Compare Allstate vs. Country Financial Insurance

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Allstate and Country Financial are both good providers of auto insurance in the U.S. Allstate was founded in 1931, while Country Financial was founded in 1925. Country Financial is well-known for writing insurance for its consumers who live in rural areas. Both companies have A+ ratings from A.M. Best for financial strength, but Allstate has many more rankings than does Country Financial because of its size.

However, Country Financial was rated among the best auto insurers for the North Central region of the U.S. by J.D. Power, and also has the lowest auto complaint ratio for the past 11 years according to ExpertInsuranceReviews.com.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate Country Financial
Best If Allstate
  • You want easy, online tools to access your account
Country Financial
  • You want good discounts and a simple online platform
Worst If Allstate
  • You're looking for reasonably priced premiums
Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited

Special Car Insurance Discounts

Allstate Country Financial
Allstate Country Financial

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate Country Financial
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate Country Financial
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allstate Country Financial
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate Country Financial
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate Country Financial
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate Country Financial
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance Country Financial Car Insurance
2016 322 4
2015 460 2
2014 569 2
2013 530 4

U.S. Auto Insurance Shopping Study (2016)

Allstate Insurance Country Financial Car Insurance
Overall Purchase Experience Below average
Policy Offerings Average
Pricing Below average
Local Agent Average
Call Center Representative Below average
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allstate Insurance Country Financial Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Average Above average
Appraisal Above average Average
Repair Process Below average Average
Rental Car Experience Above average Average
Settlement Average Below average

Financial Strength Ratings

Allstate Insurance Country Financial Car Insurance
A.M. Best A+ A+
Moody's Aa3 --
S&P's AA- --

Mobile Apps

Allstate Country Financial
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

Country Financial

Snap N Send by Country Financial is an app that lets you record your Vehicle Identification Number (VIN) and take photos of the damages to your vehicle. You can then send the photos to Country Financial and get a repair estimate within minutes. To download Snap N Send, click here.

Roadside Assistance

Allstate Country Financial
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
Country Financial

COUNTRY FINANCIAL Road Service

COUNTRY Road Service coverage on your policy will cover up to $100 for a tow to the nearest service center. Also, pay up to $100 for locksmith services and gas delivery.

Services Covered

  • Towing
  • Locksmith
  • Gas deliver

Contact Phone Number

For towing or other roadside services, you can call 866-COUNTRY (866-268-6879).

Roadside assistance is available 24 hours a day, 7 days a week.