Founders Insurance Review: Is Founders a Good Insurance Company?
- With 1.6/5 stars in 2026, Founders is a below average insurance company.
- Read Founders reviews, complaints and prices before you buy.
Founders insurance: Ratings and reviews
Founders Insurance Company has a long history of writing policies in Illinois and now offers auto coverage in Ohio, Indiana and Wisconsin, as well. If you're looking to bundle with home insurance, however, that is limited to Illinois residents.
The company offers some perks for drivers who may have trouble acquiring auto insurance elsewhere, such as those without a consistent insurance history, who have poor credit or who need SR-22 filing. Keep reading to learn more about what Founders has to offer and if they may be a good option for your next insurer.
Strong financial stability rating
In business for 100+ years
Not available in all states
Higher than average NAIC complaints
Lackluster website; no mobile app
Is Founders a good insurance company?
The majority of The Zebra's review incorporates how well Founders scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Trustpilot Reviews: 3.2/5
- Trustpilot rated Founders as 3.2/5 in overall auto customer satisfaction[1]
BBB Customer Reviews: 1.02/5
- The Better Business Bureau rated Founders as 1.02/5 in overall claims satisfaction[2]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Founders[3]
Financial Strength: Excellent/Good
- Founders received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Founders for it to be included.
How much does Founders insurance cost?
Currently, the national average for a 6 month car insurance policy is $1,084. Unfortunately, Founders' pricing data is not widely available, and this is something else we use to calculate our review.
If you reside in one of the states where Founders personal auto insurance is available, we encourage you to reach out for a specific quote so you can adequately compare companies and policies. Founders could be one of the cheaper auto insurance options available, depending on your individual rating factors, but speaking to an agent is the best option to find out.
Discounts offered
Auto insurance discounts are dependent on qualifications and state availability. Here are some of the advertised discounts available from Founders.
- Multiple vehicle discount:Â Qualify for this popular discount by insurance multiple cars under one policy.
- Transfer discount:Â Get a discount for staying insured with the same company for a specified length of time.
- Homeowner discount:Â Drivers who own their own homes can get this discount.
- Renewal discount:Â Save some money when it comes time to renew your policy.
Founders may have other discounts available, so it's best to check with an agent for specifications to see if you qualify. The company also has several perks that may be appealing to drivers with a unique, or less-than-perfect, driving history, including:
- No credit check
- No prior insurance required
- SR-22 filings
- Prior losses acceptable
- International/foreign licenses accepted
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What types of coverage does Founders offer?
Another important piece of Founders' review is the types of coverage options the company offers. The company's website is slightly lacking when it comes to details about coverages, add-ons and other features that may be available for their auto policies.
When contacted, Founders reported that they do offer roadside assistance to every policy for an additional cost.
If you are the kind of consumer who prefers to handle your insurance business completely online or via a mobile app, you may be disappointed with what is offered. If connecting with a local agent and keeping things simple is important for you, though, Founders might be a great option.
Read more about Founders' auto insurance here.
Founders insurance review: Summary
Founders is a regional insurer focused on providing auto insurance in four states (IL, IN, OH and WI) as well as home and renters coverage for customers residing in Illinois. They offer standard auto coverage options and may be a good option for those without a perfect driving or insurance history.
However, their geographical coverage is limited, and their technology may leave something to be desired for those who prefer more elaborate user tools. We suggest reaching out to a local agent with Founders to glean more detailed information about what they can offer to meet your individual needs.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Founders insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.