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Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Nov 09, 2022 Bankrate logo The Bankrate promise
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4.1 Bankrate Score Home 4.2 Auto 4.0 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Country Financial is well-known for its high customer service ratings and array of insurance products tailored to rural communities. However, it is not available in all states. Pros and Cons Quick Look Pros Special coverage options such as farm, ranch, business and crop investment insurance, and multiple product lines High customer satisfaction score Several unique discount options Cons Only serves 19 states Lower than average mobile app rating on Google Play Higher than average full coverage car insurance premium Avg. annual auto insurance premium for full coverage: $1,797 Avg. annual auto insurance premium for min coverage: $517 Avg. annual home insurance premium for $250k dwelling coverage: $2,364 Compare rates Answer a few questions to see personalized rates from top carriers Country Financial Insurance Company got its start in 1925 by selling fire and lightning insurance to Illinois farmers. Today, the company is well-known for its high customer service ratings and array of insurance products tailored to rural communities. However, it is not available in all states. Country Financial Insurance offers , , and insurance, but also has insurance products tailored to rural and farm communities. This includes farm and ranch insurance, as well as business and crop investments coverage. Those who prioritize a good customer service experience and live within Country Financial’s coverage area may find the company worth a look. To see if the company might be a fit for you, Bankrate covers everything you need to know in this Country Financial Insurance Review. Country Financial car insurance
Country Financial car insurance received a of 4.5 out of 5 thanks to high third-party ratings and a wide range of coverage options. The company ranked third in the for the North Central region, showing high customer satisfaction in the states where it operates. Country Financial received an score of A+ (Superior) for its historic ability to pay out claims, and received fewer complaints than average filed with the National Association of Insurance Commissioners (). The company's mobile app, however, has a rating of 3.4 out of 5 stars on , a lower rating than many of its competitors. Country Financial offers for many types of vehicles, including cars, motorcycles, boats and recreational vehicles. The company offers standard coverage options such as , , , and more. In terms of additional coverage options, the company offers , roadside assistance, vehicle rental and trip interruption coverage, and more. Country Financial writes policies in 19 states: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions Quick facts on average this year by shopping for new car insurance Rates vary by state The average American pays for auto insurance Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Country Financial car insurance cost
Country Financial car insurance costs an average of $1,797 per year for a full coverage policy and $517 per year for a minimum coverage policy, according to Bankrate's 2022 study of quoted annual premiums. On average, Country Financial policyholders pay slightly more for full coverage than the national average of $1,771 per year, and pay slightly less for minimum coverage than the national average of $545 per year. Below, see how Country Financial's average rates stack up against the national average after certain life events. Country Financial average annual full coverage premium National average annual full coverage premium Clean driving history $1,797 $1,771 Speeding ticket conviction $2,257 $2,138 At-fault accident $2,413 $2,521 Adding a 16-year-old driver* $4,433 $3,852 *16-year-old rates reflect the total cost of a 16-year-old (male or female) and married parents on the same policy. Country Financial car insurance discounts
Wondering with this provider? Country Financial offers several standard discounts such as multi-policy discounts and student discounts, alongside unique including: Engaged couple discount If you’re getting married sometime in the next year and insure each of your vehicles with Country Financial, you may qualify for this discount. Simply Drive discount If you just got your license and have a policy with Country Financial, you may be able to get a discount for completing the company’s safe driving course. Advance quote discount If you get an online quote from Country Financial before your current auto insurance policy expires, you could receive a discount. Occupation discount If you are a full-time K-12 teacher, firefighter, police officer, EMT or paramedic, you may qualify for a discount from Country Financial. Country Financial car services
In addition to standard auto coverage, Country Financial offers coverage for your motorcycle, boat and recreational vehicle. The company also offers services. Country Financial home insurance
Country Financial home insurance received a Bankrate Score of 4.2 out of 5 based on several factors including third-party ratings, coverage options and available discounts. The company received a higher-than-average score from J.D. Power in the , showing general customer satisfaction. Policyholders also filed with the NAIC against the company. However, be aware that the company's mobile app received a score of 3.4 out of 5 on Google Play, lower than many of its competitors. When it comes to home insurance, Country Financial offers , from standard property and liability coverage, to add-ons like sewer back-up coverage and identity theft expense coverage. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Country Financial home insurance cost
Country Financial's average annual premium for $250,000 in dwelling coverage is $2,364, based on Bankrate's 2022 study of quoted annual premiums. Compared to the 2022 of $1,383 per year for the same amount of coverage, Country Financial policyholders pay more than average for their home insurance. Dwelling coverage limit Country Financial average annual premium National average annual premium $150,000 $1,778 $980 $250,000 $2,364 $1,383 $350,000 $3,096 $1,887 $450,000 $3,778 $2,351 $750,000 $5,419 $3,414 Country Financial home insurance discounts
Country Financial offers several standard home insurance discount options such as home insurance savings for holding multiple policies with the company. Country Financial also offers the following unique : You could qualify for a discount if your roof meets certain standards. All you have to do is provide Country Financial with your roof's manufacturer name, date the shingles were manufactured and installed, and the manufacturer's warranty, bill of sale or warranty. If you just replaced your roof, you could receive a discount from Country Financial. If you live in Iowa, Minnesota, North Dakota or Washington and have new electrical wiring that meets certain standards, you may receive a discount. Hail-resistive roof discount You could qualify for a discount if your roof meets certain standards. All you have to do is provide Country Financial with your roof’s manufacturer name, date the shingles were manufactured and installed, and the manufacturer’s warranty, bill of sale or warranty New roof discount If you just replaced your roof, you could receive a discount from Country Financial Wiring age discount If you live in Iowa, Minnesota, North Dakota or Washington and have new electrical wiring that meets certain standards, you may receive a discount Country Financial home services
Country Financial offers that can help you decipher what type of home you're able to purchase. The company also offers a series of personal finance and budgeting resources designed to help people take control of their finances. Country Financial life insurance
Country Financial life insurance offers a full suite of to personalize your life insurance policy based on your needs. Unlike competitors that only offer term or whole life insurance, Country Financial offers term life, whole life and universal life insurance policies. The company also offers a wider range of riders than many of its competitors for term, whole and universal life insurance. This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser. Compare life insurance providers quickly and easily
See which provider is right for you. The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses. Whole life insurance combines life insurance with an investment component. Coverage for life Tax-deferred savings benefit if premiums are paid 3 variations of permanent insurance: whole life, universal life and variable life include investment component Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time. Fixed premium over term No savings benefits Outliving policy or policy cancellation results in no money back Find matches Powered by HomeInsurance.com (NPN: 8781838) This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Bankrate Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable. See more providers in Choose from insurers in Show More Country Financial life insurance endorsements
As mentioned above, the company offers several . These endorsements could help you personalize your policy to your needs. Country Financial's riders listed on the website include: Child term insurance: This endorsement provides up to $50,000 in coverage for each of your children between ages 0 and 17. The child has the ability to convert the policy to whole life insurance at age 23 without taking additional medical exams. Disability waiver of premium: This endorsement allows you to stop paying premiums if you were to become disabled before age 65. : This rider allows you to access your death benefit while you're still alive should you develop a certain illness or disease. : This rider, available on 20- or 30-year term policies, returns your base premiums paid if you're still alive at the end of your life insurance term. Insured term rider: This rider allows term policyholders to personalize their coverage. Index dividend feature rider: This rider gives policyholders the ability to potentially increase dividends. Paid-up additions rider: This rider allows the insured to build additional cash value. Term insurance for you or your spouse: This rider adds term coverage for you or your spouse to an existing whole life policy. : If you pass away due to an accident before age 70, this rider would pay an additional amount. Guaranteed insurability option: This rider allows you to buy additional whole life coverage without undergoing a medical exam every three years between the ages of 22 and 43. Country Financial life services
Country Financial offers investment and retirement services such as IRAs, 529 plans, annuities, and plans. You can find a through the company's website to talk about these options with you. Other Country Financial perks worth considering
While auto, home and life insurance may be Country Financial’s most popular insurance policies, the company also offers many other products to build out your insurance plan. The following perks may nudge you to consider Country Financial for your insurance and financial needs. Financial service products: In addition to insurance, the company offers IRAs, managed accounts, annuities and more. Local representatives: You can find Country Financial representatives in your area through the company’s website. : This type of insurance provides a large amount of liability coverage for a variety of scenarios. : If you rent a property, you may benefit from Country Financial’s renters coverage. : If you own a rental property, you may want to look into this coverage. Farm insurance: The company offers coverage for your farm, livestock and/or country estate. Country Financial corporate sustainability
The Country Financial insurance review would not be complete without a discussion of the company's social outreach. In 2020, Country Financial thousands of dollars to organizations working to serve and support those affected by coronavirus. The company's employees in their communities and the company provides kids with youth financial education materials. Not sure if Country Financial is right for you Consider these alternatives
Country Financial may not be the right choice for everyone. If it isn’t quite right for your needs, you may want to consider one of these options. : Thanks to its excellent customer satisfaction ratings and near-nationwide availability, State Farm won a Bankrate Award for , and . If Country Financial doesn’t write policies in your state or you want one of the highest rated companies for customer service, you may want to consider State Farm. : If you’re a member of the U.S. Military, a veteran or a qualifying family member, you may want to check out USAA. The company won multiple Bankrate Awards and offers coverage options specifically tailored to service members. : If you want a cheaper auto insurance company, you may want to check out Travelers, which won the Bankrate Award for the best budget auto insurance company. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Auto
$100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts. Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident. Homeowners
Homeowners dwelling coverage levels were calculated using our base profile and applying 2022 rates obtained from Quadrant Information Services for the following coverage limits: Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000 Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000 Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000 Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Bankrate Scores
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Compare rates and save on auto insurance today! Get quotes Close X On This Page
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