Compare Country Financial vs. American Family Insurance

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Country Financial and American Family are two of the biggest names in the auto insurance world. These companies were founded two year apart—Country Financial founded in 195 and American Family in 1927. Country Financial is well liked for their great discounts and simple online platform, while American Family is well liked for their discounts as well, as their extra coverage options. On the other hand however, American Family is only offered in 19 states and Country Financial’s quote system is quite limited. Nevertheless, both companies have excellent financial strength ratings. 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 American Family
Best If Country Financial
  • You want good discounts and a simple online platform
American Family
  • You want many discount options or additional coverage
Worst If Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

Special Car Insurance Discounts

Country Financial American Family
Country Financial American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Country Financial Car Insurance American Family Car Insurance
2016 4 33
2015 2 32
2014 2 18
2013 4 9

U.S. Auto Insurance Shopping Study (2016)

Country Financial Car Insurance American Family Car Insurance
Overall Purchase Experience Above average
Policy Offerings Above average
Pricing Above average
Local Agent Above average
Call Center Representative --
Insurer Website --

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

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

Financial Strength Ratings

Country Financial Car Insurance American Family Car Insurance
A.M. Best A+ A-
Moody's -- --
S&P's -- A

Mobile Apps

Country Financial American Family
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.

American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Roadside Assistance

Country Financial American Family
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.

American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).