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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Country Financial insurance review 2023

Updated Aug 03, 2023

At a glance

3.6
Rating: 3.6 stars out of 5
Bankrate Score
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Auto

Rating: 4 stars out of 5

4.0

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Cost & ratings

Rating: 3.8 stars out of 5

3.8

Coverage

Rating: 4 stars out of 5

4.0

Support

Rating: 4.4 stars out of 5

4.4

Home

Rating: 3.2 stars out of 5

3.2

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Cost & ratings

Rating: 2.8 stars out of 5

2.8

Coverage

Rating: 4 stars out of 5

4.0

Support

Rating: 3 stars out of 5

3.0

About Bankrate Score

Bottom Line

Country Financial is well-known for its high customer service ratings and array of insurance products tailored to rural communities. However, it is not available in all states.

Pros
  • Auto, homeowners, life and other insurance products available

  • High customer satisfaction scores and financial strength ratings

  • Comprehensive mobile app for digital policy management

Cons
  • Only writes policies in 19 states

  • No online quoting available

  • Above average home premiums

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What’s new with Country Financial?

In 2022, The Institutes awarded Country Financial its RiskStream Collaborative’s Innovator Award. The Collaborative serves the insurance industry by offering innovative solutions for commercial and personal lines, as well as annuity and life insurance products.

Country Financial car insurance

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 second in the J.D. Power 2022 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 came in first in the shopping portion of J.D. Power's 2022 U.S. Insurance digital Experience Study, and policyholders can file claims, pay bills and request roadside assistance all within the app.

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Quick facts
Auto Insurance
The average American pays $148/month for full coverage auto insurance
Moneybag
Rates can vary by over $2,600 per year between companies
Location
Across the U.S., rates can vary as much as 242%
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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Pros and cons of Country Financial car insurance

Country Financial offers a full line of standard auto insurance coverage types and a few unique discounts. However, Country Financial will not fit the needs of all automobile owners.

PROS

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    Variety of optional coverage types

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    Specific resources available for insuring teen drivers

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    High J.D. Power customer satisfaction scores for the North Central region

CONS

  • Close X

    Only available in 19 states

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    Does not offer gap insurance

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    No online quoting available

Country Financial car insurance cost

Country Financial car insurance costs an average of $1,842 per year for a full coverage policy and $533 per year for a minimum coverage policy, according to Bankrate’s 2023 study of quoted annual premiums. On average, Country Financial policyholders pay slightly less than the national averages of $2,014 per year for full coverage and $622 per year for minimum coverage. While Country Financial isn't one of the cheapest car insurance companies, its average rates are lower than the national averages.

Country Financial car insurance rates by driving history

An individual’s driving record can play a major role in their auto insurance rate. Motorists with incidents such as speeding tickets and at-fault accidents typically pay higher rates than drivers with clean driving records. Below you can find average Country Financial rates for customers with a variety of driving records. We did not include rates for drivers with DUIs as some carriers will not write policies for drivers with these high-risk incidents on their record. These rates are based on a sample, and your rates will likely vary. For more personalized information, you can reach out to a Country Financial agent for a quote. 2023 rates for driving incidents aren’t available yet, so the rates below are for 2022.

Country Financial average monthly full coverage premium Country Financial average annual full coverage premium National average annual full coverage premium
Clean driving history $150 $1,797 $1,771
$188 $2,257 $2,138
$201 $2,413 $2,521
Country Financial average monthly minimum coverage premium Country Financial average annual minimum coverage premium National average annual minimum coverage premium
Clean driving history $43 $517 $545
$57 $679 $657
$66 $791 $788

Country Financial car insurance quotes by age

A driver’s age can affect the price they pay for car insurance, and young drivers typically pay more for car insurance, even on their parents' policy. Parents who have teen or young adult drivers in their household may benefit from shopping around to find a carrier that offers low average rates and discounts for younger drivers. The following average rates are for a teen driver with a clean driving record added to their parents' policy and adult drivers with a clean record on their own policy.

Average cost of car insurance for drivers on their parent’s policy

Country Financial average monthly full coverage premium Country Financial average annual full coverage premium National average annual full coverage premium
$326 $3,909 $4,392
$292 $3,505 $4,102
$269 $3,225 $3,837
$375 $4,494 $3,345
$237 $2,845 $3,149
Country Financial average monthly minimum coverage premium Country Financial average annual minimum coverage premium National average annual minimum coverage premium
$115 $1,381 $1,470
$100 $1,196 $1,362
$90 $1,084 $1,261
$135 $1,617 $1,070
$78 $934 $995

Average cost of car insurance for drivers on their own policy

Country Financial average monthly full coverage premium Country Financial average annual full coverage premium National average annual full coverage premium
Age 18 $331 $3,969 $6,110
$198 $2,374 $2,473
$169 $2,024 $2,125
$154 $1,842 $2,014
$139 $1,672 $1,824
Country Financial average monthly minimum coverage premium Country Financial average annual minimum coverage premium National average annual minimum coverage premium
Age 18 $116 $1,391 $1,967
$61 $731 $747
$49 $585 $647
$44 $533 $622
$42 $503 $578

Country Financial car insurance discounts

Customers looking to lower their cost of car insurance may be interested in potential discounts to help them save. Country Financial offers several standard discounts such as multi-policy discounts and student discounts, alongside some more unique auto insurance discounts:

Country Financial car tools and benefits

In addition to standard auto insurance, Country Financial offers coverage options for your motorcycle, boat and recreational vehicle. Parents of teen drivers may appreciate the company's Insurance for Teens page with 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.

Country Financial home insurance

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 2022 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.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
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100% of homes
need insurance before getting a mortgage
Mortgage

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Pros and cons of Country Financial homeowners insurance

Your home is likely one of your most valuable assets, so choosing the right homeowners insurance company may be critical to your financial protection strategy. When comparing Country Financial with other providers, these pros and cons may help you narrow down your selections.

PROS

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    Multiple coverage levels to choose from

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    Identity theft coverage available

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    Earthquake and flood insurance available

CONS

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    Average premiums are higher than the national average

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    No online quoting available

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    Not available in every state

Country Financial home insurance cost

Country Financial’s average annual premium for $250,000 in dwelling coverage is $2,470. Compared to the 2023 national average of $1,428 per year for the same amount of coverage, Country Financial policyholders pay more than average for their home insurance. To get the best homeowners insurance rate, you may want to request quotes from numerous insurers.

Dwelling coverage limit Country Financial average annual premium National average annual premium
$150,000 $1,757 $975
$250,000 $2,470 $1,428
$350,000 $3,059 $1,879
$450,000 $3,732 $2,343
$750,000 $5,827 $3,761

Country Financial home insurance discounts

Country Financial offers several homeowners insurance savings options, including a discount for purchasing multiple Country Financial policies. The insurer also offers the following more unique home insurance discounts:

Country Financial home tools and benefits

Buying a home may be an intimidating process, but 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.

Country Financial life insurance

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.

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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Pros and cons of Country Financial life insurance

PROS

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    Term, universal and whole life insurance policies available

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    Multiple riders for policy customization

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    Free accelerated death benefit for universal life and whole life policyholders

CONS

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    Not available in all states

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    Index and variable universal life policies are not available

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    Policies must be purchased through a Country Financial representative

Country Financial life insurance endorsements

Country Financial offers several endorsement options which may vary depending on the type of life insurance policy you choose. These endorsements, also called riders, could help you enhance your coverage to meet your needs. Country Financial’s life insurance endorsements include:

  • Child term insurance: This endorsement provides up to $50,000 in term coverage for each of your children between ages 0 and 17. The child can convert the policy to whole life insurance at age 23 without completing additional medical exams.
  • Disability waiver of premium: This endorsement allows you to stop paying premiums for a period of time without losing coverage if you become disabled before age 65.
  • Accelerated benefits: This rider allows you to access your death benefit while you’re still alive should you develop a terminal illness.
  • Return of premium: This rider, available on 20- and 30-year term life policies, returns your base premiums paid if you’re still alive at the end of your life insurance term.
  • Term insurance for you or your spouse: This rider enables you to add term life coverage to an existing whole life policy to cover you or your spouse.
  • Accidental death benefit: If you pass away due to an accident before age 70, this rider will pay an additional amount.
  • Guaranteed insurability option: If you are between the ages of 22 and 43, this rider enables you to buy additional whole life coverage every three years without a medical exam.

Country Financial life tools and benefits

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 investment and retirement services such as IRAs, 529 plans, annuities, and retirement products.

Country Financial customer satisfaction

Third-party reviews may be a great resource when looking for a company that offers positive customer satisfaction and financial strength history. Bankrate evaluated customer satisfaction by looking at J.D. Power scores and NAIC customer complaints. 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.

Lastly, we looked at financial strength ratings from AM Best as an indicator of the company's historic ability to pay claims. AM Best gives Country Financial a financial strength score of A+ (Superior).

Country Financial auto satisfaction

In J.D. Power’s 2022 U.S. Auto Insurance Study, Country Financial ranked second in the North Central region with an overall customer satisfaction score of 868 out of 1,000. Country Financial's NAIC Complaint Index is 0.20 for its private passenger auto insurance, indicating far fewer complaints than expected from customers.

Country Financial homeowners satisfaction

In its 2022 U.S. Home Insurance Study, J.D. Power ranked Country Financial the fifth best homeowners insurance carrier in the industry, with an overall customer satisfaction score of 830 out of 1,000. Country Financial earned an NAIC Complaint Index of 0.09 for home insurance complaints, far below the industry average.

Country Financial life satisfaction

The Country Life Insurance Company, which underwrites Country Financial’s life insurance, isn’t rated by J.D. Power for life insurance satisfaction. However, the company does have a Complaint Index with the NAIC; the score for individual life is 0.14, which is significantly lower than the 1.00 baseline. This indicates fewer-than-average complaints, which may translate to a high level of customer satisfaction.

How to file a claim with Country Financial

Country Financial policyholders can file claims on the company’s website or mobile app or by calling 1-866-268-6879. After reporting a claim, Country Financial will assign a claims representative to your claim who will contact you if they need additional information about your losses.

Country Financial availability

Country Financial writes insurance policies in 19 states:

  • Alabama
  • Alaska
  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kanas
  • Minnesota
  • Missouri
  • Nevada
  • North Dakota
  • Oklahoma
  • Oregon
  • Tennessee
  • Washington
  • Wisconsin

Other Country Financial perks worth considering

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.

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.

Country Financial corporate sustainability

Our Country Financial insurance review would not be complete without discussing the company’s social outreach. Besides providing educational materials for kids aged 5 to 15 on its website, Country Financial also sponsors employee volunteer and employee donation matching programs. The company’s charitable programs provide donations to 501(c)(3) organizations within and outside Bloomington, Illinois.

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 vs. State Farm

While Country Financial only offers insurance products in 19 states, State Farm writes auto and home insurance policies in all 50 states. State Farm car insurance policyholders can potentially reduce their rates by enrolling in the provider’s usage-based Drive Safe & Save program. However, compared with Country Financial, State Farm offers relatively few home insurance discounts and life insurance riders.

Learn more: State Farm Insurance review

Country Financial vs. USAA

Although USAA writes car and home insurance policies in all 50 states, it only offers products to military members, veterans and their eligible family members. USAA auto insurance policyholders can save on their premiums by taking advantage of numerous discounts, including a potential discount for garaging their vehicles on a military base. Unlike with most home insurance companies, USAA’s standard homeowners policies include personal property replacement cost coverage. USAA also offers banking products, including checking and savings accounts, car loans and home mortgages, brokerage and trading services and retirement plans.

Learn more: USAA Insurance review

Country Financial vs. Travelers

Travelers writes car and home insurance policies nationwide and extends a variety of potential discounts, including a discount for lessees or owners of electric or hybrid vehicles. Similarly, Travelers offers a home insurance discount to policyholders who own LEED-certified green homes. The provider also offers commercial auto and business general liability insurance, along with cyber insurance, which may help cover business interruption, crisis management and regulatory defense costs. Unfortunately, Travelers does not offer life insurance or other financial products.

Learn more: Travelers Insurance review

Is Country Financial a good insurance company?

Country Financial offers a comprehensive 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 comprehensive mobile app that is rated highly by J.D. Power for digital customer satisfaction, it does not offer online quoting. For customers looking to meet all their insurance needs with a single company, Country Financial could be a great choice, but the carrier only writes policies in 19 states.

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 driver with a clean driving record, good credit and the following full coverage limits:

Auto

  • $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 sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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 parent's 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. Rates for driving incidents represent 2022 data.

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

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

Bankrate Scores methodology

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

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Written by
Michael Evans
Contributor, Personal Finance

Michael Evans is a contributor to Bankrate and has worked in numerous industries, including education, finance, government, insurance and journalism. He began writing professionally while working for the world’s first online mortgage brokerage in San Francisco, California. His writings have appeared in print and online publications, including Fox Business, International Living, Motley Fool and Yahoo Finance. He and his family divide their time between residences in Northern California and Colombia. When Michael is not writing, he enjoys working in his photography business and playing with his cat, Cyndi Lou.

Edited by Editor, Insurance