Country Financial Insurance: Overview

Based in Bloomington Illinois, Country has been providing insurance to its customers since 1925.

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About Country Financial

Country Financial is a group of US insurance and financial services companies available in 19 states in the U.S. Their history began in 1925, when a group of Agricultural Association members from Illinois formed a company, Country Mutual Insurance, selling fire and lightning insurance. In the following four years, new products were included in their portfolios, such as crop hail and farm insurance, auto and life insurance. By 1953, Country Preferred Insurance Company was incorporated and in 1965 another company, Country Capital Management, was formed as a registered broker dealer, allowing them to offer securities products, mutual funds, variable annuities, variable life insurance and 529 College Savings Plans. In 1997, based on their principle of putting people first, the cliente service center became available 24 hours a day. The company adopted the name Country Financial in 2008, to better describe their vision of being “The Best Provider of Financial Security in America.” Country Life Insurance Company®, Country Mutual Insurance Company® and its respective subsidiaries, are located in Bloomington, IL. Today, Country Financial serves about one million households and businesses throughout the United States and offers a range of insurance and financial products, including auto, home, life, health, commercial, farm & ranch and crop insurance, and retirement planning, education funding, annuities and planning services.

Country Financial Facts & Ratings

Year Founded1925
Market Share0.49%
Financial StrengthExcellent
A.M. Best RatingA+ (Superior)
NAIC Complaint Index0.22

Country Financial Mobile App Rating

iOS     4.540 user reviews
Android     4.135 user reviews

The Country Financial Mobile app is available for android and iPhones and iPads. The app provides a dashboard where you can manage your bill, view the status of your claims, update the contact info, manage your notifications, obtain your policy documents and view your insurance card...

Pros & Cons of Country Financial

  • Variety of coverage options.
  • Flexible billing options.
  • Unique discounts, like being engaged, having certain occupations (full-time K–12 teachers, firefighters, police officers, EMTs or paramedics) and also for teen drives.
  • It doesn’t reward loyal customers.

Common Questions about Country Financial

What is the Country Financial auto insurance The Keeper® program?

The Keeper® program is a car insurance coverage different from what competitors offer. If your car suffers severe damage, the company will pay you for a new car, same make, and model, depending on the amount of damage, while most insurance will pay for repairs up to the car’s current market value. It protects newer vehicles up to four model years for collision and comprehensive damage other than theft, fire, and larceny.

What are some of the discounts Country Financial offers teens?

Country Financial offers some auto insurance discounts for teens such as High school or college students who maintain a B or better average may be eligible to receive a discount of up to 25%. Save up to 10% if the teen successfully completes a state-approved driver’s education course. Drivers who are 16 or 17 years old and have not had any moving violations or accidents are eligible to take the Simply Drive online course. Upon completion of this course, they are eligible to save up to 10%.

What states does Country Financial cover?

Country Financial covers 19 states including Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin.

Who owns Country Financial?

The CEO of Country Financial is Jim Jacobs.

Does Country Financial offer health insurance?

Yes, Country Financial offers health insurance. You can request a health insurance quote on their website or compare multiple health insurance quotes here on SmartFinancial.

What discounts does Country Financial insurance offer for homeowners?

Country Financial offers the following discounts for homeowners: Multi-policy Discount: If you have home insurance or another qualifying policy or investment with the company, you can save up to 25%.Age of Wiring Discount: You may qualify for up 28% savings depending on the age of newer electrical wiring in your home.Dwelling Age Discount: If you have a newer home, you could save up to 40%.Alarm Credit Discount: Save up to 15% if your home is equipped with certain fire and anti-theft equipment.Safe Heat Discount: Save up to 15% if your home doesn’t have a solid fuel-burning unit (like a wood-burning stove), or has a built-in fireplace without a fireplace insert.Roof Discount: An extra discount of up to 20% for houses with certain hail-resistant roofing products offering a manufacturer’s warranty.

Is flood damage covered by Country Financial home insurance?

No, Country Financial home insurance doesn’t cover flood damage and flood insurance is generally only available through the National Flood Insurance Program. However, the company can help you get coverage through the federal program if your home qualifies. Sinkholes aren’t covered

What basic coverage does Country Financial offer for commercial?

Country Financial offers different products regarding commercial insurance including business owners, commercial packages, business resources, business auto coverage, business umbrella, workers compensation, winery, and craft brewery. Considering the one for business owners, the basic coverage offers the following benefits: coverage for loss or damage to your buildings and business personal property (against fire or lightning, windstorm or hail, explosion or smoke, damage from vehicles, theft or vandalism, sprinkler leakage, and collapse). Also includes protection for loss of business income, rental income and extra expenses (up to 12 months, no dollar limit), coverage for financial loss as a result of breakdown or electrical damage to equipment or systems, coverage for exterior attached and unattached signs up to $5,000 (higher limits available, covers theft of money and securities up to $10,000 on-site and $2,000 off-site (higher limits available), coverage for damage to computer and media data up to $10,000 per year (higher limits available), up to $25,000 coverage for uncollectible receivables if your records are damaged (higher limits available), covers the costs to comply with ordinances and building codes after a covered loss up to $25,000 (higher limits available) and up to $2,500 coverage if someone forges your checks, bank drafts or notes (higher limits available).

What benefits does Country Financial have for term life insurance?

With Country Financial`s term life insurance you can choose to be covered for 10, 15, 20, or 30 years and can select a coverage amount from $50,000 to more than $1 million. A big benefit is that you can purchase a large amount of coverage for significantly less than permanent life insurance, and your premiums are guaranteed to stay the same for the length of the policy term. After choosing the period and amount, you select the beneficiary and it will cover the following: pay off the mortgage, afford your children’s needs as they grow, pay funeral costs, cover debts, pay day-to-day expenses and fund a college education. For an additional cost it’s offered the following options: convert to a permanent policy at any time (before you reach age 65 and before your term period is over), with no additional medical exam required, keep your term life policy going (until age 95), without additional medical exams. The coverage would provide up to $25,000 of term life insurance for all of your children ages 0 –17 and a waiver of premium if you become disabled before age 65. If you’re still living at the end of the policy term, you receive the base annual premiums you’ve paid over the course of the term, plus the cost of the Return of Premium benefit.

What coverage does Country Financial renters insurance cover?

How much will Country Financial reimburse for rental car insurance coverage? If you have chosen to have vehicle rental coverage with your auto insurance, Country Financial will pay you for a similar vehicle to the one you own, up to $40 a day (including taxes and fees) and an $800 maximum. You may also choose to use the $40 a day on cab fare or a ride-sharing service.

How much can I save by bundling policies with Country Financial?

When you bundle multiple Country Financial insurance policies together, you can save up to 25%.

Does Country Financial auto insurance cover windshields?

Country Financial offers several options to customize your auto insurance and one of those is safety glass coverage, which waives your comprehensive deductible for the cost of repairing or replacing glass in your car and it includes windshields.

Will Country Financial cover any added equipment in my vehicle?

Country Financial offers several options to customize your auto insurance and you can choose to add the personal effects coverage, which protects certain valuables in your car, like music equipment and electronics, up to $800. A $100 deductible applies.

Country Financial Insurance Products

Auto InsuranceRecreational Vehicle
Motorcycle InsuranceBoat Insurance
Home InsuranceCondo Insurance
Renters InsuranceLandlord Insurance
Mobile Home InsuranceTerm Life Insurance
Universal Life InsuranceWhole Life Insurance
Health InsuranceMedicare Supplement Insurance
Long Term Care InsuranceBusiness Insurance
Business Owners InsuranceCommercial Package Insurance
Winery InsuranceCraft Brewery Insurance
Workers’ CompensationFarm & Ranch Insurance
Livestock InsuranceCountry Estate Insurance
Farm & Ranch InsuranceCrop Insurance
Identity Theft ProtectionHome Warranty
Pet Insurance

Country Auto Insurance Coverage

Bodily Injury Liability

This form of protection covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of protection covers property damage and loss of use to a third party.

Comprehensive Coverage

This insurance pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

This insurance pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments

This type of protection will cover you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Personal Injury Protection.

This protection provides coverage for certain expenses related to injuries from an accident such as lost wages and childcare expenses.

Uninsured Motor Vehicle.

This protection pays for medical expenses if you’re injured in a vehicular accident caused by someone who doesn’t carry liability insurance.

Underinsured Motorists.

This coverage pays if you or someone in your car is injured or killed in a covered auto accident when the other driver is at fault and does not have enough insurance to pay the damages for those injuries, up to the coverage limit you choose.

Emergency Road Service.

If you’re stranded on the road or you accidentally lock your keys in your car, help is a phone call away, 24 hours a day. You will be reimbursed up to $100 total for towing, delivery of motor fuel and repair parts, and labor charges at the place you’re stranded.

Safety Glass Coverage.

This coverage waives comprehensive deductibles for the cost of repairing or replacing glass in the car (windshields, windows and light covers).

The Keeper® - New Car Coverage.

If your car suffers severe damage, The Keeper, will pay for a brand new car, same make and model, depending on the amount of damage. This coverage protects newer vehicles up to four model years for collision and comprehensive damage other than theft, fire and larceny.

Vehicle Rental and Trip Interruption.

This coverage reimburses up to $800 for a rental car if you have a covered loss. You’re also covered for travel expenses, like transportation, lodging, and meals, if you have an accident more than 100 miles from home.

Personal Effects Coverage.

Protects the after-market valuables in your car, like music equipment and electronics, up to $800. A $100 deductible applies.

Discounts

Advance Quote DiscountEngaged Couple Discount
Multi-car DiscountAnti-theft Discount
Good Driver Discount Multi-policy Discount
Defensive Driver DiscountGood Student
College Graduate Discount Occupation Discount
Discounts for Teens Legacy Discount

Country Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Country. On average, Country charges approximately $122.54 per month. The cheapest state average is at $51.67 per month followed by Oregon at $88.30 per month. The most expensive state average is Nevada at $162.19 per month.

State Avg monthly rate
AL $97.24
AZ $121.74
GA $126.56
IL $95.01
State Avg monthly rate
MN $149.44
NV $162.19
OR $88.30

Country Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Country charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $112.82
2 Vehicles $164.13
3 Vehicles $217.26
4 Vehicles $280.69
5 Vehicles $289.15
6 Vehicles $357.42

Country Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Country charges $117.00 per month for drivers who own their home and $124.62 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $117.00
Rent $124.62

Country Financial Contact Info

Address1701 N Towanda Ave, Bloomington, IL 61701-2057
Phone1 (866) 268-6879
Websitehttps://www.countryfinancial.com
Facebookhttps://www.facebook.com/countryfinancial/
Youtubehttps://www.youtube.com/user/COUNTRYFinancial
Linkedinhttps://www.linkedin.com/company/country-financial-/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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