Shelter Auto Insurance Review (2024)

Shelter Insurance offers various products and discounts to its customers. However, car insurance rates with the company are relatively expensive, and coverage is only available in 15 states in the U.S.

Still, Shelter insurance ratings for customer satisfaction and financial strength suggest it’s a good option for anyone searching for car insurance. So before you commit to Shelter, compare quotes from multiple companies to get a good idea of what works best for you.

What You Should Know About Shelter Mutual Insurance Company

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. Shop for Shelter insurance online and compare quotes from other companies with Shelter auto insurance quotes to see who can offer you the best price.

Shelter Car Insurance Availability

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.

Shelter Insurance Ratings and Reviews

Shelter Insurance’s A.M. Best rating is A (excellent) in terms of financial strength. Shelter insurance reviews from the BBB also reveal that the company boasts an A+ rating, though the BBB website lists several Shelter insurance complaints from 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 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. Shelter’s insurance roadside assistance overs 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. Shelter insurance covers the cost of a rental car 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 car insurance reviews mention the customizable nature of the company’s policies.

Other Types of Insurance From Shelter

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.

Shelter Mutual Insurance Company Insurance Rates Breakdown

The average cost for a Shelter insurance full coverage policy in the United States is roughly $1,674 annually. Shelter insurance quotes are more expensive, at around $2,196 per year. Let’s compare with the top 10 insurers in the country.

Rates for minimum coverage with Shelter are also more expensive. 

Nationally, the average cost for a liability-only policy is $565, 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.

Shelter insurance rates increase for drivers involved in an accident. So, rates will be higher than the national average with Shelter Insurance Company. See rates from the top insurance companies below.

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.

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 insurance customer service representative to see how much you could save on coverage.