Review
Updated
Fact Checked
Ashley Maready
Country Financial is a great choice for those seeking comprehensive auto insurance policies at a price that's easy on the wallet. In addition to offering all the important vehicle protections, the company's claims handling is among the best in the industry. Read our full Country Financial auto insurance review to learn 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 offers comprehensive coverage at affordable rates for most drivers. Its unique discounts help keep rates down and its strong claims satisfaction ratings keep customers loyal. But those seeking certain optional protections, like gap coverage, may have to go elsewhere.
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
Stand-Out Coverage Options
- The Keeper®, which is the company's new car replacement coverage
- Personal effects coverage, which pays for personal items stolen from the policyholder's car up to $800
Full Country Financial auto insurance review
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 |
|---|---|---|---|
| $130.42 | $133.17 | $181.92 | $219.92 |
Data source: The Ascent's analysis of standardized personas.
Cost comparison
Country Financial auto insurance offers pretty affordable rates for most drivers. Teens and those with clean records can find especially good deals here. The following table shows how the insurer's average annual premiums stack up to the nation as a whole.
| Country Financial Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $1,582 | $2,389 |
| Accident on Record | $2,183 | $3,370 |
| Speeding Ticket on Record | $2,116 | $3,032 |
| DUI on Record | $2,492 | $4,380 |
| 18 Years OId - New Driver | $2,639 | $6,291 |
| 65 Years Old - Senior | $1,379 | $2,140 |
| Military Service | $1,598 | $2,375 |
| Minimum Coverage (Liability Only) | $510 | $787 |
Data source: The Ascent's analysis of standardized personas.
Discounts
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.
- Advanced quote
- Anti-theft device
- College graduate
- Defensive driver
- Driver IQ® program discount
- Engaged couple
- Good driver
- Good student
- Legacy
- Multi-car
- Multi-policy
- Occupation
- Simply Drive®
Coverage
Policy types
- Boat
- Car
- Motorcycle
- 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
- Collision
- Comprehensive
- Emergency roadside assistance
- Medical payments
- Personal effects
- Personal injury protection
- Property damage liability
- Rental car
- The Keeper®
- Umbrella liability
- Underinsured motorist
- Uninsured motorist
- Windshield replacement
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 ride-hailing coverage.
Customer service and ratings
Country Financial only appears in the J.D. Power U.S. Auto Insurance Study for the North Central region, where it scored just above the regional average. However, its score in the U.S. Auto Claims Satisfaction Study was much higher. It beat out several better-known insurers to take the fourth place spot.
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.
Other insurance available
- Country Financial homeowners insurance
- Country Financial condo insurance
- Country Financial renters insurance
- Country Financial life insurance
- Country Financial Medicare supplement insurance
- Country Financial business insurance
- Country Financial crop insurance
- Country Financial farm insurance
- Country Financial pet insurance
Country Financial has a diverse range of insurance offerings, including rare policy types like crop and farm insurance. It's definitely worth considering for those hoping to get all their insurance in one place.
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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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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= 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, ride-hailing insurance, accident forgiveness, and more. Allstate car insurance is also available in all 50 states.
Country Financial auto insurance summary
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 coverage may prefer Allstate.
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Review sources
- https://www.countryfinancial.com/en/about-us/who-we-are.html
- https://www.countryfinancial.com/en/insurance/auto/car/discounts.html
- https://www.countryfinancial.com/en/insurance.html
- https://www.countryfinancial.com/en/insurance/auto/car/coverages.html
- https://www.jdpower.com/business/press-releases/2023-us-auto-insurance-study
- https://www.jdpower.com/business/press-releases/2023-us-auto-claims-satisfaction-study
- https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=20990&:refresh
Our auto insurance rating methodology
At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
Our Insurance Experts
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.
Fact Checked
Ashley Maready
Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.
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