Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Yearshttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/autoinsuranceez-live/2020/03/92dadfeb-rachael-brennan.jpg

UPDATED: Aug 23, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

Can't-Miss Facts

  • Country-Wide Auto Insurance was founded in 1963 and services the downstate New York area.
  • A.M. Best has give Country-Wide Insurance a C+ rating.
  • You can file a Country-Wide Insurance claim by calling 212-344-8700.

Are you a native New Yorker looking for an insurance company that can claim the same? Then you might be looking for insurance coverage from Country-Wide Insurance. They pride themselves on being a family-owned and operated business, offering “value-added” benefits, and employing “Cutting edge technology to foster an ease of doing business”.

They were incorporated back in 1963 and have been selling auto insurance in New York ever since. For information on the insurance company how to receive a Country-Wide insurance quote, read on.

Country-Wide Insurance Review

When you’re looking into a new insurance company, whether you’re dissatisfied with your current provider or just looking for a more affordable deal, you’ll want to make sure your new company is rated highly before making a switch. But if you’re considering Country-Wide, you may want to tread carefully.

A.M. Best has given the company a financial strength review of C+, which means the ability for Country-Wide insurance claims to be paid out may be compromised. Likewise, although they have improved their rating in recent years with the Better Business Bureau, they still have a D-. The Country-Wide Insurance claim number is 212-344-8700.

Country-Wide Insurance Corporate Ratings
Ratings AgencyCountry-Wide Ratings
A.M. Best Financial Strength RatingC+ (Marginal)
Better Business Bureau Rating – NationwideD-
NAIC Compaint Index4.28 (Median Index: 1.00)
Get Your Rates Quote Now

Read on for information on the auto discounts available from Country-Wide.

Country-Wide Insurance Discounts

Despite the company’s “About Us” page insisting that they use cutting-edge technology in their business practices, there isn’t very much information on their website about what sort of discounts, if any, you can expect if you purchase an auto policy from Country-Wide.

Watch this video for more on the types of discounts offered by auto insurance companies.

For the most factual and up-to-date car insurance discounts, your best bet is to contact your local Country-Wide insurance agent. Comparing insurance rates is easy when you use our helpful tool, which can be found below.

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Country-Wide Auto Insurance Options

If you are going to own and operate an automobile in New York, you are legally required to purchase:

At the very least, Country-Wide should be able to offer you liability coverage in the amounts mandated by the state of New York in order to make sure you can drive legally. Aside from that, it is difficult to know for sure what other types of coverage Country-Wide may offer – unless you call up an agent and ask them, that is.

Comparing Country-Wide Insurance Quotes

If you’re shopping around for the best deal, then you’re going to have to compare your current provider against other providers, including Country-Wide, that operate near you and can write you an auto policy.

Despite the cutting-edge technologies that Country-Wide uses in their day-to-day business, we were unable to find estimated quotes for their auto policies online. You can reach out to a Country-Wide insurance agent for more information.

Country-Wide Auto Insurance Quote Comparison Legend: Allstate State Farm Mercury Average Rate Illinois Average California Average Texas Average Florida Average New York Average 50 100 150 200 250 300 350 $52 $34 $89 $34 $146 $139 $88 $64 $71 $89 $260 $105 $147 $230 $353 $126 $72 $93 $231 $93

The chart above, though, displays some estimated quotes from other insurance providers across the country. Just keep in mind that these are only estimates, and can’t necessarily be guaranteed. But the numbers above can help you put a quote from Country-Wide into context. That way, you can determine whether or not they are giving you the best deal.

Make life a bit easier for yourself and enter your ZIP code to get a FREE insurance quote right now.

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Pros and Cons of Country-Wide Insurance

Let’s take a look at the pros and cons of Country-Wide Insurance.

Country-Wide Auto Insurance Pros and Cons
ProsCons
Local expertise in NYC: despite its name, Countrywide focuses solely on the New York City metropolitan area and suburbsPoor reviews and higher than average complaints recorded from policyholders about claims and settlement process
They incorporate “cutting edge” technology in their business practicesThis purported level of technological expertise is conspicuously absent from the company website
Boasts a racially diverse staff that can speak to and service customers in many different languages“Marginal” financial creditworthiness, as rated by AM Best
Get Your Rates Quote Now

If you’re a native New Yorker, you can probably appreciate having your auto policy managed by a local business. However, they have shaky financials and a plethora of customer complaints filed against them in recent years (although there are small signs that the customer service situation is improving).

You may be asking yourself, “How do I find a Country-Wide Insurance office near me?”

You can find Country-Wide in Brooklyn, Queens, and the other boroughs. Country-Wide Insurance’s phone number can be found below.

Whether you’re sold on Country-Wide yet or not, it’s still important to make sure you compare rates with other providers in your area. Additionally, for information more information driving in New York, contact your local DMV.

You can find the Country-Wide insurance company address below.

Corporate Headquarters
40 Wall Street 14th Floor
BNew York, NY 10005
www.cwico.com
Phone:212-809-9300
Fax: 212-381-3100

Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

Full Bio →

Written by

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

Full Bio →

Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Yearshttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/autoinsuranceez-live/2020/03/92dadfeb-rachael-brennan.jpg

UPDATED: Aug 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

Key Reckless Driving Information
Reckless Driving FactsSource
Reckless Driving is defined as driving a vehicle recklessly or at a speed in a manner so as to endanger someonelaw.lis.virginia.gov
Maximum reckless driving penalties in VA: 12-month jail sentence, $2,500 finemedvinlaw.com
Driving 25 miles per hour or more over the posted speed limit is reckless drivinglawfirms.com
Racing with another vehicle is reckless drivinglawfirms.com
Trying to elude a police officer is reckless drivinglawfirms.com
Operating after dark without headlights is reckless drivinglawfirms.com
Inattention due to cell phone use or texting is reckless drivinglawfirms.com
Passing another vehicle on a two lane highway where visibility of oncoming traffic is limited is reckless drivinglawfirms.com

We understand that finding the right insurer can be a hassle. This is further exacerbated by the fact that a reckless driving and auto insurance rates do not mix well.

Reckless driving insurance coverage can unfortunately be quite hard to come by, at least for a reasonable price. We’re going to go through everything you need to know step by step so you can find the best cheap auto insurance.

Before learning more about reckless driving and auto insurance rates, please feel free to type your ZIP code into our tool above to find insurers in your area. You may even be able to find cheap auto insurance with speeding convictions on your record, along with reckless teenager quotes.

I Have Been Convicted of Reckless Driving

Unfortunately, your insurance rates are likely to increase.

What is considered reckless driving? Virginia law defines reckless driving as “Irrespective of the maximum speeds permitted by law, any person who drives a vehicle on any highway recklessly or at a speed or in a manner so as to endanger the life, limb, or property of any person.”

reckless driving ticket could cost you anywhere from $300 to $1,000. But, that’s not all. You’ll also have your driving record to think about. How long does reckless driving stay on a record? A staggering 11 years.

Remember that you will also have to put a reckless driving charge on your future job applications.

If you were convicted of reckless driving, insurance rateswill most likely skyrocket for you. A reckless driving conviction is a serious offense that will likely yield increased insurance costs for many years.

Some drivers have seen their rates increase by 50 percent or more for reckless driving, while others have been unfortunate enough to have their car insurance canceled by their provider. If that happens, you have to go through the hassle of having your license reinstated. Here’s a video on how to do so in the state of Virginia.

There are many states in the U.S. concerned with decreasing speed, lowering the number of drunk drivers on the road, reducing reckless driving, and improving road safety. Many of these states have created basic courses such as Driver’s Ed, Driver Safety, and Defensive Driving classes for motorists.

As a driver, you can find these courses online, you can take them in a classroom, or you can get personal instruction behind the wheel with a driving instructor who will ride along with you.

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Legal Assistance for Reckless Driving

If you’re having an exceptionally hard time finding coverage, you may wish to seek legal counsel. With the help of an attorney, you can figure out exactly what your rights are and what would be a fair premium to pay.

A lawyer who is skilled in traffic law may be able to help you negotiate the charge down to a lesser offense, thus improving your record. Of course, most of what happens in the wake of a reckless driving charge is heavily dependent on state law, so a local lawyer will know best how to help you.

Here’s a video from a California law firm that offers legal assistance for offenses like reckless driving.

Let’s move on to look at what will happen to your premiums.

What happens if I’m charged with careless driving?

Your insurance premiums will go up.

For a reckless driver in Alabama, for example, there are two different classes you can take in order to improve your record. The first is a four-hour class, but in order to take it, you must have had no moving violations on your record within the past five years.

After that, if you’d like to improve your record further, there’s an eight-hour class on defensive driving you can take. The aforementioned four-hour class is required, in addition to a clean record since taking it, or you must be taking the eight-hour class in order to clear a recent reckless driving charge.

Find careless driving insurance in your state and learn how traffic violations increase car insurance rates. There’s little doubt that if your record shows reckless driving, your insurance will increase.

Let’s take a look at a table comparing rates for those with a clean record versus those with a record containing a reckless driving citation.

Average Annual Auto Insurance Rates Due to Reckless Driving
StatesAverage Rates with a Clean RecordAverage Rates with a Reckless Driving Violation
Illinois$34$49
California$64$164
New York$93$153
Texas$105$145
Florida$126$225

As you can see, a reckless driving ticket can more than double your rates, as it does in California. But fear not, you can lower these rates.

For example, in New York State, there’s an all-encompassing program in place called the “Point and Insurance Reduction Program.” If you’re an insured motorist who completes a certified accident prevention curriculum, you may be eligible to have up to four points taken off your license and save a maximum of 10 percent off your auto insurance rates.

New Jersey is another state with programs in place to help reduce the influence of driving citations on your record. Taking an approved defensive driving class can remove up to two points from your driver’s license if you live in the state.

Having an at-fault accident on your record will also affect your rates. Let’s take a look at a table comparing a clean record and a record with an at-fault accident on it.

Average Annual Auto Insurance Rates Due to an At-Fault Accident
StatesAverage Rates with a Clean RecordAverage Rates with an At-Fault Accident
Illinois$34$52
California$64$101
New York$93$93
Texas$105$157
Florida$126$199

Interestingly enough, New York sees its rates remain stagnant even with an at-fault accident on record.

Let’s take a look at a video explaining the difference between no-fault and at-fault car accidents.

Now, let’s move on to how you can lower your premiums.

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Reckless Driving: Lowering Auto Insurance Premiums

The first step after getting charged with reckless driving is to check with your local DMV and see what classes are available to help improve your record and/or reduce the reckless driving charge.

The next step is to find out how a defensive driving course can help lower your insurance premiums. Charged with reckless driving? Auto insurance premiums can still be lowered.

Do you have a reckless driving charge in Texas? Are you wondering how to get full coverage insurance with a reckless driving ticket? Are you in a situation where you were denied gap insurance coverage because of reckless driving?

Perhaps you got a reckless op (reckless operation) offense in Ohio. Well, it’s important to know that you’re going to be considered a high-risk driver.

Maybe you’re thinking, “I got a citation for careless driving, not reckless driving.” Well, unfortunately, while reckless driving is considered worse, both will result in you being labeled a high-risk driver. This applies to careless vs reckless driving in NJ, Michigan, Montana — anywhere, really.

Remember that some insurance companies only want to cover low-risk drivers, while others will be happy to insure you if you’re a high-risk driver. No matter what sort of company you buy your policy from, however, you need to be prepared to pay higher premiums than you would with a clean record.

Let’s take a look at a table comparing rates for a clean record and records with a DUI and with a minor speeding ticket. You’ll see reckless driving vs. DUI rates in Florida, Texas, Illinois, New York, and California.

Average Annual Auto Insurance Rates Due with a Speeding Ticket and DUI
StatesAverage Rates with a Clean RecordAverage Rates with a Minor Speeding TicketAverage Rates with a DUI
Illinois$34$42$49
California$64$91$164
New York$93$107$153
Texas$105$123$145
Florida$126$159$225

As you can see, while a minor speeding ticket does raise your rates, it’s a DUI that drastically elevates what you pay for insurance.

Don’t let reckless driving charges make your insurance policy unaffordable. Shop around for reckless driving auto insurance today.

Now that you know about reckless driving and auto insurance rates, type your ZIP code into the tool below to find reasonable rates in your area. You’ll even be able to get auto insurance quotes for convicted drivers and cheap car insurance for those with drunk driving convictions.

Frequently Asked Questions: Reckless Driving and Auto Insurance Rates

We hope we’ve covered everything, but just in case, below are some commonly asked questions.

#1 – What is the best insurance company for high-risk drivers?

The General is seen as the best for minimum coverage and State Farm often has the best rates after a DUI.

#2 – A reckless driving conviction goes on what record and how do you get careless driving off your record?

A reckless driving conviction goes on your DMV record and there is no real method of expungement.

#3 – Does auto insurance cover reckless driving and can reckless driving be reduced? 

Your insurer will pay out a claim even if you cause an accident driving recklessly. If your culpability is slight, you may get the judge to allow the charges to be reduced to improper driving.

#4 – How long does reckless driving affect insurance and how long is reckless driving on your record?

Insurers generally analyze the past three to five years and it stays on your record for 11 years.

#5 – How much will reckless driving increase insurance and how does a reckless driving ticket affect insurance?

It depends on the state, but insurance coverage following a reckless driving ticket usually goes up about 70 percent in price.

#6 – How much is a reckless driving ticket in Alabama?

A first offense Alabama reckless driving ticket cost ranges from $25 to $500.

#7 – How long does careless driving stay on your record in Florida?

Even with a careless driving Florida class, you can expect it to stay on your record for three to five years. What pertains to reckless driving and Florida insurance also pertains to careless driving in South Dakota, California, etc.

#8 – Does negligent driving affect insurance and how does careless driving affect insurance?

Yes, absolutely, and your premium quotes on rash driving can rise by about 70 percent.

#9 – How long does a wet reckless affect your insurance and stay on your record?

A wet reckless will stay on your record for 10 years and your insurer will treat it just like a DUI. Thus, wet reckless increases insurance rates drastically. This goes for an incident of wet reckless in Vermont, Washington State, anywhere.

#10 – How much will insurance increase with four points?

Even just two points may increase a driver’s insurance by anywhere from 20 percent to 100 percent, depending on your state of residence.