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Shelter vs. Country Insurance
Which insurance company is right for you? Compare coverage, insights, and quotes from Shelter and Country.
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Shelter vs. Country: What You Need to Know
Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.
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 “The Best Provider of Financial Security in America.” Country Life Insurance Company®, 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 United States 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 Shelter Overview and Country Overview.
Shelter vs. Country: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Shelter and Country. On average, Shelter charges approximately $213.43 per month while Country comes in at around $144.51 per month. For Shelter, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 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 | Shelter | Country |
|---|---|---|
| Arizona | - | $209.30 |
| Georgia | - | $155.29 |
| Illinois | - | $88.59 |
| Nevada | - | $133.13 |
Shelter 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 Shelter and Country typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Shelter | Country |
|---|---|---|
| 1 Vehicle | $211.05 | $121.77 |
| 2 Vehicles | $ | $209.64 |
Shelter vs. Country: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Shelter charges $187.78 per month and Country charges $179.32 per month for customers who own their home.
| Own/Rent | Shelter | Country |
|---|---|---|
| Own | $187.78 | $179.32 |
| Rent | $232.67 | $121.30 |
What is Shelter and Country Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Shelter and Country ranked among the industry ratings.
| Comparison | Shelter | Country |
|---|---|---|
| Year Founded | 1946 | 1925 |
| Market Share | 0.49% | |
| A.M. Best Rating | A | A+ (Superior) |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 0.22 | |
| NAIC Complaint Ratio | 0.36 (2013) |
Shelter or Country: Insurance Products Offered
What coverage is available through Shelter and Country? Both insurance companies offer Auto, Commercial, Condo, Farm, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from Country insurance also includes Health and Pet insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Shelter and Country Insurance page.
| Insurance | Shelter | 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 | ✔ |
Shelter or Country: Ways To Save
Country offers a wide range of discounts to its policyholders, including Anti-theft, College Graduate, and Defensive Driver discounts. In contrast, Shelter also offers a few discounts that Country doesn’t, including Window Identification System – Louisiana Residents, Safe Driver, and Pay in Full discounts. Start taking advantage of discounts offered by insurance providers like Country and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Shelter | Country |
|---|---|
| Accident Prevention Course Discount | Advance Quote Discount |
| Anti-Theft Discount - Kentucky and Illinois Residents | Anti-theft Discount |
| Companion Life Discount | College Graduate Discount |
| Companion Policy Discount | Defensive Driver Discount |
| Driver Training Course Discount | Discounts for Teens |
| Good Student Discount | Engaged Couple Discount |
| Military Discount | Good Driver Discount |
| Multi-car Discount | Good Student |
| Multi-coverage Discount - Nevada Residents | Legacy Discount |
| Passive Restraint Discount | Multi-car Discount |
| Pay in Full Discount | Multi-policy Discount |
| Safe Driver Discount | Occupation Discount |
| Window Identification System Discount – Louisiana Residents |
Pros & Cons of Shelter & Country
Pros
Shelter
- Shelter Insurance offers personalized service through a network of more than 1,400 agents.
- The company has a few customer's complaints, which indicates high satisfaction.
- You can start your claims online or by phone.
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
Shelter
- The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
Country
- It doesn’t reward loyal customers.
Shelter or Country Mobile Apps Options
The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.
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...
| Shelter Mobile App | ||
|---|---|---|
| iOS | 2.3 | 35 user reviews |
| Android | 2.3 | 240 user reviews |
| Country Mobile App | ||
|---|---|---|
| iOS | 4.5 | 40 user reviews |
| Android | 4.1 | 35 user reviews |
Shelter & Country Contact Info
| Shelter Contact Info | |
|---|---|
| Address | 1817 West Broadway - Columbia, MO 65218 |
| Phone | 1-800-743-5837 |
| Website | https://www.shelterinsurance.com/ |
| https://www.facebook.com/ShelterInsurance/ | |
| https://twitter.com/Shelter_ins/ | |
| https://www.linkedin.com/company/shelter-insurance-companies/ | |
| Youtube | https://www.youtube.com/user/ShelterIns |
| https://www.instagram.com/shelter_ins/ | |
| https://www.pinterest.com/shelterins/ | |
| Vimeo | https://vimeo.com/user48805731 |
| 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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