Country Financial insurance review 2024

Country Financial earned a 4.1 Bankrate Score for its auto insurance, part of which was due to its high third-party customer satisfaction and financial strength ratings. That suggests that the company places a high value on maintaining good policyholder relationships — something that could make it a good option if customer service matters to you.

Country Financial offers car insurance policies with all the standard coverage types and many optional endorsements. These include emergency roadside service, new car replacement, personal effects coverage, safety glass coverage, and vehicle rental and trip interruption coverage. Additionally, the company offers a host of potential discounts, including three discounts for teen drivers.

Customers who prioritize service and live in one of the 19 states where Country Financial writes auto policies may be interested in the company. Country Financial ranked above the industry average in the J.D. Power 2023 U.S. Auto Insurance Study for the North Central region. Customers who value digital policy management may be impressed with the company's mobile app. The company also came in above average in the shopping portion of J.D. Power's 2023 U.S. Insurance Digital Experience Study, and policyholders can file claims, pay bills and request roadside assistance all within the app.

Our insurance editorial team assigned Country Financial home insurance a Bankrate Score of 3.2. Although its coverage options and support are excellent, the high average cost of a policy brought the score down. While the national average for $250K in dwelling coverage is $2,151 a year, Country Financial's average was a much higher $3,308. If you are hoping to find cheap coverage for your home, Country Financial might not be the best choice for you.

Country Financial's home insurance offerings are available in three coverage levels: basic, combined and premier. The basic plan includes standard coverage options, while the combined plan includes coverage for one instance of human-caused physical damage to the structure of your home. The premier plan includes this extra coverage type and coverage for one instance of physical damage to personal property such as a power surge that damages your computer.

Additionally, Country Financial offers endorsements like sewer backup coverage, extended replacement cost and scheduled personal property coverage. Earthquake and flood insurance are available but may need to be purchased as separate policies.

Country Financial has strong customer satisfaction ratings for home insurance in J.D. Power’s 2023 U.S. Home Insurance Study, and homeowners insurance policyholders may also benefit from the comprehensive mobile app. As with all of Country Financial's offerings, online quoting is not available.

Country Financial life insurance offers a full suite of life insurance policy types including term, whole and universal life insurance policies. The company's term policies have the option of 10-, 15-, 20- or 30-year terms with the option to extend or convert coverage at the end of the term. The company does not, however, offer a few types of life insurance, such as variable universal life, so if you are looking to compare multiple types of policy before you buy, you may want to consider other companies with more extensive offerings.

The cost of Country Financial life insurance may vary greatly depending on the type of policy you are purchasing as well as your age, health and other factors. If you are looking for the cheapest life insurance possible, it can be a good idea to ask for quotes from several companies to see who can offer you the best pricing.

Country Financial may not be the right choice for everyone. If it isn’t quite right for your needs, you may want to consider one of these options.

Country Financial offers a wide collection of insurance products and other financial services with strong customer satisfaction and financial strength ratings from third-party reviewers. Although the carrier has a convenient mobile app and is rated highly by J.D. Power for digital customer satisfaction, it does not offer online quoting. Still, customers looking to meet all their insurance or financial needs with a single company, Country Financial could be a great choice, but keep in mind that the carrier only writes policies in 19 states.

Country Financial customer complaints

Another way to assess the responsiveness of a company to its customers is by looking at its rating with the National Association of Insurance Commissioners (NAIC). The NAIC tracks complaints by company and product and assigns each product a complaint index based on the expected number of complaints for a company of that size. A complaint index of more than 1.00 indicates a company receives more complaints than expected for its market share, while one under 1.00 shows that a company received fewer complaints than was average for the industry.

Other Country Financial tools and benefits

While auto, home and life insurance may be some Country Financial’s most popular insurance offerings, the company also offers many other financial products. The following perks may be appealing to customers who want to maintain all their insurance needs with a single company.

• Financial service products: In addition to insurance, the company offers 401k plans, annuities, college savings plans, IRAs and managed accounts.
• Umbrella insurance: Umbrella insurance provides additional personal liability coverage that may enhance the protections of your auto and home insurance policies. If personal liability losses exceed the limits of your car or homeowners insurance policy, umbrella insurance may kick in to help cover the additional costs.
• Renters insurance: Renters insurance covers the personal belongings of renters who incur losses due to perils such as fire or theft. Country Financial’s premier renters insurance plan adds additional protection to cover losses caused by paint spills or power surges.
• Landlord insurance: Country Financial’s landlord insurance policies cover structural losses and lost income and provide liability protection.
• Business insurance: Country Financial offers business insurance options for farms, wineries, breweries and more.
• Pet insurance: If you have pets, you may be interested in Country Financial's customizable pet insurance options.
• Insurance for teens: Parents of teen drivers may appreciate the company's car insurance for teens page, which notes discounts for teen drivers and information for finding affordable insurance for young drivers. The company's resources for young drivers are created in partnership with the Insurance Institute for Highway Safety and the Highway Loss Data Institute.
• Online resources: Country Financial offers online calculators that might help you determine how much home you can afford and how to budget for home ownership. The company also offers a series of online personal finance and budgeting resources designed to help people take control of their finances.
• Life insurance calculator: If you're trying to decide how much life insurance you need, you may be interested in Country Financial's life insurance calculator.

Country Financial also offers educational materials for young people, from ages kindergarten to young adult, to help them learn the value of money and how to invest for the future.

Frequently asked questions about Country Financial

Auto

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.