Country Financial car insurance review — this Midwest insurer has served American families since 1925. Founded in Bloomington, Illinois, Country Financial started as a fire and lightning insurer for Illinois farmers. Today, it covers nearly one million households across 19 states. The company holds an A+ (Superior) rating from AM Best. Its market share sits at roughly 0.3% nationally. However, that small footprint hides a strong regional reputation. Country Financial operates as a mutual company. That means policyholders own it, not shareholders. For drivers in the Midwest and select Western states, this Country Financial car insurance review explores whether their coverage delivers real value.
Country Financial Coverage Options
This Country Financial car insurance review begins with their coverage lineup. Standard options include bodily injury liability, property damage liability, collision, and comprehensive. They also offer uninsured and underinsured motorist protection. Medical payments coverage and personal injury protection are available depending on your state. These core coverages match what most major insurers provide.
Country Financial also offers several useful add-ons. Their “Keeper” new car replacement endorsement stands out. If your new car is totaled, they pay for a brand-new replacement of the same make and model. Roadside assistance is available 24/7. Rental car and trip interruption coverage helps during repairs. Windshield replacement comes without a comprehensive deductible charge.
However, there are notable gaps in their coverage menu. Country Financial does not offer gap insurance. Rideshare coverage for Uber and Lyft drivers is unavailable. They also lack an accident forgiveness program. For example, drivers who lease vehicles may find the missing gap coverage a dealbreaker.
Country Financial Discounts Available
Discounts are a strength in this Country Financial car insurance review. The multi-policy bundle discount saves up to 30% when combining home and auto. Their DriverIQ telematics program gives an immediate 10% discount upon enrollment. At renewal, safe drivers can earn 1% to 25% additional savings based on driving scores. Good student discounts reach up to 25%.
Country Financial also rewards specific professions. First responders receive up to 15% off their premiums. Full-time K-12 teachers earn up to 10% off. Completing a defensive driving course saves 5% to 10%. New vehicle owners get up to 10% off for cars less than one year old. In most cases, these discounts can be stacked together.
Additional discounts include multi-car, anti-theft device, and college graduate savings. Their Legacy discount lets parents pass multi-car savings to unmarried drivers under 25. An engaged couple discount is also available. Exact percentages for some discounts vary by state and agent.
Country Financial Car Insurance Review: Customer Ratings and Satisfaction
Customer satisfaction data paints a positive picture in this Country Financial car insurance review. In the 2023 J.D. Power Auto Claims Satisfaction Study, Country Financial scored 894 out of 1,000. That ranked them 4th out of 24 insurers. The industry average was only 878. As a result, their claims experience beats most competitors.
Their NAIC complaint index for private auto insurance is just 0.44. The industry baseline is 1.00. That means Country Financial receives far fewer complaints than typical insurers. AM Best gives them an A+ (Superior) financial strength rating. This is the second-highest possible grade. It confirms strong ability to pay claims.
However, online reviews show mixed results. Their BBB rating sits at B. WalletHub editors rate them 2.9 out of 5. The mobile app scores 3.29 on Apple’s App Store and 2.8 on Google Play. Typically, their official satisfaction metrics outperform their online review presence.
Country Financial Average Rates
Pricing is competitive in this Country Financial car insurance review. Average full coverage costs approximately $1,862 per year. The national average for full coverage is $2,356. That makes Country Financial about $494 cheaper annually. Minimum liability coverage averages around $681 per year. The national average for minimum coverage is $722.
Country Financial is particularly affordable for families. Households with teen drivers pay roughly $4,459 per year. The national average for that group is $6,054. That represents $1,595 in annual savings. Drivers with a DUI pay approximately $3,889 per year. The national average is $4,379. However, young drivers aged 20 pay about $4,919 annually. That is slightly above the $4,771 national average.
Country Financial Pros and Cons
Every Country Financial car insurance review must weigh the advantages against the drawbacks.
Pros:
- Rates average $494 per year below the national average for full coverage
- A+ AM Best rating and J.D. Power claims score of 894 out of 1,000
- Strong discount program with up to 30% off for bundling policies
- Dedicated local agents provide personalized service across 19 states
- NAIC complaint index of 0.44 is well below the 1.00 industry baseline
Cons:
- Available in only 19 states, mostly in the Midwest and West
- No gap insurance, rideshare coverage, or accident forgiveness
- No online quotes without going through a local agent first
- Mobile app ratings are below average at 2.8 to 3.29 out of 5
Who Should Choose Country Financial?
This Country Financial car insurance review identifies several ideal customer profiles. Rural and suburban drivers in the Midwest benefit most. Country Financial’s roots in agricultural insurance mean strong farm and home bundling options. Families with teen drivers save significantly. The $1,595 annual savings over the national average is substantial.
Drivers who prefer working with a local agent will appreciate their model. Country Financial employs over 2,000 financial representatives. These agents handle insurance, investments, and retirement planning. For example, customers can bundle auto, home, farm, and life policies with one agent. That personal relationship matters for complex insurance needs.
However, this Country Financial car insurance review notes some poor fits. Rideshare drivers should look elsewhere. Drivers who want instant online quotes will find the agent-only model frustrating. Those outside the 19 available states simply cannot access their policies. Typically, tech-forward consumers prefer direct-to-consumer options like Progressive or GEICO.
Frequently Asked Questions
What states does Country Financial operate in?
Country Financial offers auto insurance in 19 states. These include Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, and Wisconsin. They also cover Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, and Washington.
Does Country Financial offer online quotes?
This Country Financial car insurance review gets asked this often. No, Country Financial requires you to work with a local agent for quotes. You can request a callback through their website. However, instant online quoting is not available.
How does the Country Financial DriverIQ program work?
DriverIQ is their telematics safe-driving app. You get an immediate 10% discount when you enroll. At renewal, you can earn 1% to 25% additional savings based on your driving score. The app tracks speeding, hard braking, and phone distraction.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed May 2026. If you notice any outdated information, please contact us.