COUNTRY Financial Auto Insurance Review for 2025 (See if They’re a Good Fit!)

This COUNTRY Financial auto insurance review found one of its top benefits is its affordable coverage rates for good drivers.

Additionally, the company provides valuable discounts, including 30% off for students with good grades and up to 25% off when bundling home and auto insurance.

Rating Criteria
Overall Score	4.4
Business Reviews	4.5
Claims Processing	4.0
Company Reputation	4.5
Coverage Availability	3.9
Coverage Value	4.6
Customer Satisfaction	2.1
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.8
Plan Personalization	4.5
Policy Options	5.0
Savings Potential	4.9

On the downside, COUNTRY Financial may be less affordable for drivers with poor records, such as those with DUIs. The company also only operates in 19 states, limiting its availability.

Drivers seeking affordable insurance with clean records will likely benefit most from COUNTRY Financial. However, it’s always wise to compare multiple quotes before committing to any insurer.

COUNTRY Financial Auto Insurance Rates

COUNTRY Financial, a company with roots in farm and crop insurance, has grown into a full-fledged provider, offering car coverage in 19 states in the U.S.

When it comes to COUNTRY Financial’s minimum coverage auto insurance rates, the company offers competitive options across all age groups.

As expected, young drivers, especially young males, face the highest premiums across the board, especially for full coverage auto insurance.

Still, COUNTRY Financial offers competitive rates on minimum liability limits for all types of drivers.

However, bear in mind that for many drivers, minimum coverage simply doesn’t offer the coverage they need for their vehicles.

While full coverage costs more, it’s a great option for anyone with a newer vehicle or with a car that has a loan or lease.

Keep in mind that age is just one factor that auto insurance companies use to calculate your car insurance rates.

COUNTRY Mutual Insurance Company will also take a look at your driving record. Take a look at rates by driving record in the table below.

Drivers with a clean record will find minimum auto insurance coverage to be very affordable at Country Financial.

COUNTRY Financial Auto Insurance Rates vs. the Competition

How does COUNTRY Financial compare to other car insurance companies? COUNTRY Financial stands out for being consistently affordable, often ranking among the cheapest options.

Take a look at COUNTRY Financial rates versus competitors below, such as COUNTRY Financial vs. State Farm.

Insurance Company	Minimum Coverage	Full Coverage
	$30	$100
	$29	$112
	$30	$74
	$19	$64
	$91	$285
	$25	$62
	$29	$78
	$24	$65
	$30	$95
	$42	$132

COUNTRY Financial’s full coverage auto insurance rates are cheaper than Liberty Mutual and Travelers.

Learn More: Compare Online Car Insurance Quotes to Save Money

For minimum coverage, their rates are competitive and often more affordable than those offered by most insurers.

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$30	$39	$46	$59
	$29	$157	$183	$224
	$30	$40	$48	$61
	$19	$26	$31	$41
	$91	$118	$142	$180
	$25	$32	$39	$51
	$29	$38	$46	$60
	$24	$30	$36	$47
	$30	$39	$47	$62
	$42	$55	$66	$84

When comparing COUNTRY Financial to other companies by driving record, COUNTRY Financial is best for good drivers. Drivers with accidents, tickets, or DUIs will find COUNTRY Financial more expensive than other companies.

Auto Insurance Coverages Available at COUNTRY Financial

Now, let’s dive into the coverage options COUNTRY Financial offers. We all know insurance can be confusing, with different types and levels of coverage. So, let’s break it down.

There are two main categories: minimum coverage and full coverage. Minimum coverage is the bare minimum required by law to drive and register your car. It’s like a safety net, but with smaller holes.

Full coverage offers broader protection for your car, but it comes at a higher cost. It’s optional but recommended if you have a car loan or lease, or if you simply want more peace of mind. You can get a quote for coverages directly from COUNTRY Financial’s website.

COUNTRY Financial caters to policyholders who need full coverage, along with individuals who want to simply meet their state’s car insurance requirements.

Take a look at what auto insurance coverages COUNTRY Financial offers below.

Liability coverage protects you financially if you’re responsible for injuring someone or damaging their property in an accident.

COUNTRY Financial auto insurance also offers a range of options, including roadside assistance for flat tires, dead batteries, or towing.

You can also get collision coverage for repairs if you hit something, as well as comprehensive coverage for damage from non-collision events like theft or fire (Read More: Does COUNTRY Financial offer comprehensive coverage?).

Auto Insurance Discounts at COUNTRY Financial

If you’re considering going with COUNTRY Financial, it’s essential to take advantage of the company’s available discounts.

While they may not offer the longest list of insurance options and offer the cheapest rates, they excel in providing discounts to help you save money.

COUNTRY Financial auto insurance discounts include several safe driver discounts.

For example, customers can get 15% off for having an anti-theft system and 10% off for completing an approved defensive driving course.

Students maintaining good grades can enjoy a substantial 25% discount, and bundling your home and auto insurance with COUNTRY Financial saves you 25%. Read COUNTRY Financial home insurance reviews like our COUNTRY Financial homeowners review if you are considering bundling.

COUNTRY Financial also offers specialty programs like Driver IQ, a safe driving program that rewards good drivers with a discount, and Simply Drive, a safe driving course for teen drivers.

Remember, this list may not be exhaustive, so it’s always best to check directly with COUNTRY Financial to see if you qualify for any additional discounts specific to your situation.

There may be some additional savings that your agent can help you apply to your policy.

Customer Reviews of COUNTRY Financial Insurance

Customer reviews of COUNTRY Financial’s auto insurance are mixed, reflecting both positive and negative experiences.

Take a look at the Reddit thread about COUNTRY Financial below to see COUNTRY Financial reviews and complaints.

COUNTRY Financial insurance reviews on Reddit show that some customers commend the company for its helpful service and affordable rates, while other customers say customer service is lacking and aren’t happy with rate increases.

Varying customer experiences are common at insurance companies, but watch for a high number of negative reviews, which could indicate a more serious issue. After all, if you are involved in a serious accident, like a hit-and-run, you want an insurance company you can trust (Learn More: How does COUNTRY Financial handle claims involving hit-and-run accidents?).

COUNTRY Financial Insurance Business Ratings

Business ratings of COUNTRY Financial range from financial to customer satisfaction ratings. The COUNTRY Financial AM Best rating is an A+, which means they’ll have the cash to handle your claim if needed.

See what other businesses rated the company below, such as COUNTRY Financial reviews on BBB.

Agency
	Score: A+ Superior Financial Strength
	Score: A+ Excellent Business Practices
	Score: 74/100 Good Customer Feedback
	Score: 849 / 1,000 Above Avg. Satisfaction
	Score: 0.58 Fewer Complaints Than Avg.

Additionally, COUNTRY Financial receives fewer complaints than the national average, according to the National Association of Insurance Commissioners.

Country Financial also scored a solid 849 on J.D. Power’s customer satisfaction scale, indicating that their customers are generally happy with the service they received, such as responsiveness during claims filing (Read More: How long does it typically take for COUNTRY Financial to process a car insurance claim?).

So, what does this all mean? Well, COUNTRY Financial appears financially stable, with fewer complaints and limited COUNTRY Financial lawsuits, and it boasts decent customer satisfaction ratings. But stick around to explore other important details to determine if they’re the right choice for your car insurance needs.

Pros and Cons of COUNTRY Financial Auto Insurance

COUNTRY Financial auto insurance offers several benefits to its customers. The biggest benefits are as follows:

• Coverage Options: COUNTRY Financial has specialty coverages like roadside assistance and rental car reimbursement.
• Discount Opportunities: COUNTRY Financial provides discounts like the safe driver and multi-policy discounts to lower premiums (Read More: Get Low Cost Car Insurance with Driver Discounts).
• Financial Standing: A.M. Best’s A+ rating for COUNTRY Financial means the company is financially stable and able to meet ongoing financial obligations, such as paying claims.

Before you jump into signing up with COUNTRY Financial, however, make sure to consider its potential downsides.

• Limited Availability: COUNTRY Financial only operates in 12 states, so it is inaccessible for potential customers outside of its service region.
• Higher Rates for Some: DUI drivers will have higher rates at COUNTRY Financial.

It’s important to carefully consider the pros and cons of COUNTRY Financial to ensure you choose a provider that offers the right coverage, service, and pricing that aligns with your needs and circumstances.

Deciding if COUNTRY Financial Auto Insurance is the Right Fit for Your Needs

Our COUNTRY Financial auto insurance review found it has competitive rates for good drivers. COUNTRY Financial offers affordable full coverage rates, often cheaper than those of Liberty Mutual and Travelers. However, it has higher rates for drivers with poor records, which means some drivers may be overpaying for coverage (Learn More: Stop Overpaying For Auto and Home Insurance).

It’s important to remember that insurance needs vary, and drivers should compare multiple quotes from different providers to ensure they get the best coverage and pricing for their unique circumstances. Always shop around to find the right policy for you, considering factors like discounts, customer service, and availability.