Country Financial insurance review 2025

Country Financial car insurance cost

Country Financial may not be one of the cheapest car insurance companies, but its rates are typically on par with what the average American pays. According to Bankrate’s 2024 study of quoted annual premiums, Country Financial car insurance costs $3,199 per year, on average, for a full coverage policy and $986 per year, on average, for a minimum coverage policy. In comparison, the national average cost of car insurance is $2,685 per year for full coverage and $800 for minimum coverage.

How much is Country Financial car insurance?

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 a clean driving history. Below you can find average Country Financial rates for customers with a variety of driving profiles. Because personal details like your ZIP code, age, marital status, vehicle make and model and more are factored into rates along with your driving record, the quote you receive from Country Financial may vary.

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, even when added to 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 who is added to their parents' policy and an adult driver with a clean record on their own policy.

Compare Country Financial car insurance rates

While Country Financial tends to have full coverage car insurance rates that are an average of 19 percent more than the national average, rates can vary significantly between carriers. Insurance providers rate policies on many factors and gear their premiums toward certain risk groups. For example, an insurance company specializing in insuring new drivers may offer more discounts for young drivers under 25. The table below shows how Country Financial's average premium stacks up to other insurance companies.

Country Financial customer satisfaction

Third-party reviews may be a great resource when looking for a company with positive customer experiences and good financial strength. Bankrate evaluated customer satisfaction by looking at J.D. Power scores. In J.D. Power’s 2024 U.S. Auto Insurance Study, Country Financial ranked above the industry average in the North Central region with an overall customer satisfaction score of 665 out of 1,000. This is the only region that included a ranking for the company (due to its limited regional availability).

We also 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), which underscores a positive history of being able to pay out claims in a timely manner.

Country Financial auto claims satisfaction

Country Financial auto insurance customer complaints

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 uncommon auto insurance discounts:

• Engaged couple discount: If you and your partner are getting married sometime in the next year and you both insure your vehicles with Country Financial, you may qualify for this discount. Country Financial only offers this discount to policyholders ages 21 and older.
• Advance quote discount: If you get an online quote from Country Financial before your current auto insurance policy expires, you may receive a discount.
• Occupation discount: If you are a full-time K–12 teacher, firefighter, police officer, EMT or paramedic, you may qualify for a discount from Country Financial.
• Legacy discount: This discount may apply for drivers under the age of 25 with parents who are Country Financial policyholders. To be eligible, the driver's parents must qualify for a multi-vehicle or multi-policy discount.

Country Financial home insurance cost

Country Financial’s average annual premium for $300,000 in dwelling coverage is $2,123. Compared to the 2024 national average of $2,267 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.

Compare Country Financial homeowners insurance rates

Home insurance rates vary by company for many reasons, such as different underwriting criteria, state regulations and the amount of discounts offered. Also, companies with less-than-stellar financial stability ratings may not have the financial reserves to provide lower prices and pay for catastrophic losses. The table below shows how Country Financial home insurance rates compare to other providers.

Country Financial customer satisfaction

Researching third-party ratings may help you decide which insurance company meets your financial needs. J.D. Power produces annual studies that rank insurers based on customer satisfaction in various categories, such as customer service and claims, on a 1,000-point scale. Although Country Financial received a score for its auto insurance policies, it was not included in J.D. Power's customer claims satisfaction rankings for homeowners insurance.

Financial strength is another important factor to consider when deciding on an insurance provider. AM Best gave Country Financial a rating of A+ (Superior), meaning they should be in a good position to pay out claims if a catastrophic event occurs.

Country Financial home insurance customer complaints

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 home insurance discounts:

• Hail-resistant roof discount: You could qualify for a discount if your roof meets certain hail-resistant standards. To qualify, you must provide Country Financial with your roof manufacturer’s name, the date the shingles were manufactured and installed and the manufacturer’s bill of sale, package label or warranty.
• New roof discount: If you just replaced your roof, you might receive a discount from Country Financial. This discount is not available in all states.
• Wiring age discount: Install new wiring in your home and Country Financial may reward you with a discount. This discount is only available in select states.
• Alarm credit discount: You might earn a home insurance discount if you equip your home with safety and security devices such as an automatic sprinkler system, deadbolt locks, fire extinguishers, smoke detectors or a central station burglar and fire alarm system that reports to emergency services.

Pros and cons of Country Financial life insurance

Country Financial life insurance riders

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

• Child term insurance: This rider 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 rider 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.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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, Demotech and the National Association of Insurance Commissioners (NAIC). 
• 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 the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto 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 in 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.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average 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, Demotech and the National Association of Insurance Commissioners (NAIC).
• 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 a 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 in 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.

Bankrate Score

• Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
• Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
• Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

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