Compare GEICO vs. Country Financial Insurance

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GEICO and Country financial are a couple of the most top-rated companies in the auto insurance world. Country Financial was founded in 1925, and GEICO was founded in 1936. Both companies have their strengths and weaknesses. For instance, GEICO provides great customer service and low premiums, but only offers car and motorcycle insurance, other products are offered through third parties.

On the other hand, Country Financial has great discounts and a simple online platform, but their quoting system is rather limited. Nonetheless, GEICO and Country Financial have superior financial strength ratings and A+ ratings from the Better Business Bureau. 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

  GEICO Country Financial
Best If GEICO
  • You want great customer service and low premiums
Country Financial
  • You want good discounts and a simple online platform
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited

Special Car Insurance Discounts

GEICO Country Financial
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Country Financial

Standard Car Insurance Discounts

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

Consumer Complaint Data

GEICO Car Insurance Country Financial Car Insurance
2016 144 4
2015 283 2
2014 267 2
2013 188 4

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

GEICO Car Insurance Country Financial Car Insurance
A.M. Best A++ A+
Moody's Aa1- --
S&P's AA+ --

Mobile Apps

GEICO Country Financial
GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO 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

GEICO Country Financial
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.

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.