Say Auto Insurance Review (2024)
Say Auto Insurance sets itself apart from other companies by offering transparent pricing. However, the company no longer sells new policies, though it plans to service existing ones.
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Feb 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Say Insurance
Average monthly rate for good drivers:
N/AA.M. Best rating:
AComplaint level:
LowPros
- Allows policyholders to view their insurance score, a number the company uses to evaluate auto insurance rates
- Each policy offers roadside assistance
- Customers receive a loyalty discount at each policy renewal
Cons
- Doesn’t sell new insurance policies
- Only in Colorado, Illinois, Indiana, Kansas, Montana, and Tennessee
- Few discount options
- Lack of additional coverage
- Doesn’t file SR-22 forms
Final Verdict: Review of Say Insurance
Say Insurance, founded in 2016, is new to the insurance world and offers policyholders various coverage and discount opportunities. It stands apart from competitors by allowing customers to see valuable information about their auto insurance score, which companies use to assess your risk level to insure.
Owned and backed by Shelter Insurance, Say Auto Insurance offers the standard policy options most companies sell but lacks add-on coverage. However, the company recently stopped selling insurance products, though it will continue to service existing policies.
With transparent pricing, the company could be a good fit for first-time insured drivers, so keep reading this Say Insurance review.
What You Should Know About Say Insurance
Most customer reviews of Say Insurance are positive, but there’s limited feedback from policyholders since the company is new.
The National Association of Insurance Commissioners hasn’t received an official complaint for the company. However, its parent company Shelter Insurance has a positive complaint index of 0.23 from the organization. This score suggests Shelter only receives 23% as many complaints as expected for a company of its size and that customers are satisfied with the company.
Regarding financial stability, A.M. Best gave the company an A, indicating it can pay out its claims to policyholders.
While the Better Business Bureau doesn’t accredit Say, its site shows 4.72 out of 5 stars for customer reviews.
Say Insurance Coverage Options
You can’t purchase new coverage with Say Auto Insurance, but existing policyholders enjoy the standard coverages necessary to drive legally. However, the company lacks additional coverage options. For example, some drivers require add-on coverages for full protection, like GAP insurance, which Say Insurance doesn’t sell.
Also, since the company doesn’t offer other insurance types, you can’t bundle a Say Insurance auto policy with home insurance, for example.
Below is a list of the standard coverages available with Say Insurance:
- Bodily injury liability. Bodily injury liability insurance covers medical bills, lost wages, and funeral costs for other drivers and passengers involved in a car accident you caused.
- Property damage liability. Property damage liability covers vehicle and property damages you caused in an at-fault accident.
- Collision. Collision auto insurance coverage pays to repair or replace your vehicle after an accident, regardless of fault.
- Comprehensive. Comprehensive auto coverage covers vehicle damages not caused by a collision, like vandalism, theft, weather, and fire.
- Uninsured/underinsured motorist. Uninsured/underinsured motorist auto insurance coverage pays for damages caused by a driver with inadequate or no insurance or if you’re involved in a hit-and-run.
- Medical payments. Medical payment coverage pays for medical bills following a covered accident.
Say’s collision and comprehensive coverages come with new car replacement coverage, meaning policyholders who get in an accident within a year of buying a car could get a check for the value of a new car of the same make and model.
Though the company’s add-on coverage options are limited, Say offers two coverages that are common in the car insurance industry:
- Roadside assistance. Roadside assistance plans cover up to $100 worth of services, including dead batteries, flat tires, lockout services, and towing. Unlike other companies, Say Insurance’s roadside assistance comes with every auto policy.
- Rental reimbursement. Rental car reimbursement pays for a rental vehicle while your car gets repaired following a claim. However, it only pays for repairs resulting from an accident covered under your collision and comprehensive coverages.
Say’s car insurance rates vary based on personal factors and coverage selection. Most states require liability coverage, but not all drivers need full coverage. See the table below to compare full coverage versus minimum coverage rates from the top auto insurance companies.
| Insurance Company | Average Minimum Coverage Rates | Average Full Coverage Rates |
|---|---|---|
| Allstate | $87 | $160 |
| American Family | $66 | $116 |
| Farmers | $76 | $138 |
| Geico | $50 | $80 |
| Liberty Mutual | $90 | $173 |
| Nationwide | $61 | $115 |
| Progressive | $69 | $105 |
| State Farm | $40 | $86 |
| Travelers | $53 | $99 |
| Average | $69 | $119 |
As you can see, you’ll pay more for full coverage than minimum coverage, but you have more protection. However, some drivers could decline full coverage if their car is old or its value is lower than their deductible.
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Say Insurance Rates Breakdown
While you won’t know how much you’ll pay for coverage before getting a Say Insurance quote, it’s important to compare Say’s average rates to the national average and its competitors.
| States | Monthly Rates |
|---|---|
| Alabama | $70 |
| Alaska | $88 |
| Arizona | $75 |
| Arkansas | $79 |
| California | $78 |
| Colorado | $94 |
| Connecticut | $82 |
| Countrywide | $101 |
| Delaware | $110 |
| District of Columbia | $101 |
| Florida | $83 |
| Georgia | $72 |
| Hawaii | $56 |
| Idaho | $71 |
| Illinois | $61 |
| Indiana | $57 |
| Iowa | $71 |
| Kansas | $76 |
| Kentucky | $114 |
| Louisiana | $57 |
| Maine | $91 |
| Maryland | $92 |
| Massachusetts | $57 |
| Michigan | $105 |
| Minnesota | $71 |
| Mississippi | $80 |
| Missouri | $70 |
| Montana | $72 |
| Nebraska | $67 |
| Nevada | $90 |
| New Hampshire | $66 |
| New Jersey | $115 |
| New Mexico | $77 |
| New York | $111 |
| North Carolina | $64 |
| North Dakota | $64 |
| Ohio | $64 |
| Oklahoma | $82 |
| Oregon | $75 |
| Pennsylvania | $79 |
| Rhode Island | $105 |
| South Carolina | $78 |
| South Dakota | $62 |
| Tennessee | $71 |
| Texas | $89 |
| Utah | $71 |
| Vermont | $62 |
| Virginia | $70 |
| Washington | $79 |
| West Virginia | $86 |
| Wisconsin | $60 |
| Wyoming | $70 |
Various other factors affect auto insurance rates besides company choice, so you should also compare average rates based on various personal characteristics.
Say Insurance Rates for Poor Credit
Auto insurance and your credit score are connected. Many insurance companies consider credit scores when setting rates. Not every state allows the practice, but most do. Check out the table below to see the average auto insurance rates by credit score.
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
As shown, drivers with poor credit can expect to pay more monthly for coverage with poor credit.
Say Insurance Rates With an At-Fault Accident
Expect to pay more for insurance coverage if you have an at-fault accident on your record. Look at the table below to learn what you might pay for car insurance with an at-fault accident.
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
If you have an at-fault accident on your record, expect to pay more for Say car insurance.
Say Insurance Rates With a DUI
A DUI is a serious offense to an insurance company, so expect much higher rates. The table below compares the rates of auto insurance for drivers with a DUI to the rates you would pay with a clean record.
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
Drivers with a DUI on their record should expect to pay more for Say auto insurance coverage.
Say Insurance’s Transparent Rates for Standard Coverage
One of the ways Say Insurance stands apart from competitors is its transparent rate calculations. Insurance companies rarely offer policyholders details about how they calculate rates, but Say Insurance lets drivers see their insurance scores for free.
Customers who opt to receive their insurance score can better understand it and the steps to improve them. As your score increases, your rates decrease. Say Car Insurance policies renew every six months, allowing policyholders to lower their rates at the beginning of each term potentially.
Additionally, Say Insurance considers customer loyalty when setting rates to help policyholders save on coverage.
Say Insurance Discounts Available
Say offers various auto insurance discounts commonly offered at many insurance companies. For drivers looking to save on coverage, the company’s savings consider the driver, vehicle, and policy.
| Say Auto Insurance Discounts | How to Get Discount | Offered in Every Say Insurance State? | Percentage Saved |
|---|---|---|---|
| Anti-Theft Device Discount | Includes car alarms, GPS trackers, and ignition disable devices; Applies to your comprehensive insurance | No (only offered in Illinois) | Up to 15% |
| Advance Purchase Discount | Buy Say Insurance at least seven days before you need your policy to start | Yes | Up to 10% |
| Continuous Insurance Discount | Need to have had insurance up to signing up with Say Insurance (meaning you don't have a gap in coverage) | Yes | Up to 10% |
| Defensive Driving Course Discount | Must take defensive driving course approved by Secretary of state; Applies to liability, Medpay, and collision coverages | No (not offered in Missouri) | Up to 10% off of each coverage |
| Paperless Discount | Must have documents emailed instead of mailed | Yes | Up to 10% |
| Pay in Full Discount | Pay policy in full | Yes | Up to 10% |
As previously mentioned, Say Insurance doesn’t offer many other policies besides auto, so you can’t receive a discount for bundling coverage with a home policy, for instance. However, the company still offers many ways for customers to save on their auto policy.
How Say Insurance Ranks Among Providers
Though Say offers financial stability, good customer service, and decent rates, comparing quotes with your Say Insurance quote and looking at average company rates is important.
| Insurance Company | 18-Year-Old Male | 18-Year-Old Female | 30-Year-Old Male | 30-Year-Old Female | 45-Year-Old Male | 45-Year-Old Female | 55-Year-Old Male | 55-Year-Old Female | 65-Year-Old Male | 65-Year-Old Female |
|---|---|---|---|---|---|---|---|---|---|---|
| AAA | $378 | $328 | $103 | $99 | $86 | $88 | $81 | $83 | $84 | $86 |
| Allstate | $203 | $180 | $79 | $74 | $59 | $59 | $56 | $56 | $57 | $58 |
| American Family | $414 | $305 | $137 | $116 | $117 | $115 | $111 | $109 | $114 | $113 |
| Farmers | $629 | $597 | $167 | $160 | $139 | $139 | $131 | $132 | $136 | $136 |
| Geico | $254 | $220 | $87 | $90 | $80 | $80 | $76 | $76 | $78 | $78 |
| Hartford | $469 | $407 | $133 | $126 | $113 | $115 | $107 | $109 | $109 | $112 |
| Liberty Mutual | $626 | $626 | $200 | $174 | $174 | $171 | $165 | $162 | $170 | $96 |
| Nationwide | $387 | $303 | $136 | $124 | $115 | $113 | $109 | $107 | $114 | $113 |
| Progressive | $662 | $591 | $136 | $131 | $105 | $112 | $100 | $106 | $103 | $109 |
| State Farm | $284 | $229 | $103 | $94 | $86 | $86 | $82 | $82 | $84 | $84 |
| Travelers | $740 | $530 | $108 | $99 | $99 | $98 | $94 | $93 | $97 | $96 |
| U.S. Average | $501 | $416 | $139 | $128 | $119 | $119 | $113 | $113 | $117 | $117 |
As you can see, rates vary by company, so it’s important to shop around and compare quotes.
Frequently Asked Questions
How do I get a Say Insurance quote?
Since the company no longer sells existing policies, you can’t get a quote with Say Insurance. However, Say Insurance plans to service existing policies.
How does Say Auto Insurance set rates?
Say Auto Insurance sets car insurance rates by considering numerous factors like personal characteristics, household information, and coverage choices.
What U.S. states offer Say Insurance?
Say Insurance services existing policies in Colorado, Illinois, Indiana, Kansas, Montana, and Tennessee.
What is Say Auto Insurance?
Say Auto Insurance is an insurance company that specializes in providing auto insurance coverage to drivers. They offer digital-first insurance solutions with a focus on simplifying the insurance process and providing personalized coverage options.
Is Say Auto Insurance a reputable company?
Say Auto Insurance is a relatively new company in the insurance industry. While they may not have an extensive track record, they aim to provide innovative and customer-centric insurance solutions. It’s recommended to research and read customer reviews to gather more information about their reputation and customer experiences.
What types of coverage does Say Auto Insurance offer?
Say Auto Insurance offers a range of coverage options to protect you and your vehicle. They provide standard auto insurance coverages such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. Additionally, they may offer optional coverage add-ons and benefits that you can customize to fit your needs.
How can I get a quote from Say Auto Insurance?
To obtain a quote from Say Auto Insurance, you can visit their official website or download their mobile app. They have a user-friendly quote process where you can provide the necessary information about your vehicle, driving history, and coverage preferences to receive a personalized quote.
Does Say Auto Insurance offer any discounts?
Say Auto Insurance may offer discounts to help policyholders save on their premiums. These discounts can vary but commonly include safe driver discounts, multi-car discounts, and discounts for bundling multiple policies. When obtaining a quote, be sure to inquire about available discounts that you may qualify for.
How can I file a claim with Say Auto Insurance?
If you need to file a claim with Say Auto Insurance, you can do so through their mobile app or by contacting their claims department directly. They provide a streamlined claims process, allowing you to report the incident, submit necessary documentation, and track the progress of your claim.
How is Say Auto Insurance customer service?
Say Auto Insurance aims to provide excellent customer service to policyholders. They offer digital support channels, including live chat and email, to address inquiries and concerns. While their customer service may not be available 24/7, they strive to respond promptly and assist customers effectively.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Hajalie24
Would not recommend
Brepanda25
Would never recommend
VZ
how say Ins get rid of clients
K1
Go elsewhere!!!
Whatever2
What happened to my decent rate
Gortega
Horrible service
Coloradoguy
Claims department unsatisfactory!!!
Lmurdock
Review