Esurance vs. Country Insurance

Which insurance carrier is right for you? Compare discounts, cost, and quotes from Esurance and Country.

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Esurance vs. Country: What You Need to Know

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

Country Financial is a group of US insurance and financial services companies available in 19 states in the U.S. Their history began in 1925, when a group of Agricultural Association members from Illinois formed a company, Country Mutual Insurance, selling fire and lightning insurance. In the following four years, new products were included in their portfolios, such as crop hail and farm insurance, auto, and life insurance. By 1953, Country Preferred Insurance Company was incorporated and in 1965 another company, Country Capital Management, was formed as a registered broker-dealer, allowing them to offer securities products, mutual funds, variable annuities, variable life insurance, and 529 College Savings Plans. In 1997, based on their principle of putting people first, the client service center became available 24 hours a day. The company adopted the name Country Financial in 2008, to better describe their vision of being “TheBest Provider of Financial Security in America.” Country Life InsuranceCompany®, Country Mutual Insurance Company®, and its respective subsidiaries are located in Bloomington, IL. Today, Country Financial serves about one million households and businesses throughout the UnitedStates and offers a range of insurance and financial products, including auto, home, life, health, commercial, farm & ranch, and crop insurance, and retirement planning, education funding, annuities, and planning services.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Esurance Overview and Country Overview.

Esurance vs. Country: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Esurance and Country. On average, Esurance charges approximately $248.47 per month while Country comes in at around $152.45 per month. For Esurance, the cheapest state average is Utah at $126.17 per month and the most expensive is New York at $505.13 per month. For Country, the cheapest state average is Illinois at $106.39 per month and the most expensive is Minnesota at $202.96 per month.

Esurance

Average Rate

$248.47
Country

Average Rate

$152.45
National

Average Rate

$119.70
State Esurance Country
Alabama- $115.15
Arizona $161.54 $157.17
California $141.98 -
Colorado $173.75 -
Georgia- $170.71
Illinois $140.48 $106.39
Maryland $356.19 -
Michigan $270.49 -
Minnesota- $202.96
Nevada- $185.08
New Jersey $238.78 -
New York $505.13 -
Oregon- $106.52
Pennsylvania $204.46 -
Texas $195.99 -
Utah $126.17 -

Esurance vs. Country: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Esurance and Country typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Esurance Country
1 Vehicle $241.73 $141.47
2 Vehicles $274.10 $193.03
4 Vehicles $404.75 $
3 Vehicles $450.65 $257.56

Esurance vs. Country: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $215.86 per month and Country charges $142.35 per month for customers who own their home.

Own/Rent Esurance Country
Own $215.86 $142.35
Rent $261.72 $157.26

What is Esurance and Country Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Esurance and Country ranked among the industry ratings.

ComparisonEsuranceCountry
Year Founded19991925
Market Share0.49%
A.M. Best RatingA+A+ (Superior)
BBB RatingA-
Financial StrengthAbove AverageExcellent
NAIC Complaint Index0.22
NAIC Complaint Ratio1.14
S&P RatingAA-

Esurance or Country: Insurance Products Offered

What coverage is available through Esurance and Country? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Life, Motorcycle, Pet, Renters, and RV insurance. Additional products from Esurance insurance also include Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Esurance and Country Insurance page.

InsuranceEsuranceCountry
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Esurance or Country: Ways To Save

Country offers a wide range of discounts to its policyholders, including Anti-theft, College Graduate, and Defensive Driver discounts. Whereas, Esurance also offers a few discounts that Country doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Country and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EsuranceCountry
Anti-lock Brakes DiscountAdvance Quote Discount
Anti-theft DiscountAnti-theft Discount
Claim-free DiscountCollege Graduate Discount
Defensive Driver DiscountDefensive Driver Discount
Emergency Road Assistance DiscountDiscounts for Teens
Fast 5 Discount®Engaged Couple Discount
Good Driver DiscountGood Driver Discount
Good Student DiscountGood Student
Homeowners DiscountLegacy Discount
Multi-car DiscountMulti-car Discount
Multi-policy DiscountMulti-policy Discount
Online Shopper® DiscountOccupation Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Esurance & Country

Pros

Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.
Country
  • Variety of coverage options.
  • Flexible billing options.
  • Unique discounts, like being engaged, having certain occupations (full-time K–12 teachers, firefighters, police officers, EMTs or paramedics) and also for teen drives.

Cons

Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico
Country
  • It doesn’t reward loyal customers.

Esurance or Country Mobile Apps Options

The Esurance mobile app is available for iOS and Android.

The Country Financial Mobile app is available for android and iPhones and iPads. The app provides a dashboard where you can manage your bill, view the status of your claims, update the contact info, manage your notifications, obtain your policy documents and view your insurance card...

Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews
Country Mobile App
iOS     4.540 user reviews
Android     4.135 user reviews

Esurance & Country Contact Info

Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/
Country Contact Info
Address1701 N Towanda Ave, Bloomington, IL 61701-2057
Phone1 (866) 268-6879
Websitehttps://www.countryfinancial.com
Facebookhttps://www.facebook.com/countryfinancial/
Youtubehttps://www.youtube.com/user/COUNTRYFinancial
Linkedinhttps://www.linkedin.com/company/country-financial-/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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