Country Financial Insurance Review: Is It a Good Insurance Company?
ValuePenguin gives Country Financial a rating of 4/5 stars. It's a great, affordable option for car insurance, but its home coverage is pricey, with less reliable customer service.
Find Cheap Car Insurance Quotes in Your Area
Get Country Financial if:
- You want cheap car insurance
- You value customer service
- You would like to work with a local agent
Skip Country Financial if:
- You want affordable home insurance
- You want to buy your coverage online
Overall ValuePenguin rating: 3.8/5
Rating breakdown | |
|---|---|
| Price | 2.5/5
Star Fill
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| Coverage | 5/5
Star Fill
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| Customer service | 4.2/5
Star Fill
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| Unique value | 2.5/5
Star Fill
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If you live in one of the 19 states where you can get Country Financial insurance, you'll have to work with a local agent.
It might be worth calling and speaking with several agents if you are getting multiple kinds of coverage. You likely won't get cheaper rates, but you can get a feel for a person who might be the one helping you through a challenging moment when you have to use your coverage.
Country Financial pros and cons
Pros
- Affordable car insurance
- Good overall customer service
- Lots of coverage options
- Local agents can give personalized advice
Cons
- Home insurance is expensive
- Some issues with home insurance satisfaction
- Only an option in 19 states
Country Financial car insurance review
Country Financial is a good option for car insurance for most people.
The company has cheaper-than-average rates, with a nice set of extra coverage options and a long list of potential discounts. Its customer service is well-rated too, but you will have to work with an agent to get your policy in place.
ValuePenguin rating: Country Financial car insurance:
Rating breakdown | |
|---|---|
| Price | 5.0/5
Star Fill
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| Coverage | 5.0/5
Star Fill
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| Customer service | 5.0/5
Star Fill
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| Unique value | 5.0/5
Star Fill
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Country Financial car insurance cost
Country Financial's average rate of $162 per month for full coverage is 22% cheaper than the national average.
- Country Financial isn't as good a deal for minimum coverage, but it's still 7% cheaper than the average rate across the country.
- In states where it's available, Country Financial is often one of the more affordable options, and it's often cheaper than many other companies after a ticket or accident, or for teens.
Find Cheap Car Insurance Quotes in Your Area
Country Financial auto quotes vs. competitors
Company | Minimum cov. | Full cov. | |
|---|---|---|---|
| Erie | $53 | $154 | |
| Country Financial | $71 | $162 | |
| Travelers | $68 | $173 | |
| Geico | $65 | $187 | |
| State Farm | $73 | $192 | |
| Progressive | $75 | $207 | |
| Nationwide | $107 | $265 | |
| Allstate | $113 | $282 | |
| Farmers | $107 | $293 | |
| USAA* | $41 | $125 | |
*USAA is only available to military members, veterans and their families.
Country Financial is one of the cheaper companies for young drivers, drivers with poor credit and those with a ticket or accident on their record.
However, the company is more expensive than average if you've got a DUI. In that case, you should look around at other companies.
Rates for teens
$321/mo
$599/mo
Rates after a ticket
$207/mo
$258/mo
Rates for DUIs
$520/mo
$391/mo
Rates after an accident
$227/mo
$310/mo
Rates for poor credit
$242/mo
$412/mo
Country Financial car insurance discounts
Country Financial offers a relatively full list of popular discounts, and a few unusual smaller ones, such as allowing parents to pass down discounts to their children and offering a discount to engaged couples.
If you have multicar and multipolicy discounts, you can potentially pass them down to unmarried drivers younger than 25 in your family.
Install an alarm or anti-theft device, and you can lower your cost for comprehensive coverage.
If you take a defensive driving course that's approved by your state, you could get a break on rates. But it's a good idea to check with your agent about which courses you should take.
You'll get a break on rates if you go three years or more without a ticket or accident.
Have at least two cars covered by Country Financial.
You could get a cheaper rate if you meet a few key criteria:
- You're an engaged couple
- You have a wedding date set within the next year
- Both of you are between age 21 and 29
- Both of your cars are covered by Country Financial
If you get both home and auto coverage from Country Financial, you'll get a lower price.
You can get lower rates if you're a first responder or teacher. Groups that can get discounts include:
- Firefighters
- Police officers
- EMTs
- Paramedics
- Full-time K-12 teachers
A student with at least a B average can get a discount of up to 35% on car insurance. Recent college grads younger than 25 can get a discount if they send Country Financial a transcript or diploma.
If you get your quote before your previous policy expires, you'll get a discount on your Country Financial coverage.
Simply Drive course discount
Teen drivers can save up to 10% on their rates by taking Country Financial's Simply Drive, which is an online driving safety course.
Drivers need to be:
- Licensed and age 16 or 17
- Unmarried
- Those with a clean driving record with no at-fault accidents or moving violations
You can get the discount by having your teen driver complete the course, printing and completing the participation agreement, and meeting with a Country Financial representative to finish the final details. The discount will stay in place until after the teen driver turns 21 or they have a moving violation or at-fault accident.
DriverIQ tracking program
Drivers can save up to 25% with Country Financial if they sign up for the company's DriverIQ program.
DriverIQ uses an app on your phone to track three driving habits: speeding, braking and all phone usage while driving. You'll get an automatic 10% off your bill when you sign up, and you could earn a better discount if you're safer on the road.
Country Financial car insurance coverages
Country Financial has a good set of add-on coverage options, but most of them are similar to what you can get from most major companies.
Country Financial also has the standard car insurance coverage nearly every company offers, such as liability coverage and comprehensive and collision to protect your car.
The Keeper new car replacement
Country Financial calls its new car replacement coverage "The Keeper." If the damage to your newer car is more than it's worth, the company will pay for a brand-new vehicle of the same make and model.
The exact rules will differ by state, so speak to an agent for the full details where you live.
Roadside assistance
Country Financial will pay up to $100 for a tow, fuel delivery, repair parts or labor.
Rental car and trip interruption coverage
Rental car coverage from Country Financial will pay up to $800 ($40 per day) for a rental if your car is in the shop after a claim.
If you are 100 miles from home, you can also use the coverage to pay for lodging, meals and transportation. Limits will be different depending on the state where you live.
Windshield replacement insurance
If you get this coverage, you won't have to pay your deductible for comprehensive coverage if you need to get your windshield replaced.
Country Financial auto insurance reviews and ratings
Country Financial has a strong reputation for its car insurance customer service.
The company gets less than one-fifth the number of customer complaints about its car insurance service expected for an average company its size, according to the National Association of Insurance Commissioners (NAIC).
Country Financial also got an above-average score in the North Central U.S. from J.D. Power.
That's a good sign customers are often happy with the customer service they get from Country Financial. That could mean getting you back on the road faster and with less hassle after an accident.
Country Financial home insurance review
Country Financial has expensive home insurance with a mixed customer service reputation.
The company does offer a good set of extra add-on coverage options, including pest and animal damage coverage and home business insurance. But you'll have to pay more for that on top of Country Financial's expensive rates.
ValuePenguin rating: Country Financial home insurance:
Rating breakdown | |
|---|---|
| Price | 0.0/5
Star Fill
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| Coverage | 5.0/5
Star Fill
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| Customer service | 3.3/5
Star Fill
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| Unique value | 0.0/5
Star Fill
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Country Financial home insurance cost
Country Financial’s home insurance is more expensive than most, with an average rate of $2,517 per year for $350,000 of dwelling coverage.
- The average price from Country Financial is 32% more than the national average.
- Rates are a little more competitive if your house is more expensive, but there are still usually a lot of cheaper options.
Find Cheap Homeowners Insurance Quotes in Your Area
Country Financial home insurance rates vs. competitors
Company | Avg. rate (annual) | |
|---|---|---|
| State Farm | $1,321 | |
| USAA* | $1,617 | |
| Allstate | $1,684 | |
| Farmers | $2,045 | |
| Travelers | $2,227 | |
| Nationwide | $2,312 | |
| American Family | $2,391 | |
| Country Financial | $2,517 | |
*USAA is only available to military members, veterans and their families.
Country Financial home insurance discounts
Country Financial has a wide range of ways you can lower your home insurance bills.
Multipolicy discount
If you get your home and car insurance from Country Financial, you could save on both. You'll also get a break on your rates if you pair home coverage with another policy, such as life, disability income or commercial insurance, or if you open an account or annuity with Country Trust Bank.
Welcome discount
When you start a new policy, Country Financial gives you a discount that lasts for three years.
Loyalty discount
After three consecutive years of having a Country Financial policy, you'll get a loyalty discount.
Good payer discount
If you pay your bills on time and meet a few other criteria, you can get a lower rate from Country Financial.
Claim-free discount
You can get a lower rate if you don't have any claims for five years.
Preferred payment discount
If you pay your bill annually instead of monthly, you'll get a lower rate.
Protective device discount
Your rates can be lower if you have a burglar or fire alarm that alerts a central station or if you have a fully automatic sprinkler system.
Smart home discount
Smart systems, such as a thermostat, water leak detector, anti-theft system or smart fire or smoke detector, will also get you a lower rate with Country Financial. That’s because they can alert you when things go wrong and help limit the damage.
Backup system discount
This discount is for having home improvements such as a permanent backup generator or water pressure or battery backup for your sump pump.
Age of home discount
You can pay less if you have either a new home or a fully renovated one that has updated wiring, roof and plumbing, among other things. This is not an option in Minnesota.
Age of wiring discount (Minnesota)
In Minnesota, if you upgrade your electrical wiring, you can get a discount. Owners of older homes will need documentation from an electrical contractor or building inspector to prove the wiring has been updated.
Hail-resistant roof discount
You can get this discount if your roof meets a set of testing standards. You'll need to provide: the name of the manufacturer, when the shingles were made and installed, and proof of the brand name of the shingles.
Safe heat discount
You'll pay a lower rate if your home doesn't have a wood-burning stove.
Country Financial home insurance coverage
Country Financial offers a good set of extra coverages for home insurance, including earthquake coverage or extra protection for specific valuable property. The company also offers the full set of typical homeowners insurance coverages, and what extras you can add might depend on where you live.
Regular home insurance almost never covers damage from earthquakes. That means if you live in an earthquake-prone area, such as the Pacific Northwest, your home could be at more risk without earthquake protection.
Insurance companies put general standard values on specific things, such as jewelry or collectibles, but that might not match what your jewelry or collectibles are worth. Scheduled personal property coverage lets you raise those values for a claim to match the worth of what you own.
If something happens to the underground pipes or wiring in your yard or on your property, you might be responsible for repairing it, and regular home insurance might not cover it. Service line coverage will make your home policy cover that damage as well.
Flood damage isn't covered by your regular home insurance, but Country Financial says you can speak to an agent about flood coverage options. That may involve a National Flood Insurance Program (NFIP) policy.
This will help pay for water damage that results from a sump pump, sewer or drain backup.
Country Financial's identity theft coverage helps pay for certain things after your identity is stolen.
It can pay some expenses related to the theft It can be used to pay for services to help restore your identity It can cover credit monitoring servicesYou may be able to add other coverage options depending on where you live.
[/info-box]Standard vs. Premium
Country Financial offers two broad levels of coverage that it calls "Standard" and "Premium." The company's standard policy will only cover damage from events listed in your policy, which include common things such as freezing pipes, theft, vandalism, hail and fires.
Premium policies work in a different way, instead listing only the things your insurance won't cover, with common examples being flooding or earthquakes. That means if something unusual or even mundane but not listed happens, say a power surge that damages your computer, a Standard policy wouldn't pay for repairs, but a Premium policy likely would.
Country Financial home and renters insurance ratings and reviews
Country Financial has a mixed customer service reputation for its home insurance.
The company only gets 7% of the average number of complaints other companies its size get, according to the NAIC. That low rate of complaints is usually a good sign customers aren't having issues with their coverage.
But Country Financial got a slightly below-average score on J.D. Power's study of home insurance customer satisfaction.
Country Financial vs. other companies
Country Financial vs. State Farm
Country Financial | State Farm | |
|---|---|---|
| ValuePenguin rating | 4/5
Star Fill
| 4.0/5
Star Fill
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| Auto rates | Cheap | Cheap |
| Home rates | Expensive | Cheap |
| Auto service | Good | Good |
| Home service | Mixed | Mixed |
Country Financial vs. Allstate
Country Financial | Allstate | |
|---|---|---|
| ValuePenguin rating | 4/5
Star Fill
| 2.5/5
Star Fill
|
| Auto rates | Cheap | Expensive |
| Home rates | Expensive | Cheap |
| Auto service | Good | Mixed |
| Home service | Mixed | Poor |
Country Financial vs. Farmers
Country Financial | Farmers | |
|---|---|---|
| ValuePenguin rating | 4/5
Star Fill
| 2.9/5
Star Fill
|
| Auto rates | Cheap | Expensive |
| Home rates | Expensive | Expensive |
| Auto service | Good | Mixed |
| Home service | Mixed | Mixed |
Frequently asked questions
Is Country Financial a good insurance company?
Country Financial is a good insurance company. It offers low car insurance rates for both full and minimum coverage. It also offers strong customer service. It's not the best option for home coverage, however.
Who owns Country Financial insurance?
Country Financial is a privately owned company and a subsidiary of the Illinois Agricultural Association, also known as the Illinois Farm Bureau.
Is Country Mutual the same as Country Financial?
Yes, Country Mutual Insurance Co. is part of Country Financial.
What insurance does Country Financial offer?
Country Financial offers auto, motorcycle, RV, boat, home, condo, renters and landlord insurance, plus business, crop, life, farm and pet coverage. The company also has a wide range of investing and annuity products.
Methodology
To compare prices for Country Financial auto and homeowners insurance, ValuePenguin used profiles for sample customers.
Auto insurance methodology
To get average prices for Country Financial car insurance and competitors' rates, ValuePenguin collected quotes from all 50 states across the U.S. Rates are for a 30-year-old single man with a clean driving record and good credit score who owns a 2018 Honda Civic EX.
Full coverage quotes had higher liability limits than the state requirements, plus collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductibles: $500
Rates are from Quadrant Information Services, which sources data from publicly filed insurance company filings. Quotes should be used for comparison purposes only. Your rates will likely be different and depend on your unique situation.
Home insurance methodology
ValuePenguin collected hundreds of home insurance quotes from states where Country Financial has a larger presence. Rates are for a 45-year-old married man with a good credit score and no prior insurance claims.
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
Home insurance data is from Quadrant Information Services. The company gets data to synthesize its rates from public insurance company rate filings. Your exact quotes will likely be different because data on this page is an average of sample prices and for comparison purposes only.
[/list]About the Author
Managing Editor
Ben Breiner is the Managing Editor of ValuePenguin/LendingTree's insurance vertical. He oversees a team of writers who focus on guiding readers through the rigors of home and auto coverage. He still loves that moment when the words fall together and he can translate an intimidating topic so a reader can make the best choice.
Ben got involved in insurance in 2021 when he joined ValuePenguin. He moved up from writer to editor and watched the team grow to expand the ways it helps consumers. Before that, he spent a decade as a sportswriter for newspapers in the Southeast and Midwest.
Ben had to put off buying his first car because of high insurance rates, so he's keenly aware how the wrong policy can get in the way of your goals. He should've shopped around and looked to the experts.
Insurance tip
Always keep an eye out for insurance you can load up on at a low price. A lot more liability coverage won't break the bank and protects your hard-earned assets.
Expertise
- Car insurance
- Home insurance
- Renters insurance
Education
- BA, Economics and Journalism, University of Wisconsin-Madison
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
