Skip to Main Content

Country Financial insurance review 2024

Updated Oct 03, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.0
Rating: 4 stars out of 5
Bankrate Score
Caret Down Icon

Auto

Rating: 4.1 stars out of 5

4.1

Caret Down Icon

Cost & ratings

Rating: 4.2 stars out of 5

4.2

Coverage

Rating: 4 stars out of 5

4.0

Support

Rating: 4 stars out of 5

4.0

Home

Rating: 3.9 stars out of 5

3.9

Caret Down Icon

Cost & ratings

Rating: 3.2 stars out of 5

3.2

Coverage

Rating: 4.3 stars out of 5

4.3

Support

Rating: 5 stars out of 5

5.0

About Bankrate Score

Bankrate's take

Policyholders who value good customer service and the ability to handle all their financial business through one company may want to consider Country Financial as their company of choice.

  • Offers up to a 10 percent discount to teen drivers who complete the Simply Drive course
  • Drivers who enroll in the DriverIQ telematics program can save up to 25 percent on auto insurance
  • Ranks below average in J.D. Power’s 2024 U.S. Insurance Digital Experience Study for shopping
  • Home insurance is offered in three easy-to-understand packages, along with the option to enhance coverage with endorsements

New

What’s new with Country Financial?

Country Life Insurance Company (part of the Country Financial family of businesses) was included in the 2024 Life Health Ward's 50 Companies list of top-performing life insurance companies. Out of nearly 700 life insurers considered, those on the list were selected for outstanding financial results in the areas of safety, consistency and performance over a five-year period.

Country Financial car insurance review

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. Analyses by J.D. Power and AM Best suggest 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 the company writes auto policies may be interested in getting a quote from Country Financial. It ranked above the industry average in the J.D. Power 2024 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, where you can file claims, pay bills and request roadside assistance. However, the company did come in below average for shopping in the 2024 U.S. Insurance Digital Experience Study.

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.

Green circle with a checkmark inside

Pros

  • Variety of optional coverage types
  • Specific resources available for insuring teen drivers
  • High J.D. Power customer satisfaction score for the North Central region
Red circle with an X inside

Cons

  • Only available in 19 states
  • Does not offer gap insurance
  • No online quoting available
Caret Down Icon

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 $2,729 per year, on average, for a full coverage policy and $797 per year, on average, for a minimum coverage policy. In comparison, the national average cost of car insurance is $2,388 per year for full coverage and $664 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.

Good driver, good credit
Country Financial full coverage premium
$2,729
National full coverage premium
$2,388
Country Financial full coverage premium
$3,892
National full coverage premium
$4,372
Country Financial full coverage premium
$3,474
National full coverage premium
$2,893
Country Financial full coverage premium
$3,739
National full coverage premium
$3,396
Country Financial full coverage premium
$3,926
National full coverage premium
$4,586
*All rates displayed are average annual rates.

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.

Country Financial full coverage premium
$5,476
National full coverage premium
$5,080
Country Financial full coverage premium
$4,565
National full coverage premium
$4,376
Country Financial full coverage premium
$4,579
National full coverage premium
$4,818
Country Financial full coverage premium
$3,368
National full coverage premium
$2,929
Country Financial full coverage premium
$2,935
National full coverage premium
$2,523
Country Financial full coverage premium
$2,729
National full coverage premium
$2,388
Country Financial full coverage premium
$2,451
National full coverage premium
$2,135
Country Financial full coverage premium
$2,729
National full coverage premium
$2,388
Country Financial full coverage premium
$2,451
National full coverage premium
$2,135
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare Country Financial car insurance rates

While Country Financial tends to have full coverage car insurance rates that are an average of 14 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.

$2,729
$797
$2,743
$874
$2,254
$694
$3,054
$919
$1,921
$565
$1,905
$688
$2,688
$886
$2,001
$545
$2,036
$750
$1,756
$455
$1,905
$688
$2,688
$886
$2,001
$545
$2,036
$750
$1,756
$455
*All rates displayed are average annual rates.

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

In terms of auto claims experiences, Bankrate again looked to J.D. Power. In the 2023 U.S. Auto Claims Satisfaction Study, Country Financial earned 894 out of 1,000 — well above average — for overall customer satisfaction.

J.D. Power Auto Claims Satisfaction Study

Country Financial auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) Complaint Index indicates how many complaints a company gets by product type compared to other insurers of a similar size. For the past three years, Country Financial has consistently had fewer complaints than average, suggesting that the company responds to customer needs in a prompt and satisfactory way.

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.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Country Financial
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
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.

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 home insurance review

Bankrate’s insurance editorial team assigned Country Financial home insurance a Bankrate Score of 3.9. Although its coverage options and support are excellent, the high average cost of a policy brought the score down. While the national average for $300K in dwelling coverage is $2,285 a year, Country Financial's average was much higher at $3,179. 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.

Pros and cons of Country Financial home insurance

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

Green circle with a checkmark inside

Pros

  • Multiple coverage levels to choose from
  • Identity theft coverage available
  • Earthquake and flood insurance available
Red circle with an X inside

Cons

  • Average premiums are higher than the national average
  • No online quoting available
  • Not available in every state
Caret Down Icon

Country Financial home insurance cost

Country Financial’s average annual premium for $300,000 in dwelling coverage is $3,179. Compared to the 2024 national average of $2,285 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.

$150K dwelling
Country Financial average premium
$1,991
National average premium
$1,394
$300K dwelling
Country Financial average premium
$3,179
National average premium
$2,285
$350K dwelling
Country Financial average premium
$3,523
National average premium
$2,550
$450K dwelling
Country Financial average premium
$4,302
National average premium
$3,091
$750K dwelling
Country Financial average premium
$6,803
National average premium
$4,525

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.

$3,179
+ $894
$1,955
- $330
$2,288
+ $3
$1,448
- $837
$2,411
+ $126
$1,699
- $586
$3,524
+ $1,239
$1,691
- $594
$2,935
+ $650
$1,871
- $414
$1,699
- $586
$3,524
+ $1,239
$1,691
- $594
$2,935
+ $650
$1,871
- $414

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's complaint index for homeowners insurance is even better than its auto insurance index, and the company has been consistently getting better over the past few years. In 2022, for example, there were only nine total complaints filed with the NAIC against the company. This indicates that customers are generally satisfied with their company interactions and claims management.

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.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Country Financial

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
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.

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.

Mortgage Icon

Leaving so soon? Your custom quotes are just minutes away.

Country Financial life insurance review

Country Financial offers a comprehensive range of life insurance products designed to meet various needs and budgets. Whether you are looking for affordable coverage for a specific period or permanent protection with cash value growth, Country Financial has options that may suit your needs. Below is a brief overview of the different life insurance products available from Country Life:

  • Term Life Insurance:
    • Overview: Provides affordable financial protection for a set period.
    • Terms available: 10, 15, 20 or 30 years.
    • Key features:
      • Coverage for specific financial obligations like mortgage, education or lost income.
      • Options to extend coverage beyond the initial term with increasing premiums.
      • Option to convert to permanent life insurance for lifelong coverage.
  • Indexed Universal Life Insurance (IUL):
    • Overview: Offers flexible premiums and death benefits with the potential for cash value growth tied to a stock market index.
    • Key features:
      • Death benefit options: Choose between a level death benefit or an increasing one that includes cash value.
      • No lapse guarantee: Ensures the policy remains active for a specified period, provided certain conditions are met.
      • Accelerated death benefits: Available for terminal or chronic illness without additional costs.
  • Whole Life Insurance:
  • Overview: Provides lifelong coverage with the added benefit of cash value accumulation.
    • Key features:
      • Cash value: Grows over time and can be accessed as a loan or withdrawal.
      • Payment options: Flexible payment structures such as 10-pay, 20-pay or single premium payment.
      • Dividends: Potential for dividends, which can be used to reduce premiums, purchase additional coverage or reduce loan balances.

Each of these life insurance products is designed to cater to different stages of life and financial needs. It's important to evaluate your current and future financial responsibilities to choose the best option for you.

Pros and cons of Country Financial life insurance

Green circle with a checkmark inside

Pros

  • Term, universal and whole life insurance policies available
  • Multiple riders for policy customization
  • Free accelerated death benefit for universal life and whole life policyholders
Red circle with an X inside

Cons

  • Not available in all states
  • Variable universal life policies are not available
  • Policies must be purchased through a Country Financial representative

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.

Compare life insurance providers quickly and easily

See which provider is right for you.

Caret Down IconCaret Up Icon
Please select age
Caret Down IconCaret Up Icon
Please select Coverage amount
Caret Down IconCaret Up Icon
Please select Policy type
Location-Icon
Your information is secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
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.

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.

Bankrate
Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable.
See more providers in
Choose from insurers in

Compare Country Financial with other insurers

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.

Badge Icon Featured

Country Financial

Country Financial
Rating: 4 stars out of 5
4.0
Caret Down Icon

Cost & ratings

Rating: 3.7 stars out of 5
3.7

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 4.5 stars out of 5
4.5

State Farm

State Farm
Rating: 4.3 stars out of 5
4.3
Caret Down Icon

Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.4 stars out of 5
4.4

USAA

USAA
Rating: 4.5 stars out of 5
4.5
Caret Down Icon

Cost & ratings

Rating: 4.6 stars out of 5
4.6

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4.2 stars out of 5
4.2
OVERVIEW
Info Icon
State Farm writes auto and home insurance policies nationwide. 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.
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 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.
STANDOUT FEATURES
Info Icon
Loan Icon
Numerous discounts offered
Car Icon
Two safe driving programs
Bank Icon
Offers banking and investment
Location Icon
Availability in all 50 states
Loan Icon
MyUSAA Legacy discount
Car Icon
SafePilot telematics program
AVG FULL COV. AUTO RATE
Info Icon
$2,743 $1,921
J.D. POWER AUTO SCORE
Info Icon
882/1000 890/1000
AVG HOME RATE
Info Icon
$1,955 $1,448
J.D. POWER HOME SCORE
Info Icon
643/1000 881/1000
AM BEST RATING
Info Icon
A++(Superior) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Country Financial insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Country Financial a good insurance company?

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, for customers looking to meet all their insurance or financial needs with a single company, Country Financial could be a great choice if the carrier writes policies in your state.

What are real-life customers saying about Country Financial?

Reading reviews from real-life customers can help you get a clear picture of the kind of service a company provides. Bankrate's insurance editorial team reviewed several online platforms to see what customers are saying about their experiences with Country Financial and found that there aren't many current reviews. Below is a summary of customer feedback found on Reddit, the Better Business Bureau (BBB) and Trustpilot.

Better Business Bureau

BBB has the most recent Country financial reviews and the general tone implies that customers are not happy with the claims process for auto or home insurance. The customer review rating on BBB is 1.24 out of 5 stars and many reviews posted are from long-time customers. There also seems to be constant feedback about delays in general policy paperwork and claim payments.

BBB user
Feb 10, 2023
Country won't pay for hail damage. We've...
"Country won't pay for hail damage. We've been with the company 50+ years and just switched. Why? Because the first time we made a homeowner's claim for hail damage, it was denied. The adjuster was rude and uncooperative. Every house in the neighborhood who filed a claim with other insurance companies was given a settlement, but not those with Country Companies."
via BBB

Reddit 

Most of the comments about Country Financial found on Reddit are a few years old, except one post from two months ago. Like many others, this post touches on concerns about working with a particular agent instead of service or policy concerns with Country Financial. However, if you plan to rely heavily on your insurance agent, consider what services you require from an independent agent or an insurance broker, and weigh them against coverage with a direct carrier.

Reddit user
Jan 10, 2024
So my old agent left and Country Financial...
“So my old agent left and Country Financial assigned us to an agency an hour away. The customer service sucks now. I contacted a local office and asked if they could take over our policies. We have 4 cars, a home and 2 life insurance policies. The local office told me I had to request with the corporate office to be moved and they refused.”
via Reddit

Trustpilot

Trustpilot does not have many reviews about Country Financial and the few listed are not positive. A common theme on this platform and others seems to be confusion around policy documents, which are generally handled directly by the insurance agent. This may indicate that the agent you work with can impact your experience more than the company.

Trustpilot user
Jul 18, 2023
We have had Country Financial for over 30...
“We have had Country Financial for over 30 years. Our bundle included cars, home, boat, whole life insurance policies. In 1985 we were told our whole life policies would pay for themselves within 20 years with dividends. That never happened and the policies were very expensive. We decided to cash them out recently and we were told our other policies would increase because of the “bundle”. What?!! They include life insurance policies in bundles? Our car insurance went up 200.00. We’re seniors, no tickets or accidents."

Country Financial company details

Here’s how to reach Country Financial:

  • Customer service and claims: 1-866-268-6879
  • Claims mailing address: Country Financial, P.O. Box 2020, Bloomington, IL 61702-2020

State availability

Country Financial is available in these 19 states: AL, AK, AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NV, ND, OK, OR, TN, WA and WI.

Country Financial tools and benefits

While auto, home and life insurance may be some of Country Financial’s most popular insurance offerings, the company also offers many other financial products. The following perks could 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 401(k) plans, annuities, college savings plans, IRAs and managed accounts.
  • Umbrella insurance: Umbrella insurance provides additional personal liability coverage that may enhance the financial protection of your auto and home insurance policies. If personal liability losses exceed the limits of your car or homeowners insurance policy, umbrella insurance can help 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 policy adds additional financial 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 information online, which notes discounts for teen drivers and tips 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 homeownership. 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 adults, to help them learn the value of money and how to invest for the future.

Frequently asked questions about Country Financial

Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze October 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 for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

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

Home

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2016 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

Additional profiles:

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

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

Bankrate Scores

Our 2024 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.

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.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 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 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.

Written by
Shannon Martin
Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor, Insurance