Shelter Auto Insurance Review (2024)
Shelter Insurance sells various car insurance coverages and has strong industry ratings, but its rates are more expensive than some competitors.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Feb 16, 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 16, 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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Shelter Insurance
Average monthly rate for good drivers:
$183A.M. Best rating:
A (Excellent)Complaint level:
LowPros
- Few customer complaints
- Several discount options
- A website allowing policyholders to file claims and make online payments
- An A (excellent) financial strength rating with A.M. Best
- Different coverage options to customize car insurance policies
Cons
- Limited availability
- Limited discounts depending on where you live
- Insurance rates higher than the national average
- An underwhelming mobile app
Final Verdict: Review of Shelter Insurance
If you’re searching for the best car insurance company in your area, you may want to consider Shelter Insurance. Shelter offers car insurance coverage options that people can adapt to meet their needs. The company also provides discounts to its policyholders to help them save on coverage.
Unfortunately, Shelter Insurance is only available in 15 states in the U.S. Before choosing Shelter as your car insurance provider, shop online and compare quotes from other companies with Shelter Insurance auto quotes to see who can offer you the best price.
- Shelter offers various car insurance coverage options to its policyholders
- The company helps people save money on coverage with discounts
- Shelter Insurance is only available in 15 states
What You Should Know About Shelter Mutual Insurance Company
Shelter Insurance’s A.M. Best rating is A (excellent) in terms of financial strength. The company also boasts an A+ rating with the Better Business Bureau (BBB), though the BBB website lists several complaints from Shelter customers.
Still, Shelter Insurance customer reviews show it has few complaints relative to the company’s size. Based on information from the National Association of Insurance Commissioners, Shelter Insurance reviews are encouraging to anyone considering the company as an insurance provider.
Shelter Mutual Insurance Company Insurance Coverage Options
When it comes to car insurance, it’s nice to have options. With Shelter, you can choose various coverage options to find the best policy.
Shelter’s auto insurance coverages include:
- Bodily injury liability. Pays for injuries you cause to another person or people
- Property damage liability. Pays for damage you cause to another vehicle
- Roadside assistance. Covers flat tire repair, lock-out services, fuel delivery services, and more
- New car replacement. Pays to replace your car with the same make and model if yours gets totaled in a covered event
- Collision. Covers any damage to your vehicle caused by an accident
- Comprehensive. Covers any damage to your vehicle caused by non-accident-related events like inclement weather or vandalism
- Medical payments (MedPay). Pays for ambulance fees, hospital bills, doctor follow-ups, and other medical fees associated with an accident
- Personal injury protection (PIP). Pays for your medical bills and fees if you are in a covered accident
- Uninsured/underinsured motorist. Pays for damage someone else causes to you or your vehicle when they have inadequate or no insurance
- Rental reimbursement. Covers the cost of renting a vehicle if yours gets damaged in a covered event
- Accidental death. Pays your beneficiary if you or your spouse get killed in a car accident
- Disability income. Pays a weekly stipend for up to one year if you become disabled in a car accident
- GAP insurance. Pays the difference between what you owe on your vehicle and what your car is worth
- Loss of use. Provides a single payment when your vehicle is in the shop after a covered loss
With so many coverage options, it makes sense that many online Shelter auto insurance reviews mention the customizable nature of the company’s policies.
Where is Shelter car insurance available?
Shelter Insurance is a Missouri-based company. The company offers insurance products in the following states:
If you don’t live in one of the states above, you’ll have to look elsewhere for car insurance coverage.
What other types of insurance does Shelter offer?
In addition to auto insurance, Shelter offers the following insurance products:
- Motorcycle
- Renters
- RV
- ATV
- Boat
- Farm
- Flood
- Umbrella
- Personal articles
- Business
When comparing Shelter Insurance vs. State Farm or other well-known companies, Shelter doesn’t offer as many insurance products. However, for a small company operating in just 15 states, Shelter has plenty of options for its customers.
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Shelter Mutual Insurance Company Insurance Rates Breakdown
The average cost for a full coverage policy in the United States is roughly $1,477 annually. Shelter insurance rates are more expensive, at around $2,196 per year. Let’s compare with the top 10 insurers in the country.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Rates for minimum coverage with Shelter are also more expensive.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Nationally, the average cost for a liability-only policy is $541, but a Shelter liability-only car insurance policy typically costs around $704 annually.
How does your driving history affect your Shelter rates?
Shelter’s rates for people with speeding tickets, new or teen drivers, and people who are at fault in a car accident are also higher than the national average. You can compare the top insurance companies’ rates after a speeding ticket below.
| Insurance Company | One Ticket | Clean Record |
|---|---|---|
| AAA | $108 | $180 |
| Allstate | $188 | $166 |
| American Family | $136 | $116 |
| Farmers | $173 | $140 |
| Geico | $106 | $95 |
| Hartford | $136 | $175 |
| Liberty Mutual | $212 | $177 |
| Nationwide | $137 | $140 |
| Progressive | $140 | $120 |
| State Farm | $96 | $105 |
| Travelers | $134 | $160 |
| U.S. Average | $147 | $123 |
Rates for drivers involved in an accident will also be higher than the national average with Shelter. See rates from the top insurance companies below.
| 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 a DUI on your record, you’ll definitely pay more for insurance. You could even have a hard time finding a company willing to offer you coverage, but we’ve put together a list of the top insurance companies that do offer DUI insurance.
| 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 |
Before committing to Shelter car insurance, or any other company, compare quotes online to find a company offering the coverage you want at a price that works with your budget.
Shelter Mutual Insurance Company Discounts Available
Shelter offers several discount options to its policyholders, including:
- Safe driver
- Good student
- Paid-in-full
- Multi-car
- Multi-policy
- Safety features
- Accident prevention course
- Military
- Young adult driver’s education course
- Anti-theft devices
- Window identification
Discounts can save people up to 25% on a car insurance policy, so check with a Shelter representative to see how much you could save on coverage.
Frequently Asked Questions
How can I get a car insurance quote with Shelter?
Shelter offers auto insurance quotes on the company website and over the phone.
Where does Shelter offer insurance policies?
Shelter offers auto insurance in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.
How can I file a claim with Shelter?
You can use Shelter’s company website to file a car insurance claim or call the company to speak with a representative.
What is Shelter Auto Insurance?
Shelter Auto Insurance is a type of insurance coverage that protects individuals and their vehicles against financial loss in the event of an accident, theft, or damage. It is offered by Shelter Insurance, a reputable insurance company.
What types of auto insurance coverage does Shelter offer?
Shelter Auto Insurance provides various types of coverage, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. They also offer optional add-ons such as roadside assistance and rental car reimbursement.
How can I get a quote for Shelter Auto Insurance?
To get a quote for Shelter Auto Insurance, you can visit their official website or contact a Shelter Insurance agent. They will ask for details about your vehicle, driving history, and other relevant information to provide an accurate quote.
What factors affect the cost of Shelter Auto Insurance?
The cost of Shelter Auto Insurance depends on various factors such as your age, location, driving record, type of vehicle, coverage options, and deductible amount. Additionally, your credit history may also be taken into consideration.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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.
FranklinGirl
Stay far away!
BenjaminHM
Non communicative experience.
DaRiD
Problem with Claims Communications
Atm
Great!
Leo_Kim
The product and sevice is good!
Broncos1858
Horrible experience
lesley
Trusted with good rates
Cricky73
A great company to do business with and offer discounts
kolsen
Shelter Insurance, A Great Company
beanmom
Probably the Best