Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 22, 2021

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Company Details
President: Randa Rawlins
Address: 1817 W Broadway
City: Columbia
State: MO
ZIP Code: 65218
Phone Number: 800-225-5729
Toll Free: No Toll Free Number Known
Year Founded: 2016
Company Rating 0 (0 reviews)

We know shopping for auto insurance can be overwhelming. There are so many choices. Where do you even start? Who are the best insurance companies, and what’s right for your needs? You’ve come to the right place. If Say Insurance auto insurance is on your list, we have what you need to know.

Is Say Insurance a good company? Who owns Say Insurance? Can you buy affordable Say Insurance auto insurance? How can you get Say Insurance auto insurance quotes? In what states can you buy Say Insurance?

Read this Say Insurance auto insurance review for the basics on the Say Insurance auto insurance company, including where you can buy it, pros and cons, how it works, and more.

We know regardless of whether Say Insurance auto insurance is right for you, saving on your rates is important, and the best way to save is to comparison shop. You can start saving right now by using your ZIP code in the tool on this page to get a free quote and start comparing.

What are average Say Insurance auto insurance rates?

Say Insurance, a subsidiary of Shelter Insurance, does not publish its rates, so we don’t have an average cost for you. However, as a part of the company’s goal to offer low rates to customers, Say Insurance does promise savings of up to $1,126 per term (which translates to $188 per month).

One of the reasons you may save with Say Insurance is that Say can be more selective about which drivers to insure as a smaller company. As a result, the company can decide not to insure higher-risk drivers, thereby keeping base rates lower for all customers.

One of the things that sets Say Insurance apart is the company’s commitment to transparency. And, as a part of that transparency, Say provides customers with their insurance scores, which are generated using a proprietary formula that includes typical factors like your age, driving record, credit score, and more.

Say Insurance takes the insurance score to the next level by creating a Say score for customers, which it uses to estimate your rates, give you discounts for customer loyalty (more on this later), etc.

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Where can you buy Say Insurance auto insurance?

Say Insurance auto insurance is only available in six states at this time:

  • Missouri
  • Tennessee
  • Kansas
  • Colorado
  • Illinois
  • Indiana

While your options are currently limited, and you can’t buy Say Insurance if you don’t live in one of these states, the company plans to expand. As a result, Say Insurance may sell policies in your state in the near future.

What are the company ratings for Say Insurance auto insurance?

One thing you’ll want to know before deciding on a specific insurance company is whether or not the company has positive customer satisfaction ratings. Why? Because this is an indicator of whether or not you’ll get the customer service you need when you’re filing a claim, or need help.

So how is Say Insurance’s customer service? The Better Business Bureau has given the company an accreditation of A+ and a 4.5 out of five stars for customer satisfaction. So, you’ll be in good hands with Say Insurance if you need help.

Another measure of a company’s customer service is the number of complaints received. The National Association of Insurance Commissioners (NAIC) collects complaint data from companies across the insurance industry and calculates the average number of complaints received, represented by the number one.

Users can then compare the insurance industry complaint index to individual company complaint data. That way, you can see whether companies receive more or less than the average number of complaints.

Currently, the NAIC does not report any complaint data for Say Insurance. Still, the NAIC complaint index for Say Insurance’s parent company Shelter Insurance indicates it has received fewer and fewer complaints each year. That means the company’s complaint index has steadily decreased, with a complaint index of 0.58 in 2020.

Financial stability is also an important factor, and one resource for this is A.M. Best, a company that provides financial ratings for the insurance industry. A.M. Best hasn’t provided Say Insurance with a rating but gives Say Insurance’s parent company Shelter Insurance an A rating. This means the company is financially stable and has a solid outlook for the future.

What coverage options does Say Insurance auto insurance offer?

You can buy the following coverage options from Say Insurance:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/Underinsured Motorist coverage
  • Medical Payment (MedPay) coverage

While the company promises low prices and does its best to deliver, your statistics (age, driving record, vehicle, etc.) will affect your rates.

Does Say Insurance auto insurance offer any add-ons?

Say Insurance does have a couple of add-ons available to customers. The company automatically adds roadside assistance to any policy for no extra charge. With the roadside assistance coverage, you’ll get up to $100 per incident to pay for towing, locksmith services, changing a flat tire, etc.

There are a few qualifications for this coverage, which is provided through Road America. For one thing, the service only applies if your vehicle is within 50 feet of a paved or properly graded road. Unfortunately, if you’re off-roading and need a tow, you’re probably out of luck.

While not free or automatically added to your coverage, rental reimbursement is also an option you can add to your policy. However, you will need to have collision or comprehensive coverage. With Say Insurance’s rental reimbursement, you’ll be able to get a rental car if your primary vehicle is in the shop for repairs after a covered incident.

Say offers a few different options for rental reimbursement, including:

  • Coverage for $30 per day for up to 30 days
  • Coverage for $40 per day for up to 30 days
  • Coverage for $50 per day for up to 30 days

You can decide which coverage level makes the most sense based on your vehicle needs.

Are there any discounts or other perks available with a Say Insurance auto insurance policy?

In addition to offering low base rates, Say Insurance also offers some discounts to drivers who qualify. The major discounts available through Say Insurance include:

  • Advance purchase – applies if you purchase your policy a minimum of seven days before renewal
  • Anti-theft – applies with comprehensive coverage if you have an approved anti-theft device installed in your car
  • Continuous insurance – applies if you’ve had no breaks in coverage
  • Defensive driving course – applies if you take an approved defensive driving course
  • Multi-vehicle – applies if you have multiple vehicles insured on your policy
  • Paperless – applies if you select paperless billing
  • Pay-in-full – applies if you pay for your policy term in full and upfront

Say Insurance also provides other opportunities to save on your rates through accident forgiveness on any incident costing less than $1,000. The company also offers customer loyalty benefits.

If you’re a repeat customer for Say Insurance, you’ll continue to get additional discounts on your rates. How? At every renewal, 50 points are added to your Say score. That 50 points comes with a 4% discount, so you can save an extra 4% on your rates each time you renew your policy.

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How do you buy and manage a Say Insurance auto insurance policy?

Say Insurance offers quotes through the company website and has a simple process for buying a policy once you’ve requested a quote.

Once you’re a Say Insurance customer, you can manage your policy through:

  • Signing into your My Say account on the company website
  • Using the Say app
  • Calling the customer service line.

If you’re wondering about the Say Insurance app, you can download it through the Google Play store or the App Store. The app allows you to pay your bills, manage your policy, and even file claims.

How do you file a claim with Say Insurance auto insurance?

Say Insurance offers a simple claims process with a 90% satisfaction rate from customers (based on a self-administered survey conducted in January 2021). There are only a few steps, including:

  • Following the claim filing instructions described when you initiate the claims process through the My Say account, the Say app, or by calling the customer service line
  • Working with your assigned adjuster to provide any additional information they request while reviewing your claim
  • Requesting an estimate for repairs and a rental car (if needed), which you can send to your adjuster to find out what will be covered
  • Working with your insurance adjuster to receive any payments for repairs, rental car, medical bills, etc.

You can file a claim whenever you need to and check your claim status and progress through your My Say account or the Say app.

What are the pros and cons of Say Insurance auto insurance?

Like all companies, Say Insurance has its pros and cons. And, to help you decide whether or not the company is for you, we’ve summarized a few of them.

Say Insurance pros include:

  • Roadside assistance is added to every policy
  • Policies can be purchased and managed entirely online
  • Customers can get their insurance scores from the company
  • 24/7 customer service options include email, chat, and over the phone

Say Insurance cons include:

  • Policies can be purchased and managed entirely online
  • Say Insurance won’t cover customers that need an SR-22 
  • Bundling coverage types isn’t an option because Say Insurance only sells auto insurance

Depending on your needs and preferences, the pros and cons may shift. For example, we listed the online purchasing and management of policies as both a pro and a con because some customers may like the online option, while others may prefer face-to-face interactions.

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Say Insurance Auto Insurance: The Bottom Line

Say Insurance advertises low rates and an easy purchasing process and claims you can save up to $1,126 on your rates when you switch.

The company was founded in 2016 as a subsidiary of Shelter Insurance and is currently A+ accredited by the Better Business Bureau. Say Insurance also has a 4.5 out of five-star customer satisfaction rating from the Better Business Bureau.

Only you can decide if Say Insurance is the right fit for your needs, but we hope the information we’ve included in this Say Insurance auto insurance review helps you make that determination. Regardless of your decision, it’s a good idea to compare rates from multiple companies to make sure you’re getting the best coverage at the best rate.

Before you leave our Say Insurance auto insurance review, take a few minutes to enter your ZIP code in our tool to get a free quote and start comparison shopping right now.