Say Insurance Auto Insurance Review for 2022

Say Insurance Auto Insurance Company operates fully online and is part of the Shelter General Insurance Company group. While Say Insurance auto insurance quotes are currently unavailable, customers can save up to $1,126 each term by earning auto insurance discounts. At this time, you can only buy Say Insurance auto insurance policies in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 29, 2021

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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.

Can't-Miss Facts

  • Say Insurance auto insurance is online-only
  • The Shelter General Insurance Company brand created Say Insurance in 2016
  • You can buy Say Insurance auto policies in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee

The Say Insurance Auto Insurance Company is owned by the Shelter General Insurance Company group and operates fully online.

Currently, you can only buy Say Insurance auto insurance if you live in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

Getting cheap auto insurance rates is just one part of finding the best insurance company for you.

In this Say Insurance auto insurance review, you’ll learn how to request a quote, file claims, and even look at financial ratings and customer reviews to help you determine if Say Insurance is a good fit for you.

After learning about the Say Insurance auto insurance company, remember to enter your ZIP code into our free rate comparison tool above to receive quotes from the best companies in your region.

What is Say Insurance Auto Insurance Company?

The Shelter General Insurance Company brand created Say Insurance in 2016 to offer an online-only option.

Today, Say Insurance sells auto insurance policies in six different states: Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

Say Insurance is very new to the industry, and it recently celebrated its fifth anniversary.

But its parent company, Shelter General, started selling automobile insurance in 1946.

How much does Say Insurance cost? Unfortunately, sample Say Insurance auto insurance quotes are not available.

However, its parent company sells basic policies averaging $54.58 per month or $655 annually. Full coverage policies average $183 per month or $2,199 annually.

So it’s possible rates from Say Insurance may look similar or even cost less. Tha’s because the company provides cheaper rates by reducing overhead costs thanks to online operations.

To get a Say Insurance quote, you must go through the company website or call the Say Service Squad directly. The online quote application takes about five minutes to complete.

Say Insurance offers traditional auto insurance coverage options, including liability insurance and comprehensive and collision coverage.

It also sells medical payments (MedPay) policies, uninsured motorist coverage, rental reimbursement, and new car replacement coverage.

All Say Insurance auto insurance policies also have accident forgiveness and roadside assistance as a free perk.

Say Insurance customers use mobile app where they can find their insurance card, make policy changes, pay a bill, and access the 24-hour claims or roadside assistance centers.

Unfortunately, Say Insurance does not sell high-risk auto insurance at this time. So if you require SR-22 insurance or if you’re considered high-risk to insure, you’ll need to look elsewhere.

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What are the average Say Insurance auto insurance rates?

How much does Say Insurance auto insurance cost? Unfortunately, Say Insurance auto insurance rates aren’t available.

However, quotes from its parent company, Shelter General, average $655 annually for a basic policy and $2,199 per year for full coverage auto insurance.

Since Say Insurance is a subsidiary of Shelter General, quotes from the company may look similar.

We do know that Say Insurance auto insurance quotes are based on your driving record.

A higher auto insurance rate is likely due to a bad driving history.

People with multiple driving citations, tickets, or many past claims may see higher quotes from Say Insurance than those with clean driving records.

Similarly, if you request a quote online and are denied, it’s because the system determined Say Insurance is not a proper fit for you.

For more information, contact the Say Service Squad by phone.

How do you file a claim with Say Insurance?

Filing a Say Insurance auto insurance claim is easy and convenient. Plus, real Say Insurance customers rate the process highly.

The claims center received a 90% satisfaction rating based on a survey sent to Say drivers who filed claims in January 2021.

The claims center is available 24-hours a day in the My Say mobile app. However, you can also call the company directly to file a claim.

For efficiency, Say Insurance requests that you gather photos of the accident scene, a copy of the police report, a list of any injuries, and details about where and when the accident occurred.

The contact information for your claims adjuster is found in your My Say account, so you can easily communicate with them throughout the entire process.

Before completing any repairs, get an estimate from your adjuster. They will also help you with the payment processes for any medical costs.

What auto insurance discounts does Say Insurance offer?

Say Insurance offers a handful of various auto insurance discounts to drivers. However, availability and savings vary by state.

But, according to the company website, customers may save between $6.60 and $1,126 each policy term by qualifying for the various deals.

In the table below, see what discounts are offered, what the potential rate reductions are, and where the deals are available.

Say Insurance Auto Insurance Discounts
Discount NamePotential Rate ReductionPolicy Types Reduced by DiscountStates Where Available
Advance purchase discount10%Full policyCO, IL, IN, KS, MO, TN
Anti-theft discount15%Comprehensive coverageIL
Continuous insurance discount10%Full policyCO, IL, IN, KS, MO, TN
Defensive driving course discount10%Liability, Medical Payments, and Collision coverageCO, IL, IN, KS, TN
Paperless discount10%Full policyCO, IL, IN, KS, MO, TN
Pay-in-full discount10%Full policyCO, IL, IN, KS, MO, TN
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You can lower your Sat Insurance rates by adding multiple vehicles to your policy. However, there are no details about how much you might save.

Say Insurance does not offer any insurance bundles at this time. It focuses only on low-cost auto insurance policies.

However, all Say Insurance customers get free accident forgiveness included.

The company does not raise your rates after your first accident costing less than $1,000.

With most companies, accident forgiveness programs are policy add-ons and cost extra. So it’s an excellent policy benefit for Say Insurance drivers.

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What are the ratings and reviews for Say Insurance?

It’s important to check an insurance company’s customer reviews and financial ratings to verify that it’s reliable before buying a policy.

Because Shelter General backs Say Insurance, we’ll look at reviews for both companies.

Currently, Say Insurance is Better Business Bureau accredited and has an A+ rating. This means the company handles customer complaints well.

But customer reviews of Shelter General are not as good. According to the National Association of Insurance Commissioners (NAIC), the company has a complaint index of 5.56, which is a lot higher than average.

This score means the company gets more complaints than other comparable insurance companies.

While it’s typical for insurers to receive negative reviews online, it does appear that Shelter General struggles at times with customer satisfaction.

Fortunately, the company performs better with financial rankings. Shelter General earned an A score from A.M. Best, meaning that the company is in a solid financial position.

Because Shelter General owns Say Insurance, you can trust that Say Insurance will be able to pay claims.

What is the history of Say Insurance?

Founded in 2016, Say Insurance is a newcomer to the insurance industry. But its parent company, Shelter General, started selling auto insurance in Missouri back in 1946.

Shelter General expanded its insurance offerings to include casualty products and life insurance. It also started underwriting those policies in at least 21 different states.

In 2016, the Shelter General brand noticed that some auto insurance customers specifically wanted to buy and handle policies entirely online.

So, to provide those drivers with an efficient, cost-friendly company, the Shelter General Insurance group created Say Insurance.

In fact, Randa Rawlins is the current president and CEO of both Say Insurance and Shelter Mutual Insurance.

Today, Say Insurance sells auto insurance policies in six different states and operates entirely online.

What other insurance products does Say Insurance sell?

Say Insurance does not sell any other insurance products besides auto insurance.

Instead, the company focuses only on online auto policies.

In the table below, read more details about precisely what auto insurance coverages Say Insurance sells and what it protects you from.

Auto Insurance Coverages Offered by Say Insurance
Insurance Type OfferedWhat It Covers
Collision insurancePays for damage to your vehicle while in motion, regardless of fault. A deductible applies.
Comprehensive insuranceCovers damage to your vehicle from non-accident-related incidents, including theft, vandalism, and weather damage. A deductible applies.
Liability insurancePays for damage to another driver if you're responsible for causing an accident.
Medical payments coverageHelps pay for your medical bills as well as your passengers' medical bills resulting from an accident, regardless of fault.
New car replacement coverageEnsures you can replace your vehicle with a similar vehicle if your car is stolen or totaled.
Rental reimbursementHelps cover rental car costs after an accident as long as you purchase comprehensive or collision coverage.
Uninsured motorist coverageProtects you and your car if you're hit by an at-fault driver who does not carry enough insurance or is entirely uninsured.
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As you can see, in every state where Say Insurance operates, you can purchase at least the minimum legal levels of required auto insurance.

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Say Insurance Auto Insurance: The Bottom Line

If you live in a state where Say Insurance operates and you’re interested in an entirely online auto insurance experience, consider adding this company to your comparison list.

You’ll get complimentary roadside assistance and accident forgiveness as a Say Insurance customer, two policy add-ons that often cost extra from other companies.

However, high-risk drivers may not qualify for Say insurance quotes. So if you’re a teen driver or someone with a poor driving record, you might need to look elsewhere for coverage.

You’ve learned about affordable Say Insurance auto insurance, now secure the best coverage from the top companies near you by entering your ZIP code into our free quote comparison tool below.

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Enter your ZIP code below to compare auto insurance rates.

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