Shelter Auto Insurance Review for 2024

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Sara Routhier

Sr. Director of Content

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Sr. Director of Content

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

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Shelter Insurance underwrites auto policies and more in 14 different states, mostly located in the Midwest and the south. They give their customers the option of either getting a quote and managing their policy online or doing business face-to-face with an agent. Shelter is actually structured as a group of insurance companies which include Shelter Mutual, Shelter General, Shelter Life, Shelter Reinsurance, and Haulers Insurance Company.

Shelter Insurance Review

As far as ratings go, Shelter has some pretty strong rankings in both customer service and financial strength. AM Best has given them an A rating of excellent, and they have an A+ with the Better Business Bureau with no customer complaints filed through their organization within the last 3 years.

Ratings Agency Rating
AM Best Financial Strength Rating (2016) A
Better Business Bureau Rating (2016) A+
NAIC Complaint Index (2012) 0.36 (better than average)

Shelter Insurance Discounts

It’s rare these days to find an automotive insurance company that doesn’t offer discounts for their customers. Shelter offers plenty, but they don’t openly advertise exactly how much you can expect to save. Still, many of the discounts they offer are very common, so it shouldn’t be difficult to qualify for at least a few:

Discount How to Qualify
Multi-Policy Discount Bundle auto + at least one other insurance product together onto the same policy
Safe Driver Discount Keeping a clean, accident- and ticket-free driving record for a period of time
VIN Discount Purchasing a vehicle with a visible VIN number (Louisiana only)
Active-Duty Military Active duty military personnel stationed at a Louisiana military base qualify (Louisiana only)

Shelter Auto Insurance Options

Shelter, like many other companies in the automotive insurance industry, has certain coverages they will offer you even if you only purchase a bare minimum policy. This mandatory coverage includes:

However, if you want more protection and you have the money to purchase a more expensive policy, you can also add the following benefits to your insurance policy:

  • Collision
  • Comprehensive
  • Medical Payments
  • Personal Injury Protection (No Fault)
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage
  • Rental Reimbursement
  • Emergency Road Service Reimbursement
  • Accidental Death
  • Disability Income Coverage
  • Gap Insurance
  • Loss of Use

Comparing Shelter Insurance Quotes

Some motorists may be surprised to find out that insurance quotes don’t just differ from one company to another – they can also vary greatly from one driver to another even if they have policies from the same company. This is because your monthly premium is calculated by your risk profile, which may be high or low depending on how risky of a driver you are:

Shelter Auto Insurance Quote ComparisonLegend: Shelter Young Female Driver < 25Young Male Driver < 25Single RenterSenior Driver 50100150200250300350$258$359$114$87

Young Female Driver < 25
Young Male Driver < 25
Single Renter
Senior Driver






As you can see in the chart above, younger drivers who have less experience driving (and are more likely to get into an accident) are charged much higher rates than older adult drivers and senior citizens. It’s also likely that older drivers get discounts for owning their home, bundling policies, and more.

Pros and Cons of Shelter Insurance

Pro Con
High financial strength rating Certain underwriters within the Shelter insurance family charge higher rates than others – be careful when shopping for quotes
Lower than average amount of customer service complaints Auto policies only available in the Midwestern and Southern states

If you are an older, lower-risk driver who owns their own home, you might be able to get some decent coverage for an affordable rate if you request a quote from Shelter. But higher-risk drivers and younger drivers might run the risk of getting charged some pretty high rates. No matter which insurance company you decide to give your business to, be sure to compare their quotes with other providers in your area. It’s the easiest way to get the best deal.

Corporate Headquarters
1817 West Broadway
Columbia, MO 65218
Phone: 573-445-8441
Fax: 573-446-5730

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