Countrywide insurance review 2021

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Country-Wide Insurance was established in 1963. The company only sells two types of insurance — auto insurance and commercial truck insurance — and exclusively offers coverage to drivers in New York State. Country-Wide prides itself on providing in-person services with a network of independent agents located across the Empire State.

If you are in the market for auto insurance, Country-Wide may be a good option as long as you live in New York. Unlike larger, national providers, Country-Wide prioritizes personalized customer service and face-to-face agent interactions, whether you are purchasing a policy or filing a claim. However, the company lacks many of the features you can often find with large insurers, like online quotes and a mobile app.

Country-Wide insurance

Country-Wide is not a well-known name in the insurance industry. That is because the company only sells private passenger and commercial auto insurance in New York State. The company aims to welcome policyholders into the “Country-Wide family,” offering a unique and personal experience when it comes to insurance.

Due to its size, Country-Wide does not have many third-party ratings or customer reviews. It does not disclose how many drivers it serves or what awards the company has won.

Country-Wide car insurance

Country-Wide offers private passenger car insurance to New York drivers, as well as commercial insurance to truck drivers who travel throughout the Tri-State area. Unless you live in New York State, you cannot purchase auto insurance from Country-Wide.

Types of coverage

With Country-Wide, you can get the basic auto insurance coverage types, whether you want a minimum coverage policy or a full coverage policy. Unfortunately, the company does not offer any unique add-ons, like new car replacement, roadside assistance or accident forgiveness. Here are the car insurance coverage options available through Country-Wide insurance:

  • Liability insurance: Liability insurance includes two parts: bodily injury and property damage. If you cause an accident, this policy is designed to cover the other driver’s losses, as well as your legal defense if you get sued.
  • Collision coverage: Collision coverage pays for your vehicle’s repairs after a covered accident you cause.
  • Comprehensive coverage: Comprehensive coverage pays for your vehicle’s repairs stemming from covered non-accident events, like flooding, hail damage, falling objects and vandalism. It also covers theft.
  • Medical payments coverage: Medical payments coverage pays for your medical bills if you or any of your passengers get injured in a covered accident regardless of fault.
  • Personal injury protection (PIP): Personal injury protection is required in New York. If you get injured in an accident, this policy covers your medical bills, regardless of which driver was responsible for the accident, as well as lost wages and bills for household tasks that you can’t complete due to your injury.
  • Uninsured and underinsured motorist coverage: Uninsured motorist and underinsured motorist are two separate coverage types that provide coverage if you get hit by a driver who is uninsured or does not have enough insurance to pay for your losses in full.

Discounts

Country-Wide does not advertise any car insurance discounts on its website. To know what savings options are available to you, consider reaching out to a Country-Wide agent to find out if there are any savings opportunities to lower your car insurance premium.

Here are some of the common car insurance discounts than many car insurance carriers offer:

  • Policy bundling – Many auto insurance companies will lower your premium if you purchase two or more policies, like auto and home, or auto and renters insurance.
  • Claims-free – Drivers who have no recent insurance claims on their record can often save money on their car insurance policy.
  • Pay in full – If you choose to pay your annual premium upfront and in full, many car insurance companies will lower your rate.

Where does Country-Wide operate?

Country-Wide only sells auto insurance in New York State. You cannot purchase coverage from the company if you live elsewhere.

Country-Wide ratings, reviews, customer satisfaction and complaints

Because Country-Wide is a smaller car insurance company, it does not have as many third-party reviews as larger carriers. For instance, Country-Wide does not appear in ratings from J.D. Power or Standard and Poor’s (S&P), which may not give interested customers enough to go off when determining whether the company is a good fit for their needs.

Country-Wide’s AM Best rating, which measures financial strength, is very low. The company earned a C++, which is considered “marginal.” That means Country-Wide has historically demonstrated issues with its ability to pay policyholders after a claim.

Additionally, Country-Wide has a very high number of consumer complaints. In the National Association of Insurance Commissioners (NAIC) Complaint Index, Country-Wide has a complaint score of 3.64, which is significantly higher than the national baseline of 1.0. This means the company experiences more than three times more customer complaints than normal.

Reasons Country-Wide insurance is a good option

Overall, Country-Wide auto insurance does not stack up highly when compared to some of the best car insurance companies due to its poor ratings. It may be a good option for New York drivers who are looking for a personalized customer experience and prefer to work with live agents, rather than manage their policy online.

However, Country-Wide may present several disadvantages. You cannot get a quote or file claims online, there is no mobile app or any online resources and the company does not disclose if any add-on coverage or discounts are available. It may also be worth noting that because Country-Wide insurance only sells coverage in New York, you would have to switch providers if you move outside the state. Most large insurance companies offer nationwide coverage, so your policy can usually follow you no matter where you are located.

Additional policies offered by Country-Wide

Besides auto insurance, Country-Wide offers commercial truck insurance.

Frequently asked questions

How much does Country-Wide auto insurance cost?

The cost of Country-Wide car insurance will be different for every driver. Your car insurance premium is based on a variety of factors, like the state you live in, your claim history and driving record. For reference, the average cost of car insurance in the U.S. is $1,674 per year for a full coverage policy.

Can I cancel a Country-Wide car insurance policy?

Yes, you should be able to cancel a Country-Wide auto insurance policy at any time, without waiting for your policy’s annual renewal period. Most insurance companies do not charge a cancellation fee, but insurance professionals generally recommend reaching out to your agent to ask about any policy termination conditions and fees.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor