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Auto Insurance

It's easy to be carefree when you're covered.

To be fully protected, you need coverage you can depend on. Our insurance covers the realities of driving - and lets you focus on the fun stuff.

Auto Insurance

Intro to Auto Insurance

Accidents happen. When they do, having the right auto insurance can make a big difference.

Most states require minimum liability insurance. And if you have a loan on your car, you may have to carry collision and comprehensive coverage. The rest is up to you.

Along with great rates and some of the best claims service around, COUNTRY Financial® offers a variety of ways to customize your car insurance so you can cruise the road with confidence.

Coverage Options

Physical Damage

Physical Damage provides protection for damage to your vehicle if you have a covered accident, and you choose a deductible for each coverage. Your deductible is the amount you’re responsible for each time you have a covered claim. Your insurance costs will be lower with a higher deductible, but your costs at claim time will be higher.


Coverage for damage to your vehicle in situations like hitting another car or getting into a single vehicle accident

Deductible choices: $502, $100, $250, $500, $1,000


Coverage for your vehicle from claims like theft, vandalism, hail, and falling objects

Deductible choices: $0, $502, $100, $250, $500, $1,000

Uninsured Motorists Property Damage

Pays the amount you’re legally entitled to recover for damages to your vehicle in a covered accident caused by someone who does not have insurance or by a hit-and-run motor vehicle. In some states identification of the hit-and-run driver is required. Coverage, deductible and availability varies by state

Liability and Medical Insurance

Liability insurance can protect you if you’re at fault in an accident and responsible for injuries to others or damage to property. Medical costs and lawsuits can be costly, so it’s important to carry the right coverage limits for your situation . Coverage amounts vary by state and if you’re not sure what to choose, we can help you figure it out.

More about Liability

Auto insurance divides liability coverage into two parts:

Bodily Injury coverage protects you for the cost of injuries you may cause to someone else, up to the coverage limits you choose.

Property Damage coverage protects you for the cost of damage you may cause to the property of others, up to the coverage limit you choose.

More about Medical

Medical Payments coverage provides protection for you and your passenger(s) if you get in a covered accident causing injuries, regardless of fault. It pays medical bills you or your passengers have within two years1 of a covered accident.

Personal Injury Protection2 provides coverage for certain expenses related to injuries from an accident such as lost wages and child care expenses.

Uninsured and Underinsured Motorist Protection

This coverage gives you protection for injuries you experience if an uninsured or underinsured driver is at fault.

Uninsured Motorists

Pays if you or someone in your car is injured or killed in a covered auto accident when the other driver is at fault and doesn’t have insurance. This coverage is for injuries, not damage to your vehicle.

Underinsured Motorists

Pays if you or someone in your car is injured or killed in a covered auto accident when the other driver is at fault and does not have enough insurance to pay the damages for those injuries.


Talk to your COUNTRY Financial representative to see if you qualify for:

(Availability and amount of discounts vary by state.)

Anti-Theft Discount

Vehicles equipped with an alarm or anti-theft device may save you money on your Comprehensive Coverage.


Defensive Driver Discount

Successfully complete a state-approved motor vehicle defensive driving course, and you may be eligible for a discount of up to 5%.

Discounts for Teens

Insurance is often expensive for young drivers. So we offer specific discounts for them to help with those costs.  

Learn more about Auto Insurance for Teens

Engaged Couple Discount

If you’re engaged to be married within 12 months, one of you is at least 21 years old, and you insure all eligible vehicles with COUNTRY, you may qualify for a discount.

Multi-Car Discount

Insure two or more cars with COUNTRY Financial and save money on both. When parents qualify for this discount, it can be extended to unmarried drivers under age 25 who live away from home.

Multi-Policy Discount

Save up to 25% if you have home insurance or another qualifying policy or investment product with us. The discount may also be extended to unmarried children under age 25 who live away from home.

New Vehicle Discount

If you have a new model year car or truck, you could save up to 10%.

Occupation Discount

Full-time teachers of grades K-12 may be eligible for up to a 10% discount. Firefighters, Police Officers, EMTs and Paramedics may save up to 5%.

Additional Coverage Options

We offer several other options to customize your auto insurance coverage and give you peace of mind on the road.

Emergency Road Service

If you’re ever stranded on the road or lock your keys in your car, help is a phone call away, 24 hours a day. It reimburses you up to $100 total for towing, delivery of motor fuel and repair parts, and labor charges at the place you’re stranded.

Vehicle Rental and Trip Interruption

Reimburses up to $800 for a rental car if you have a covered loss; coverage also applies to travel expenses you have, like transportation, lodging, and meals, if you have an accident more than 100 miles from home. Dollar limit varies by state.

Safety Glass Coverage

Waives your comprehensive deductible for the cost of repairing or replacing glass in your car, like windshields, windows, and light covers.

Personal Effects Coverage

Protects certain valuables in your car, like music equipment and electronics, up to $800. A $100 deductible applies.

Special Tenants Coverage for Renters

Designed for renters with basic needs, this provides you with renters insurance on your auto policy, instead of having to buy a separate renters insurance policy. You’ll have coverage for your stuff up to $20,000 and a $250 deductible.

Umbrella Insurance

If you’d like more liability insurance than what your auto policy provides, you can purchase umbrella insurance and get extra coverage up to $1 million or more.

The Keeper® - New Car Coverage

If your car suffers severe damage, most insurance will pay for repairs up to the car’s current market value. With The Keeper, we’ll pay for a brand new car, same make and model, depending on the amount of damage. The Keeper protects newer vehicles up to four model years3 for collision and comprehensive damage other than theft, fire and larceny — talk to a COUNTRY Financial representative to get all the details.

We can help!

Give us a call 24 hours a day.



For product and service information, read our Terms & Conditions.

1 In GA and ID, three years

2 Not available in all states.

3 Vehicles four model years old and older are also protected in AZ. Limitations apply in AZ.

Minnesota policyholder surcharge information: