Shelter Insurance Auto Insurance Review: Ratings and Quotes (2025)
Shelter is a small insurer offering competitive rates in 15 U.S. states.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Shelter Insurance has high ratings with J.D. Power, so drivers looking for excellent customer service should give this regional insurance company a look. It underwriters policies in only 15 U.S. states, but its limited availability is compensated by more available discounts than many competitors.
Overall, Shelter has a balance of advantages and drawbacks. For instance, while it possesses a good financial strength rating, it has no mobile app. Read on to learn more about policy perks and missed opportunities that will help you determine if Shelter Insurance is the right company for you.
Quick Facts
Rates for full-coverage policies from Shelter Insurance are lower than the national average.
Liability-only policies from Shelter Insurance include roadside assistance and new-car replacement.
Shelter’s National Association of Insurance Commissioners (NAIC) complaint index score is lower than average for a company of its size.
How Shelter Insurance stacks up
Shelter Insurance is a good option when compared to competitors like CSAA, Auto-Owners, Erie, and State Auto. Its AM Best financial strength rating of A (Excellent) is strong, and although its rates are higher, Shelter Insurance offers more discounts and better customer service. One big drawback is that its availability is limited to 15 states — more than Erie but fewer than Auto-Owners.
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
How drivers feel about Shelter Insurance
Customers appreciate the clear communication and friendly service but dislike the unexpected rate increases and difficult website navigation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Good customer service
Affordable full coverage
Bundling savings
How drivers feel about Shelter Insurance
Customers appreciate the clear communication and friendly service but dislike the unexpected rate increases and difficult website navigation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Good customer service
Affordable full coverage
Bundling savings
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Shelter is a mutual insurance company with high marks from the Better Business Bureau and AM Best. The company also has a lower-than-expected number of complaints in the National Association of Insurance Commissioners Complaint Index. In addition to car and homeowners insurance, Shelter also sells different types of vehicle policies, renters, life, farm, flood, and business insurance. Every policy includes new-car replacement coverage and roadside assistance. Optional coverages include rental reimbursement, accidental death, disability income, loss of use, and gap insurance.
Pros
Numerous discounts available
New-car replacement and roadside assistance included
High customer satisfaction score from J.D. Power
Cons
Available in only 15 states
No option for getting a quote or buying a policy online
Higher-than-average rates for some drivers
Factor  | How Shelter Insurance Compares |
|---|---|
| Rates | Higher than competitors |
| Customer service | Better than competitors |
| Discounts | More than competitors |
| Availability | Less than competitors |
| Financial strength | Stronger than competitors |
Average cost of Shelter auto insurance
Shelter car insurance rates are lower than the national average of $176 for full-coverage car insurance. Drivers hoping to maximize reimbursement for a covered loss for their vehicle pay $231 per month for a full-coverage policy with Shelter.
However, liability-only insurance isn’t as cheap with Shelter as the national average. Shelter has a monthly average rate of $145 for liability coverage — more than the national average of $99 per month.
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Shelter’s liability rates start at $145 per month
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Shelter Insurance reviews and ratings
Shelter Insurance has decent ratings regarding its financial strength and customer satisfaction. However, its reviews on sites like Trustpilot and the Better Business Bureau (BBB) aren’t as favorable.
Shelter has a rating of 2.8/5 on Trustpilot and 1.19/5 on BBB. It’s worth noting that both sites have a combined total of 32 reviews, so the reviews don’t represent a large consumer base.[1] [2]
Shelter Insurance customer reviews
Shelter Insurance ratings
Reviewing ratings from third-party companies like J.D. Power and AM Best can offer more insight into how a company operates. For example, J.D. Power and the NAIC complaint index use customer reviews to rate service, while AM Best rates the financial strength of auto insurance companies.
AM Best: A[3]
J.D. Power: No. 1 in customer satisfaction among auto insurers in the Central region[4]
S&P: N/A
Moody’s: N/A
NAIC Complaint Index: 0.32[5]
Shelter Insurance coverage options
All car insurance companies have to offer the state-minimum required coverage, which is referred to as liability-only insurance. Shelter Insurance’s liability coverage includes:
Bodily injury liability
Bodily injury liability pays for injuries or death you cause another driver.
Property damage liability
Property damage liability pays for damages you cause to another vehicle or structure.
Roadside assistance
Roadside assistance covers costs associated with battery jumps, getting locked out of your car, and getting your flat tire patched.
New-car replacement
New-car replacement replaces your car with a new one of the same make, model, and year if yours is totaled within a year and has fewer than 15,000 miles.
Some companies, like Shelter Insurance, offer additional coverage that isn’t required by law but provides the policyholder with more protection, such as:
Collision coverage
Collision insurance covers damages to your vehicle when you collide with an object.
Comprehensive coverage
Comprehensive insurance covers damages to your vehicle from fire, flood, vandalism, and other non-collision sources.
Medical payments coverage
Medical payments coverage pays medical bills for accident-related medical expenses, like X-rays and ambulance rides.
Personal injury protection coverage
Personal injury protection covers expenses an injured person is without after an accident, such as income loss, housecleaning, or child care.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for injuries to you that an uninsured or underinsured motorist causes.
Temporary transportation coverage
Temporary transportation coverage pays for the cost of alternative transportation when your car is in the shop.
Gap coverage
Gap insurance covers the remaining payment on your auto loan that exceeds your collision limit if your car is totaled.
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Shelter Insurance car insurance cost by state
Each state sets its own minimum insurance requirements. Colorado, for instance, has a 25/50/15 requirement, while Louisiana has a 15/30/25 requirement. This means that drivers need more bodily injury liability protection in Colorado but more property damage liability coverage in Louisiana.
The table below shows the monthly average quotes for both liability-only coverage and full-coverage policies in some of the states where Shelter Insurance operates.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
State | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Arkansas | $188 | $98 |
| Mississippi | $188 | $109 |
| Oklahoma | $217 | $115 |
| Nebraska | $221 | $124 |
| Kansas | $256 | $147 |
| Missouri | $263 | $151 |
| Kentucky | $420 | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shelter Insurance rates by driving history
It’s common knowledge that less-than-perfect driving records can increase how much you pay for car insurance. However, some drivers may be surprised to learn that each infraction — such as getting a speeding ticket or getting into a fender bender — may be penalized differently depending on the insurance company.[6]
Some of these mistakes can even stay on your driving record and affect your premiums for years, even if you haven’t caused an accident or received a ticket since.
The table below shows the monthly averages for a Shelter Insurance policy when a driver has a clean record, a single speeding ticket, a single at-fault accident, and a single DUI.
Driving History | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Clean record | $231 | $145 |
| With speeding ticket | $321 | $201 |
| With at-fault accident | $307 | $193 |
| With DUI | $339 | $213 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shelter Insurance car insurance cost by age
Age is a significant rating factor for all insurance agencies. Older drivers tend to have fewer accidents than teenagers, which is why drivers younger than 25 receive higher rates, according to the Insurance Information Institute (III).[6] Drivers tend to pay the lowest rates as they enter middle age, while the youngest drivers pay the highest rates due to their increased risk of getting into an accident.
For example, you can see in the table below that a teenage driver pays twice as much for car insurance through Shelter Insurance than a driver older than 40. Review the monthly averages below to see just how much age affects a Shelter Insurance auto policy premium.
Age Group | Average Monthly Quote |
|---|---|
| Teens | $302 |
| 20s | $229 |
| 30s | $170 |
| 40s | $153 |
| 50s | $120 |
| 60s | $114 |
| 70s | $107 |
| 80+ | N/A |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shelter Insurance car insurance discounts
Shelter Insurance lists 14 discounts on its website, which range from good student discounts specifically catering to teen drivers to evidence of continuous insurance, which can benefit a wider range of policyholders.[7]
Discounts are a convenient way to lower your rate and should be considered when comparing insurers. Shelter Insurance may change its discount availability, so it’s always a good idea to ask a Shelter agent what discounts you qualify for during your renewal period.
Prior insurer tenure
Prior coverage selection
Evidence of continuous insurance
Loyalty
Length of ownership
Companion other vehicles
Companion life policy
Companion property policy
Safe driver
Pay in full
Passive restraint
Accident prevention course
Shelter Insurance vs. other insurance companies
The car insurance industry is highly saturated, which means that even in markets with the least number of insurance companies, customers still have plenty of choices for coverage options. It’s always a good idea to get free quotes from multiple insurance companies so you can compare factors like customer satisfaction scores, claims reviews, insurance premiums, and industry ranking in terms of financial strength.
Here’s how Shelter Insurance’s reviews, coverage availability, and average quotes compare to Auto-Owners and Erie. Keep in mind that each insurance company may have dissimilar coverage options, discount programs, and third-party reviews.
The below rates are estimated rates current as of: Thursday, December 4 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| Auto-Owners | $46 | $80 | 8 |
| Erie | $78 | $122 | 8 |
| Shelter | $145 | $231 | 8 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Shelter Insurance vs. Auto-Owners
)
Auto-Owners has used independent agents since its inception more than a century ago. It writes policies in 26 states, which is a larger service area than Shelter’s. Like Shelter Insurance, Auto-Owners offers insurance products beyond auto, including renters insurance, home insurance, and personal property coverage.
When considering customer complaints, the two are almost identical. Auto-Owners scoreds 0.53 on the NAIC’s consumer complaint index, while Shelter Mutual Insurance Company is just below the industry average, at 0.32.
Auto-Owners is an excellent choice for drivers who are concerned about whether their insurance company will pay out their claim. Auto-Owners has the highest AM Best financial strength rating available: A++ (Superior).[8]
Shelter Insurance vs. Erie
)
Erie was founded in Pennsylvania nearly a century ago and provides auto, homeowners, life, umbrella, business, and life insurance policies. It has more than 13,000 independent agents in the 12 states that it operates in.
Erie has a few advantages over Shelter Insurance: It’s a larger insurer by premiums written, and it has an A+ (Superior) financial strength rating from AM Best.[9] Erie’s policies also include unique coverages like pet coverage, personal item coverage, and locksmith services.
However, Erie offers half as many discounts as Shelter, and with a smaller service area, it isn’t as available to as many drivers as Shelter Insurance is.
Drivers who don’t want their premiums to increase should look into Erie’s Rate Lock, a feature that sets a consistent premium amount that won’t increase — even with a claim — unless you make changes to your policy or address.
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How to file an auto insurance claim with Shelter Insurance
Shelter Insurance policyholders can file an auto claim in one of three ways: over the phone, with an insurance agent, or online.
To file a claim online:
Visit the Shelter Insurance website and click “File a Claim.”
Either log in to your My Shelter account and follow the prompts, or click “file a claim without logging in.”
Select the type of claim you wish to file, provide your Shelter auto insurance policy details, and list the required information before submitting the claim.
People who wish to file their claim by phone, as well as people who aren’t Shelter Insurance policyholders, can call the claims center phone number at 1 (800) SHELTER (1 (800) 743-5837).
Shelter Insurance FAQs
Learn more about Shelter Insurance with answers to these commonly asked questions.
Is Shelter Insurance legitimate?
Yes. Originally the MFA Mutual Insurance Company, Shelter Insurance has a history dating back to 1914 and has strong ratings with AM Best and J.D. Power. Insurify research found no accusations of fraudulent practices against Shelter Insurance.
What is the average cost of Shelter Insurance car insurance?
The average cost of full-coverage car insurance from Shelter is $231 per month. Although Shelter Insurance has a lower monthly average for full-coverage policies, its liability-only policies are slightly higher than the national average.
Is Shelter Insurance good at paying claims?
Yes. Shelter Insurance has an A (Excellent) rating from AM Best. AM Best rates the financial status of insurance companies based on their position to pay claims. A++ (Superior) is the highest rating, so Shelter Insurance’s rating of A (Excellent) signifies its strength in paying claims.
What’s the grace period for Shelter Insurance?
The Shelter website doesn’t spell out its auto insurance grace period, but it does say most auto insurance companies have a grace period of up to 30 days.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Trustpilot. "Shelter Insurance."
- Better Business Bureau. "Shelter Insurance."
- Ambest.com. "AM Best Revises Issuer Credit Rating Outlook to Negative for Shelter Mutual Insurance Company and Its Subsidiaries."
- Shelter Insurance. "J.D. Power Ranks Shelter Insurance® #1 in Central Region for the Sixth Time."
- Naic.org. "Consumer Insurance Refined Search Results."
- III. "What determines the price of an auto insurance policy?."
- Shelter Insurance. "Discounts."
- Ambest.com. "AM Best Affirms Credit Ratings of Auto-Owners Insurance Company and Subsidiaries."
- Ambest.com. "AM Best Affirms Credit Ratings of Erie Insurance Group’s Members and Erie Family Life Insurance Company."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.