Country Financial insurance review 2025
Customers seeking a company that can handle all their financial business in one place may want to consider Country Financial as their insurer of choice — if they live in one of the carrier's 19 states of operation.
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AutoAvg. annual premium for full coverage $3,154Avg. annual premium for min coverage $967HomeAvg. annual premium for $300k dwelling coverage $2,123Avg. annual premium for $750k dwelling coverage $4,148
Compare Country Financial with other insurers
While Country Financial is a highly rated insurer, it may not be the right choice for everyone. See how Country Financial compares with two popular competitors.
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Featured
Country Financial
4.2
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.4Coverage 3.9Support 4.2 |
State Farm
4.4
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.5Coverage 4.2Support 4.6 |
USAA
4.5
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.8Coverage 4.2Support 4.6 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Country Financial is known for its high level of customer service and robust product line, but it's only available in 19 states.
Read More
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State Farm writes auto, home and life insurance in most states and receives excellent customer reviews, but offers fewer discounts and life insurance riders.
Read More
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USAA combines competitive rates for auto, home and life insurance with stellar customer service, but only military families are eligible.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Inexpensive home insurance
Resources for teen drivers
Highly rated customer service
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Available in most states
Two safe driving programs
Offers banking and investment
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Availability in all 50 states
MyUSAA Legacy discount
Military discounts and perks
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $3,265 | $2,686 |
$2,059 |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored | 710/1000 |
726/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| $2,123 | $2,186 |
$1,248 |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored | 661/1000 |
746/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| A+(Superior) |
A++(Superior) |
A++(Superior) |
Country Financial car insurance review
With a Bankrate Score of 4.2 out of 5.0 for auto insurance, Country Financial is a competitive car insurance option in states where coverage is available. High customer satisfaction ratings from J.D. Power and a low rate of customer complaints put Country Financial above many competitors, but customers may pay higher premiums in exchange for superior service.
When it comes to coverage, Country Financial offers all the standard auto options along with some less-common endorsements like windshield replacement insurance, personal effects coverage and umbrella liability. The company also offers some unique discounts, like a discount for engaged couples and special rates for teachers and first responders. But policies are only available in 19 states, and customers who don't meet Country Financial's desired profile may have trouble finding affordable coverage.
Pros and cons of Country Financial car insurance
While Country Financial excels in some areas, it might not be right for every driver.
Pros
- Unique endorsements and discounts
- High J.D. Power customer satisfaction score
- Works with local agents
Cons
- Only available in 19 states
- Above-average premiums
- No online quoting available
Country Financial car insurance cost
According to data from Quadrant Information Services, Country Financial auto insurance customers pay an average of $223 per month for full coverage and $81 per month for state minimum coverage. That's 18 percent more than the national average for full coverage and 20 percent more than average for minimum coverage.
Compare Country Financial car insurance rates
Country Financial car insurance costs more than the same coverage from many top-rated competitor companies. However, the cheapest carrier will be different for every driver based on personal rating factors like location and age.
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$263
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$81
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$223
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$75
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$182
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$61
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$181
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$49
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$279
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$82
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$172
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$50
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$159
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$57
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$256
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$81
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$185
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$60
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$188
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$62
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Country Financial car insurance quotes by driver profile
Like other insurance companies, Country Financial tailors insurance quotes to driver characteristics including their driving record and credit history, offering higher rates than the national average for most profiles.
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Good driver, good credit
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Country Financial full coverage premium
$3,154
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National full coverage premium
$2,671
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Country Financial full coverage premium
$4,372
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National full coverage premium
$4,693
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Country Financial full coverage premium
$3,924
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National full coverage premium
$3,272
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Country Financial full coverage premium
$4,271
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National full coverage premium
$3,841
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Country Financial full coverage premium
$4,430
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National full coverage premium
$5,233
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Country Financial car insurance quotes by age
Country Financial offers incentives and discount programs to help lower the cost of car insurance for young drivers, who often receive higher premiums than older, more experienced drivers. As a result, the price difference from the national average may be smaller than for older drivers.
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Country Financial full coverage premium
$6,259
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National full coverage premium
$5,710
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Country Financial full coverage premium
$5,246
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National full coverage premium
$4,925
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Country Financial full coverage premium
$5,381
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National full coverage premium
$5,398
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Country Financial full coverage premium
$3,953
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National full coverage premium
$3,294
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Country Financial full coverage premium
$3,448
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National full coverage premium
$2,850
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Country Financial full coverage premium
$3,154
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National full coverage premium
$2,671
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Country Financial full coverage premium
$2,885
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National full coverage premium
$2,415
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Powered by Coverage.com (NPN: 19966249)
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
Powered by Coverage.com (NPN: 19966249)
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
Country Financial home insurance may be a good option for homeowners in its coverage region in search of affordable home insurance. With a Bankrate Score of 4.3 out of 5.0 for home insurance, the company performs well in the areas of pricing, customer service and coverage options.
In addition to the standard coverage types available from all home insurers, Country Financial offers some extra endorsements and features that can extend your coverage, such as open perils coverage and Extended Replacement Cost or Guaranteed Replacement Cost coverage for your dwelling. Endorsements include earthquake and flood coverage, sump pump and sewer backup coverage and umbrella coverage.
Pros and cons of Country Financial homeowners insurance
Not sure if Country Financial home insurance is a good fit? Consider these pros and cons.
Pros
- Multiple coverage levels and endorsements
- No cap on guaranteed replacement cost coverage
- Low rate of customer complaints
Cons
- Not available in every state
- Below-average J.D. Power customer satisfaction score
- No online quoting
Country Financial home insurance cost
The average cost of home insurance from Country Financial is $2,123 per year for $300k in dwelling coverage. That's roughly 11 percent less than the national average of $2,408 per year.
Compare Country Financial homeowners insurance rates
Country Financial's home insurance rates tend to be lower than those of many competitors. However, keep in mind that rates may vary significantly due to risk factors in your area.
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$2,123
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- $285 |
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$2,223
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- $222 |
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$2,528
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+ $165 |
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$1,236
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- $1,160 |
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$2,787
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+ $379 |
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$1,969
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- $335 |
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$3,251
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+ $849 |
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$1,987
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- $428 |
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$2,713
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+ $303 |
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$2,436
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+ $90 |
Country Financial home insurance quotes by dwelling coverage
For homeowners with different levels of coverage, average premiums for Country Financial home insurance tend to be lower than the national average.
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$150K dwelling
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Country Financial average premium
$1,428
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National average premium
$1,442
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$300K dwelling
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Country Financial average premium
$2,123
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National average premium
$2,408
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$350K dwelling
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Country Financial average premium
$2,347
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National average premium
$2,724
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$450K dwelling
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Country Financial average premium
$2,797
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National average premium
$3,357
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$750K dwelling
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Country Financial average premium
$4,148
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National average premium
$5,237
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Get personalized home insurance quotes
Answering a few quick questions to check your availability with Country Financial
Powered by Coverage.com (NPN: 19966249)
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
In addition to home and auto insurance, Country Financial offers a range of life insurance products designed to meet various needs and budgets. Life insurance options available from Country Financial include term life insurance, indexed universal life insurance and whole life insurance. Country Financial was named to the 2025 Ward's 50 Life and Health Top Performers list, making it a strong option for anyone seeking this type of coverage.
For most families, a term life insurance policy may be the most cost-effective and practical way to meet the need for life insurance. Country Financial's term life is available in 10-, 15-, 20- or 30-year increments. For those seeking permanent life insurance with a cash value feature, indexed universal life or whole life insurance may be a better fit.
Pros and cons of Country Financial life insurance
While Country Financial's life insurance offerings are highly rated, they might not be the best fit for everyone. Keep these pros and cons in mind:
Pros
- Term, indexed universal and whole life insurance policies available
- Multiple riders for policy customization
- Free accelerated death benefit for permanent life insurance policies
Cons
- Not available in all states
- No variable universal life insurance product
- Must purchase directly through a Country Financial representative
Compare life insurance providers quickly and easily
See which provider is right for you.
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
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. 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.
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about Country Financial?
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Frequently asked questions
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.
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.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, 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.
Policyholder Reviews
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 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:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To 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
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.
- 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 September 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:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The 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
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.
- 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.
- 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.
