Country Financial
- Far fewer consumer complaints than expected for auto insurance.
- Offers several uncommon discounts.
- Offers fewer coverage options than some competitors.
- Not available in all states.
NerdWallet's take on Country Financial auto insurance
Country Financial earned 4.7 out of 5 stars for its excellent consumer satisfaction score, as well as its helpful and informative web experience.
Best for: Drivers who want to bundle different insurance policies or take advantage of other financial tools.
Not ideal for: Drivers who don’t want multiple types of insurance or need an insurer that offers more coverage options.
Where Country Financial car insurance stands out
Expanded discounts. While many of its discount offerings are standard across companies, Country Financial has a few that stand out. For example, its good student discount applies to current students as well as college graduates under 25 years old.
Cheaper pricing for high-risk drivers. You might get competitive rates from Country Financial if you struggle finding affordable rates due to personal information, such as having poor credit or a recent DUI. (This is according to our November 2025 analysis in states where we have car insurance rates data for Country Financial.)
Insurance companies use terms like “nonstandard” or "high-risk" to refer to drivers who usually pay more for insurance. You might be in this category if you have had multiple car accidents or speeding tickets, a lapse in coverage or a serious offense like a DUI.
Where Country Financial car insurance falls short
Limited coverage options. Country Financial doesn’t offer as many types of coverage as its competitors. You may not need every type of coverage out there, but fewer options can make it harder to get exactly what you’re looking for.
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How much does Country Financial car insurance cost?
Country Financial car insurance costs an average of $238 per month or $2,861 per year for a full coverage policy, according to our November 2025 analysis. The national average is $2,300 per year.
Country Financial car insurance costs an average of $76 per month or $908 per year for minimum coverage, according to our November 2025 analysis. The national average is $627 per year.
» MORE: Compare car insurance rates
Country Financial auto insurance rates by age
Your age is one of the most influential factors in determining your car insurance prices. Insurers treat your age as an indication of how risky you are when you drive. For example, a teenager has a lot less driving experience than someone in their 60s, so the teen will likely end up paying a lot more for coverage.
To help you see the difference age can make, here are Country Financial's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Country Financial car insurance for 20-year-old drivers is $4,814 per year, or $401 per month. The national average for this age group is $4,684 per year, or $390 per month.
Adult drivers. The average cost of Country Financial car insurance for 40-year-old drivers is $2,825 per year, or $235 per month. The national average for this age group is $2,232 per year, or $186 per month.
Senior drivers. The average cost of Country Financial car insurance for 60-year-old drivers is $2,613 per year, or $218 per month. The national average for this age group is $1,988 per year, or $166 per month.
- More Country Financial auto rates by age
Age Company median rate National median rate 20 $4,814 $4,684 30 $3,115 $2,375 35 $2,861 $2,300 40 $2,825 $2,232 50 $2,728 $2,074 60 $2,613 $1,988 70 $2,662 $2,125
Country Financial auto insurance rates by driver profile
In addition to your age, insurers will evaluate things like your driving history and your insurance-based credit score when you get a quote. Each company has its own process for that, which is why you’ll usually get different prices from each company, even if your personal information doesn’t change.
Below are Country Financial's average full coverage rates for 35-year-old drivers for a few common driver types:
Poor credit. The average cost of Country Financial car insurance for drivers with poor credit is $3,833 per year, or $319 per month. That's compared to the national average, which is $3,850 per year, or $321 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Country Financial car insurance for a driver with a speeding ticket is $3,485 per year, or $290 per month. That's compared to the national average, which is $2,931 per year, or $244 per month.
At-fault crash. The average cost of Country Financial car insurance for a driver with an at-fault crash is $3,565 per year, or $297 per month. That's compared to the national average, which is $3,405 per year, or $284 per month.
DUI. The average cost of Country Financial car insurance for a driver with a DUI is $3,875 per year, or $323 per month. That's compared to the national average, which is $4,265 per year, or $355 per month.
Country Financial auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Getting a Country Financial quote before your current policy expires.
Being engaged while planning to have your wedding within the year, insuring all vehicles with Country Financial, and being 21 to 29 years old.
Having a car with an alarm or anti-theft device.
Completing a defensive driving course.
Insuring multiple cars and/or having multiple policies with Country Financial.
Not having any tickets or accidents for at least three years.
Meeting Country Financial’s requirements for a good student.
Being a college graduate under the age of 25.
Being an unmarried driver under the age of 25 with parents who qualify for a multicar and multipolicy discount.
Being a full-time teacher, firefighter, police officer, emergency medical technician or paramedic.
For additional savings, Country Financial offers the Simply Drive program, which teaches safe driving habits to teen drivers. If you have an eligible young driver on your policy, you may earn a 10% discount if they complete the Simply Drive course.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Country Financial car insurance coverage
Country Financial's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Country Financial also offers some types of optional coverage, such as:
New car replacement. This will pay for a new car (the same make and model) to replace a totaled vehicle.
Personal items. If you have home insurance from Country Financial, the personal effects coverage from your home policy will cover items stolen from inside your vehicle.
Rental car reimbursement. Country Financial will cover up to $800 for a rental car if you’re in an accident. And if the claim happened more than 100 miles from your home, this add-on can also cover your transportation, lodging and food expenses.
Windshield replacement. This coverage will pay to replace your windows, windshield or headlights.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
Country Financial’s DriverIQ program
The DriverIQ program uses a mobile app to track driving habits like braking, speeding and phone use. You’ll receive a 10% discount just for enrolling, and your discount may go up or down depending on your driver score, up to a maximum 25% discount.
Is Country Financial a good insurance company?
State regulators received far fewer than the expected number of complaints about Country Financial’s auto insurance compared to similar-sized companies. This is based on three years of data from the National Association of Insurance Commissioners, and it’s usually a good indication of how drivers feel about an insurer.
See what you could save on car insurance
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More information about Country Financial car insurance
Customer service: Call 866-268-6879 or get in touch with a Country Financial agent.
Website: Country Financial’s website gives overviews on types of car insurance coverage and the company’s other products, including personal finance tools. You can also get an insurance quote, find an agent, pay premiums and report claims online.
Mobile app: The Country Financial Mobile app lets you manage your accounts, pay bills, get roadside assistance, access your ID cards, track claims and even chat with your agent. You can download the app on both Android and Apple devices.
Other Country Financial insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How can you get an auto insurance quote from Country Financial?
How can you get an auto insurance quote from Country Financial?
You can get a Country Financial quote online or by calling 844-349-8416. If you use the website, you’ll need to call and speak with an agent to actually purchase a policy.
How can you report a claim to Country Financial?
How can you report a claim to Country Financial?
You can report your claim online, through the Country Financial mobile app or by calling 866-268-6879.
What insurance products can you bundle to receive discounts from Country Financial?
What insurance products can you bundle to receive discounts from Country Financial?
Depending on where you live, you may qualify for a multipolicy discount if you buy auto insurance from Country Financial in addition to other products like home, life or disability income insurance. You may also be eligible if you have a Country Financial bank account or annuity of over $1,000.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
