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COUNTRY Financial auto insurance review 2021

Fact-checked with HomeInsurance.com

COUNTRY Financial is one of the highest-rated car insurance companies in the country. Founded in 1925, COUNTRY insurance reviews from customers are largely positive. The carrier is best for younger drivers just starting out who are in search of affordable auto insurance coverage.

Carrier quick points

  • Average full coverage premium: $1,541
  • Region offered: 19 states
  • Market share: 1.49%
  • AM Best rating: A+ (Superior)
  • 2020 J.D. Power auto satisfaction rating: 840/1,000 
  • Specialty coverages: Pet insurance, recreational vehicles, boats

COUNTRY Financial provides car insurance to residents of the following states:

  • Alabama
  • Alaska
  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nevada
  • North Dakota
  • Oklahoma
  • Oregon
  • Tennessee
  • Washington
  • Wisconsin

COUNTRY Financial customer satisfaction and complaints

COUNTRY Financial earned a high 2020 J.D. Power rating for overall customer satisfaction. J.D. Power evaluated COUNTRY Financial reviews from customers on the insurance-buying process and products offered. COUNTRY Financial ranked as number five for the North Central region with a score of 840 out of 1,000. In addition, COUNTRY Financial claims reviews are also positive. In the 2020 Auto Claims Satisfaction Study, the carrier scored 863 out of 1,000, placing it as number 16 out of 25 of the largest insurance companies nationwide when it comes to the claims process.

How factors affect COUNTRY Financial’s auto insurance rates

COUNTRY insurance reviews mention that many customers are happy with the service they receive for the price they pay. There are two types of car insurance rates — minimum liability coverage, which is the cheapest, and full coverage, which offers additional protection at a higher cost. However, changes to your driver profile could affect your premiums. Take a closer look at how your average annual full coverage rate may be impacted.

Average rateAccidentSpeeding ticketPoor credit
$1,541$1,949$1,968$2,308

Quadrant Information Services, 2020

How driving record affects COUNTRY Financial car insurance rates 

Accidents

Having an accident can raise your car insurance premiums an average of $408 since COUNTRY Financial will have to pay for the damages and injuries due to the claim. If you were not at fault in the accident, you might not see an increase in your premiums. COUNTRY Financial does not provide policyholders with accident forgiveness. Therefore, driving safely and defensively is the best way to keep your premiums down.

Speeding ticket

Your car insurance will likely increase if you get a speeding ticket. COUNTRY Financial finds speeders to be high-risk drivers who may be more likely to cause a serious accident. If you tend to get speeding tickets, you may want to change your driving habits to avoid the high cost of car insurance increases.

Poor credit

Individuals with poor credit are considered higher-risk drivers. Car insurance companies often check your credit during the process of getting a quote and starting a policy. Having a history of bankruptcies, unpaid bills or judgements sets off red flags with insurance companies. 

If your credit score is low, you may pay around $767 more than the average premium for COUNTRY Financial car insurance each year. Taking steps to improve your credit could save you considerable money. 

COUNTRY Financial auto insurance discounts

COUNTRY Financial has a variety of auto discounts. Some of the more common discounts provide savings for equipping your car with an alarm and being a good driver or good student. The carrier also has more creative ways you may be able to save on your auto insurance.

Unique discounts offered by COUNTRY Financial 

Engaged couple discount

Engaged couples over 21 years old who plan on tying the knot in the next year can save up to 25% on their vehicle coverage. The savings can free up some cash to pay for the honeymoon or save for a downpayment on a first home.

Simply Drive® discount

Young drivers ages 16 or 17 can sign up for the Simply Drive online course. Once they complete the course, they’ll receive a certificate which can be presented to a representative to start earning up to 10% off their premiums.

COUNTRY Financial auto insurance premium length

The carrier’s standard auto insurance term is one year. Some policyholders prefer shorter commitments, but all carriers must legally give you the option to cancel your car insurance early. In most cases, you’ll need to notify the insurer in writing and you’ll get a refund for the unused portion of the premium you paid.

Some carriers offer shorter terms of six months, but there are drawbacks to a shorter policy term. You may lose your discounts before each renewal. In addition, your car insurance may be reviewed and go up at renewal. Why risk a review twice per year?

COUNTRY Financial vs. other insurance companies

Company2020 J.D. Power Score
(North Central region)
AM BestAverage rate full coverage
COUNTRY Financial840/1,000 A+ (Superior) $1,541
AAANot Rated A+$1,948
Allstate830/1,000 A+$1,896
American Family827/1,000 A$1,218
AmicaNot Rated A+$1,449
Auto Owners845/1,000 A++$1,308
Erie846/1,000A+$1,141
Farmers831/1,000B++$1,540
GEICO851/1,000A++$1,260
MetLifeNot RatedA+$1,923
Nationwide828/1,000A+$1,533

Quadrant Information Services, 2020

COUNTRY Financial mobile app and digital experience

If you purchase a policy with COUNTRY Financial, you’ll be able to manage the bulk of your insurance needs online or through the mobile app. Some of the top features of the app, available for Android and iOS users, include:

  • Filing a claim
  • Viewing the status of a claim
  • Managing your policy 
  • Paying bills
  • Viewing your insurance ID card
  • Requesting roadside assistance
  • Speaking direclty with a representative

Alternative insurance products offered by COUNTRY Financial

ProductDiscountsJ.D. Power rating
CarAdvanced quoteEngaged coupleGood driverGood studentLegacyMulticarSimply Drive®Vocational (educators and frontline workers)840/1,000
HomeAge of dwelling and wiringAlarm systemMulti-policyNew roofSafe heat855/1,000
LifeN/ANot Rated

In the spotlight 

  • COUNTRY Financial ranks high in customer satisfaction and the claims process
  • Teen drivers can earn significant savings when they sign up for Simply Drive®
  • The mobile app is one of the few car insurance apps that allow you to file a claim

COUNTRY Financial’s community involvement is strong, particularly when it comes to military and women’s causes. Employees are organized into Resource Groups to work together to volunteer their time and knowledge to causes they’re interested in. Interns regularly volunteer on IMPACT Day.

Methodology

Coverage utilizes Quadrant Information Services to analyze quoted rates from thousands of ZIP codes across all 50 states and the District of Columbia, using COUNTRY Financial’s premiums written. Quoted rates are based around the profiles of a 30-year-old male and female with clean driving records, good credit and the following full coverage details:

  • $100k bodily injury liability per person
  • $300k bodily injury liability coverage per crash
  • $100k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

Cynthia Paez Bowman

Writer

Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.

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