COUNTRY Financial ranks 25th overall nationally, outside the top tier of best car insurance companies. Its strongest categories are coverage options (eighth) and affordability (19th).
COUNTRY Financial Car Insurance Review
Updated: May 19, 2026
Advertising & Editorial Disclosure
Key Takeaways
COUNTRY Financial ranks 10th for full coverage affordability and 24th for minimum coverage, with average monthly rates of $106 and $62.
COUNTRY Financial ranks 22nd nationwide for overall customer satisfaction, behind most competitors despite its focus on one-on-one agent service and positive online reviews.
COUNTRY Financial ranks eighth for coverage options, with accident forgiveness and new car replacement coverage for total losses.
COUNTRY Financial Car Insurance Ratings
| Overall Score | 4.05 | 25 |
| Customer Experience | 3.71 | 22 |
| Coverage | 3.83 | 8 |
| Affordability | 4.26 | 19 |
Who Is COUNTRY Financial Car Insurance Best and Worst For?
COUNTRY Financial is a good fit for young drivers, those with DUIs, drivers with bad credit and low-income households.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.34 | 10 |
How Much Does COUNTRY Financial Car Insurance Cost?
COUNTRY Financial car insurance costs range from $57 to $390 a month, based on driver profile and coverage level.
Data filtered by:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100,000 - 1000 comp_coll
| $144 | $1,722 | -48% | 4 |
COUNTRY Financial Car Insurance Rates by Driver Category
COUNTRY Financial ranks among the more expensive options for most driver types, including adults, seniors and those with accidents, speeding tickets or bad credit.
| Adult Drivers | $64 | $111 | 3% | 19 |
| Drivers With A DUI | $88 | $154 | -24% | 8 |
| Drivers With An Accident | $87 | $150 | -1% | 19 |
| Drivers With A Speeding Ticket | $77 | $136 | 4% | 21 |
| Drivers With Bad Credit | $90 | $155 | -29% | 13 |
| Drivers With Low Income | $65 | $112 | -18% | 15 |
| Drivers With Newer Cars | $76 | $131 | -9% | 18 |
| Drivers With Old Cars | $54 | $93 | -2% | 17 |
| Senior Drivers | $76 | $122 | -6% | 17 |
| Young Drivers | $107 | $186 | -23% | 9 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
COUNTRY Financial Car Insurance Discounts
COUNTRY Financial offers five car insurance discounts, with average savings of up to 11% based on your driver profile, eligible programs and location.
Multi-Policy/Bundle | 6% | Must have 2+ policies with COUNTRY Financial | Available nationwide |
Multi-Car | 11% | 2+ vehicles on policy at same address | Available nationwide |
Good Student | 8% | Students aged 16-22, B average (3.0+ GPA), full-time enrollment | Unavailable in 15 states, including California, Hawaii, North Carolina |
Teen Driver | Variable | Driver 18 or younger, after 1 year with COUNTRY Financial | Available nationwide |
Distant Student | Variable | Student 22 or younger, 100+ miles from home, no car at school | Unavailable in California, Hawaii, North Carolina |
COUNTRY Financial Car Insurance Customer Reviews and Reputation
COUNTRY Financial ranked 22nd in overall customer satisfaction in MoneyGeek's customer experience study. It excels in agent service quality, with knowledgeable local representatives.
Its online platform receives mixed reviews; some users find it less intuitive than competitors'. Claims processing times are long.
Buying Process
The buying process receives mixed feedback; some customers praise their agents as helpful and responsive.
Policy Management
COUNTRY Financial's digital platforms and customer service have been criticized. Customers report poor communication and unresponsive representatives.
Claims Experience
Customers report response delays, immediate claim denials without proper investigation, and communication failures with unreachable adjusters.
COUNTRY Financial Car Insurance Industry Customer Satisfaction Ratings
COUNTRY Financial ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, it finishes average or below average in most areas.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | Not Available | aaa to d | Information not publicly available |
S&P Global Financial Strength | Not Available | AAA to D | Information not publicly available |
Moody's Financial Strength | Not Available | Aaa to C | Information not publicly available |
J.D. Power Auto Claims Satisfaction | 894/1,000 | 1,000-point scale | Above average (industry average: 878) - Ranked 4th of 24 companies |
J.D. Power Digital Service Experience | 738/1,000 (2022) | 1,000-point scale | Above average (ranked highest in shopping satisfaction in 2022) |
J.D. Power Auto Insurance Shopping Study | 659/1,000 (2025) | Out of 1,000 | Above average in North Central region only |
J.D. Power Overall Customer Satisfaction | Varies by region | Out of 1,000 | Above average in North Central region, below average nationally for home insurance |
NAIC Auto Complaints | 0.37-0.44 | 1.00 is average | Far fewer complaints than expected (well below the industry average) |
COUNTRY Financial Car Insurance Reddit and Forum Customer Satisfaction
Reddit users and forum members praise COUNTRY Financial for competitive rates and the hands-on service its agents provide. The main complaints are claims delays and poor adjuster communication. Rate hikes at renewal are a recurring complaint as well.
Claims Processing
Most customers express frustration with how COUNTRY Financial handles claims and lacks responsiveness, a common problem with claim resolution:
"We had one of their customers turn in front of us on a highway and caused a wreck in September of 2022. It's May of 2025 and COUNTRY Financial still hasn't paid medical bills that Jill the representative said she would in 2022."
Claims Resolution
Some customers report waiting weeks for a decision, even when liability is already established:
"It's been almost 30 days of the claim, and even though they have a police report having their customer at fault, my statement and all the proof, they keep dragging it out because they have not been able to get ahold of their insured."
Customer Service
Agent service experiences vary widely, likely because of differences between individual agents and regions:
"I was with COUNTRY Financial for many years to insure my car, house, and later started life insurance... all because they provide the best customer services such as my Representative, Darin Maddy, who definitely is one of the best agents."
"In the past three years. I have some true eye opening experiences with COUNTRY Financial. During the processes they show little concern of the wellbeing of customers. What really concerns me the lack of communication from adjusters, claim adjusters, and people in the arbitration off..."
Digital Experience
COUNTRY Financial's online resources receive mixed feedback. The platform rates 4.8 out of 5 on some sites, but users report limitations with online claim management:
"COUNTRY Financial's website gives basic overviews on insurance and it's [sic] products, and features financial articles and tools. You can also get an insurance quote, find an agent, pay premiums and report claims."
Trust and Reputation
Trust varies by individual experience for most regional insurers, and COUNTRY Financial is no exception. Online sentiment is mixed, though its financial ratings are strong:
"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."
"Avoid this company like the plague. Absolute disaster of a claims department. Customer service is a joke and the adjuster has terrible communication skills."
Coverage Options
Customers appreciate the range of coverage options and discounts available, but some report being charged after requesting a cancellation:
"They said they cancelled it and then charged the card anyway! We called their headquarters, and they apologized and stated it would be cancelled immediately. Later, we get a document stating it would be cancelled next month."
"COUNTRY Financial offers all the standard auto options along with some less-common endorsements like windshield replacement insurance, personal effects coverage and umbrella liability."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews are most common on forums and don't reflect overall service quality. Pair them with industry sources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute for a fuller view.
COUNTRY Financial Car Insurance Coverage Options
COUNTRY Financial provides standard coverage options, including liability, comprehensive and collision. It also offers these add-ons:
The Keeper® | New car replacement coverage for severely damaged vehicles | Covers vehicles up to 4 model years old; pays for brand-new car of same make and model |
Emergency Roadside Assistance | Towing, fuel delivery, jump start and locksmith services | Up to $100 reimbursement per event; includes flat tire repair and breakdown assistance |
Rental Car Coverage | Covers rental car expenses when your car is being repaired | Up to $40 per day, $800 maximum total coverage |
Personal Effects Coverage | Covers valuables in your car like electronics and equipment | Up to $800 coverage with $100 deductible |
Safety Glass Coverage | Waives comprehensive deductible for glass repair/replacement | Covers windshields, windows and light covers; no deductible |
Communication Endorsement | Covers communication devices and equipment | Coverage limits from $300–5,000 |
Other COUNTRY Financial Insurance Coverage Options to Consider
Beyond auto, COUNTRY Financial offers these coverage types directly or through third-party partners:
Who Offers It? | Insurance Products |
|---|---|
COUNTRY Financial (Directly Offered) | Auto, home, renters, condo, life, business, farm, crop, RV, boat, motorcycle, classic car, umbrella, landlord |
Third-Party Partner |
COUNTRY Financial Auto Insurance Review: Bottom Line
COUNTRY Financial is a strong option for car insurance, with its best scores in affordability, coverage options and customer experience. Compare quotes from at least three insurers before buying to make sure you're getting the right coverage at the right price.
COUNTRY Financial Car Insurance Reviews: FAQ
Does COUNTRY Financial insurance have a good reputation?
Yes, COUNTRY Financial is a legitimate car insurance company that ranked 25th in our car insurance provider analysis. It excels in coverage options, where it earned an eighth-place ranking among all providers we evaluated.
How does COUNTRY Financial rank in the states it operates in?
COUNTRY Financial falls outside the top five for most of the states it operates in.
How much does COUNTRY Financial car insurance cost on average?
COUNTRY Financial charges adults an average of $729 annually for state minimum coverage and $1,234 for full coverage. Annual premiums range from $684 to $2,585 for minimum and $1,130 to $4,438 for full coverage.
Is COUNTRY Financial known for denying claims?
COUNTRY Financial is criticized for claim denials. Policyholders report rejected claims for weather damage, auto accidents and property losses. Some reviews show dissatisfaction with its claims handling and settlement offers.
*This represents limited information based primarily on forum reviews.
Is COUNTRY Financial a good option for high-risk drivers?
COUNTRY Financial offers affordable coverage for drivers with a DUI. It ranks eighth for affordability among high-risk driver categories.
Does COUNTRY Financial raise car insurance rates over time?
Yes, COUNTRY Financial raises rates over time. Inflation has driven up repair and medical costs, and claims have increased due to distracted driving and severe weather. Rate adjustments also reflect updated risk assessments.
Is COUNTRY Financial good for young drivers?
COUNTRY Financial is a good choice for young drivers. It ranks ninth for affordability among all insurers we evaluated.
How We Rated COUNTRY Financial Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profilefor Analysis
We used a baseline driver profile for consistent rate comparisons:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid
- Insurance history: Currently covered with no previous claims
We modified age, driving record, credit score and military status to identify which insurers offer the best rates for different driver categories. Minimum coverage policies meet state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three factors:
- Cost (60%): Quotes from multiple driver profiles in each city were compared to measure how competitively each insurer priced its policies against local competitors.
- Customer satisfaction (30%): Customer feedback from Google reviews, J.D. Power ratings, AM Best scores and forums like Reddit informed this score.
- Coverage variety (10%): Each provider's coverage options were reviewed for range and any notable add-ons.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!