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Country-Wide insurance review 2022

Updated Aug. 23, 2022
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At a glance

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Country-Wide may be an option to consider for New York drivers who want no-frills car insurance, but its lower financial strength rating and lack of additional insurance products, like home insurance, may not be for everyone.

Pros

  • Ideal for drivers who want simple car insurance with no optional coverage
  • Those who prioritize customer service may prefer its network of local New York agents

Cons

  • No online quoting or mobile app available
  • Received C+ (Marginal) rating from AM Best for financial strength
  • Only available to drivers in New York state
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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 to almost 50,000 policyholders with a network of independent brokers located across the Empire State.

If you are in the market for auto insurance in New York, Bankrate’s Country-Wide insurance review could help you decide if it’s a good option to pursue. Unlike some insurance providers that operate solely online, Country-Wide prioritizes personalized customer service and face-to-face broker 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 car insurance

With Country-Wide, you can get the basic auto insurance coverage types, whether you want a minimum coverage policy or a full coverage policy. This includes the required standard coverage in New York, like bodily injury and property damage liability, as well as personal injury protection and uninsured or underinsured motorist coverage. Drivers can also add collision and comprehensive coverage to insure their vehicle, and medical payments to cover hospital or ambulance bills for themselves and any passengers. Unfortunately, the company does not advertise any unique add-ons, like new car replacement, roadside assistance or accident forgiveness.

Another consideration for Country-Wide car insurance is its limited information regarding customer service from third-party agencies, like J.D. Power, and low financial strength rating. AM Best issued Country-Wide a Financial Strength Rating of C++, indicating a marginal ability to meet ongoing insurance and business obligations.

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Country-Wide car insurance cost

While average rates for Country-Wide car insurance aren’t available, knowing the average cost of car insurance in New York could be useful for the sake of comparison. For example, drivers in New York pay an average of $2,996 per year for full coverage car insurance and $1,339 per year for minimum coverage. Both are significantly higher than the national average, which is $1,771 per year for full coverage and $545 per year for minimum coverage.

Country-Wide car insurance 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 broker to find out if there are any savings opportunities to lower your car insurance premium.

Country-Wide car services

Country-Wide does not advertise as to whether it offers any additional services to car insurance policyholders.

Other Country-Wide perks worth considering

In addition to personal auto insurance, Country-Wide also offers commercial truck insurance.

Country-Wide corporate sustainability

Some of Country-Wide’s corporate sustainability initiatives include annual events, like Toys for Tots, Winter Coat Drive and the City Harvest Food Drive. The company has also donated to both local and national crises like Storm Sandy, hurricane relief in Puerto Rico and flooding in Houston, Texas.

Not sure if Country-Wide is right for you?

Looking for the best car insurance can mean requesting quotes from more than one company. If Country-Wide isn’t the best fit for you, you may find it helpful to consider these other car insurance carriers:

  • Erie: Erie Insurance could be another option to consider for New Yorkers who want a regional carrier and other types of insurance.
  • Progressive: Progressive may be a larger national carrier, but it may offer affordable rates for high-risk drivers.
  • Geico: Geico auto insurance ranked as one of the cheapest car insurance options, which might be an option for drivers on a budget.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following 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 2020 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 18-60 (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.

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.

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