Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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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…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 5, 2020

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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 AgencyRating
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:

DiscountHow to Qualify
Multi-Policy DiscountBundle auto + at least one other insurance product together onto the same policy
Safe Driver DiscountKeeping a clean, accident- and ticket-free driving record for a period of time
VIN DiscountPurchasing a vehicle with a visible VIN number (Louisiana only)
Active-Duty MilitaryActive 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:

  • Bodily Injury Liability
  • Property Damage Liability
  • Roadside Assistance
  • New Car Replacement

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 Comparison Legend: Shelter Young Female Driver < 25 Young Male Driver < 25 Single Renter Senior Driver 50 100 150 200 250 300 350 $258 $359 $114 $87

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

High financial strength ratingCertain underwriters within the Shelter insurance family charge higher rates than others – be careful when shopping for quotes
Lower than average amount of customer service complaintsAuto 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