COUNTRY Financial ranks 25th overall nationally, placing it outside the top tier of best car insurance companies. It performs best in coverage options and affordability, earning eighth place for coverage and 19th for affordability.
COUNTRY Financial Car Insurance Review
Updated: October 13, 2025
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Key Takeaways
COUNTRY Financial ranks 10th for full coverage affordability and 24th for minimum liability coverage with average rates of $106 and $62 monthly respectively.
COUNTRY Financial ranks 22nd nationwide for overall customer satisfaction, falling behind competitors despite its focus on personalized agent service and positive online reviews.
COUNTRY Financial earns the eighth spot for coverage options, offering unique features like accident forgiveness and new car replacement coverage for total losses.
COUNTRY Financial Car Insurance Ratings
| Overall Score | 4.05 | 25 |
| Customer Experience | 3.72 | 22 |
| Coverage | 3.83 | 8 |
| Affordability | 4.26 | 19 |
Who Is COUNTRY Financial Car Insurance Best and Worst For?
COUNTRY Financial works well for young drivers, those with DUIs, drivers with bad credit and low-income households.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.35 | 10 |
How Much Does COUNTRY Financial Car Insurance Cost?
Your COUNTRY Financial car insurance costs can range from $57 to $390 monthly, depending on your profile and coverage choices.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level: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% depending on your driving profile, involvement in programs and your area. Check out its offerings:
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 comprehensive customer experience study. It excels in agent service quality, with knowledgeable local representatives.
Its online platform receives mixed reviews, with some finding it less intuitive than competitors. Claims handling processing times are long.
Buying Process Experience
The buying process receives mixed feedback, with some customers praising helpful and responsive agents.
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 | Significantly fewer complaints than expected (well below industry average) |
COUNTRY Financial Car Insurance Reddit and Forum Customer Satisfaction
Reddit users and forum members appreciate COUNTRY Financial's competitive rates, personalized agent relationships and strong financial stability. Common complaints include claims processing delays, poor adjuster communication and rate increases at renewal.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Most customers express frustration with how COUNTRY Financial handles claims and lacks responsiveness, a common problem with claim resolution:
"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."
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."
Customer Service
Agent service experiences vary widely, which likely can be attributed to 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, rating 4.8 out of 5 on some platforms but users report limitations with online claim management:
"COUNTRY Financial's website gives basic overviews on insurance and it's 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
As is the case with established regional insurers, trust varies by individual experience, and there's mixed sentiment online, with COUNTRY Financial maintaining strong financial ratings:
"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
People appreciate the range of coverage options and unique discounts available, but express frustration when policies are unexpectedly renewed or canceled:
"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 dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
COUNTRY Financial Car Insurance Coverage Options
COUNTRY Financial provides standard coverage options similar to other major insurers, including liability, comprehensive and collision protection. Additional add-ons from it include:
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 | Protects 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 to $5,000 |
Other COUNTRY Financial Insurance Coverage Options to Consider
Here are insurance types beyond auto you can bundle or buy separately:
Who Offers It? | Insurance Products |
|---|---|
COUNTRY Financial (Directly Offered) | Auto insurance, home insurance, renters insurance, condo insurance, life insurance, business insurance, farm insurance, crop insurance, RV insurance, boat insurance, motorcycle insurance, classic car insurance, umbrella insurance, landlord insurance Auto insurance, home Insurance, motorcycle insurance, RV/trailer insurance, boat insurance, commercial auto insurance, commercial business insurance (select lines), umbrella insurance, renters insurance |
Third-Party Partner | Pet insurance (through Crum & Forster Pet Insurance Group), individual health insurance (through CC Services, Inc.), manufactured/mobile home insurance (through Foremost and American Modern), deferred income annuities (through unaffiliated third-party insurers) |
COUNTRY Financial Auto Insurance Review: Bottom Line
COUNTRY Financial is a strong option for car insurance, ranking best in affordability, customer experience and coverage. It earned 24th place for full coverage and 27th for minimum coverage overall. But we recommend you compare insurers and decide on coverage needs before buying to get the best deal.
COUNTRY Financial Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about COUNTRY Financial car insurance:
Does COUNTRY Financial insurance have a good reputation?
Yes, COUNTRY Financial is a legitimate car insurance company that ranked 25th in our comprehensive car insurance provider analysis. It excels in coverage options, where it earned an eighth-place ranking among all providers we evaluated.
Where is COUNTRY Financial the best car insurance company?
COUNTRY Financial falls just outside of 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 denials of claims. Policyholders report rejected claims for weather damage, auto accidents and property losses. Some reviews indicate dissatisfaction with it's claim handling processes and settlement offers.
Note: 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, ranking eighth overall for affordability among high-risk driver categories.
Does COUNTRY Financial raise car insurance rates over time?
Yes, COUNTRY Financial raises rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather. Rate adjustments also reflect updated risk assessments.
Is COUNTRY Financial good for young drivers?
COUNTRY Financial proves to be a solid choice for young drivers, ranking 9th for overall affordability among insurers.
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 Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- 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 and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting 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 key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.