COUNTRY Financial® DriverIQ FAQs

We've gathered answers to your most popular questions below.

COUNTRY Financial DriverIQ is a program using smartphone app technology to give you feedback on your driving. It will help you become a safer driver and save up to 25% on your car insurance when you participate.  

We want you to be safe behind the wheel. According to a 2018 study by Cambridge Mobile Telematics, within a month of using the app:

  • Drivers are 35% less distracted. 
  • Drivers have a 20% reduction in speeding and hard braking. 
  • There are 47% fewer claims.
  • Claims are 48% less-severe.

When you sign up to participate in the program, you get a 10% introductory discount on your car insurance. Based on your driving score, your discount will shift from 1-25% at each renewal. Safety and savings – that’s a win-win!

You will receive a 10% introductory discount the first time you enroll in COUNTRY Financial DriverIQ. Once you enable COUNTRY Financial DriverIQ, your driving behavior will either increase or decrease that discount from 1-25%. 

If you enroll in the program, and then become ineligible, you will lose your discount. You’ll become ineligible if either of the following criteria is met:

  • The COUNTRY Financial DriverIQ app setup/registration is not completed and driving data is not received by COUNTRY within 30 days of enrollment.
  • No driving data is received from the COUNTRY Financial DriverIQ registered phone in a 30-day period.

You will have the opportunity to reenroll in the program at your policy renewal and receive a 5% discount.

COUNTRY Financial auto clients are eligible to participate based on program availability in your state. Contact your local rep to see if you qualify.

Participating drivers must:     

  • Have an active auto policy with COUNTRY Financial.
  • Own and operate a smartphone that can download the COUNTRY Financial DriverIQ app.
  • Provide a valid email address and mobile phone number of the smartphone the app will be installed on.
  • Download the app and complete setup and registration.
  • Keep the smartphone on while driving with the app enabled in the background.
  •  

You need a smartphone compatible with the COUNTRY Financial DriverIQ app to enroll in the program. Here are the minimum requirements for the app to work properly:

  • iOS
  • All iPhones with iOS 10.0 or higher 
  • Android
  • Android OS 4.4 (KitKat) or higher
  • Phone must be equipped with a gyroscope

To check your phone compatibility prior to enrolling into COUNTRY Financial DriverIQ, you can search the Apple App Store or Google Play Store for “COUNTRY Financial DriverIQ”. Ineligible phones will receive the message “Your device isn’t compatible with this version.”

No. It is free to participate in the COUNTRY Financial DriverIQ program.

Talk to your local COUNTRY Financial rep to get started.

Once you are enrolled in the program, you will receive a text with a link to download the app. If you lose the welcome text before you download the app, no worries! You can also search “COUNTRY Financial DriverIQ” in the Apple App Store or Google Play Store.

  • Download and install the app on your smartphone.
  • Login with your mobile phone number.
  • Enter the pin you received via text message.
  • Accept the Terms & Conditions.
  • Enter your email address.
  • Read instructions and allow driving location permission while using the app.  
  • Read instructions and select to always allow location data permission.
  • Read instructions and allow motion activity permission.
  • Read instructions and allow notification permission.
  • Drive safely!

The app gathers data using your mobile device to measure driving quality based on:  

  • Hard acceleration
  • Hard braking
  • Hard cornering
  • Speeding      
  • Phone usage while driving

You can view your overall driving score and individual trip scores on the app dashboard. Our unique Family Sharing feature allows you to view scores and trips of drivers in your household. You also can earn achievement badges, compete on a leaderboard, and receive tips to improve your driving.

When you participate in COUNTRY Financial DriverIQ, you will receive an introductory 10% discount on your auto insurance. Your driving behavior determines your discount long-term. Based on your driving behavior, your discount can increase up to 25% or decrease as low as 1% at each renewal. Driving scores will not be used to cancel or non-renew a policy.  

The score is an average of your trip scores. Individual trips are scored on a variety of driving measures, including acceleration, speeding, hard braking, phone interaction while driving, and hard cornering or turning. Although these factors are not weighted equally, each contributes to your final score. 

Within the app, look at the “Driving Tips” section and your individual trip feedback. As a rule, smooth driving within the speed limit and without using your phone will earn the highest scores.

When you look at the COUNTRY Financial DriverIQ dashboard within the app, you can see a snapshot of your current driving score and the discount currently applied for this policy term. We update the “On Track to Save” discount display monthly in the app to keep you informed on how your safe driving efforts will impact your discount at renewal. 

There is no impact to your score for incoming calls or texts. Your score will be impacted if you use your phone to answer a call or respond to a text when driving. 

The fact your phone is on and active does not impact your score. For the app to record a phone distraction event, you need to be actively handling your unlocked phone while the car is moving, and your home screen needs to be on.

Phone distractions are recorded when you actively handle your unlocked phone while the car is moving, and your home screen is on. The app monitors your phone distraction events and they are factored into your behavioral score. Your behavioral score will appear on your app dashboard.

Screen tapping is not included in your behavioral score displayed in the app, but it is still an action your app tracks because it contributes to distracted driving. The app tracks any time you tap your screen while your car is moving, and it may have a negative impact on your COUNTRY Financial discount. Your app will not record a screen tap if your car is stopped. 

Yes, you can. 

No. 

No

The app calculates your score based on the last two weeks of your drives, so you may see your overall score, scored distance, and number of scored trips change after each two-week period.

COUNTRY Financial is committed to protecting your privacy. We will not collect sensitive personal information as part of this program, nor will we share your information with non-affiliated third parties. The data we do collect will be subject to the COUNTRY Financial Privacy Policy. More information is available in the Terms and Conditions contained within the app.

Real-time location data can only be reviewed by you in the "Trips" screen within the app.  COUNTRY does not have access to your real-time location data. However, the app will gather location data to monitor adherence to local speed limits. Location data also allows the app to show you a map of each trip so you can confirm the accuracy of the feedback you receive.  

Your phone’s location services are used when your app is not in use to detect when a trip begins. The app detects movement and a change in location, which then triggers the app to begin recording your driving data. 

Your discount will be removed if you become inactive or uninstall the application from your smartphone. You’ll become an inactive driver if either of the following criteria is met:

  • The COUNTRY Financial DriverIQ app setup/registration is not completed.
  • No driving data is received from the COUNTRY Financial DriverIQ registered phone in a 30-day period.

In these situations, you will be removed from the program and lose the associated discount. You will have the opportunity to reenroll in the program at your policy renewal and receive a 5% discount.

Discounts will be forfeited for the following reasons:

  • Cancellation, lapse, or non-renewal of your COUNTRY auto insurance policy for any reason.
  • COUNTRY Financial discontinues the program for any reason.

We encourage all rated drivers in the household to participate to maximize your safety and savings. However, enrolled drivers can still receive a discount even if not all drivers are enrolled. 

A rated driver is a driver listed on the auto insurance policy, and whose driving record is factored in when we determine the rate for your policy.

Examples: 

  1. Brad and Erica have two cars, and they are both listed as a rated driver on their auto policy. Brad and Erica can both enroll in COUNTRY Financial DriverIQ and get a 10% introductory discount on each rated vehicle. Brad and Erica would both need to download and setup the app and use it to record trips to maintain their discounts and have potential to save up to 25% per vehicle at renewal.
  2. Josh and Ashley have two cars, and they are both listed as a rated driver on their auto policy. Josh wants to participate, but Ashley does not. Josh will receive a 10% introductory discount on the vehicle he is rated on. He will need to download and setup the app and use it to record trips to maintain the discount and have potential to save up to 25% on the vehicle he drives at renewal. Ashley will not receive the introductory discount, but she can talk to her local financial rep if she wishes to participate later.   

You can get a discount for each vehicle in the household if the rated operator is enrolled in COUNTRY Financial DriverIQ.

Examples:

  1. Michael and Jessica have two cars, and they are both listed as a rated driver on their auto policy. Their son, Sam, doesn’t have a car, but he drives his parents’ cars occasionally. All three drivers can enroll in the program to monitor their driving behavior, but they can only receive one 10% introductory discount per vehicle. Their future discount per vehicle will be based on the driving behavior of Michael and Jessica since they are the primary rated drivers of their respective cars.
  2. Jeff and Michelle have three cars on their auto policy.  Jeff is rated as the primary driver on one car and Michelle is the primary driver on the other car. If Jeff and Michelle both enroll in the program, they are eligible for a 10% introductory discount on the two vehicles they are rated as primary drivers of.  
  3. Beth has one car on her auto policy, and she is the rated driver. Her daughter, Lindsey, drives Beth’s car on occasion. Beth is not interested in enrolling in COUNTRY Financial DriverIQ herself, but she does want Lindsey to enroll so she can monitor her teen’s driving behavior. Lindsey can participate, but Beth will not receive a 10% introductory discount on the vehicle, since she is the rated driver and has chosen not to participate.

No, the app works in the background and will automatically start collecting your data any time driving is detected. However, you need to ensure your phone’s location services are always enabled so the app can record your trips.

The app displays your driving data in the Trips section. You can see each trip you’ve taken, risk events that impact your score, and details on where you can improve your driving behavior.

Yes. As with any smartphone app, it uses your battery to operate. The effect is minimal but will vary based on your smartphone model and age. 

The app uploads about 500-600KB of data per hour of driving (equivalent to approximately one low-resolution photo). If you were to drive one hour per day for a month, it would equate to 18MB of data, which is a small fraction of a typical U.S. data plan.

Yes. If you ever need to change phones or reinstall the app, you can login under the Existing Users option. A PIN will be sent to the email address you provided during initial registration for you to activate the app on your new phone.

The app will learn your driving behaviors over time based on your common routes and understand whether you fall under the “Driver” or “Passenger” trip classifications. You can review and update your trip classifications, like “Driver” or “Passenger” or other modes of transportation, such as “Bus”, to help the app assess your routines. You can update these classifications as part of confirming your trips for up to five days.

The app will not run if the phone is powered off.

Report feedback in the app under Settings > Feedback. You can also email us, and we'll respond as quickly as possible.  

If something is not working correctly or you have questions, call 866-COUNTRY and we’ll be happy to assist you.

COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.