Country Financial vs. Esurance Car Insurance [2021]

In a comparison of Country Financial vs. Esurance, Country Financial came out on top. Both Esurance and Country Financial hold the same Financial Strength Rating from A.M. Best. Furthermore, both companies offer the exact same number of discounts. However, a comparison of Country Financial vs. Esurance car insurance rates shows far more affordable rates to its insured than Esurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jul 12, 2021

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Here's What You Need to Know

  • The companies hold an identical A.M. Best rating
  • The companies both offer the same number of discounts
  • Country Financial offers far more affordable rates than Esurance

Part of what makes comparing car insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Country Financial vs. Esurance today.

Our Esurance and Country car insurance review will cover pricing, available discounts, and A.M. Best ratings.

Before we dive into our Country Financial vs. Esurance rates comparison, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes in your area.

Country Financial vs. Esurance: Which company offers more affordable car insurance rates?

The simplest place to start when pitting two companies together is pricing. Let’s look at a table that compares monthly liability-only car insurance rates from companies including Country Financial and Esurance.

Average Monthly Liability-Only Auto Insurance Rates by Company
CompanyLiability-Only Rates
Country Financial$34
GEICO$40
Farmers$77
Esurance$135
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How easy is it to find affordable Country Financial vs. Esurance quotes? As you can see, Country is over $100 cheaper than Esurance per month. In fact, of the four companies shown, Esurance is the most expensive of all.

Now that we know Country offers far more affordable rates than Esurance, let’s see if the companies’ number of offered discounts can re-balance the scale.

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Which company offers more discounts?

Now that we’ve seen what prices you can expect, how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including Country and Esurance.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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Country Financial offers eight of this list’s shown discounts. These include an anti-lock brakes discount as well as discounts for anti-theft devices, daytime running lights, passive restraint, and for owning a newer vehicle.

How many Esurance car insurance discounts are there? Esurance also offers a total of eight discounts from the lists. These include discounts for anti-lock brakes, anti-theft devices, and for owning a green vehicle.

A lot of these companies’ discounts can be accessed via the Country Financial or Esurance app.

To conclude, let’s analyze Country Financial vs. Esurance auto insurance reviews to see if Country can solidify its lead.

Country Financial vs. Esurance: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

Country Financial car insurance received a rating of “A+” (Superior), which is the highest of seven rating tiers. How did Esurance fare in comparison? Esurance actually received the exact same rating.

In review, our Country Financial vs. Esurance comparison has shown us that the companies are tied when it comes to discounts and A.M. Best rating. However, Country offers far more affordable rates than Esurance.

We hope you have learned all you needed to decide between whether to buy Country Financial vs. Esurance car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

Frequently Asked Questions: Country Financial vs. Esurance Car Insurance

What follows are a few commonly asked questions about these two companies.

#1 – Is there Esurance motorcycle insurance?

Yes, Esurance offers motorcycle coverage.

#2 – What is the Country Financial Auto Insurance phone number?

This number is 866-268-6879, a.k.a. 866-COUNTRY.

#3 – Is there Esurance windshield replacement?

Esurance offers coverage for windshield replacement and fractured automobile glass.

#4 – How many Esurance locations are there and what is the address for headquarters?

A brick and mortar store won’t be necessary, as it is all done over the phone or online. The headquarters is in San Francisco, CA. The Esurance address for customer service is P.O. Box 5250 Sioux Falls, SD 57117-5258.

#5 – What is the Esurance claims number?

The claims number is 1-800-378-7267 and it is available 6 am – 12 am CT every day.

#6 – Is Esurance good?

It received a very encouraging rating from A.M. Best.

#7 – How does Esurance work?

It is usage-based, so there is an app that tracks driving behavior and tailors the rates to said behavior, including mileage, time of day, and hard braking.

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