Country Financial Auto Insurance Review: Quotes and Service (2023)

If you look at ratings Country Financial Auto Insurance has received from companies like J.D. Power and AM Best, the company positively differentiates itself from other insurance companies with ratings above the curve. That makes the company an especially attractive option for those who prioritize customer service in their insurance company.

MoneyGeek acquired auto insurance quotes for sample drivers in every state, including the 19 states where COUNTRY Financial sells auto policies, and averaged them. In the states where COUNTRY Financial car insurance is available and MoneyGeek has data for the insurer, we found that it is neither cheap nor expensive, costing an average of $1,193 per year.

For MoneyGeek’s core driver getting full coverage, a driver getting minimum coverage, and a driver with a speeding ticket, policies from COUNTRY Financial are neither cheap nor expensive. For teens or young drivers, COUNTRY Financial is relatively inexpensive.

As you look for the cheapest car insurance policy, it is worth assessing the insurer’s financial strength, complaints rating and customer service, among many other factors, before making a decision. A good price is important, but sometimes, paying more for quality service makes sense.

COUNTRY Financial is neither cheap nor expensive for drivers getting full coverage or minimum coverage and drivers with a speeding ticket. Young drivers can find cheap rates from COUNTRY Financial.

COUNTRY Financial, like most insurers, isn’t transparent about how it calculates auto insurance rates for driver profiles. For example, many auto insurance companies charge higher rates to young and inexperienced drivers because they consider them to be a higher risk. But COUNTRY Financial likely does not weigh age and experience as much since it provides cheap rates to teen drivers.

COUNTRY Financial sells auto policies with standard liability or state minimum coverage, comprehensive and collision insurance. It also offers typical policy add-ons like roadside assistance, rental car and/or travel reimbursement and new car replacement coverage. Unfortunately, if you want accident forgiveness, gap insurance, deductible modification or better car replacement, they are not available from COUNTRY Financial.

COUNTRY Financial offers some unique coverages. Glass deductible modification is very useful if you live in an area where windshield or headlight damage is common from weather events since your comprehensive deductible does not apply with this coverage to these repairs. The portable electronics and media coverage pays you for personal items stolen in your car, including a phone or a laptop, with a limit of $800.

Country Financial provides comparable support and features that you would find with some of the national insurers. It even goes beyond the typical car insurance coverages to offer less common options like savings schemes and roadside assistance.

Country Financial offers a wide array of other insurance options. That can be especially helpful if you want to take advantage of bundling, which can help you save. However, keep in mind that, in general, it’s still important to look into other options as you may save more by going with another insurer.

A.M. Best’s ratings system focuses on the financial strength of an insurer as a way to gauge how well-positioned it is to be able to meet its financial obligations to customers. According to Country Financial’s A+ rating, the company is stable in this regard. Just keep in mind that this rating is an estimate, not a warranty.