Country Financial Auto Insurance Review: Low Rates Backed by Excellent Customer Service
Review
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Country Financial is a great choice for those seeking comprehensive auto insurance policies at a price that's easy on the wallet. In addition to offering all the important vehicle protections, the company's claims handling is among the best in the industry. Read our full Country Financial auto insurance review to learn more.
Country Financial offers comprehensive coverage at affordable rates for most drivers. Its unique discounts help keep rates down and its strong claims satisfaction ratings keep customers loyal. But those seeking certain optional protections, like gap coverage, may have to go elsewhere.
Country Financial's auto insurance premiums tend to be cheaper than the national average. This is especially true for teen drivers, who pay less than half the national average rate with Country Financial.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $130.42 | $133.17 | $181.92 | $219.92 |
Country Financial auto insurance offers pretty affordable rates for most drivers. Teens and those with clean records can find especially good deals here. The following table shows how the insurer's average annual premiums stack up to the nation as a whole.
| Country Financial Average Rate | National Average Rate | |
|---|---|---|
| Clean Driving Record | $1,582 | $2,389 |
| Accident on Record | $2,183 | $3,370 |
| Speeding Ticket on Record | $2,116 | $3,032 |
| DUI on Record | $2,492 | $4,380 |
| 18 Years OId - New Driver | $2,639 | $6,291 |
| 65 Years Old - Senior | $1,379 | $2,140 |
| Military Service | $1,598 | $2,375 |
| Minimum Coverage (Liability Only) | $510 | $787 |
Country Financial offers a plethora of car insurance discounts, including some unique options. Many of its discounts are easy to achieve, and those who qualify for more than one could shave quite a bit off their auto insurance premiums.
Country Financial offers most of the basic types of vehicle insurance. But those looking for coverage for ATVs, UTVs, or classic cars will have to explore other options.
Country Financial offers all the standard car insurance coverage options required by law, as well as many common optional protections, like collision and comprehensive insurance. There's also a few rare extras, like personal effects coverage, that many other insurers don't offer. But Country Financial is also missing some common protections, like gap and ride-hailing coverage.
Country Financial only appears in the J.D. Power U.S. Auto Insurance Study for the North Central region, where it scored just above the regional average. However, its score in the U.S. Auto Claims Satisfaction Study was much higher. It beat out several better-known insurers to take the fourth place spot.
The company also has a National Association of Insurance Commissioners (NAIC) complaint ratio that's well below the national average. This suggests that few people are dissatisfied with the support they've received from the company.
Country Financial has a diverse range of insurance offerings, including rare policy types like crop and farm insurance. It's definitely worth considering for those hoping to get all their insurance in one place.
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When looking for an insurer that offers great customer service in all states: State Farm is a well-known insurer that offers nationwide coverage. It's fared pretty well in customer satisfaction surveys and it also offers drivers plenty of opportunities to customize their policies.
When looking for an insurer that offers more protections: Allstate offers flexible policies with plenty of optional endorsements so drivers can customize them as they see fit. Options include gap coverage, ride-hailing insurance, accident forgiveness, and more. Allstate car insurance is also available in all 50 states.
Country Financial is a great fit for:
But drivers who don't live in Country Financial's service area may want to check out State Farm, while those seeking more optional coverage may prefer Allstate.
At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
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