Car Insurance From Country-Wide Insurance Company: Is it good?

Country-Wide Insurance Company offers auto insurance for personal vehicle and commercial truck drivers. A regional small business, Country-Wide car insurance is only available to residents of New York State. Personal service and attention are key features, as well as the ability to manage your policy online.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • Country-Wide Insurance Company provides personal car insurance and commercial truck insurance to drivers in New York State
  • As a regional small business, Country-Wide is able to offer personalized customer service and one-on-one attention from its stable of independent agents
  • Country-Wide does not offer the expanded coverage options or nationwide coverage of larger companies

Country-Wide Insurance Company has been providing car insurance for nearly 60 years. Country-Wide sells personal car insurance and commercial truck insurance. Despite the name, Country-Wide operates exclusively in New York State. As a smaller company, Country-Wide is able to provide quality personal customer service, and the car insurance company has a network of independent agents covering the entirety of New York.

Country-Wide insurance may be a good deal for you if you live in New York State, as the company features one-on-one broker interactions for all of your car insurance needs. As a regional company, Country-Wide lacks features like online quotes and nationwide coverage. Still, drivers looking for car insurance in New York may enjoy starting a relationship with this local business.

Country-Wide is not exactly a household name in the insurance business. As they only sell private and commercial car insurance, and only in the state of New York, Country-Wide is more focused on building a local reputation. New policyholders are welcomed into the family and promised a unique and personal experience. You cannot purchase coverage from Country-Wide if you live outside of New York State.

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Country-Wide Car Insurance

Country-Wide auto insurance provides all the basics you need to keep you and your car on the road. Whether you need liability auto insurance coverage or a full coverage car insurance policy, Country-Wide has you covered.

As they are a smaller company, Country-Wide is not able to provide the type of add-ons and expanded coverage plans available with a nationwide insurance carrier. However, while Country-Wide does not offer extras like roadside assistance or accident forgiveness, they do have all the necessary coverage options for drivers in New York State.

In addition to the minimum liability coverage for New York drivers, Country-Wide has all of the traditional auto insurance plans. You can get affordable policies with Country-Wide that include personal injury protection, uninsured or underinsured motorist coverage, as well as bodily injury protection. You can also upgrade to features like collision, medical payment coverage, and comprehensive insurance plans to handle all manner of eventualities.

Country-Wide Commercial Trucking Insurance

In addition to providing personal auto insurance policies to drivers of passenger vehicles, Country-Wide Insurance Company also offers commercial trucking insurance. As truck drivers necessarily cover a greater driving distance than the typical customer, Country-Wide provides coverage to truckers throughout New York State and the surrounding tri-state area. Commercial truck drivers in New Jersey and Connecticut can also do business with Country-Wide.

Country-Wide Insurance Discounts

As a local business, Country-Wide does not operate with a large volume of customers. As such, they do not offer car insurance discounts on their website. To find the best rates available, you may want to contact a Country-Wide agent directly. Any savings that might be available will be temporary and specific to each case, so up-to-date information is key.

Canceling Your Policy with Country-Wide

Canceling your policy with Country-Wide generally follows the standard procedure. You should have no issue canceling at any time and without a cancellation fee. You should not need to wait for your annual contract to run out or have any other issues with cancellation whenever the need arises. Regardless, you should contact your Country-Wide Insurance Company broker to ensure there are no fees or conditions that apply.

Country-Wide Car Insurance Payment

Country-Wide makes it easy to keep up with your payments. You are welcome to call the company and make a payment over the phone, or to mail in your monthly payment. If you would rather pay your monthly bills online instead of mailing or calling in your payments, you can use online bill pay. Find your policy number on your ID cards, on an invoice, or from the policy declaration page itself. Then visit the company website to locate your individual account. From there, you can easily make electronic payments online. If you need further assistance, the website has detailed instructions to help ease your concerns about making payments online.

Country-Wide Car Insurance Quotes

The cost of Country-Wide car insurance will be different for every driver. Your car insurance rate is based on a variety of factors, like the state you live in, your claim history, and your driving record. The average costs for car insurance in the U.S. are $79.58 per month, but they will vary based on your age, household, and other factors.

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Country-Wide Car Insurance Reviews

Country-Wide prides itself on personal customer service and face-to-face interaction, and by no means is it a financial powerhouse. This will necessarily be reflected in reviews and scores from national insurance reviewers and customer complaints.

As a regional company without a nationwide footprint, Country-Wide Insurance Company does not receive a ranking from J.D. Power. However, the Better Business Bureau gives Country-Wide a B-. This is due to reviews from customers that complained of delays in claim satisfaction.

The National Association of Insurance Commissioners (NAIC) compiles a yearly report of complaints issued by consumers. The NAIC ranks Country-Wide Insurance Company at more than double the national average rating for customer complaints. Despite their efforts at providing high-quality customer service, it seems Country-Wide still has some work to do in this area.

A.M. Best has recently upgraded its credit ratings of Country-Wide Insurance Company for financial strength and reliability. Country-Wide received a score of C++, which is classified as “Marginal.” This rating reflects Country-Wide’s perceived ability to fulfill its financial obligations and pay out on claims. Marginal is considered average when compared with insurance companies nationwide, though A.M. Best considers the future outlook for Country-Wide to be positive.

From a big picture perspective, it seems Country-Wide does not quite measure up to the cream of the crop in the auto insurance industry. Still, New York drivers looking for an independent broker and one-on-one communication can find a good business relationship with Country-Wide. You may find the personal touch a much-needed breath of fresh air in today’s anonymous, computerized world of online chats and automated phone systems.

Some disadvantages of insurance with Country-Wide cannot be ignored. Country-Wide does not offer automatic quotes online, so you will have to contact an agent to get a quote. Of course, Country-Wide sees this as a positive aspect of its personal approach.

As mentioned, any possible discounts or non-standard coverage options that may be available are only known to Country-Wide agents. You will not find this information online.

Country-Wide does appear to have a mobile app that offers policy management and emergency assistance, but it is not available outside of the Country-Wide coverage area, so this reviewer cannot confirm its functionality. And remember, you can only have coverage with Country-Wide if you live in the region, so you will have to change insurance companies if you move out of New York State.

The Bottom Line on Country-Wide Auto Insurance

Since Country-Wide started doing business in 1963, the car insurance company has grown from a few dozen employees to several hundred. This family-owned and operated business is dedicated to keeping its highly trained staff in touch with the local community. In a state like New York, diversity is key, and Country-Wide’s staff embraces a multi-lingual, multicultural approach to service.

Having hundreds of brokerage offices spread throughout New York City and the state at large enables Country-Wide to provide the personal service customers love.

Not to be left behind in this technological age, Country-Wide Insurance Company is committed to staying on the cutting-edge of technology as a vital piece to its business plan. The user-friendly website and convenient mobile app make it easy for customers to interact with their agents and stay on top of policy details.

If you’re a resident of New York State or a truck driver in the local tri-state area, you may want to consider Country-Wide Insurance Company for your car insurance needs. It’s true that some customers have provided negative feedback over the years, and the company is not a financial juggernaut. However, the easy-to-use website and engaging and friendly employees can help you find your way through the confusing world of auto insurance.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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