Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
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At a glance
4.2
Rating: 4.2 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.2 stars out of 5
4.2
Cost & ratings
Rating: 4.4 stars out of 5
4.4
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 4 stars out of 5
4.0
Home
Rating: 4.3 stars out of 5
4.3
Cost & ratings
Rating: 4 stars out of 5
4.0
Coverage
Rating: 4.3 stars out of 5
4.3
Support
Rating: 5 stars out of 5
5.0
Life
Rating: 4 stars out of 5
4.0
Cost & ratings
Rating: 4.7 stars out of 5
4.7
Coverage
Rating: 3.5 stars out of 5
3.5
Support
Rating: 3.5 stars out of 5
3.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders who value good customer service and the ability to handle all their financial business through one company may want to consider Country Financial as their company of choice.
Offers up to a 10 percent discount to teen drivers who complete the Simply Drive course
Drivers who enroll in the DriverIQ telematics program can save up to 25 percent on auto insurance
Ranks below average in J.D. Power’s 2024 U.S. Insurance Digital Experience Study for shopping
Home insurance is offered in three easy-to-understand packages, along with the option to enhance coverage with endorsements
Auto
Avg. annual premium for full coverage
$3,199
Avg. annual premium for min coverage
$986
Home
Avg. annual premium for $300k dwelling coverage
$2,123
New
What’s new with Country Financial?
Country Life Insurance Company (part of the Country Financial family of businesses) was included in the 2024 Life Health Ward's 50 Companies list of top-performing life insurance companies. Out of nearly 700 life insurers considered, those on the list were selected for outstanding financial results in the areas of safety, consistency and performance over a five-year period.
Country Financial car insurance review
Country Financial earned a 4.2 Bankrate Score for its auto insurance, part of which was due to its high third-party customer satisfaction and financial strength ratings. Analyses by J.D. Power and AM Best suggest that the company places a high value on maintaining good policyholder relationships — something that could make it a good option if customer service matters to you.
Country Financial offers car insurance policies with all the standard coverage types and many optional endorsements. These include emergency roadside service, new car replacement, personal effects coverage, safety glass coverage and vehicle rental and trip interruption coverage. Additionally, the company offers a host of potential discounts, including three discounts for teen drivers.
Customers who prioritize service and live in one of the 19 states where the company writes auto policies may be interested in getting a quote from Country Financial. It ranked above the industry average in the J.D. Power 2024 U.S. Auto Insurance Study for the North Central region. Customers who value digital policy management may be impressed with the company's mobile app, where you can file claims, pay bills and request roadside assistance. However, the company did come in below average for shopping in the 2024 U.S. Insurance Digital Experience Study.
Pros and cons of Country Financial car insurance
Country Financial offers a full line of standard auto insurance coverage types and a few unique discounts. However, Country Financial will not fit the needs of all automobile owners.
Pros
Variety of optional coverage types
Specific resources available for insuring teen drivers
High J.D. Power customer satisfaction score for the North Central region
Cons
Only available in 19 states
Does not offer gap insurance
No online quoting available
Country Financial car insurance cost
Country Financial may not be one of the cheapest car insurance companies, but its rates are typically on par with what the average American pays. According to Bankrate’s 2024 study of quoted annual premiums, Country Financial car insurance costs $3,199 per year, on average, for a full coverage policy and $986 per year, on average, for a minimum coverage policy. In comparison, the national average cost of car insurance is $2,685 per year for full coverage and $800 for minimum coverage.
How much is Country Financial car insurance?
An individual’s driving record can play a major role in their auto insurance rate. Motorists with incidents such as speeding tickets and at-fault accidents typically pay higher rates than drivers with a clean driving history. Below you can find average Country Financial rates for customers with a variety of driving profiles. Because personal details like your ZIP code, age, marital status, vehicle make and model and more are factored into rates along with your driving record, the quote you receive from Country Financial may vary.
A driver’s age can affect the price they pay for car insurance, and young drivers typically pay more, even when added to their parents' policy. Parents who have teen or young adult drivers in their household may benefit from shopping around to find a carrier that offers low average rates and discounts for younger drivers. The following average rates are for a teen driver with a clean driving record who is added to their parents' policy and an adult driver with a clean record on their own policy.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
While Country Financial tends to have full coverage car insurance rates that are an average of 19 percent more than the national average, rates can vary significantly between carriers. Insurance providers rate policies on many factors and gear their premiums toward certain risk groups. For example, an insurance company specializing in insuring new drivers may offer more discounts for young drivers under 25. The table below shows how Country Financial's average premium stacks up to other insurance companies.
Third-party reviews may be a great resource when looking for a company with positive customer experiences and good financial strength. Bankrate evaluated customer satisfaction by looking at J.D. Power scores. In J.D. Power’s 2024 U.S. Auto Insurance Study, Country Financial ranked above the industry average in the North Central region with an overall customer satisfaction score of 665 out of 1,000. This is the only region that included a ranking for the company (due to its limited regional availability).
We also looked at financial strength ratings from AM Best as an indicator of the company's historic ability to pay claims. AM Best gives Country Financial a financial strength score of A+ (Superior), which underscores a positive history of being able to pay out claims in a timely manner.
Country Financial auto claims satisfaction
In terms of auto claims experiences, Bankrate again looked to J.D. Power. In the 2023 U.S. Auto Claims Satisfaction Study, Country Financial earned 894 out of 1,000 — well above average — for overall customer satisfaction. However, Country Financial was not included in the 2024 Auto Claims Satisfaction Study.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 894.
End of interactive chart.
Country Financial auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) Complaint Index indicates how many complaints a company gets by product type compared to other insurers of a similar size. For the past three years, Country Financial has consistently had fewer complaints than average, suggesting that the company responds to customer needs in a prompt and satisfactory way.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.25 to 0.44.
End of interactive chart.
Country Financial car insurance discounts
Customers looking to lower their cost of car insurance may be interested in potential discounts to help them save. Country Financial offers several standard discounts such as multi-policy discounts and student discounts, alongside some more uncommon auto insurance discounts:
Engaged couple discount: If you and your partner are getting married sometime in the next year and you both insure your vehicles with Country Financial, you may qualify for this discount. Country Financial only offers this discount to policyholders ages 21 and older.
Advance quote discount: If you get an online quote from Country Financial before your current auto insurance policy expires, you may receive a discount.
Occupation discount: If you are a full-time K–12 teacher, firefighter, police officer, EMT or paramedic, you may qualify for a discount from Country Financial.
Legacy discount: This discount may apply for drivers under the age of 25 with parents who are Country Financial policyholders. To be eligible, the driver's parents must qualify for a multi-vehicle or multi-policy discount.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Country Financial
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Country Financial home insurance review
Bankrate’s insurance editorial team assigned Country Financial home insurance a Bankrate Score of 4.3. Although its coverage options and average costs are excellent, the company’s poor customer satisfaction reviews brought the score down.
The national average for $300K in dwelling coverage is $2,267 a year, while Country Financial's average is 6 percent less at $2,123. If you are hoping to find cheap coverage for your home, Country Financial may be a good option.
Country Financial's home insurance offerings are available in three coverage levels: basic, combined and premier. The basic plan includes standard coverage options, while the combined plan includes coverage for one instance of human-caused physical damage to the structure of your home. The premier plan includes this extra coverage type and coverage for one instance of physical damage to personal property, such as a power surge that damages your computer.
Additionally, Country Financial offers endorsements like sewer backup coverage, extended replacement cost and scheduled personal property coverage. Earthquake and flood insurance are available but may need to be purchased as separate policies.
Country Financial has below average customer satisfaction ratings for home insurance in J.D. Power’s 2024 U.S. Home Insurance Study. However, homeowners insurance policyholders may benefit from the company’s comprehensive mobile app. As with all of Country Financial's offerings, online quoting is not available.
Pros and cons of Country Financial home insurance
Your home is likely one of your most valuable assets, so choosing the right homeowners insurance company may be critical to your financial strategy. When comparing Country Financial with other providers, these pros and cons may help you narrow down your selections.
Pros
Multiple coverage levels to choose from
Identity theft coverage available
Earthquake and flood insurance available
Cons
Below-average customer satisfaction ranking
No online quoting available
Not available in every state
Country Financial home insurance cost
Country Financial’s average annual premium for $300,000 in dwelling coverage is $2,123 compared to the April 2025 national average of $2,267 per year for the same amount of coverage. On average, Country Financial policyholders pay slightly less for their home insurance. To get the best homeowners insurance rate, you may want to request quotes from numerous insurers.
$150K dwelling
Country Financial average premium
$1,428
National average premium
$1,370
$300K dwelling
Country Financial average premium
$2,123
National average premium
$2,267
$350K dwelling
Country Financial average premium
$2,347
National average premium
$2,534
$450K dwelling
Country Financial average premium
$2,797
National average premium
$3,066
$750K dwelling
Country Financial average premium
$4,148
National average premium
$4,399
Compare Country Financial homeowners insurance rates
Home insurance rates vary by company for many reasons, such as different underwriting criteria, state regulations and the amount of discounts offered. Also, companies with less-than-stellar financial stability ratings may not have the financial reserves to provide lower prices and pay for catastrophic losses. The table below shows how Country Financial home insurance rates compare to other providers.
Researching third-party ratings may help you decide which insurance company meets your financial needs. J.D. Power produces annual studies that rank insurers based on customer satisfaction in various categories, such as customer service and claims, on a 1,000-point scale. Although Country Financial received a score for its auto insurance policies, it was not included in J.D. Power's customer claims satisfaction rankings for homeowners insurance.
Financial strength is another important factor to consider when deciding on an insurance provider. AM Best gave Country Financial a rating of A+ (Superior), meaning they should be in a good position to pay out claims if a catastrophic event occurs.
Country Financial home insurance customer complaints
Country Financial's complaint index for homeowners insurance is even better than its auto insurance index, and the company has been consistently getting better over the past few years. In 2023, for example, there were only five total complaints filed with the NAIC against the company. This indicates that customers are generally satisfied with their company interactions and claims management.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.1 to 0.37.
End of interactive chart.
Country Financial home insurance discounts
Country Financial offers several homeowners insurance savings options, including a discount for purchasing multiple Country Financial policies. The insurer also offers the following home insurance discounts:
Hail-resistant roof discount: You could qualify for a discount if your roof meets certain hail-resistant standards. To qualify, you must provide Country Financial with your roof manufacturer’s name, the date the shingles were manufactured and installed and the manufacturer’s bill of sale, package label or warranty.
New roof discount: If you just replaced your roof, you might receive a discount from Country Financial. This discount is not available in all states.
Wiring age discount: Install new wiring in your home and Country Financial may reward you with a discount. This discount is only available in select states.
Alarm credit discount: You might earn a home insurance discount if you equip your home with safety and security devices such as an automatic sprinkler system, deadbolt locks, fire extinguishers, smoke detectors or a central station burglar and fire alarm system that reports to emergency services.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Country Financial
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Country Financial life insurance review
Country Financial offers a comprehensive range of life insurance products designed to meet various needs and budgets. Whether you are looking for affordable coverage for a specific period or permanent protection with cash value growth, Country Financial has options that may suit your needs. Below is a brief overview of the different life insurance products available from Country Life:
Overview: Provides lifelong coverage with the added benefit of cash value accumulation.
Key features:
Cash value: Grows over time and can be accessed as a loan or withdrawal.
Payment options: Flexible payment structures such as 10-pay, 20-pay or single premium payment.
Dividends: Potential for dividends, which can be used to reduce premiums, purchase additional coverage or reduce loan balances.
Each of these life insurance products is designed to cater to different stages of life and financial needs. It's important to evaluate your current and future financial responsibilities to choose the best option for you.
Pros and cons of Country Financial life insurance
Pros
Term, universal and whole life insurance policies available
Multiple riders for policy customization
Free accelerated death benefit for universal life and whole life policyholders
Cons
Not available in all states
Variable universal life policies are not available
Policies must be purchased through a Country Financial representative
Country Financial life insurance riders
Country Financial offers several policy coverage options, which may vary depending on the type of life insurance policy you choose. These riders, sometimes called endorsements, could help you enhance your coverage to meet your needs. Country Financial’s life insurance riders include:
Child term insurance: This rider provides up to $50,000 in term coverage for each of your children between ages 0 and 17. The child can convert the policy to whole life insurance at age 23 without completing additional medical exams.
Disability waiver of premium: This rider allows you to stop paying premiums for a period of time without losing coverage if you become disabled before age 65.
Accelerated benefits: This rider allows you to access your death benefit while you’re still alive should you develop a terminal illness.
Return of premium: This rider, available on 20- and 30-year term life policies, returns your base premiums paid if you’re still alive at the end of your life insurance term.
Term insurance for you or your spouse: This rider enables you to add term life coverage to an existing whole life policy to cover you or your spouse.
Accidental death benefit: If you pass away due to an accident before age 70, this rider will pay an additional amount.
Guaranteed insurability option: If you are between the ages of 22 and 43, this rider enables you to buy additional whole life coverage every three years without a medical exam.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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Country Financial may not be the right choice for everyone. If it isn’t quite right for your needs, you may want to consider one of these options.
Featured
Country Financial
Rating: 4.3 stars out of 5
4.3
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Country Financial is known for its high level of customer service and robust product line. For the 19 states in which it is available, customers can find auto, home and other helpful financial products.
State Farm writes auto and home insurance policies nationwide. State Farm car insurance policyholders can potentially reduce their rates by enrolling in the provider’s usage-based Drive Safe & Save program. However, compared with Country Financial, State Farm offers relatively few home insurance discounts and life insurance riders.
Although USAA writes car and home insurance policies in all 50 states, it only offers products to military members, veterans and their eligible family members. USAA auto insurance policyholders can save on their premiums by taking advantage of numerous discounts, including a potential discount for garaging their vehicles on a military base. Unlike most home insurance companies, USAA’s standard homeowners policies include personal property replacement cost coverage. USAA also offers banking products, including checking and savings accounts, car loans and home mortgages, brokerage and trading services and retirement plans.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Country Financial a good insurance company?
Country Financial offers a wide collection of insurance products and other financial services with strong customer satisfaction and financial strength ratings from third-party reviewers. Although the carrier has a convenient mobile app that is generally well reviewed, it does not offer online quoting. Still, for customers looking to meet all their insurance or financial needs with a single company, Country Financial could be a great choice if the carrier writes policies in your state.
What are real-life customers saying about Country Financial?
Reading reviews from real-life customers can help you get a clear picture of the kind of service a company provides. Bankrate's insurance editorial team reviewed several online platforms to see what customers are saying about their experiences with Country Financial and found that there aren't many current reviews. Below is a summary of customer feedback found on Reddit, the Better Business Bureau (BBB) and Trustpilot.
Better Business Bureau
BBB has the most recent Country Financial reviews and the general tone implies that customers are not happy with the claims process for auto or home insurance. The customer review rating on BBB is 1.38 out of 5 stars and many reviews posted are from long-time customers. There also seems to be constant feedback about delays in general policy paperwork and claim payments.
BBB user
Sep 24, 2024
Used to be a good company…
“Used to be a good company. Must be new people or new corporate policies to weed out longtime clients, wish I knew. doesn't make sense but, that's what they did. Raised my rate extensively with no accidents, claims or tickets. Excellent driving record. Never paid late. Just a lame Explanation that i didnt hear from other companies before leaving them. Very disappointing. I have moved on from them after 17 years.”
"Country won't pay for hail damage. We've been with the company 50+ years and just switched. Why? Because the first time we made a homeowner's claim for hail damage, it was denied. The adjuster was rude and uncooperative. Every house in the neighborhood who filed a claim with other insurance companies was given a settlement, but not those with Country Companies."
Most of the comments about Country Financial found on Reddit are a few years old, except one post from two months ago. Like many others, this post touches on concerns about working with a particular agent instead of service or policy concerns with Country Financial. However, if you plan to rely heavily on your insurance agent, consider what services you require from an independent agent or an insurance broker, and weigh them against coverage with a direct carrier.
Reddit user
Jan 10, 2024
So my old agent left and Country Financial...
“So my old agent left and Country Financial assigned us to an agency an hour away. The customer service sucks now. I contacted a local office and asked if they could take over our policies. We have 4 cars, a home and 2 life insurance policies. The local office told me I had to request with the corporate office to be moved and they refused.”
Trustpilot does not have many reviews about Country Financial and the few listed are not positive. A common theme on this platform and others seems to be confusion around policy documents, which are generally handled directly by the insurance agent. This may indicate that the agent you work with can impact your experience more than the company.
Trustpilot user
Jul 18, 2023
We have had Country Financial for over 30...
“We have had Country Financial for over 30 years. Our bundle included cars, home, boat, whole life insurance policies. In 1985 we were told our whole life policies would pay for themselves within 20 years with dividends. That never happened and the policies were very expensive. We decided to cash them out recently and we were told our other policies would increase because of the “bundle”. What?!! They include life insurance policies in bundles? Our car insurance went up 200.00. We’re seniors, no tickets or accidents."
Claims mailing address: Country Financial, P.O. Box 2020, Bloomington, IL 61702-2020
State availability
Country Financial is available in these 19 states: AL, AK, AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NV, ND, OK, OR, TN, WA and WI.
Country Financial tools and benefits
While auto, home and life insurance may be some of Country Financial’s most popular insurance offerings, the company also offers many other financial products. The following perks could be appealing to customers who want to maintain all their insurance needs with a single company.
Financial service products: In addition to insurance, the company offers 401(k) plans, annuities, college savings plans, IRAs and managed accounts.
Umbrella insurance:Umbrella insurance provides additional personal liability coverage that may enhance the financial protection of your auto and home insurance policies. If personal liability losses exceed the limits of your car or homeowners insurance policy, umbrella insurance can help kick in to help cover the additional costs.
Renters insurance:Renters insurance covers the personal belongings of renters who incur losses due to perils such as fire or theft. Country Financial’s premier renters insurance policy adds additional financial protection to cover losses caused by paint spills or power surges.
Landlord insurance: Country Financial’s landlord insurance policies cover structural losses and lost income and provide liability protection.
Business insurance: Country Financial offers business insurance options for farms, wineries, breweries and more.
Pet insurance: If you have pets, you may be interested in Country Financial's customizable pet insurance options.
Insurance for teens: Parents of teen drivers may appreciate the company's car insurance for teens information online, which notes discounts for teen drivers and tips for finding affordable insurance for young drivers. The company's resources for young drivers are created in partnership with the Insurance Institute for Highway Safety and the Highway Loss Data Institute.
Online resources: Country Financial offers online calculators that might help you determine how much home you can afford and how to budget for homeownership. The company also offers a series of online personal finance and budgeting resources designed to help people take control of their finances.
Life insurance calculator: If you're trying to decide how much life insurance you need, you may be interested in Country Financial's life insurance calculator.
Country Financial also offers educational materials for young people, from ages kindergarten to young adults, to help them learn the value of money and how to invest for the future.
Frequently asked questions about Country Financial
Country Financial policyholders can file claims on the company’s website or mobile app or by calling 1-866-268-6879. After reporting a claim, Country Financial will assign a claims representative to your claim who will contact you if they need additional information about your losses. The representative will assist you through the entire claims process.
Our Country Financial insurance review would not be complete without discussing the company’s social outreach. Although the company doesn’t partner with specific charities, Country Financial sponsors employee volunteer and employee donation matching programs, charitable marketing programs and provides time off for employees to volunteer. The company’s charitable programs provide donations to 501(c)(3) organizations within and outside Bloomington, Illinois.
Country Financial has been writing insurance policies for nearly a century. It was founded in 1925 by a group of farmers who were members of the Illinois Agricultural Association. The first type of insurance offered was crop insurance, followed by auto in 1927 and life insurance in 1929.
Country Financial operates in only 19 states across the U.S., so it is not as large as some companies that write policies throughout all 50 states. The company has nearly 3,000 employees and 2,000 financial representatives and currently has policies with nearly one million households and businesses. In comparison, State Farm, the largest writer of personal insurance products in the U.S., has roughly 58,000 employees.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
40% Ratings
40% Ratings
40% Coverage
40% Coverage
20% Accessibility
20% Accessibility
Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Country Financial
Country Financial has 50 reviews
Dive into community reviews below and see what others think about Country Financial.
3.9
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
76% of consumers recommend this insurer
Score breakdown
5 stars
34%
4 stars
42%
3 stars
14%
2 stars
4%
1 star
6%
Score by category
Overall rating3.9 / 5
Original cost3.8 / 5
Coverage3.9 / 5
Customer Support4.1 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Country Financial.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Good reviews and heard good information from friends
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They are quick with claims so I stayed if they raised price much more I would start looking
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It offered me decent coverage and cost which sustains me and my car well.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
This is my first for home insurance and they have met my expectations
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Our country financial agent is very personable. He helps us on how to lower cost. Country financial has been easy to work with on claims.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
We decided to use Country Financial primarily because a relative was in our community and was starting his own business over 25 years ago. This company is more customer based and provides a closer relationship compared to what we had before. Most times I am able to talk to a person and not a message machine.
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I did because I heard they were very good with certain things
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Most of my family go through them so I just followed the family trend.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Compared to other insurance companies I’ve considered, this insurer stands out due to its straightforward claims process and responsive support team.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
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editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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