Country Financial Insurance Review

Country Financial Review Summary

Country Financial is a pretty good insurance company, earning a 2.9/5 rating from WalletHub editors and good scores from organizations like Better Business Bureau and J.D. Power.

Country Financial offers insurance and other financial services in 19 states, including Illinois, Georgia, and Washington. Country Financials insurance offerings include auto, farm, life, and property insurance, and the company also provides retirement and investment services. Founded in 1925, Country Financial is headquartered in Bloomington, Illinois.

Summary: Country Financial Scores by Review Category

Now that you’re familiar with how Country Financial scores in each of our review categories, let’s see how it compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.

Country Financial Customer Service & Reviews

Category Rating: 42% (12.5 out of 30)

• Reviews on WalletHub: 2.1/5
• J.D. Power: 3.3/5
• NAIC: 0.54
• BBB: A-

Country Financial isn’t the best when it comes to customer service and has received an average score in this category, with a few points deducted because of the fact that it doesn’t offer 24/7 live support.

Country Financial’s Financial Stability

Category Rating: 100% (4 out of 4)

• AM Best: A+

When it comes to financial strength, Country Financial has a good rating from AM Best, one of the nation’s leading credit rating agencies for the insurance industry.

Country Financial Claims

Category Rating: 67% (10 out of 15)

Country Financial lets you file claims online or over the phone. However, it doesn’t have 24/7 claims support. Country Financial limited accessibility has earned it a mid-score in this category.

Country Financial Types of Insurance

Category Rating: 100% (5 out of 5)

• Car Insurance
• Motorcycle Insurance
• Boat Insurance
• Recreational Vehicle Insurance
• Home Insurance
• Condo Insurance
• Renters Insurance
• Landlords Insurance
• Farm Coverage Insurance
• Livestock Insurance
• Country Estate Insurance
• Life Insurance
• Medicare Supplement Insurance
• Crop Insurance
• Pet Insurance

Country Financial offers a wide variety of insurance options, so it got the highest score possible in this category. Country Financial also offers many extra coverage options and benefit programs that give auto policies enhanced protection.

Supplemental Country Financial Car Insurance Options:

• Collision coverage: If you are in a car accident and you collide with another car or something else, like a tree, highway guardrail or mailbox, your auto insurance collision coverage would cover the cost to repair your car, subject to the limits in your coverage and minus the deductible.
• Comprehensive coverage: Your comprehensive coverage protects you when something happens to your car causing damage. If your car is stolen, vandalized or damaged by something, like a tree branch falling on it, your auto insurance comprehensive coverage would cover the cost to repair your car, subject to the limits in your coverage and minus the deductible.
• Medical payments coverage: Medical payments coverage pays for medical expenses for you and your passengers following a car accident, regardless of who is at fault. This coverage is sometimes referred to as MedPay.
• Personal Injury Protection coverage: Personal Injury Protection (PIP) coverage, which is required in some states, extends coverage beyond just medical costs. In addition to medical expenses, PIP provides coverage for 1) Lost wages if you or your injured passengers are unable to work due to injuries 2) Rehabilitation costs for physical therapy, occupational therapy, or other services needed for recovery.
• Liability protection to cover damage to others: If you own a vehicle, in most states you're required by law to have liability coverage. If you're in an accident and are found to be at fault, your liability insurance will cover the damages that you're responsible for up to your policy limits. Again, you set those limits when you buy or update your policy with your insurance agent. There are two types of liability protection - Bodily Injury and Property Damage.
• Bodily Injury Liability: If you cause an accident and others are injured, your bodily injury liability coverage can provide protection for cost related to that injury including medical expenses including the cost of hospitalization, surgery, and other medical treatments, Lost wages if the person injured is unable to work due to their injuries, Lost wages if the person injured is unable to work due to their injuries and Legal fees and judgments.
• Uninsured Motorist Coverage: If the other driver doesn't have insurance at all, your Uninsured Motorist Coverage can help cover the damage to your car and medical cost and lost wages resulting from any injuries you incurred in the accident. This is optional coverage that can provide you with peace of mind knowing you're covered even when the other driver isn't.
• Underinsured Motorist Coverage: Underinsured Motorist Coverage protects you when you're in an accident with someone who has auto liability insurance, but it's not enough to cover the damage. If the accident was the other person's fault, their car insurance should pay the expenses. But if they are carrying their state minimum coverage, the amount required by law in their state, it may fall short of your car repair cost or medical expenses. Your Underinsured Motorist Coverage can help fill the coverage gap to help you recover from the accident.

 Specialty Types of Country Financial Car Insurance Policies:

• The Keeper®: This coverage helps protect your investment in a new car purchase. If your new car sustains severe damage in a covered accident, most insurance companies will only pay you the current market value of your car. COUNTRY will pay you for a brand-new car, same make and model as long as the cost of the damages exceeds the new car pricing. Ask your insurance agent about The Keeper for full details on how this coverage works.
• Emergency Roadside Assistance: When you're stranded on the side of the road or you lock your keys in the car, your roadside assistance or emergency road service coverage can help. You’ll be reimbursed up to $100 total for towing, delivery of fuel, repair parts and labor charges.
• Rental car coverage: Vehicle rental and trip interruption coverage helps if you have an accident away from home. Get reimbursed up to $800 for a rental car if you have a claim. If you have an accident more than 100 miles from home, this coverage also applies to travel expenses like transportation, lodging, and meals. These expense limits are different for each state, so ask your rep what this coverage looks like where you live.
• Personal effects coverage: Personal effects coverage protects you if things like your phone or laptop are stolen from your car. Just remember, the limit is $800.
• Windshield replacement insurance: Safety glass coverage helps if your windshield, car windows or headlight covers need repair. If you have this additional insurance, you don’t have to pay your Comprehensive coverage deductible.
• Umbrella liability insurance: Umbrella insurance is an extra layer of liability insurance over what you have in your auto and home insurance. The additional insurance is designed to protect you and your finances against large liability claims such as major accidents or legal settlements.

If you’re thinking about adding a supplemental coverage option to your policy or signing up for a specialty insurance policy, get in touch with a Country Financial agent to make sure the extra coverage makes sense for your personal situation and your wallet.

Country Financial Discounts

Category Rating: 60% (3 out of 5)

• Multi-Policy Discount
• Multi-Car Discount
• Legacy Discount
• Engaged Couple Discount
• Occupation Discount
• Good Student Discount
• College Graduate Discount
• Good Driver Discount
• Advanced Quote Discount
• DriverIQ® Program Discount
• Simply Drive® Discount
• Defensive Driver Discount
• Anti-Theft Discount

Country Financial offers 13 discounts, which is not as many as some of its competitors. Since it offers an average number of discounts, Country Financial received a mid-score in this category.

Country Financial Transparency

Category Rating: 100% (5 out of 5)

You can find key information on the Country Financial website quickly and easily, so it gets the best score possible in the transparency department.

Bottom Line

Country Financial is a pretty good insurance company that offers a wide variety of coverage options and other benefits to its members. Fortunately, Country Financial has a largely transparent, fairly easy-to-use website. However, Country Financial didn’t score well when it comes to financial stability and discounts.

Country Financial Car Insurance vs. Competitors

*Complaints Score represents the company's overall NAIC rating. Car insurance-specific rating may differ.
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare.