Country Financial Auto Insurance Review 2022

Dec 17, 2021

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Our Take

4.5

NerdWallet rating 

The bottom line:

Country Financial has few customer complaints for auto insurance, but is available in only 19 states.

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Country Financial Auto Insurance
Country Financial
NAIC complaints
Far fewer than expected
Ease of use
Above average
Discounts
Average set of discounts

Pros & Cons

Pros

  • Fewer than expected consumer complaints for auto and life insurance.
  • Offers rideshare insurance in Oregon.

Cons

  • Not available in all states.

Full Review

Started by Illinois farmers, Country Financial has its roots in the Midwest as a farm and crop insurer. Now the company offers a full slate of insurance products for both city and rural dwellers in 19 states.

Besides car, home, life and other insurance policies, the company offers retirement and college savings plans.

Country Financial is among NerdWallet’s Best Car Insurance Companies.

Country Financial auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

Country Financial offers the usual auto insurance coverage, including liability, comprehensive and collision policies.

Additional options include:

  • Safety glass: Waives the comprehensive insurance deductible for glass repairs.

  • Vehicle rental and trip interruption: Reimburses up to $800 for a rental car if you can’t drive your vehicle because of damage from a covered accident. You’ll also receive coverage for hotels and meals if the accident occurs more than 100 miles from home. The maximum reimbursement amount varies by state.

  • Personal effects: Covers up to $800 of belongings in the car.

  • New car replacement: Designed for newer vehicles up to four model years old (three years for Georgia and Idaho residents), this coverage pays for a brand-new car if yours is totaled in an accident or suffers other damage covered under the policy.

  • Rideshare insurance: If you drive for a rideshare company or a delivery service like GrubHub or Instacart, this option allows you to have one policy that covers both personal and ridesharing use. This coverage is available only in Oregon.

Auto insurance discounts

Country Financial auto insurance discounts include:

  • Discount if you get a quote before your current policy expires.

  • Discount for couples getting married within the year who insure all vehicles with Country Financial. Must be at least 21 years old.

  • Discount for having a car with an alarm or anti-theft device.

  • Discount for completing a defensive driving course.

  • Multipolicy and multicar discount.

  • Discount for not having any tickets or accidents for at least three years.

  • Good student and college graduate discount.

  • Legacy discount for unmarried drivers who are under 25 and have parents who qualify for a multicar and multipolicy discount.

  • Discount for newly licensed drivers who complete a Country Financial course. Must be 16 or 17 years old.

  • Discount for full-time teachers, firefighters, police officers, emergency medical technicians and paramedics.

Pricing based on tracked driving habits

Country Financial’s DriverIQ app tracks driving behavior like speeding, hard braking and whether you use your phone while driving. You’ll receive a discount for signing up, and you could earn additional savings based on your driving habits when you renew your policy.

Although your driving is tracked, Country Financial won’t raise your rates or cancel your policy based on DriverIQ data.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Country Financial homeowners insurance

Country Financial offers basic homeowners insurance, an upgraded option and a combination policy. Learn more in our Country Financial home insurance review.

Country Financial life insurance

Term life insurance: Coverage of $50,000 to more than $1 million is available for terms of 10, 15, 20 or 30 years.

For no cost you can add an accelerated benefits rider, which allows you to use part of your death benefit while you’re alive to help with terminal illness expenses.

You can also add extra features to a term life insurance policy for additional cost:

  • The return-of-premium option refunds the premiums paid if you’re still living at the end of a 20- or 30-year policy.

  • The disability waiver-of-premium option lets you keep the coverage without paying the premium if you become disabled before age 65.

  • You can add up to $50,000 of term life coverage for each of your kids if they are 17 or younger. Your children will then have the option to convert this coverage to permanent life insurance at age 23 without any additional medical exams.

  • The insured term rider allows you to customize your policy to provide different coverage limits over the course of the policy term. This gives you extra coverage when you need it for responsibilities like your mortgage or a child's college education.

Whole life insurance: A variety of payment options are available for whole life insurance, including making payments until age 65 or 95, making payments for 10 or 20 years, or making one lump-sum payment.

Universal life insurance: Country Financial’s universal life insurance offers permanent coverage if you pay your premiums and don’t cancel the policy. It is a more affordable option than whole life coverage, with fewer benefits. As with term insurance, riders can be added at an additional cost, such as child term insurance and disability waiver-of-premium. Accelerated benefits are also available at no additional cost.

Complaints

Country Financial had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. It had fewer than the expected number of complaints for life insurance.

More about Country Financial auto insurance

Website: Country Financial’s website gives basic overviews on insurance and the company’s products, and features financial articles and tools. You can also get an insurance quote, find an agent, pay premiums and report claims.

Other insurance from Country Financial

Other types of insurance from Country Financial include:

  • Renters insurance.

  • Recreational vehicle insurance.

  • Motorcycle insurance.

  • Crop, farm and ranch insurance.

  • Boat insurance.

  • Business insurance.

  • Condo insurance.

  • Mobile home insurance.

  • Landlord insurance.

  • Medicare supplement insurance.

Country Financial also sells pet insurance through a partnership with Crum & Forster Pet Insurance Group.

Methodology

Auto insurance ratings

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.

Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Frequently asked questions