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Country Financial Insurance Review 2022: Car, Home And Life – Bankrate.com

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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.
While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our
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Established in 1925, the Country Financial Insurance Company was founded to support a group of Illinois farmers seeking protection from fire and lightning damages. Today, it is a leading insurance provider with insurance coverage options for auto, home, and life insurance, as well as retirement services and education funding support.
Coverage is limited to service in 19 states, with coverage options specialized to support rural communities These options include farm and ranch insurance, alongside business and crop investments coverage. The company also has excellent customer satisfaction ratings, making this an all-around attractive insurance provider for certain customers.

Country Financial received a Bankrate Score of 4.5 out of 5 thanks to high third-party ratings and a wide range of coverage options. The company ranked third in the J.D. Power 2021 U.S. Auto Insurance Study for the North Central region, showing high customer satisfaction in the states where it operates. Country Financial received an AM Best score of A+ (Superior) for its historic ability to pay out claims, and received fewer complaints than average filed with the National Association of Insurance Commissioners (NAIC). The company’s mobile app, however, has a rating of 3.4 out of 5 stars on Google Play, a lower rating than many of its competitors.
Country Financial offers insurance policies for many types of vehicles, including cars, motorcycles, boats and recreational vehicles. The company offers standard coverage options such as liability, collision, comprehensive, uninsured motorist protection and more. In terms of additional coverage options, the company offers new car replacement, roadside assistance, vehicle rental and trip interruption coverage, and more. Country Financial writes policies in 19 states: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin.
Country Financial car insurance costs an average of $1,797 per year for a full coverage policy and $517 per year for a minimum coverage policy, according to Bankrate’s 2022 study of quoted annual premiums. On average, Country Financial policyholders pay slightly more for full coverage than the national average of $1,771 per year, and pay slightly less for minimum coverage than the national average of $545 per year.
Below, see how Country Financial’s average rates stack up against the national average after certain life events.

*16-year-old rates reflect the total cost of a 16-year-old (male or female) and married parents on the same policy.
Wondering how to save on your car insurance with this provider? Country Financial offers several standard discounts such as multi-policy discounts and student discounts, alongside unique auto insurance discounts including:
In addition to standard auto coverage, Country Financial offers coverage for your motorcycle, boat and recreational vehicle. The company also offers roadside assistance services.

Country Financial received a Bankrate Score of 4.2 out of 5 based on several factors including third-party ratings, coverage options and available discounts. The company received a higher-than-average score from J.D. Power in the 2021 U.S. Home Insurance Study, showing general customer satisfaction. Policyholders also filed fewer than average complaints with the NAIC against the company. However, be aware that the company’s mobile app received a score of 3.4 out of 5 on Google Play, lower than many of its competitors.
When it comes to home insurance, Country Financial offers dozens of coverage options, from standard property and liability coverage, to add-ons like sewer back-up coverage and identity theft expense coverage.
Country Financial’s average annual premium for $250,000 in dwelling coverage is $2,367, based on Bankrate’s 2022 study of quoted annual premiums. Compared to the 2022 national average of $1,383 per year for the same amount of coverage, Country Financial policyholders pay more than average for their home insurance.

Country Financial offers several standard home insurance discount options such as home insurance savings for holding multiple policies with the company. Country Financial also offers the following unique home insurance discounts:
Country Financial offers online calculators that can help you decipher what type of home you’re able to purchase. The company also offers a series of personal finance and budgeting resources designed to help people take control of their finances.

Country Financial offers a full suite of life insurance options. Unlike competitors that only offer term or whole life insurance, Country Financial offers term life, whole life and universal life insurance policies. The company also offers a wider range of riders than many of its competitors for term, whole and universal life insurance.

As mentioned above, the company offers several endorsement options. These endorsements could help you personalize your policy to your needs. Country Financial’s riders listed on the website include:
Country Financial offers investment and retirement services such as IRAs, 529 plans, annuities, and 401k plans. You can find a local representative through the company’s website to talk about these options with you.

The following perks may nudge you to consider Country Financial for your insurance and financial needs.

The Country Financial insurance review would not be complete without a discussion of the company’s social outreach. In 2020, Country Financial donated thousands of dollars to organizations working to serve and support those affected by coronavirus. The company’s employees volunteer in their communities and the company provides kids with youth financial education materials.

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.

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (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.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.
Homeowners dwelling coverage levels were calculated using our base profile and applying 2022 rates obtained from Quadrant Information Services for the following coverage limits:
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
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. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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