool has a disclosure policy.