Is COUNTRY Financial Auto Insurance Any Good?
Last Updated on January 7, 2026
COUNTRY Financial® isn’t a household name nationwide, but in the states where it operates, it’s known for agent-led service, a strong menu of coverages, and solid financial strength. The tradeoff is simple: you’ll typically get a more personal, local experience than a “click-to-buy” national carrier—while pricing can be competitive for the right driver, especially if you bundle policies or qualify for multiple discounts.
Our Rating of COUNTRY Financial Auto Insurance
3.8
out of 5
★★★★☆
Summary
Bottom line: COUNTRY Financial can offer strong value in its 19-state service area if you want local agent support and useful add-ons, especially when you can bundle policies.
COUNTRY Financial sells auto insurance in 19 states and emphasizes a local representative model rather than a fully online, click-to-buy experience. It offers core coverages plus optional endorsements such as roadside assistance reimbursement (typically up to a per-event limit), rental reimbursement, windshield/safety glass coverage, and The Keeper® new-car replacement for eligible vehicles, with availability varying by state. Pricing can be most competitive when you qualify for multiple discounts—particularly bundling auto with home or renters—and the company offers multiple ways to file a claim, including online, via mobile app, or by phone.
Best for
- Drivers in COUNTRY Financial’s 19 states who prefer working with a local agent
- Households that can bundle auto with home or renters to stack discounts
- Drivers who want optional add-ons like The Keeper® or glass and rental coverage (where offered)
Not ideal for
- Drivers who need coverage in all 50 states
- Shoppers who want a fully self-serve online buying experience end-to-end
- People focused only on the lowest online-only price without agent involvement
- Our Rating of COUNTRY Financial Auto Insurance
- COUNTRY Financial Auto Insurance At a Glance
- COUNTRY Financial Auto Insurance Availability
- COUNTRY Financial Auto Insurance Background
- COUNTRY Financial Auto Insurance Coverage Options
- COUNTRY Financial Auto Insurance Discounts
- Customer Satisfaction, Claims, and Complaints
- Digital Experience and Ease of Use
- How to Get a Quote or File a Claim
- Final Verdict: Is COUNTRY Financial Auto Insurance Worth It?
- FAQs on COUNTRY Financial Auto Insurance
COUNTRY Financial Auto Insurance At a Glance
| Best for | Drivers who prefer working with a local agent and want strong coverage add-ons |
| Not ideal for | Drivers who need coverage in all 50 states or want a fully self-serve online buying experience |
| Availability | 19 states (mostly Midwest, Northwest, and parts of the South) |
| Standout options | Roadside reimbursement, rental reimbursement, windshield/safety glass coverage, and The Keeper® new-car replacement |
COUNTRY Financial Auto Insurance Availability
COUNTRY Financial sells auto insurance in 19 states. If you live outside this footprint, you’ll need to shop a national carrier or a regional insurer that operates where you live.
- Alabama
- Alaska
- Arizona
- Colorado
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Minnesota
- Missouri
- Nevada
- North Dakota
- Oklahoma
- Oregon
- Tennessee
- Washington
- Wisconsin
Because COUNTRY Financial is regional, your experience (pricing, discounts, and add-ons) can vary by state. If you’re comparing quotes, make sure each quote uses the same liability limits, deductibles, and add-ons so you’re comparing apples to apples.
COUNTRY Financial Auto Insurance Background
COUNTRY Financial started in the Midwest and has grown into a full-service insurer offering auto, home, life, and other financial products. It still leans heavily into a “local representative” model, meaning many customers buy and manage policies with help from an agent rather than handling everything end-to-end online.
One note for shoppers who remember older requirements: beginning with many renewals starting in 2025, COUNTRY stopped requiring an Illinois Farm Bureau membership for many personal lines and commercial policies (farm-related policies may follow different rules). If you’re unsure what applies to your household, ask your local rep what’s required for your specific policy type and state.
COUNTRY Financial Auto Insurance Coverage Options
COUNTRY Financial offers the core building blocks most drivers expect, including liability coverage, collision coverage, and comprehensive coverage. Depending on your state, you may also be able to add protections like medical payments coverage and personal injury protection (PIP).
For protection against drivers who don’t have enough insurance (or any at all), COUNTRY Financial also offers uninsured/underinsured motorist coverage in many states.
Popular Add-Ons and Endorsements
Where COUNTRY Financial can stand out is in its optional add-ons—features that can make a policy feel more “complete” if they fit your driving habits and budget. Availability and limits vary by state, so confirm details with your agent.
- Roadside Assistance reimbursement: COUNTRY reimburses up to $100 per event for eligible roadside needs like towing, lockouts, jump starts, and flat tire help. If you want a deeper breakdown of how roadside coverage typically works, see our emergency roadside assistance guide.
- Rental reimbursement: If your car is in the shop due to a covered claim, rental reimbursement can help pay for a temporary replacement vehicle. COUNTRY’s published example for auto claims is up to $40 per day, up to $800 maximum (state rules and coverages can vary).
- Trip interruption coverage: If you’re in an accident far from home, trip interruption may reimburse certain travel expenses such as lodging and meals (limits vary by state and coverage selection).
- Windshield/safety glass coverage: Some drivers choose an add-on that reduces or eliminates the comprehensive deductible for glass repairs or replacement. If you want to understand how this works in general, read our full glass coverage explainer.
- The Keeper® (new-car replacement): COUNTRY offers new-car replacement coverage called The Keeper® for eligible vehicles, designed to replace a severely damaged new car with a brand-new one of the same make and model (rules and eligibility apply).
- Personal effects coverage: If you regularly keep valuables in your car, ask about optional personal effects coverage for items stolen from inside the vehicle. (Keep in mind: many homeowners/renters policies also cover personal belongings, subject to your deductible and policy terms.)
COUNTRY Financial Auto Insurance Discounts
Discounts vary by state, but COUNTRY Financial commonly offers savings for things like bundling policies, insuring multiple vehicles, safe driving, and certain vehicle safety features. To get the best rate, ask your agent to review every discount you may qualify for—many carriers won’t apply all discounts unless you request them.
If you’re trying to lower your premium, start with the discounts that usually move the needle the most. Here’s a quick overview of the best auto insurance discounts to ask about, regardless of insurer.
Bundling can be one of the biggest wins. If you have homeowners insurance, learn how to bundle auto and home insurance the right way. Renters can often bundle too—see our guide on a renters and auto bundle discount.
Customer Satisfaction, Claims, and Complaints
Because COUNTRY Financial serves a smaller geographic footprint, it’s most commonly evaluated in regional studies rather than nationwide rankings. In the 2025 J.D. Power U.S. Auto Insurance Study (North Central region), COUNTRY Financial placed among the top providers in that region, scoring ahead of several large national insurers.
That said, always balance awards and ratings with real-world signals that matter to you: how easy it is to reach support, how smoothly claims are handled in your state, and whether repair shops in your area are familiar with the insurer’s process.
If you’re researching complaints, don’t rely on one site alone. The Better Business Bureau (BBB) may show a rating and complaint history for certain locations, but availability, subsidiaries, and complaint details can differ. For the most accurate picture, also check your state department of insurance complaint resources.
Digital Experience and Ease of Use
COUNTRY Financial is less “instant quote, buy online in 5 minutes” than many national carriers. You can start an online estimate, but many shoppers will still complete the process with a local representative to finalize coverages, discounts, and eligibility.
On the claims side, COUNTRY offers multiple options, including filing online, using a mobile app, or calling their claims line—so you’re not stuck with just one channel when you need help.
How to Get a Quote or File a Claim
To get an auto insurance quote: You can start online or call COUNTRY Financial’s quote line at 844-349-8416.
To file an auto claim: You can file through your online account, the mobile app, or call 866-COUNTRY (866-268-6879).
Final Verdict: Is COUNTRY Financial Auto Insurance Worth It?
COUNTRY Financial can be a strong choice if you live in one of its 19 states and you like the idea of working with a dedicated local agent—especially if you want add-ons like The Keeper® new-car replacement, glass coverage options, and straightforward roadside reimbursement. It’s also a good fit for households who can bundle multiple policies and stack discounts.
On the other hand, if you need coverage in many states, want a fully self-serve buying experience, or you’re strictly shopping for the absolute lowest price, you should still compare COUNTRY against a few competitors. The best insurer is the one that combines the right coverage, solid claims handling, and a premium you can live with.
