Country Financial Insurance review 2021

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Established in 1925, the Country Financial Insurance Company was founded to support a group of Illinois farmers seeking protection from fire and lightning damages. Today, it is a leading insurance provider with insurance coverage options for auto, home, and life insurance, as well as retirement services and education funding support.

Coverage is limited with service in 19 states, but its Midwestern customers keep coming back each year for specialized support like farm and ranch, business and crop investments insurance coverage. The company also has excellent customer satisfaction ratings, making this an all-around attractive insurance provider for the niche customer.

Country Financial car insurance

Country Financial has insurance policies for anything you want to drive, including cars, motorcycles, boats and recreational vehicles.

Types of coverage

  • Collision
  • Comprehensive
  • Uninsured and underinsured motorist protection
  • Boat damage
  • Recreational vehicle damage

Additional coverage options include:

  • The Keeper (new car coverage)
  • Emergency road service
  • Vehicle rental and trip interruption
  • Safety class coverage
  • Personal effects coverage
  • Umbrella insurance

Cost of Country Financial car insurance

The average cost of Country Financial car insurance is $516 per year for minimum liability coverage, according to 2021 data obtained from Quadrant Information Services. If you opt for a full coverage policy, the average premium increases to $1,840 per year, slightly higher than the national annual average for full coverage of $1,674. Your actual price will vary. The provider you choose can have a significant bearing on the price you pay for auto insurance, as can other factors, such as where you live, the car you drive and your driving history.

Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
$516 $1,840

Discounts

  • Advance quote discount
  • Engaged couple discount
  • Multi-car and multi-policy
  • Good driver discount
  • Defensive driver discount
  • Legacy discount
  • Good student and college graduate discount
  • Simply drive discount
  • Occupation discount for full-time K-12 teachers, firefighters, police officers, EMTs, and paramedics.

Country Financial home insurance

CCountry Financial offers basic and premier coverage options for homes, condos and mobile homes, as well as renters and landlord insurance.

Types of coverage

  • Property damage from fire or lightning and windstorm or hail
  • Theft
  • Smoke damage
  • Vehicle collisions
  • Glass breakage
  • Falling objects
  • Weight of ice, snow or sleet
  • Electrical damage
  • Sump pump failure and back-up of sewer or drain
  • Advocacy service coverage
  • Earthquake protection
  • Flood insurance
  • Identity theft expense coverage
  • Premier coverage including countertop burns, paint spillage and power surge damage to appliances.

Personal property coverage options

  • Jewelry, watches, and furs
  • Silverware, goldware and pewterware
  • Money and other currency
  • Firearms
  • Watercraft
  • Recreational motor vehicles

Discounts

  • Multi-policy discount
  • Dwelling age discount
  • Age of wiring discount
  • New roof discount
  • Safe heat discount
  • Roof discount
  • Alarm credit discount

Country Financial life insurance

Country Financial offers term, universal and whole life insurance.

Term life insurance

Country Financial’s term life insurance includes coverage of $50K to more than $1 million for a set period of 10, 15, 20 or 30 years. The company also offers additional features and benefits that you can add on for an extra cost:

  • Child term insurance
  • Return of premium
  • Disability waiver of premium
  • Accelerated benefits

Universal life insurance

Universal life insurance is a more affordable permanent insurance option, which allows you to choose the amount of money you would like your beneficiaries to receive from your death benefit. Country Financial also offers additional features and benefits that you can add to your universal life policy for an extra cost:

  • Child term life
  • Accelerated benefits
  • Waiver of specified premium

Whole life insurance

Country Financial also offers permanent coverage with a variety of benefits that you can use during your lifetime. With whole life insurance, you will have consistent premiums, accessible cash value, a tax-free death benefit and the opportunity to use it for loans and withdrawals. The five payment options for this insurance plan are executive whole life, 10-pay life, 20-pay life, life paid-up at 65 and single premium whole life.

There are also several features and benefits that you can add on to your whole life insurance policy for an extra cost:

  • Child term life
  • Term insurance for you or your spouse
  • Accelerated benefits
  • Paid up additions rider
  • Guaranteed insurability option
  • Accidental death benefit
  • Disability waiver of premium
  • Index dividend feature rider

Country Financial ratings, reviews, customer complaints and satisfaction

Country Financial Insurance reviews mark the organization as an overall good quality insurance company. Its rankings with J.D. Power are above average in both home and auto, with the company receiving the highest ranking overall for customer satisfaction with its home insurance.

2020-2021 J.D. Power scores Country Financial rating
Auto insurance 850/1,000 (North Central region)
Home insurance 855/1,000 (overall)

Top reasons to consider Country Financial

If you live in one of the 19 states that Country Financial serves, you may find that the company meets your insurance needs.

Country Financial is an especially good option if you own agricultural property, equipment and animals, but don’t disregard this company just because you live in the city — the highly-rated auto insurance and wide-ranging home insurance options, including condos and renters insurance, are likely to meet your needs no matter where you live.

The biggest drawback of this company is that they are not available in all states, so if you have questions about your area, reach out to a rep at Country Financial.

Additional policies offered by Country Financial

Country Financial stays true to its agricultural roots by offering coverage for all of your rural and farming needs.

  • Farm and ranch insurance
  • Livestock insurance
  • Country estate insurance
  • Crop insurance
  • Pet insurance

Frequently asked questions

Can I insure a small-scale farm with Country Financial?

Yes, if you have small amounts of farming land, but you do not make a living from farming, you can still get protection through Country Financial. Country Estate insurance covers your agricultural investments not included in your home insurance like outbuildings, fences and farm personal property. As long as your annual gross income from your small farm or animal operation stays within a set limit, you can qualify for this type of insurance.

How do I get a quote from Country Financial?

You can easily get a quote online by navigating to CountryFinancial.com and selecting the type of insurance policy that interests you. Then, you will provide your ZIP code and answer a few questions. If you would prefer to speak to an agent, you can call (866)268-6879 to get a quote over the phone.

How do I file a claim with Country Financial?

The easiest way to file a claim with Country Financial may be to report it online or through the mobile app. You’ll need to create a customer account and log in on a computer or mobile device. When reporting a claim, you’ll select the type of claim and provide a brief description. If you would prefer to speak to a person, you can contact a representative for additional help.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.

Written by
Mary Blowers
Insurance Contributor
Mary Blowers is a freelance writer who specializes in education, travel, and money management. Mary is published on sites like Top Management Degrees, Safety.com, Bankrate, Reviews.com, Million Mile Secrets, and My Move.
Edited by
Insurance Editor