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| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 665 |
|---|---|
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $90/mo |
Impressive customer experience
Generous discounts and affordable rates
Many ways to customize policies
Available in only 19 states
Gap insurance not available
Limited online quote experience
Bottom Line: With shockingly low rates and top-notch customer ratings, COUNTRY Financial is one of the best car insurance options — as long as you live in an area where they operate.
COUNTRY Financial is a great choice for car insurance. The company offers affordable rates and an impressive customer experience, a rare combination.
The company’s long list of discounts, including reduced rates for teachers and first responders, can help you save even more. Plus, you can customize your coverage to fit your needs, whether that means protection for trip interruption or new car replacement.
Local agents can also help you get everything set up and answer any questions you might have. But keep in mind that you need to be in one of the 19 states that COUNTRY Financial serves to get coverage.
Here’s a look at how COUNTRY Financial performs in five key categories, each rated on a scale of one to five. Based on our research, the company achieves an impressive overall score of 4.85 out of 5.
Category  | Score |
|---|---|
| Cost | 5/5 |
| Customer satisfaction | 5/5 |
| Policy management | 4.6/5 |
| Availability | 3.7/5 |
| Industry reputation | 3.3/5 |
| Overall Score | 4.85/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s propriety Compare.com Rating, which highlights its overall standing among the industry’s best companies.
COUNTRY Financial is a top pick for budget-conscious drivers looking to save money on coverage. The company provides some of the most affordable rates without compromising on customer service. You can expect high-quality support, a straightforward claims process, and a wide variety of coverage options.
Finding comparable car insurance rates at other companies is nearly impossible, and even if you do, the customer experience often falls short.
COUNTRY Financial offers insurance products in only 19 states. Because of that lack of availability, many drivers can’t get coverage.
Even if coverage is available in your state, COUNTRY Financial doesn’t offer gap insurance. You can sign up for new car replacement coverage, but it doesn’t cover the difference between your car’s value and loan balance. That might be a deal-breaker if you have an expensive loan or lease.
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Insurance companies determine rates differently, so the insurer you choose affects how much you pay for coverage. Other factors also affect pricing, like the type of coverage you pick and your deductible amount.[1] Your driver profile — including your age, driving record, location, and credit history — influences the cost of your insurance, too.
Comparing rates for drivers with profiles similar to yours can help you get a better idea of how much you might pay for coverage.
Let’s take a look at COUNTRY Financial’s average full-coverage rates for various driver profiles, based on our data.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $90 |
| Teens | $127 |
| Seniors | $65 |
| Recent ticket | $131 |
| Recent accident | $128 |
| DUI conviction | $124 |
| Excellent credit | $83 |
| Bad credit | $104 |
Where you live affects your auto insurance rates. Insurers assess local factors like weather conditions, traffic patterns, and insurance laws. For instance, drivers in North Carolina pay some of the lowest rates in the country, whereas drivers in Maryland pay some of the highest.
The map below outlines the average cost of COUNTRY Financial coverage for different states, according to Compare.com data.
State_id | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $54 | $110 |
| Arizona | $156 | $268 |
| Georgia | $91 | $153 |
| Illinois | $70 | $132 |
| Minnesota | $148 | $262 |
| Nevada | $57 | $81 |
| Oregon | $104 | $179 |
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COUNTRY Financial offers the liability-only coverage you need to legally drive, with plenty of customization options. Liability coverage pays for repairs and medical expenses for the other driver when you cause an accident.[2] It doesn’t cover any of your own costs, though.
Full-coverage car insurance, on the other hand, includes extra protection. Full coverage helps pay for your repairs when you cause an accident, hit an object, or severe weather damages your car. You can also add more coverage, like roadside assistance or new car replacement.
Before finalizing your coverage, you can work with a local agent to ask questions and get a quote.
Here’s an in-depth look at some of COUNTRY Financial’s coverage options, including some that can be hard to find.
Emergency roadside assistance: You can get reimbursement for up to $100 for towing, fuel, or labor charges.
Underinsured/uninsured motorist: Add extra coverage that helps pay for your repairs and medical costs if a driver without enough coverage hits you.
New car replacement: If the cost of repairs exceeds the price of a new car, COUNTRY will pay for a new car of the same make and model.
Medical payments (MedPay): This coverage pays for your medical expenses and hospital bills, regardless of who’s at fault.
Trip interruption coverage: You can get up to $800 reimbursed for a rental car and other expenses while traveling more than 100 miles from home.
Vehicle rental coverage: You can get up to $40 per day for rental car reimbursement when your car is in the shop for claims-related repairs.
Car insurance discounts can help you save money on your coverage. You usually don’t need to do anything to qualify for most discounts. Your agent automatically applies it, saving you money and time.
COUNTRY Financial offers 12 discounts, including:
Multi-policy: Bundling home and auto insurance policies saves you money on both.
Occupation: Teachers, firefighters, police officers, and paramedics qualify for an additional discount of up to 15%.
Simply Drive: Teen drivers can earn a discount after completing COUNTRY Financial’s safe driving course.
Multi-car: Drivers with more than one car on the same policy get an extra discount.
Legacy: Parents can pass along existing discounts, including multi-car and multi-policy, to unmarried family members younger than 25.
Engaged couple: You can take advantage of an extra discount if your wedding date is within the next year and both soon-to-be spouses are between the ages of 21 and 29.
Good student: Teen drivers with at least a B grade point average can save up to 35% on coverage.
Good driver: Drivers with no accidents or traffic tickets for the last three years qualify for a good driver discount.
Advanced quote: If you have an active policy with a different insurer, you can get a discount by getting a quote from COUNTRY Financial and switching companies before it expires.
Defensive driver: Complete a state-approved driving course and earn an additional discount.
Anti-theft: You can get this discount if your car has anti-theft devices.
DriverIQ: COUNTRY Financial’s usage-based program can save you money by tracking your driving behavior.
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COUNTRY Financial’s claim process is straightforward and similar to other insurance companies. The biggest difference is that COUNTRY lets you start a claim on the phone, in the app, or online. Some insurers only offer one or two of those methods for filing claims, making them less accessible for some drivers.
Let’s take a look at what you can expect if you need to file a claim with COUNTRY Financial.
Create the claim. File a claim online, in the COUNTRY Financial mobile app, or call 1 (866) 268-6879.
Talk with an insurance claim representative. A claims representative will contact you to make a plan and talk about repair options. You work with the same person until the repairs are complete. Your agent can also provide support, but the claim representative is your primary contact.
Get repairs. After you complete the appraisal, create a plan for repairs and get your car fixed.
Roadside assistance claims work a little differently. If you need a tow or other roadside service, start by searching for a local service provider. You’ll pay for the service out of pocket and then file a reimbursement claim.
COUNTRY Financial is a reputable mutual insurance company that’s been in business for 100 years. Here’s a detailed look at the company, including its telematics program that rewards safe driving.
Founded | 1925 |
|---|---|
| Available in | 19 states |
| Owned by | Private |
| National average premium | $44 |
| Mobile app | Android, iOS |
| Customer service | 1 (866) 268-6879 |
| Claims | 1 (866) 268-6879 |
| Primary competitors | Allstate, State Farm, Progressive |
COUNTRY Financial’s DriverIQ telematics program saves you up to 25% based on your driving habits. Drivers who are safer behind the wheel can earn lower rates and save more money.
Just download the DriverIQ app and allow it to track your driving, including acceleration, braking, and phone usage. COUNTRY Financial offers an automatic 10% discount for enrolling in the program. When your policy renews, you can get an additional discount of up to 25% based on your driving habits.
Car and home insurance are COUNTRY Financial’s most popular options, but the company offers a wide variety of insurance products. You can even qualify for a multi-policy discount and save on your monthly premium.
COUNTRY’s insurance offerings include:
Home
Condo
Boat
Renters
Farm
Livestock
Pet
Life
Crop
Business
Motorcycle
RV
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Deciding on the best car insurance company can feel daunting. Luckily, we’ve got answers to some common questions about COUNTRY Financial to make your decision easier.
Yes. COUNTRY Financial is a good insurance company with a strong financial standing, excellent customer reviews, and solid insurance options. It’s one of the best car insurance companies, as long as you live in a state where it’s available.
COUNTRY Financial car insurance costs an average of $44 per month for liability coverage, according to Compare.com data. Full coverage costs an average of $90 per month.
It depends. COUNTRY Financial’s average rates typically aren’t expensive. But how much you pay for car insurance depends on a variety of factors, like your driving record and location. For example, your rates might be higher than average if you have a recent ticket or poor credit.
The best car insurance company depends on your priorities. Some drivers want the cheapest option, while others want specific coverage. COUNTRY Financial is one of the best options for budget-conscious drivers who want to save money.
Yes. COUNTRY Financial has an A+ (Superior) financial stability rating from AM Best.[3] This rating means the company has a strong financial standing and can afford to pay its claims.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
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Average Premium $67/mo* | Average Premium $68/mo* | Average Premium $116/mo* | Average Premium $81/mo* | Average Premium $115/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 14 user reviews | Special Highlight N/AAI-generated from 708 user reviews | Special Highlight N/AAI-generated from 834 user reviews | Special Highlight N/AAI-generated from 879 user reviews |