Started by a group of Illinois farmers a century ago, Country Financial now protects families in 19 states with insurance and investments under one roof. This Country Financial review covers what it sells, how it rates, and what it costs as of July 2026.
The company pairs traditional coverage with financial planning through local representatives, which appeals to people who want a single trusted contact. Here is how it measures up.
Key facts at a glance
| Detail | Country Financial |
|---|---|
| Founded | 1925 |
| Headquarters | Bloomington, Illinois |
| Products | Auto, home, life, farm, business, retirement and investments |
| States | 19 |
| AM Best rating | A+ (Superior) |
| Contact | 866-COUNTRY (866-268-6879) |
Rates and terms vary by state, driver, and policy.
What is Country Financial?
Country Financial traces back to 1925, when members of the Illinois Agricultural Association set up an organization to insure farmers against fire and lightning. It still keeps its headquarters in Bloomington, Illinois.
Today it is a group of companies offering both insurance and financial services. Customers work with local representatives who can handle everything from a car policy to retirement planning.
Products Country Financial offers
Country Financial covers a broad set of needs:
- Auto insurance
- Homeowners and renters insurance
- Life insurance
- Farm and ranch coverage
- Business insurance
- Retirement, investment, and trust services through COUNTRY Trust Bank
This mix lets members bundle insurance and savings with one representative, a selling point for people who prefer a single point of contact.
Where Country Financial operates
Country Financial is a regional company, not a national one. As of July 2026, it offers insurance and financial services in 19 states across the West, Midwest, and South.
If you live outside its footprint, you will not be able to buy a policy and should compare other carriers, including regional insurers like Shelter Insurance, Auto-Owners Insurance, and Grange Insurance. Even within its states, product availability can vary.
Because regional insurers can price very differently from the big national brands, it helps to see how Country Financial's quote compares. Insurify is a quote-comparison marketplace that checks more than 120 top-rated providers in minutes, so you can measure Country Financial against regional peers like Farm Bureau Insurance and the wider field on auto, home, or renters coverage.
Insurify
Insurify
Finding the best insurance shouldn't feel overwhelming. Insurify compares personalized quotes from 120+ top-rated providers in minutes — so you can save up to 50% on auto, home, renters, and pet insurance without the hassle.
Standout feature
Compare 120+ insurance carriers instantly. Save up to 50% on premiums.
Fees
Free
Pros
Compares 120+ carriers in real-time. Save up to 50% on premiums. BBB A+ rated.
Cons
Some users report unwanted communications from third-party providers.
Country Financial ratings and complaints
Country Financial scores well with the groups that grade insurers. As of July 2026, it holds an A+ (Superior) financial strength rating from AM Best, which points to a lower risk that it cannot pay claims.
Its complaint record is a strong point. Country Financial's NAIC complaint index has run around 0.87 overall and closer to 0.44 for auto insurance, both below the industry baseline of 1.00. That suggests fewer complaints than average for a company its size.
How much does Country Financial cost?
Pricing estimates vary. Some analyses show Country Financial offering competitive rates, while others put its full-coverage premiums on the higher side, depending on the state and driver.
Discounts for bundling auto and home, safe driving, and multiple policies can lower your bill, though in most states your credit-based insurance score still shapes the base rate. Rates and terms vary, so a personal quote is the only way to know your true cost.
Country Financial pros and cons
Here is a balanced view before you decide.
Pros:
- A+ (Superior) financial strength from AM Best
- Below-average complaint index
- Insurance and investments with one representative
- Solid farm and ranch coverage
Cons:
- Available in only 19 states
- Limited online buying; you work with a representative
- Fewer flashy discounts than some national brands
- Some customers report rate increases at renewal
Country Financial tends to fit people inside its states who want bundled insurance and financial planning with a local representative rather than an app-first experience.
If you prefer to handle coverage entirely online, it is worth pricing an alternative. Lemonade is an AI-driven insurer offering renters, home, pet, life, and car coverage with fast digital claims, which makes it an easy second quote to weigh against Country Financial.
Lemonade
Lemonade
Insurance that's fast, affordable, and actually feels good. Lemonade uses AI to process claims in seconds and donates leftover premiums to causes you care about. Get renters, home, pet, life, or car insurance — all from one app.
Standout feature
AI claims in seconds. Giveback program donates unused premiums. 2.9M+ customers.
Fees
Varies by policy (renters insurance from ~$5/mo)
Pros
Lightning-fast AI claims processing. Social impact through Giveback program. Beautiful, easy-to-use app (4.9★ App Store).
Cons
Limited home insurance availability (28 states + DC only).
What customers commonly report
Many customers report helpful local representatives and smooth bundling of insurance and financial products. The personal relationship is a frequent compliment, which fits the company's low complaint index.
A common complaint is claims delays and adjuster communication, along with rate increases at renewal that often reflect changes in claims history and, in many states, how credit affects car insurance. Experiences vary by representative and state.
Frequently Asked Questions
Is Country Financial a good insurance company?
Country Financial is widely viewed as strong and stable. It holds an A+ (Superior) rating from AM Best and has a below-average NAIC complaint index. It tends to suit people who want bundled insurance and financial planning with a local representative.
What states does Country Financial serve?
As of July 2026, Country Financial offers insurance and financial services in 19 states across the West, Midwest, and South. If you live outside that area, you will need to look at other carriers.
How do I contact Country Financial?
You can reach Country Financial at 866-COUNTRY, which is 866-268-6879, for customer service and claims support. You can also work directly with your local Country Financial representative for quotes and policy questions.
Does Country Financial sell more than insurance?
Yes. Along with auto, home, life, farm, and business insurance, Country Financial offers retirement planning, investments, and trust services through COUNTRY Trust Bank. This lets members manage coverage and savings with one representative.
