Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 26, 2021

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In a nutshell...

  • Country Financial is a company worth investigating further if coverage is available in your area
  • Country Financial car insurance offers discounts to high school and college students with good grades
  • Country Financial is one of only eleven insurers who have maintained consistent A or higher ratings from the independent rating agency A.M. Best

Country Financial was formed in Illinois in 1925 when members of the Agricultural Association grew tired of paying big-city prices to insure their rural farming operations.

In recent decades, Country Financial has branched out to offer retirement and estate planning as well as annuities and investment management.

Its recent revenue exceeds $3.9 billion, and it is ranked #599 on the Fortune 1000 list as of 2010.

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Country Financial – A History of Mutual Assistance

Despite its size, Country Financial has maintained a focus on grassroots, community-based growth as its prudent, conservative business model.

Country Financial representatives are currently available in fourteen states:

  • Alaska
  • Arizona
  • Colorado
  • Illinois
  • Iowa
  • Kansas
  • Minnesota
  • Missouri
  • Nevada
  • North Dakota
  • Oklahoma
  • Wisconsin
  • Washington

For service in the six New England states and New York, Country Financial partners with MiddleOak, a member of the COUNTRY Financial group that issues policies from Holyoke, Mutual Insurance Company of Salem, MA and the Middlesex Mutual Assurance Company of Middletown, CT.

Country Financial, therefore, has representatives in nearly half of all states.

Through its own group of companies and through alliances, Country Financial is able to further extend this reach to clients in a total of 40 states nationwide.

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Country Financial Customer Satisfaction and Industry Ratings

In independent surveys as well as company-sponsored customer review data, Country Financial receives extremely high marks for overall customer satisfaction specifically focused on the claims process.

Some strong points included quick, fair settlements, clear explanations, courteous reps and an easy-to-understand claims process.

The Country Financial website and toll-free customer service number provide ample resources and support for servicing your needs and answering your questions.

As for industry ratings, Country Financial is one of only eleven insurers who have maintained consistent A or higher ratings from the independent rating agency A.M. Best for more than 75 years.

In that time, for more than 70 consecutive years, Country Financial has received Best’s top rating of A+.

Company Initiatives

Country Financial provides generous support to charities ranging from the American Red Cross to the Children’s Hospital of Illinois, the United Way, the Veterans Foundation of Illinois and the American Cancer Society’s Relay for Life.

It has undertaken an aggressive and ongoing green initiative, looking each year for new and better ways to lessen its carbon footprint as a business entity.

Country Financial is also an active sponsor of many locally-based events, from farmers markets to concerts, in keeping with its focus on community as the basis for a successful business model.

Available Car Insurance Coverage and Features

Country Financial representatives claim to take a personal approach to car insurance and develop custom-tailored levels of coverage to meet their budgets and coverage requirements.

Other coverage includes standard collision, comprehensive and liability categories as well as optional roadside assistance, trip interruption, and umbrella liability coverage.

Another available feature is basic renter’s insurance that can be added to your auto insurance rather than needing a separate policy.

Country Financial car insurance offers discounts to high school and college students with good grades as well as a separate discount for college graduates.

Discounts for defensive driving course completion, anti-theft devices, and driver’s education for young drivers are also offered, as is a special engaged couple discount for young drivers over 21 years old.

In addition to price, you should consider the philosophy, industry ratings, financial strength and customer service record of the insurers who offer you cheap quotes.

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