Compare Country Financial vs. 21st Century Insurance

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21st Century and Country Financial are both well-known names in the auto insurance world. 21st Century was founded in 1958, and Country Financial was founded in 1925. Country Financial is great because it offers an array of discounts and has a simple online platform. Additionally, it has the lowest auto complaint ratio for the Illinois Department of Insurance.

Meanwhile, 21st Century provides excellent customer service and affordable rates. However, 21st is known to raise people’s premiums, and Country Financial’s online quote system is quite limited.

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

  Country Financial 21st Century
Best If Country Financial
  • You want good discounts and a simple online platform
21st Century
  • You want good customer service
Worst If Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Country Financial 21st Century
Country Financial 21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts Country Financial 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Country Financial 21st Century
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 Country Financial 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Country Financial 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Country Financial 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Country Financial 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Country Financial Car Insurance 21st Century Insurance
2016 4 4
2015 2 2
2014 2 9
2013 4 3

U.S. Auto Insurance Shopping Study (2016)

Country Financial Car Insurance 21st Century Insurance
Overall Purchase Experience Below average
Policy Offerings Below average
Pricing Below average
Local Agent Below average
Call Center Representative Below average
Insurer Website Among the best

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

Country Financial Car Insurance 21st Century Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Below average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Average Below average
Rental Car Experience Average Average
Settlement Below average Average

Financial Strength Ratings

Country Financial Car Insurance 21st Century Insurance
A.M. Best A+ A
Moody's -- --
S&P's -- A+

Mobile Apps

Country Financial 21st Century
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.

21st Century

The 21st  iPhone app lets you view and pay insurance bills as well as have 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. Download the app for iPhone here

Roadside Assistance

Country Financial 21st Century
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.

21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. At no additional cost or no additional coverage on your policy, 21st Century gives policy holder access to 24-hour roadside service.

21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair facility. The cost of parts such as tires, batteries, belts and gasoline are not covered.

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

The 21st Century Roadside Assistance Hotline: 1 (888) 244-6163.