Founders - Car Insurance

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4.8 Rating

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Last Updated: January 2022
Click here for our full review of Founders car insurance quotes, discounts, and coverages.



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Not Rated
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Founders Ratings
BrandRatingsUser reviews
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA-


The largest discounts from Founders are: Multiple Policy, Multiple Vehicle, Provider Switch

Carrier Discounts
Discount %
Discount Group
Discount TypeDiscount %
Multiple PolicyVaries
Multiple VehicleVaries
Provider SwitchVaries
Home OwnerVaries
Claims Free RenewalVaries

Payment methods

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    Automatic Online Payment
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    Credit Card Payment
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    Debit Card Payments
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    Electronic Check
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    Mail Payment
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    Online Payment
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    Cash Payment

Features and Services

Founders Insurance customers have the ability to manage their accounts online. Unlike many competitor insurance carriers, Founders offers 24/7 service and will take phone calls at any time of day or night.

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    24/7 service
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    Low prices for high risk drivers
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    Online account management

Optional Coverage

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    Accidental Death, Dismemberment, Disability
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    Legal Defense Costs Coverage

SR‌-22 Insurance by State

Founders Insurance Products

Car Insurance

FAQs - Founders Car Insurance

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Compare Founders to GEICO

Founders vs GEICO

Company History

Founded in 1901 (then known as Mutual Fire Insurance Company), Founders Insurance Company has been providing coverage for over 100 years. Founders Insurance is currently headquartered in Des Plaines, Illinois, which is in the greater Chicago area.

Founders Insurance specializes in non-standard auto insurance for customers living in Illinois, Indiana, Ohio, and Wisconsin.

Founders Insurance is also unique in that it offers coverage for liquor liability and special events in eighteen states in the United States. According to its official website, Founders covers risk for the following venues in the liquor liability market: 

  • Bars/taverns/nightclubs
  • Adult entertainment clubs
  • Restaurants/banquet halls
  • Private, fraternal, and social clubs
  • Liquor, convenience, and grocery stores
  • Golf courses/country clubs
  • Hotels/Motels
  • Bowling alleys
  • Distributors
  • Caterers
  • Pool halls
  • Sports venues

Founders also provides home insurance in certain states. 

Learn more at

Founders Reviews

5 Stars
8 %
3 Stars
2 %
1 Star
90 %

Most Helpful Review

By Jimmy C
Terrible customer service. Filed a claim against their insured, who was 100% at fault in a car vs. motorcycle accident. No follow up, the adjuster showed up at the garage to get an estimate then refused to answer calls to authorize the work. I had to lay out the cost and file with my insurance company to get it fixed before the summer riding season was over. This company should not be allowed to conduct business with the blatant policy of ignoring people until they go away.

Most Critical Review

By Jeremy
To high

All Reviews

Showing 1 - 10 out of 48 Reviews
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Bonnie Richardson
My daughter was in a car accident and we tried to call calling the insurance company they gave us an adjuster who was very rude and not courteous at all call back so I called back because they told me they could not give me another adjuster and I asked for a supervisors number I called repeatedly no answer I called back for another supervisor that was different than again I called no answer they haven't yet to return my phone call this is the worst insurance company I have ever seen and I've been around for 60 years
Jimmy C
Terrible customer service. Filed a claim against their insured, who was 100% at fault in a car vs. motorcycle accident. No follow up, the adjuster showed up at the garage to get an estimate then refused to answer calls to authorize the work. I had to lay out the cost and file with my insurance company to get it fixed before the summer riding season was over. This company should not be allowed to conduct business with the blatant policy of ignoring people until they go away.
John Trimmer
They cheat people out of claims. Beware of using them. The person that has their insurance hit our car and they are doing everything they can do not to pay they claim. So sad !
Lawanna R
Horrible Company!! I didn’t want to give this company a tip of a STAR!!
Ulises R
Poor company to deal with, never completed an accident investigation and did not fulfill the duties of coverage, very poor insurance and claim department. Do not recommended!!!!!!!!!!!
Jefferson F
Completely inefficient and rude. Lazy workers continually lie and and do not respond to calls. Would never recommend this company to anyone. They need to be shut done immediately.
This is the worst insurance company I've ever had the displeasure of dealing with. I slid on black ice and hit the curb, they processed the claim as an at fault accident. The adjuster is no longer with the company and the new adjuster Janelle stated to me that regardless of the weather its my responsibility to keep my car on the road. Processed the claim as two separate claims and now I cant get any insurance anywhere
Gregorio R
Quite possible the worst insurance company in existence. Had an accident well over a month ago with the other driver being at fault. The driver at fault is insured through founders. They repeatedly ignored emails and phone calls, or would deliberately withhold information which prolonged the process of getting my vehicle fixed (vehicle is still not fixed, 5 weeks later) As a cab driver my employers will not allow me to work with a damaged vehicle so I have been unable to work since the accident. When they finally moved forward with requesting an estimate for damage repair they outright said they were not going to pay because the body shop was charging more than they believed the damage was worth. Now they are outright refusing to pay for wages lost for not being able to work due to the vehicle not meeting my employers standards thanks to their clients lack of attention behind the wheel, Their reason being that I should have had my insurance pay for the damages caused by their client. Will definitely be fighting this because my vehicle is not only property but also my livelihood, I came close to eviction due to their childish behavior.
Doris B
Since so many have complained about them, I thought I would write a nice review for a change. We had a car crash behind our property, and one car went into our fence. I contacted their insurance company, Founders, and was told to get an estimate, take pictures of the damage, and e-mail them. They said an adjuster would contact me. With in a week, they contacted me and asked where to sent the check. A week later in came in the mail. I was very pleased with the speed at which they settled my claim. Maybe if I had car damage instead of property damage, it would have been different. But I am very happy. (I cashed check immediately a month ago, and no problems.) Doris **
Magdalena p
Worse insurance EVER.. Had an accident not of our fault and other vehicle had no coverage so we went with our insurance. Been close 2 weeks no reply from them or help.. Oit of car since.. Wth DO NOT GO WITH THEM to safe at long end its more money. 1 start cuz I had to in order to send this warming
Showing 1 - 10 out of 48 reviews

Founders Car Insurance Information

Insurify Composite Score0
Number of discounts5
Number of reviews48
User Rating1.4
A.M. BestA-


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.