Country Financial Insurance Review: Good Rates and Service
Country Financial has cheap car insurance and good customer service, but its home insurance rates may be high unless you bundle policies.
- Cheap car insurance
- Excellent complaint scores
- Money-saving discounts
- Water backup coverage for homes
- Additional financial services
- Only available in 19 states
- High home insurance rates
- No gap coverage for cars
Is Country Financial a good insurance company?
Country Financial is a good company for cheap car insurance in 19 states
The company has excellent home and auto complaint reviews from the National Association of Insurance Commissioners (NAIC)
J.D Power
However, Country Financial’s satisfaction rating for homeowners insurance is slightly below the industry average.
Country Financial insurance ratings
| Rating | Country Financial’s score | Industry average |
|---|---|---|
| Auto satisfaction | 659 | 640 |
| Home satisfaction | 640 | 642 |
| Auto complaint rating | 0.2 | 1.0 |
| Home complaint rating | 0.4 | 1.0 |
Country Financial offers additional financial services beyond insurance. These include college savings plans, annuities, IRAs and financial planning assistance.
How much is Country Financial car insurance?
Country Financial charges an average of $134 a month for full coverage
Country Financial auto rate comparison
| Company | Monthly full coverage | Monthly liability | LendingTree score | |
|---|---|---|---|---|
 | Erie | $131 | $44 |  |
| Country Financial | $134 | $61 |  |
 | Travelers | $135 | $59 |  |
 | State Farm | $144 | $56 | |
 | Auto-Owners | $154 | $51 | |
 | Progressive | $160 | $69 | |
 | Geico | $173 | $65 |  |
 | Nationwide | $190 | $76 |  |
 | Allstate | $248 | $104 | |
 | Farmers | $258 | $101 | |
Country Financial’s full coverage rate is 24% less than the national average of $177 a month. Its liability-only rate is 10% less than the national average of $68 a month.
Each company’s rates vary by customer. This makes it good to compare car insurance quotes from a few companies when you shop.
Is Country Financial affordable after a ticket or accident?
Country Financial tends to have cheap car insurance for a bad driving record.
Its full coverage rates after a speeding ticket average $169 a month. This is 23% less than the national average. Its rates after an at-fault accident are 31% less than the average.
But Country Financial isn’t such a great deal after a DUI (driving under the influence). Its rates average $428, which is 30% higher than the U.S. average. Several other companies have cheaper DUI insurance.
Country Financial vs. US averages for a bad driving record
| Driving record | Country Financial | U.S. average | Difference |
|---|---|---|---|
| Speeding ticket | $169 | $219 | -23% |
| At-fault accident | $182 | $263 | -31% |
| DUI | $428 | $329 | 30% |
Among the biggest insurance companies, Erie, State Farm and Auto-Owners are cheaper than Country Financial after a speeding ticket, but only State Farm is cheaper than Country Financial after an at-fault accident.
Country Financial vs. others for a driving record
| Company | Ticket | Accident | DUI |
|---|---|---|---|
| Erie | $143 | $186 | $217 |
| State Farm | $156 | $163 | $341 |
| Auto-Owners | $164 | $209 | $305 |
| Country Financial | $169 | $182 | $428 |
| Travelers | $181 | $195 | $224 |
| Progressive | $213 | $238 | $208 |
| Geico | $233 | $296 | $404 |
| Nationwide | $244 | $299 | $416 |
| Allstate | $295 | $406 | $379 |
| Farmers | $338 | $400 | $434 |
Is Country Financial cheap for bad credit?
Country Financial has especially cheap car insurance for bad credit at $195 a year for full coverage. This is 43% less than the national average of $345 a year.
Country auto rates for bad credit
| Company | Monthly full coverage |
|---|---|
| Country Financial | $195 |
| Travelers | $249 |
| Progressive | $271 |
| Nationwide | $279 |
| Geico | $282 |
| Erie | $288 |
Does Country Financial have cheap car insurance for teens?
Country Financial has cheap car insurance for teen drivers. Its liability rate of $115 a month is cheaper than the rates available from State Farm, Geico and others.
Country Financial’s young driver rate of $250 for full coverage is about half the national average of $497 a month.
Country car insurance rates for teens
| Company | Liability monthly | Full coverage monthly |
|---|---|---|
| Erie | $97 | $290 |
| Country Financial | $115 | $250 |
| State Farm | $168 | $396 |
| Auto-Owners | $170 | $393 |
| Geico | $181 | $444 |
| Travelers | $200 | $441 |
| Progressive | $241 | $601 |
Country Financial also makes auto insurance more affordable for teens with discounts for:
- Getting good grades
- Completing a state-approved driver’s education class
- Completing its online Simply Drive safety course
Which car insurance discounts does Country Financial have?
Country Financial helps you save with about a dozen car insurance discounts. These include discounts for:
- Good drivers
- Early shoppers
- Teachers and first responders
- Engaged couples
- Having an antitheft device for your vehicle
- Taking a defensive driving class
- Bundling your auto policy with home or renters insurance
Some of Country Financial’s car insurance discounts are more common than others. However, some other companies have discounts that you can’t get from Country Financial.
For example, Country Financial doesn’t offer a low mileage discount, which can save you money if you don’t drive very much, while State Farm does.
Country Financial auto discount comparison
| Discount | Country Financial | State Farm | Allstate | Travelers |
|---|---|---|---|---|
| Bundling | ||||
| Good driver | ||||
| Occupational | ||||
| Engaged couple | ||||
| Early shopper | ||||
| Low mileage | ||||
| Homeowners |
The availability and details of these discounts vary by company and by state. It’s good to ask about these and other potential savings opportunities when you get your quotes.
What type of auto coverage does Country Financial have?
Country Financial offers normal auto insurance coverages like liability
On the other hand, Country Financial does not offer gap insurance
Country auto coverage comparisons
| Coverage | Country Financial | State Farm | Allstate | Travelers |
|---|---|---|---|---|
| Rental reimbursement | ||||
| Trip interruption | ||||
| New car replacement | ||||
| Gap insurance | ||||
| Accident forgiveness |
How much is Country Financial homeowners insurance?
Country Financial charges an average of $3,389 a year for homeowners insurance, or $282 a month. This is 29% higher than the national average of $2,636 a year.
Country Financial home rate comparison
| Company | Annual rate | Monthly rate | LendingTree score |
|---|---|---|---|
| State Farm | $1,761 | $147 | |
| Allstate | $2,352 | $196 | |
| Erie | $2,895 | $241 | |
| Progressive | $3,084 | $257 | |
| Farmers | $3,206 | $267 | |
| Travelers | $3,216 | $268 | |
| Nationwide | $3,389 | $282 | |
| Auto-Owners | $3,490 | $291 | |
| Country Financial | $3,533 | $294 | |
| Farm Bureau | $4,232 | $353 | |
Several companies have cheaper home insurance than Country Financial. However, Country Financial’s cheap car insurance often makes it a good option for a home-and-auto bundle.
Which home insurance discounts does Country Financial have?
Country Financial offers a discount for bundling policies and other ways to save on home insurance. These include a welcome discount when you buy a new policy and a loyalty discount after three years.
You can also get discounts for:
- Owning a new or renovated home
- Avoiding claims
- Having home security devices
Country home insurance discount comparison
| Discount | Country Financial | State Farm | Allstate | Travelers |
|---|---|---|---|---|
| Welcome | ||||
| Loyalty | ||||
| Protective devices | ||||
| New home | ||||
| Renovated home | ||||
| Bundling |
What does Country Financial homeowners insurance cover?
Country Financial’s home insurance coverage options don’t stray too far from the norm. Like most companies, its policies cover your home, belongings and certain other expenses.
The company offers standard and premier coverage options for your home and belongings.
- Standard coverage protects against perils (risks) listed in your policy. These include fire, theft, windstorms and other disasters.
- Premier policies protect against any peril not specifically excluded by your policy.
- Premier policies cost more, but they also provide more protection.
- Neither standard nor premier policies cover floods or earthquakes.
You can customize a Country Financial homeowners policy with these optional extras:
- Sump pump and sewer backup coverage: This pays for cleanup and repairs after sewer or drainage failure
- Scheduled personal property coverage: This gives valuables like jewelry more protection than standard home insurance provides.
- Replacement cost coverage for your belongings: This pays to replace damaged or stolen items with new ones. Standard insurance covers your items at their value after age and wear.
Country Financial vs. other companies
Country Financial has better NAIC complaint ratings than many other companies. Its J.D. Power satisfaction scores show it has happier customers than many other companies. Ratings like these are worth considering as you review your insurance quotes.
Country Financial ratings comparison
| Company | J.D. Power auto | J.D. Power home | NAIC auto | NAIC home |
|---|---|---|---|---|
| Country Financial | 659 | 640 | 0.2 | 0.4 |
| State Farm | 650 | 657 | 0.8 | 1.2 |
| Allstate | 635 | 633 | 0.7 | 1.1 |
| Travelers | 613 | 608 | 0.5 | 0.9 |
Country Financial vs. State Farm
Country Financial has slightly cheaper car insurance than State Farm. State Farm, on the other hand, has much cheaper home insurance than Country Financial. State Farm also has a better satisfaction score for home insurance.
These two factors can make State Farm a better choice for bundling your home and auto policies.
Country Financial vs. Allstate
Country Financial is much cheaper for car insurance than Allstate. However, Allstate has much cheaper homeowners insurance. This can make both companies’ combined rates for bundling close to each other.
In this situation, Country Financial’s good ratings make it a better choice.
Country Financial vs. Travelers
Travelers charges slightly more than Country Financial for car insurance and slightly less for home insurance. This is another situation where both companies’ combined rates for bundling may be close to each other.
Country Financial has better complaint and customer satisfaction scores than Travelers. However, Travelers is a better choice if you need gap insurance, which Country Financial does not have.
Frequently asked questions
Country Financial offers coverage for rentals while your own car is in the shop after an accident. This is known as vehicle rental and trip interruption coverage, which costs extra. It also covers lodging and meals for an accident that occurs more than 100 miles from home.
A Country Financial policy covers you in cars you rent for other reasons like travel. However, the exact coverage you get depends on your state and policy. It’s good to ask your agent for details.
Country Financial has an A+ rating for financial strength from AM Best. This is the second highest possible rating (behind A++). For mortgages, lenders typically require your home insurance company to have a B rating or better.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Car insurance coverage limits
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
Home insurance coverage limits
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
How we evaluated Country Financial and other insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.