When it comes to protecting your assets, finding the right insurance provider is crucial. Country Financial has been a trusted name in the insurance industry for nearly a century, offering a wide range of products, including auto, home, and life insurance. But what’s new with Country Financial in 2025, and is it the right choice for you? In this comprehensive review, we’ll dive into everything you need to know about Country Financial insurance, including its latest updates, pros and cons, pricing, and customer satisfaction.
What’s New with Country Financial Insurance?
Country Financial continues to stand out in the insurance industry, thanks to its commitment to customer satisfaction and financial strength. In 2024, Country Life Insurance Company, a part of the Country Financial family, was recognized in the Ward’s 50 Companies list, which highlights top-performing life insurance companies. Out of nearly 700 insurers evaluated, Country Financial was selected for its outstanding financial performance in safety, consistency, and reliability over a five-year period.
This recognition underscores Country Financial’s dedication to providing reliable and high-quality insurance products. But that’s not all—let’s take a closer look at what makes Country Financial a strong contender in the insurance market.
Country Financial Insurance Auto Review
What Makes Country Financial Auto Insurance Stand Out?
Country Financial earned a 4.1 Bankrate Score for its auto insurance, thanks to its strong financial stability and high customer satisfaction ratings. According to J.D. Power, the company excels in maintaining positive policyholder relationships, making it a great option if customer service is a priority for you.
Country Financial offers a variety of standard and optional coverages, including:
- Emergency roadside service
- New car replacement
- Personal effects coverage
- Safety glass coverage
- Vehicle rental and trip interruption coverage
Additionally, the company provides several discounts, including three specifically for teen drivers. If you live in one of the 19 states where Country Financial operates, you might find their auto insurance policies to be a good fit.
Pros and Cons of Country Financial Auto Insurance
Pros:
- Wide range of optional coverages
- Discounts for teen drivers
- High J.D. Power customer satisfaction score in the North Central region
- User-friendly mobile app for claims, bill payments, and roadside assistance
Cons:
- Only available in 19 states
- No gap insurance offered
- No online quoting available
Country Financial Auto Insurance Cost
Country Financial’s auto insurance rates are slightly higher than the national average. According to Bankrate’s 2024 study:
- Full coverage policy: $3,161 per year (national average: $2,670)
- Minimum coverage policy: $984 per year (national average: $773)
Factors like your driving record, age, and location can influence your premium. For example:
- Good driver with good credit: $3,161/year
- Driver with a DUI conviction: $4,508/year
- Teen driver (age 16): $6,303/year (when added to parents’ policy)
Country Financial Insurance Home Review
What Does Country Financial Home Insurance Offer?
Country Financial offers three levels of home insurance coverage:
- Basic Plan: Standard coverage options
- Combined Plan: Includes coverage for one instance of human-caused structural damage
- Premier Plan: Adds coverage for one instance of personal property damage (e.g., power surges)
Additional endorsements include:
- Sewer backup coverage
- Extended replacement cost
- Scheduled personal property coverage
- Earthquake and flood insurance (may require separate policies)
Pros and Cons of Country Financial Home Insurance
Pros:
- Multiple coverage levels to choose from
- Identity theft coverage available
- Earthquake and flood insurance options
Cons:
- Higher-than-average premiums
- No online quoting
- Limited availability (19 states)
Country Financial Home Insurance Cost
Country Financial’s average annual premium for $300,000 in dwelling coverage is $2,123, compared to the national average of $2,258. Here’s a breakdown:
- $150K dwelling: $1,428/year
- $750K dwelling: $4,148/year
Country Financial Life Insurance Review
Country Financial offers a variety of life insurance products to meet different needs:
- Term Life Insurance: Affordable coverage for 10, 15, 20, or 30 years
- Indexed Universal Life Insurance (IUL): Flexible premiums with cash value growth tied to a stock market index
- Whole Life Insurance: Lifelong coverage with cash value accumulation
Pros and Cons of Country Financial Life Insurance
Pros:
- Term, universal, and whole life policies available
- Free accelerated death benefits for terminal or chronic illnesses
- Multiple riders for policy customization
Cons:
- Not available in all states
- Must purchase policies through a representative
- No variable universal life policies
Customer Satisfaction and Reviews
While Country Financial Insurance has strong financial ratings and a robust product lineup, customer reviews are mixed. On platforms like the Better Business Bureau (BBB) and Trustpilot, some customers have expressed frustration with claims processing and policy management. However, others praise the company’s customer service and comprehensive coverage options.
Why Choose Country Financial Insurance?
Country Financial Insurance is a solid choice for those who value:
- Comprehensive Coverage: From auto and home to life and business insurance, Country Financial offers a wide range of products.
- Customer Service: High J.D. Power ratings and a user-friendly mobile app make managing policies easy.
- Financial Strength: With an A+ (Superior) rating from AM Best, you can trust Country Financial’s stability.
However, if you’re looking for the cheapest rates or online quoting, you might want to explore other options.
Final Thoughts on Country Financial Insurance
Country Financial insurance is a reliable choice for individuals and families seeking comprehensive coverage and excellent customer service. While its premiums may be higher than the national average, the company’s financial strength and range of products make it a strong contender in the insurance market. If you live in one of the 19 states where Country Financial operates, it’s worth getting a quote to seeSure if it meets your needs.
Want to know more about other insurances, Read our latest articles.
