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Country Financial Car Insurance

Smart Score

82

Industry Average: 75

Smart Score

82
/100

Industry Average: 75

Customer Service

8.7
/10

Industry Average: 7.7

Claims Process

8.4
/10

Industry Average: 8

Value for Price

7.3
/10

Industry Average: 7

Country Financial Overview

Headquartered in Illinois, Country Financial serves 19 states with a heavy concentration in the Midwest. Country Financial has a wide range of products and may appeal to those who want the personal service of an agent with an insurance company of moderate size that has the ability to offer plenty of features and financial backing. They are also a good choice for those in search of a one-stop choice for personal insurance as well as financial products.

Lines of Business:

Country Financial Ratings Breakdown

Smart Score

82

Country Financi: 82
Industry Average: 75
Country Financi: 82
Industry Average: 75

Why our Smart Score matters

Country Financial’s Smart Score of 82 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Country Financial’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 82, Country Financial rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

8.7

Country Financi: 8.7
Industry Average: 7.7
Country Financi: 8.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Country Financial’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Country Financial’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Country Financial’s service score of 8.7, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 7.8 and 9.6. With those narrow bounds, we’re confident about the accuracy of their 8.7 rating.

Claims Process

8.4

Country Financi: 8.4
Industry Average: 8
Country Financi: 8.4
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Country Financial. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Country Financial handles it.


Country Financial’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Country Financial.


What does this mean for you?

Evident from a claims score of 8.4, Country Financial has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 7.1 and 9.7. With those moderate bounds, we’re pretty confident about the accuracy of their 8.4 rating.

Value for Price

7.3

Country Financi: 7.3
Industry Average: 7
Country Financi: 7.3
Industry Average: 7

Country Financial’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Country Financial comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Country Financial’s value for price score of 7.3 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources vary a lot. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 5.6 and 9. With those wide bounds, we’re only mildly confident about the accuracy of their rating.

Country Financial Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Country Financial has than average. With an index of 0.28 Country Financial is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Country Financial has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Country Financial has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.28 Country Financial is better than average.

Customer Reviews

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Out of 5

0 Reviews

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100%

of customers would reccomend this company to a friend

3 customer reviews

Derrick Dawkins

Auto Customer

I was rear ended when I was towing a trailer. No questions asked they replaced my trailer with a brand new one and totaled out my truck. My truck was damaged but it really wasn't that bad. I ended up with a much nicer and newer truck and a brand new trailer. Accidents are never fun, but the process was very smooth for me.

Price Value: 5

Claim Satisfaction: 5

Customer Service: 5

Recommend: yes

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HonestPolicy User

Auto Customer

Country Financial is solid insurance company based in the Midwest (Bloomington, IL).Their rates are cheaper than Progressive, Geico, State Farm and Allstate.I have been with them for 10 years and they have provided me with excellent service for claims and general questions.

Price Value: 4

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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HonestPolicy User

Auto Customer

My agent is very far from my home and not very responsive. I have not had any claims yet

Price Value: 4

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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Country Financial Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Country Financial

Available OptionsWhat it meansSee something wrong?
Emergency Assistance Coverage

Covers cost of any emergency services called when involved in an incident

Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

Emergency Lockout Coverage

Service that helps you get back in your car if you locked them inside, or can’t find them.

First Aid Reimbursement

Insurance that covers first aid costs as a result of an accident or claim.

Country Financial availability in these states

Country Financial Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Country Financial has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Multiple Policy

While insurers are out to protect drivers, they also need to make money, and they tend to make more when a customer has multiple products (policies) with them. As a result, they can offer savings when drivers pair their car policy with another (home, renters, umbrella, etc.) policy.

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How does Country Financial compare to other insurance companies? Click the following links below to compare Country Financial to other top insurance companies.

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