Country Financial Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Country Financial Insurance Company Score
3 Stars
We award Country Financial a final rating of three out of five stars. The carrier has been around for nearly a century and has a high rating by AM Best. The carrier offers a wide variety of insurance products for individuals and businesses, including specialty insurance. However, coverage is only offered in 19 states.
Country Financial was founded in 1925 and owns Country Life Insurance Company and its subsidiary, Country Investors Life Assurance Company. It has consistently ranked on the Fortune 1000 list, which ranks the 1,000 largest insurance carriers in the U.S. by revenue. In one recent year, Country Financial was also named on Ward's 50 List of Top Performing Life Insurance Companies.
We love Country Financial's long list of coverage options and endorsements, as well as the carrier's affordable auto insurance rates and available discounts. The 24/7 customer service and claims reporting are also major perks.
However, the carrier loses a couple of points for not being accredited by the Better Business Bureau (BBB) and having a "B" rating through the organization, which is lower than many other modern carriers'. Overall, we say go ahead and explore Country Financial's coverages with the help of your independent insurance agent. Just consider exploring a few other options, too.
Country Financial Insurance Company Pros and Cons:
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Country Financial Insurance Products by Type
Country Financial offers a wide variety of insurance coverages, including personal and commercial products. The carrier's catalog includes:
Home & Property Insurance:
- Homeowners insurance
- Renters insurance
- Condo insurance
- Landlord insurance
Vehicle & Auto Insurance:
- Personal auto insurance
- Motorcycle insurance
- Boat insurance
- Recreational vehicle insurance
Business Insurance:
- Professional liability insurance
- Commercial auto insurance
- Data breach insurance
- Garagekeepers liability insurance
- Business owners policy insurance
Farm Insurance:
- Farm insurance
- Crop insurance
- Livestock insurance
- Country estate insurance
Life & Health Insurance:
- Term life insurance
- Whole life insurance
- Indexed universal life insurance
- Medicare supplement insurance
Specialty Insurance:
- Pet insurance
Country Financial Auto Insurance
Country Financial offers all the standard auto insurance coverages you'd expect to find, such as collision, comprehensive, medical payments, personal injury protection, liability, and uninsured/underinsured motorists. The carrier also offers several optional coverage endorsements and enhancements.
Coverage types, features, and benefits:
Emergency roadside assistance
Country Financial offers optional roadside assistance coverage for customers who break down on the side of the road or lock their keys in their vehicles. Coverage can reimburse up to $100 for professional services including towing, fuel, labor, and repairs.
Rental car
Country Financial offers optional rental car coverage for customers who have an accident while away from home. Coverage can reimburse customers up to $800 for a rental car. Customers who are more than 100 miles from home at the time of the accident can also receive reimbursement for lodging, meals, and transportation services.
Personal effects
Country Financial offers optional personal effects coverage, which can reimburse customers who have personal belongings, such as laptops or phones, stolen from their vehicles. Coverage limits are capped at $800.
Windshield replacement
Country Financial also offers optional windshield replacement coverage, which can pay to repair or replace a customer's windshield after a covered incident. Having this optional coverage allows customers to skip paying their comprehensive insurance deductible for related claims.
Country Financial Auto Insurance Average Prices
Country Financial's auto insurance rates are quite affordable compared to the national average. For example, for a liability-only policy, Country Financial's average annual premium is just $52 per month or $623 per year. The current national average rate is $772 per year, meaning Country Financial customers save an average of 19%.
For a full coverage auto insurance policy, Country Financial's average annual premium is $133 per month or $1,600 per year. The current national average rate is $1,970 per year. Again, Country Financial customers save about 19% in comparison. Here's an overview of some of Country Financial's average car insurance rates for drivers with previous incidents on their records.
Country Financial Average Car Insurance Prices for Drivers with Prior Incidents
| Policyholder Driving Record/Incident | Country Financial Annual Policy Premium | U.S. Average Annual Premium |
|---|---|---|
| No incidents | $1,600 | $1,970 |
| 1 speeding ticket | $2,114 | $2,427 |
| 1 at-fault accident | $2,336 | $2,930 |
| 1 DUI | $2,459 | $3,626 |
With Country Financial, drivers can save an average of 32% on car insurance if they have a DUI on record. Drivers with an at-fault accident on record can save an average of 20% compared to the national average.
What Discounts Does Country Financial Offer?
Fortunately for car insurance customers, Country Financial offers a handful of discounts on its coverage. These discounts include:
- Multi-policy discount: Offered to customers who purchase multiple types of coverage, such as home and auto, through Country Financial.
- Multi-car discount: Offered to customers who insure more than one car through the carrier.
- Good student discount: Offered to students who maintain a “B” average or higher.
- Occupation discount: Offered to a variety of workers, including firefighters, police officers, EMTs, paramedics, and full-time K-12 teachers.
- Advanced quote discount: Offered to customers who get a quote for an auto insurance policy from Country Financial before their current policy expires.
- College graduate discount: Offered to customers who have an insured recent college graduate on their policy.
- Engaged couple: Offered to customers who are engaged and over age 21.
- Good driver discount: Offered to customers who remain accident and traffic-violation-free for at least three years.
An independent insurance agent can provide better discount information and premium quotes for coverage through Country Financial. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Country Financial Customer Service
Country Financial offers 24/7 claims and customer service to its customers. The carrier provides the following customer service options:
- Phone
- Online claims reporting
- Snail mail
- Mobile app
- Online contact form
- Customer service and claims reporting phone departments are available 24/7
| Days | Hours | ||
| Monday-Sunday | 24/7 |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
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Country Financial Insurance FAQs
Country Financial does not provide an official claims response time frame promise. The carrier’s official website simply states that a representative will reach out to a customer "shortly" after filing a claim online. The carrier does state that if a customer files a claim via the online form, it can take up to two days for it to be processed.
Country Financial provides 24/7 customer service availability by phone or online. Customers can file claims, make payments, check claim status, and handle any concerns at any time.
Country Financial briefly states that customers will file a claim and then be assigned a claims representative to follow up with them. Next, the damage my be inspected by an adjuster. Finally, the claim rep will contact the customer to settle the claim.
Country Financial's official website is polished and extremely easy to navigate. Prospective and existing customers alike can easily find important information on the website, which provides options to find insurance representatives, get quotes, and file claims.
The carrier also has an active presence on social media, including Facebook, YouTube, LinkedIn, and Instagram, making it even more accessible to customers. A mobile app is also available for smartphone users. Overall, Country Financial provides a highly user-friendly experience for customers.
Country Financial offers a large catalog of insurance solutions for individuals and businesses and has a high rating for financial strength from AM Best. However, coverage is only available in 19 states and the carrier has a lower BBB rating than many others. So, it may be up to individual interpretation as to whether Country Financial can be considered a good insurance company.
Country Financial offers affordable auto insurance with all the standard coverage options. Many additional coverages are also available, including windshield replacement and rental car coverage.
Country Financial's insurance products may be right for individuals and businesses located in the 19 states in which coverage is available. In particular, customers in search of affordable auto insurance may find the product they're seeking from Country Financial.
A full coverage auto insurance policy from Country Financial costs about $1,600 annually. This is considerably cheaper than the current national average of $1,970 per year.
https://www.countryfinancial.com/en.html
https://news.ambest.com/newscontent.aspx?refnum=162812&altsrc=23
https://www.bbb.org/us/il/bloomington/profile/insurance-companies/country-financial-0724-4000012
https://www.lendingtree.com/insurance/country-financial-insurance-review/