Shelter Auto Insurance Review [2024]

Discover the extensive offerings and acclaimed customer satisfaction of Shelter Auto Insurance, available in 15 states, featuring a diverse array of discounts and coverage options that cater to varying needs in the realm of car insurance.

UPDATED: Dec 29, 2023Fact Checked

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

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

UPDATED: Dec 29, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Dec 29, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 29, 2023Fact Checked
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Shelter Insurance

Average monthly rate for good drivers:

$0

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Highly ranked for customer satisfaction.
  • Offers a wide variety of discounts.
  • Provides optional coverages, including new car replacement.
  • Mobile app for policy management.
  • Positive ratings from A.M. Best and BBB.
  • Ranked #1 in the J.D. Power Customer Satisfaction Survey.

Cons

  • Only available in 15 states.
  • Limited availability of usage-based or pay-per-mile insurance.
  • Discounts may vary based on location.

Final Verdict: Review of Shelter Insurance

Shelter is a good option for car insurance because it offers a wide variety of endorsements and discounts, plus you get free roadside assistance coverage. These discounts can help you save big on your auto insurance policy. The average cost of Shelter auto insurance is $88 per month, however your driving history plays a big role when determining your car insurance rates.

If you have a clean driving record, you will pay less, but your rates will be significantly higher if you have a high number of serious infractions. If you are interested in purchasing an additional Shelter insurance policy, you may be able to earn a discount on your auto insurance policy. Learn how to find the best auto insurance rates

Shelter Insurance offers auto insurance in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. Customers can choose from standard auto insurance coverages, as well as a few different optional coverages, including new car replacement, which is included in all auto insurance policies for new cars that are less than one year old with no more than 15,000 miles on them.  Overall, regarding customer satisfaction, Shelter insurance customer reviews are positive. Shelter Insurance has received high marks where it counts. It has earned an A.M. Best rating of an A and a BBB rating of an A+. Shelter Insurance has also been ranked #1 in the 2021 and 2022 J.D. Power Customer Satisfaction Survey, including auto insurers operating in the Central Region. Additionally, the NAIC reported that Shelter Insurance received a lower-than-average score of 0.71 on the Complaint Index, which measures the provider’s performance and the number of complaints received. 

What You Should Know About Shelter Insurance

Shelter Insurance, which is headquartered in Missouri, was founded in 1946 as its own division of the Missouri Farmers Association (MFA). Currently, it offers a diverse suite of insurance products, including life, home, and auto insurance, which are only available in 15 states. 

Between its wide variety of auto insurance coverage options, discounts, and a high A.M. Best rating of an A, Shelter Insurance is a strong competitor amongst other auto insurance companies operating in the same market. Depending on where your location and your insurance needs, Shelter Insurance may be a good fit for you. 

My Shelter Mobile App

My Shelter, Shelter’s mobile app, allows policyholders to quickly and conveniently manage their Shelter auto insurance policies from their phones. 

  • View auto insurance policy information and ID cards
  • Request roadside assistance
  • Contact your local agent
  • View payment schedule

The My Shelter mobile app is available to all policyholders who are iPhone and Android users. 

Contacting Shelter

Shelter Insurance can be connected in the following ways. 

  • By phone at 1-800-743-5837 or 1-855-817-6510 for roadside assistance.
  • By email using the online form
  • By mail at 1817 W. Broadway, Columbia, MO 65218.

Customers also have the option to contact a local Shelter agent using the online tool.

Getting a Shelter Auto Insurance Quote

Shelter Insurance allows new customers to request an auto insurance quote online or over the phone. Note that to complete the purchase of an insurance policy, customers must work with a Shelter agent. After a customer provides the necessary information online, their quote will be forwarded to a Shelter agent, who will reach out to assist with completing the purchase. 

Filing a Claim with Shelter

To file an auto insurance claim with Shelter, policyholders can contact customer service at 1-800-743-5837 or online. 

Here’s how the Shelter Insurance claims process works. 

  1. File your auto insurance claim. Contact Shelter to file your auto insurance claim. 
  2. The claim is reviewed. Your assigned claims adjuster reviews your claim and your coverage and determines the cost of damages. 
  3. The repair estimate is evaluated. Your claims adjuster reviews the repair estimate. Policyholders who obtained their own estimates can submit the estimate, as well as receipts for expenses they wish to have reimbursed. 
  4. The claim is closed. Once the claim is settled, it will be closed by Shelter Insurance. 

If you need to provide Shelter Insurance with any claims-related documents, they can be mailed to Shelter Insurance-Claims, P.O. Box 6008, Columbia, MO 65205. You can also contact a claims office, which can be located using the online tool available on Shelter’s website. 

Customer Complaint Ratio

Shelter has received high marks for customer satisfaction. Shelter insurance’s A.M. Best rating of A, as well as the #1 ranking on the J.D. Power Customer Satisfaction Survey in 2021 and 2022, indicate that Shelter continues to meet its obligations to its customers. According to the NAIC, Shelter Insurance has also received less than the average number of complaints. It received a lower-than-average score of 0.71 on the NAIC Complaint Index. 

Other Insurance From Shelter

Shelter Insurance offers the following additional insurance products: 

  • ATV insurance
  • Boat insurance
  • Business insurance
  • Farm insurance
  • Flood insurance
  • Motorcycle insurance
  • Personal articles insurance
  • Renters insurance
  • RV insurance
  • Umbrella insurance

With top-tier customer satisfaction, a robust app for policy management, and a streamlined claims process, Shelter stands out. Contact them easily via various channels for quotes, claims, or general inquiries. Beyond auto insurance, they provide a wide range of supplementary coverage options to meet various insurance needs.

Shelter Insurance Insurance Coverage Options

Here are Shelter’s standard auto insurance coverage options:

  • Liability insurance coverage: Pays for property damage and bodily injury expenses for all individuals involved in the accident other than the at-fault driver.
  • Comprehensive auto insurance: Pays for property damage resulting from fire, theft, vandalism, extreme weather, or a collision with an animal. 
  • Collision: Pays for property damage resulting from a collision with another vehicle or object. 
  • Medical payments: Pays for medical expenses and funeral costs for individuals injured in an accident. 
  • Personal injury protection insurance coverage Covers various expenses for individuals injured in an accident, including medical expenses, lost wages, funeral costs, and other services the injured party was responsible for before the accident. 
  • Other coverage: Bodily injury pays for medical expenses resulting from an accident with an uninsured or underinsured motorist, while property damage pays for property damage resulting from an accident with an uninsured motorist. 

Shelter Insurance offers the following optional auto insurance coverages: 

  • New car replacement: Covers the cost of a new vehicle of the same make, model, and year after your vehicle was damaged in an accident.
  • Disability income coverage: Pays out a weekly stipend to individuals who cannot return to work after being injured in a car accident. 
  • Accidental death coverage: Pays out if you or your spouse dies in a car crash. Additional family members can be added to this coverage.
  • Gap insurance: Covers the difference between the value of your vehicle and the remaining loan balance if your vehicle is totaled in an accident. Learn which auto insurance companies offer Gap insurance.
  • Loss of use: Provides drivers with a single payment when their vehicle is in the shop being repaired.
  • Roadside assistance: Pays for roadside emergency services, including fuel delivery, lockout, towing, or battery jump-start, up to $100. Learn which auto insurance companies offer the best roadside assistance.

Although most optional coverages can be added to your auto insurance policy for a fee, new car replacement is included for all Shelter policyholders with a new vehicle, which is considered to be a vehicle less than one-year-old with less than 15,000 miles. 

Does Shelter offer usage-based auto insurance or pay-per-mile auto insurance?

No, Shelter does not offer usage-based insurance or pay-per-mile insurance. If you don’t drive often, you should consider an auto insurance provider that offers pay-per-mile or low-mileage insurance. Find the best auto insurance companies for people who don’t drive often.

Does Shelter offer rideshare insurance?

Shelter directs any drivers who are employed by a rideshare company to contact their local agent to confirm if they are covered and what coverages are available. 

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Shelter Insurance Insurance Rates Breakdown

Driver ProfileShelter Auto InsuranceNational Average
Clean Record$91$119
1+ Ticket$130$147
1+ Accident$170$173
DUI$220$209
Poor Credit$157$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Here’s what drivers can expect to pay for Shelter insurance rates:

Shelter Average Monthly Full Coverage Auto Insurance Rates
Insurance CompanyFull Coverage Auto Insurance Rates
State Farm$58
American Family$73
Progressive$114
Shelter $89
Geico$133

When calculating the cost of insurance, several factors are taken into account by insurance companies. Rating systems vary, but typically insurance companies use age, gender, driving record, vehicle type, annual mileage, location, and credit score. With so many variable impacting rates, drivers will see varying premiums between different auto insurance companies. 

Shelter Insurance Discounts Available

DiscountsShelter Auto Insurance
Anti Theft17%
Good Student22%
Low Mileage17%
Paperless9%
Safe Driver28%
Senior Driver17%

Shelter Insurance offers customers many discounts that can lower their auto insurance premiums. 

Here are Shelter’s auto insurance discounts:

  • Safe driver discount: Available to drivers who have gone free of accidents or violations for three years.
  • Good student discount: Available to high school and college students with good grades. 
  • Pay in full discount: Available to drivers who pay their premiums in one full payment semi-annually or annually.  
  • Multi-car discount: Available to drivers with more than one vehicle insured by Shelter Insurance. 
  • Companion policy discount: Available to drivers 48 years old or older with both Shelter auto insurance and property insurance. 
  • Companion life discount: Available to drivers with both Shelter auto insurance, life insurance, and property insurance.  
  • Passive restraint discount: Available to drivers with passive restraints that meet federal safety standards. 
  • Accident prevention course discount: Available to primary drivers who complete an accident prevention course. 
  • Military discount: Available to active-military service members stationed in Louisiana. 
  • Anti-theft discount: Available to Kentucky and Illinois residents with vehicles equipped with anti-theft items, such as alarms, fuel cutoffs, and steering wheel locks. 
  • Window identification system discount: Available to Louisiana Residents with vehicles displaying the VIN in every window. 
  • Multi-coverage discount: Available to Nevada residents with two motor vehicles, motorcycles, or motor homes are insured with Shelter. 
  • Driver training course discount: Available to drivers under 21 years old who have completed a driver’s education program. 

You can speak with your Shelter insurance agent about which discounts you qualify for and confirm the potential cost of your Shelter auto insurance policy once the discounts are applied to your premium. 

How Shelter Insurance Ranks Among Providers

Shelter Auto Insurance operates in a competitive landscape where several companies strive to offer comprehensive coverage and competitive rates. Understanding the market and knowing the key players can help in making informed decisions about insurance choices.

  • State Farm: Known for its wide range of insurance options and excellent customer service, State Farm competes strongly in the auto insurance sector, offering personalized coverage and various discounts.
  • Allstate: With a focus on customizable policies and innovative tools like Drivewise, Allstate competes by providing options that cater to different driver needs and habits.
  • Progressive: Recognized for its user-friendly approach and Snapshot program, Progressive offers competitive rates and a seamless online experience, appealing particularly to tech-savvy customers.
  • Geico: Renowned for its extensive advertising campaigns and straightforward policies, Geico competes by offering affordable rates and an efficient claims process.
  • Farmers Insurance: Providing a range of coverage options and a reputation for personalized service, Farmers Insurance competes by offering tailored policies to meet individual customer needs.

Navigating the landscape of auto insurance involves considering various factors beyond just premiums. Each competitor brings its unique approach and strengths to the table, making it crucial for consumers to explore options thoroughly before making an informed decision on their auto insurance provider.

Frequently Asked Questions

Is Shelter Insurance available in all states?

Shelter Auto Insurance is currently available in 15 states. It’s essential to check their availability in your specific location.

What types of coverage options does Shelter Insurance offer?

Shelter Insurance offers standard auto insurance coverages, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer optional coverages such as new car replacement.

Does Shelter Insurance offer discounts?

Yes, Shelter Insurance offers various discounts to help lower auto insurance premiums. Some of the discounts they offer include safe driving, pay-in-full, good student, and defensive driving discounts.

How can I get a quote from Shelter Insurance?

To get a quote from Shelter Insurance, you can request one online or by phone. However, to complete the purchase of an insurance policy, you will need to work with a Shelter agent.

How do I file a claim with Shelter Insurance?

To file an auto insurance claim with Shelter Insurance, you can contact their customer service at 1-800-743-5837 or file a claim online through their website or mobile app. You can also mail claims-related documents to the designated address.

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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

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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