COUNTRY Car Insurance Financial Review

Advantages

  • Great customer service
  • Affordable rates for young drivers
  • Good variety of auto insurance discounts

The inconvenients

  • Only available in 19 states
  • Missing some popular coverage options

COUNTRIES Financial costs of car insurance at a glance

Monthly premium charges:

  • 35-year-old female with a good driving record: $145.25
  • 35-year-old male with clean driving record: $146.50
  • 35-year-old woman with an accident: $198.00
  • 18-year-old male with clean driving record: $238.75

Cover options:

  • Civil liability for bodily injury
  • Property damage civil liability
  • Uninsured motorist
  • Underinsured motorist
  • Injury protection
  • Medical payments
  • Collision
  • Complete
  • New car replacement
  • Roadside Assistance
  • Rental car
  • Trip interruption
  • Personal effects
  • safety glass

Main advantages

Great customer service

COUNTRY Financial received high marks in JD Power’s latest US Auto Insurance Satisfaction Survey. It also has a below-average complaint rate with the National Association of Insurance Commissioners (NAIC). This suggests that most of its customers are satisfied with the service they receive.

Affordable rates for young drivers

The average 18-year-old driver with a clean record pays about $6,087 a year for car insurance in 2022. But COUNTRY Financial’s average rate for these drivers is just $2,865 a year. The company also offers several car insurance discounts aimed at teens to help them save even more, including its Student Voucher and Simply Drive® discounts. The latter is a discount offered to newly licensed drivers who complete COUNTRY Financial’s Simply Drive® course.

Good variety of auto insurance discounts

COUNTRY Financial has a long list of car insurance discounts. Some of them, like the fiancée discount, are unique in the industry. There’s also a Legacy discount that gives single drivers under 25 a discount if their parents are eligible for a multi-car, multi-policy discount. Plus, there are all the basics, like a good driver, anti-theft device, and advanced discounts on car insurance quotes.

What could be improved

Only available in 19 states

COUNTRIES Financial auto insurance is currently only available in 19 states. Drivers who do not live in one of these states will need to explore other options.

COUNTRY Financial offers all basic auto insurance coverage. But it lacks popular add-ons, such as gap coverage and ride-sharing insurance. Drivers interested in these will need to obtain quotes from other insurers.