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Country Financial Car Insurance Review

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Introduction

In 19 states, Country Financial offers low-cost auto insurance that you can tailor to your specific requirements.

Pros and Cons

Pros Cons
Inexpensive for young drivers Only available in 19 states
Offers unique coverage No rideshare insurance offered
Excellent ratings for discounts  

Unique Country Financial Auto Insurance Features

Optional coverage add-ons are available for purchase from Country Financial auto insurance.

  • The Keeper new car coverage: The Keeper new car coverage pays for a brand-new car of the same make and model if you have a new car that is less than four model years old and has been severely damaged. In Arizona, you may be able to get a tax credit for an older vehicle as well.
  • Emergency road service: Towing, lockout, delivery of fuel or repair parts, and labour are all included in this coverage, which pays up to $100 per incident.
  • Vehicle rental and trip interruption: Rental cars and other travel-related expenses like transportation and lodging will be reimbursed up to $800 in covered loss cases if you are more than 100 miles from home. If you are pre-approved, you can rent a vehicle from any other company, as long as you have a direct bill programme with Enterprise Rent-A-Car. A cab or ride-sharing service can be utilised with this money as well. State-by-state variations in coverage are possible.
  • Safety glass coverage: If you have comprehensive insurance, you can avoid paying your deductible if you need to replace or repair any of your car's glass, including the windows, windshields, or light covers.
  • Personal effects coverage: Personal effects insurance protects up to $800 worth of valuables in your vehicle. You'll be responsible for the first $100 of your insurance premium.
  • Umbrella insurance: Additional liability coverage of up to $1 million or more is provided by umbrella insurance.

Country Financial Auto Insurance Coverages

Country Financial offers a wide range of coverage options, allowing you to tailor your policy to your specific needs and preferences. Country Financials ‘standard coverage includes:

  • Bodily injury liability coverage: Protection against financial loss as a result of bodily injury or death caused by your negligence in the event of an accident.
  • Collision coverage: It covers the cost of car repairs in the event of an accident.
  • Medical payments coverage: If your car is stolen, vandalised, or damaged by an event other than an accident with another vehicle, this coverage helps to cover the costs of repair.
  • Coverage for medical expenses: Medical expenses incurred as a result of an accident are covered.
  • Property damage liability: Liability insurance protects you if your car causes damage to someone else's property.
  • Uninsured/underinsured motorist coverage: Provides financial security in the event of an accident caused by a driver who lacks insurance or inadequate coverage.

To understand more about the different types of auto insurance coverage options in detail, check out types of auto insurance coverage in the US.

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Country Financial Auto Insurance Rates

Country Financial Rates for Teen Drivers

Age / Category Annual Rates
18-year-old Male $7,100
18-year-old Female $6,250

Country Financial Rates for Young Adults

Age / Category Annual Rates
42-year-old Male $1,735
42-year-old Female $1,705

Country Financial Rates for Seniors

Age / Category Annual Rates
80-year-old Female $2,035

Country Financial Car Insurance Rates Vs Competitors

Company Annual minimum coverage cost Annual full coverage cost
State Farm $377 $959
Country Financial $459 $1,268
Progressive $472 $1,342
American Family $600 $1,656
Geico $862 $2,025
Allstate $930 $2,725
Farmers $1,114 $2,458

Country Financial Auto Insurance Discounts

Most car insurance providers offer some discounts to encourage customer loyalty and reward safe driving practices. Here is a quick look at the various discounts you may be eligible for if you get Country Financial auto insurance.

  • College graduate discounts
  • Engaged couple discounts
  • Good driver discounts
  • Good student discounts
  • Occupation discounts
  • Legacy discounts
  • Multi-policy discounts
  • Multi-car discounts
  • Advanced quote discounts
  • Anti-theft discounts
  • Defensive driver discounts
  • Simply drive discounts

Country Financial Complaints and Customer Satisfaction

A.M. Best Co., which assesses a company's financial stability, gave Country Financial high marks. This means that Country Financial has a superior ability to meet its long-term insurance obligations, which earned it an A+ grade.

Way Summary

Country Financial has a lot going for it, including low median annual premiums, numerous insurance discounts, and high ratings from independent organisations like J.D. Power and AM Best. Before requesting a free quote, make sure you live in one of the 19 states where they offer auto insurance.

About Country Financial Car Insurance

For consumers, businesses, and farms, Country Financial provides a wide range of insurance options. When purchasing auto and homeowner's insurance, customers can save money by bundling their policies with this provider. Country Financials' auto insurance policies include all the coverage you'd expect, such as liability, collision, comprehensive, and more. Roadside assistance and new car replacement coverage are also available as add-ons to your insurance policy. Country Financial also had lower annual premiums than the other top car insurance companies. If you live in their service area, they are an excellent choice.

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A Brief History of Country Financial

Fire and lightning insurance were the first products Country Financial sold when it was founded in 1925. The following year, the company expanded its product line to include crop hail insurance and farm equipment coverage to better meet the demands of its customers. In 1927, the company added automobile insurance to its list of offerings.

Country Financials' Charitable Causes

Country Financial has stepped in to help hospitals, healthcare workers, and first responders as the COVID-19 pandemic spread across the country and did put some additional strain on the nation's infrastructure. The company donated around $3 million to first responders, medical workers, and military personnel in the communities through Operation Helping Heroes programme.

As a result, COUNTRY Financial made a donation of $700,000 to more than 500 first responder and military organisations in 2019. Lifesaving automated external defibrillators (AEDs), bulletproof vests, and training equipment and programmes were purchased with some of the funds.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is Country Financial a good insurance company?

Yes, it is. Country Financial has a lot going for it, including low median annual premiums, numerous insurance discounts, and high ratings from independent organisations like J.D. Power and AM Best.

Does Country Financial do sr22 insurance?

As of now, no. Country Financial does not have a provision of SR22 insurance.

Does Country Financial offer gap insurance?

Nope. Country Financials' auto insurance policies include all the coverage you'd expect, such as liability, collision, comprehensive, and more.

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