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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 $169.42 per month while Country comes in at around $144.51 per month. For Esurance, the cheapest state average is California at $126.50 per month and the most expensive is New York at $330.65 per month. For Country, the cheapest state average is Illinois at $88.59 per month and the most expensive is Arizona at $209.30 per month.
Average Rate
Average Rate
Average Rate
| State | Esurance | Country |
|---|---|---|
| Arizona | $173.31 | $209.30 |
| California | $126.50 | - |
| Georgia | - | $155.29 |
| Illinois | - | $88.59 |
| Michigan | $219.92 | - |
| Nevada | - | $133.13 |
| New Jersey | $199.46 | - |
| New York | $330.65 | - |
| Pennsylvania | $185.04 | - |
| Texas | $182.89 | - |
Esurance vs. Country: Rates by Number of Vehicle
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 | $163.60 | $121.77 |
| 2 Vehicles | $222.04 | $209.64 |
Esurance vs. Country: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $173.30 per month and Country charges $179.32 per month for customers who own their home.
| Own/Rent | Esurance | Country |
|---|---|---|
| Own | $173.30 | $179.32 |
| Rent | $168.88 | $121.30 |
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.
| Comparison | Esurance | Country |
|---|---|---|
| Year Founded | 1999 | 1925 |
| Market Share | 0.49% | |
| BBB Rating | A- | |
| Financial Strength | Above Average | Excellent |
| NAIC Complaint Index | 0.22 | |
| NAIC Complaint Ratio | 1.14 | |
| S&P Rating | AA- |
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.
| Insurance | Esurance | Country |
|---|---|---|
| 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.
| Esurance | Country |
|---|---|
| Anti-lock Brakes Discount | Advance Quote Discount |
| Anti-theft Discount | Anti-theft Discount |
| Claim-free Discount | College Graduate Discount |
| Defensive Driver Discount | Defensive Driver Discount |
| Emergency Road Assistance Discount | Discounts for Teens |
| Fast 5 Discount® | Engaged Couple Discount |
| Good Driver Discount | Good Driver Discount |
| Good Student Discount | Good Student |
| Homeowners Discount | Legacy Discount |
| Multi-car Discount | Multi-car Discount |
| Multi-policy Discount | Multi-policy Discount |
| Online Shopper® Discount | Occupation 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 | 4.8 | 1,194 user reviews |
| Android | 4.7 | 8,655 user reviews |
| Country Mobile App | ||
|---|---|---|
| iOS | 4.5 | 40 user reviews |
| Android | 4.1 | 35 user reviews |
Esurance & Country Contact Info
| Esurance Contact Info | |
|---|---|
| Address | 650 Davis Street, San Francisco, CA 94111 |
| Phone | 1-800--378-7262 |
| Website | https://www.esurance.com/ |
| https://www.facebook.com/Esurance/ | |
| https://twitter.com/esurance | |
| Youtube | https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw |
| https://www.linkedin.com/company/esurance/ | |
| Country Contact Info | |
|---|---|
| Address | 1701 N Towanda Ave, Bloomington, IL 61701-2057 |
| Phone | 1 (866) 268-6879 |
| Website | https://www.countryfinancial.com |
| https://www.facebook.com/countryfinancial/ | |
| Youtube | https://www.youtube.com/user/COUNTRYFinancial |
| https://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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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