Country Financial Auto Insurance Review for 2024 (See if They’re a Good Fit)

Country Financial auto insurance review highlights why this company excels with its robust financial standing and impressive customer satisfaction scores. Earning an A+ rating from A.M. Best, ensures policyholders receive reliable claims support.

The company’s offerings include a variety of essential coverage options tailored to meet diverse needs, along with customizable add-ons for additional protection.

Customers benefit from competitive discounts, especially young drivers, making it a top choice for those seeking affordable insurance. Get detailed insights in our guide, “Best Auto Insurance Companies.”

Country Financial Auto Insurance Rating

Get the best auto insurance rates possible by entering your ZIP code above into our free comparison tool today.

Understanding Country Financial: What You Need to Know

Generally speaking, Country Financial is considered a good insurance company. One of the best ways to decide if a company is right for you is to look at third-party ratings. For example, Country Financial’s A.M. Best rating is an A+, which means it is financially strong enough to pay claims.

Country Financial also receives a solid score from the National Association of Insurance Commissioners (NAIC), which ranks companies on how many complaints they receive. The national average is 1.0 — anything lower means the company receives fewer complaints. Country Financial insurance complaints rate 0.63, meaning it has nearly half the number of complaints as other companies.

Finally, J.D. Power collects data on customer satisfaction and gives companies a score of 1000. The national average for companies is 839 — Country Financial scored 850. Find out more in our guide titled, “How to Evaluate Auto Insurance Quotes.”

Evaluating the Cost of Country Financial Car Insurance

Country Financial’s rates tend to be less expensive than other companies, with the average full coverage policy costing $149 a month and minimum insurance $43 per month.

Of course, the rates you see will depend on a variety of factors unique to you. Country Financial does fairly well with most demographics, but rates are especially low for car insurance for drivers under 25.

Country Financial Payment Options Explained

Like many other insurance companies, there are several ways to pay for Country Financial policies. You can make payments on the mobile app or through the website. You can also call the customer service phone number or speak with a local agent.

Navigating the Claims Process With Country Financial

For example, making payments and filing a car insurance claim with Country Financial is easy. Most customers prefer to use the website or mobile app, but you can also call the Country’s preferred insurance claims phone number. Whichever option you choose, you should take pictures of any damage done to your car. It would also help you start your claim as soon as possible.

Country Financial Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Country Financial provides varying auto insurance rates based on the coverage level, age, and gender of the policyholder. These rates are designed to accommodate different needs and budgets, making it a flexible option for a wide range of drivers.

Country Financial Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

The table below breaks down the monthly premiums for Country Financial auto insurance, including comprehensive auto insurance coverage, by gender and age. Younger drivers, particularly males, tend to have higher premiums due to increased risk factors.

For instance, a 16-year-old male pays $29 for minimum coverage and $160 for full coverage auto insurance, while a 30-year-old male pays as low as $15 for minimum and $118 for full coverage. Female drivers generally benefit from slightly lower rates, reflecting statistically safer driving records.

These variations underline how Country Financial tailors its rates to match the risk profile of different demographic groups, ensuring fair and competitive pricing for all customers.

Country Financial Insurance Coverage Options

There are two main types of insurance needs — minimum and full coverage. Minimum insurance refers to the least amount of coverage you can buy and still be legally able to drive or register a car.

Full coverage offers better protection for your vehicle but costs much more. Full coverage is never required by law, but you might need it if you have a car loan or lease. Country Financial sells everything you need to meet these needs, including the following insurance types.

Country Financial Auto Insurance Coverage Options

These are the basic coverage options you can find at most insurance companies. If you’re interested in more options to customize your coverage, Country Financial has a few choices. However, you might need to look elsewhere if an extensive list of add-ons is important to you.

Investigating Country Financial’s Add-Ons

Country auto insurance has a few customization options, but you’ll find more choices at other companies. However, there are still a few valuable choices to pick from.

• The Keeper: Country Financial will pay for a brand-new car of the same make and model rather than reimburse you for your vehicle’s current value. Only cars four years old or younger are eligible for this coverage.
• Roadside Assistance: Country Financial roadside assistance will come to the rescue when you’re stranded on the side of the road or locked yourself out. This add-on covers up to $100 for fuel delivery, towing, basic repairs, and locksmith services.
• Trip Interruption: If you get into an accident more than 100 miles from home, Country Financial will reimburse you up to $800 for a rental car, lodging, and meals.
• Personal Effects: Country Financial covers up to $800 of personal items if they are stolen or damaged in a claim.
• Safety Glass: This add-on allows you to skip your comprehensive deductible if your windshield, windows, or headlight covers need to be repaired.

Availability of these add-ons varies by state, so check with a representative before you sign up for them. Additionally, you should only buy what you need — add-ons can significantly increase your rates.

Country Financial Insurance Rates Breakdown

Country insurance quotes are often some of the cheapest on the market, with only a few companies offering lower average rates. In particular, young drivers can find affordable coverage with Country Financial. While insurance companies look at the same factors, they emphasize each one differently. Check below to see how Country Financial compares to other companies for various demographics.

Country Financial Full Coverage Auto Insurance Monthly Rates vs. Competitors

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 20 Female	Age: 20 Male	Age: 30 Female	Age: 30 Male	Age: 40 Female	Age: 40 Male	Age: 50 Female	Age: 50 Male
	$608	$638	$410	$430	$190	$195	$180	$185	$170	$175
	$414	$509	$280	$290	$160	$165	$150	$155	$140	$145
	$350	$360	$240	$250	$130	$135	$120	$125	$110	$115
	$810	$773	$450	$470	$230	$235	$220	$225	$210	$215
	$298	$312	$220	$230	$120	$125	$110	$115	$100	$105
	$723	$785	$440	$460	$220	$225	$210	$215	$200	$205
	$411	$476	$300	$310	$150	$155	$140	$145	$130	$135
	$801	$814	$420	$440	$210	$215	$200	$205	$190	$195
	$311	$349	$230	$240	$140	$145	$130	$135	$120	$125
	$719	$910	$430	$450	$210	$215	$200	$205	$190	$195

Insurance companies look at a variety of factors when determining how much to charge for coverage. Factors that affect car insurance rates vary by company but typically include your age, gender, location, driving record, credit score, and the make and model of your car.

Country Financial Minimum Coverage Auto Insurance Monthly Rates vs. Competitors

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 20 Female	Age: 20 Male	Age: 30 Female	Age: 30 Male	Age: 40 Female	Age: 40 Male	Age: 50 Female	Age: 50 Male
	$244	$255	$164	$172	$76	$78	$72	$74	$68	$70
	$166	$204	$112	$116	$64	$66	$60	$62	$56	$58
	$140	$144	$96	$100	$52	$54	$48	$50	$44	$46
	$324	$309	$180	$188	$92	$94	$88	$90	$84	$86
	$119	$125	$88	$92	$48	$50	$44	$46	$40	$42
	$289	$314	$176	$184	$88	$90	$84	$86	$80	$82
	$164	$190	$120	$124	$60	$62	$56	$58	$52	$54
	$320	$326	$168	$176	$84	$86	$80	$82	$76	$78
	$124	$140	$92	$96	$56	$58	$52	$54	$48	$50
	$288	$364	$172	$180	$84	$86	$80	$82	$76	$78

As you can see, Country Financial often offers the lowest rates, regardless of your situation. However, it’s still important to compare quotes with as many companies as possible since there’s no way of knowing who has the lowest rates for you without a personalized price.

Country Financial Discounts Available

Country Financial doesn’t offer the longest list of insurance options, but it does much better with its discounts. Companies offer discounts to their customers to help them save money, and it’s important to find a company with several options for you to take advantage of. Country Financial offers the following discounts:

Top Country Financial Auto Insurance Discounts by Savings Potential

While some of Country Financial’s discounts are relatively common, it offers a few that are hard to find elsewhere. See how you can save on insurance in our guide, “Best Auto Insurance Discounts.”

Read more: Best Good Student Auto Insurance Discounts

Country Financial Rankings Among Providers

Compared to other major companies, Country Financial usually offers lower rates. Country Financial’s full coverage rates are 29% cheaper than the average, while its minimum coverage rates can be up to 33% cheaper. Check below to see how Country Financial compares to some of its largest competitors.

State Farm auto insurance (refer to our “State Farm Auto Insurance Review” for further details) has lower average rates than Country Financial. However, these are only averages — you might see different rates when your unique situation is accounted for.

Country Financial Life Insurance stands as a well-established provider, offering a diverse range of policies that cater to individual needs. With a solid financial foundation and years of experience, it remains a strong option for comprehensive life insurance solutions.

Country Financial Life Insurance Company Overview Table

Country Financial is still successful because it offers dependable life insurance protection with outstanding financial stability. Its focus on term and whole-life policies ensures tailored protection for customers seeking peace of mind.

Country Financial Car Insurance: Pros and Cons Breakdown

Country Financial Car Insurance offers several advantages for drivers looking for reliable coverage. With affordable rates and customizable policies, the company stands out as a trusted option in the auto insurance industry.

• Customized Coverage: Offers personalized car insurance policies to meet individual driver needs.
• Competitive Rates: Car insurance plans are priced lower than many competitors, providing cost-effective coverage.
• Responsive Customer Support: Support is readily accessible, with a reputation for strong service.
• Variety of Products: Besides car insurance, the company provides a wide range of other insurance coverages.

These benefits make Country Financial a strong contender for drivers seeking affordable, customized auto insurance.

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— COUNTRY Financial (@hellocountry) July 24, 2023

However, Country Financial does have some drawbacks. Certain limitations may deter customers, particularly those looking for broader availability or modern tech features.

• Limited Options: The range of car insurance policies is more restricted compared to larger companies.
• Not Available Everywhere: Country Financial doesn’t operate in all states, limiting access for some drivers.
• Low App Ratings: The mobile app has received poor reviews, which may reduce convenience for tech-savvy customers.

Despite these disadvantages, Country Financial remains a solid option for those prioritizing personalized service and affordable premiums over digital convenience. Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.