Shelter Insurance vs USAA Car Insurance

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Ratings

Insurify Composite Score

Shelter Insurance
85
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Shelter Insurance VS USAA
85
96
What is this?
User Ratings
OptionsShelter Insurance USAA
Rating/Reviews
25 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsShelter Insurance USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsShelter Insurance USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionShelter Insurance USAA
California--894 pt
Among the best
Central855 pt
Among the best
906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionShelter Insurance USAA
Android
157 Reviews
98,577 Reviews
iOS
8 Reviews
3,600 Reviews
Financial Ratings
OptionsShelter Insurance USAA
A.M. BestAA++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityShelter Insurance USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityShelter Insurance USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityShelter Insurance USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityShelter Insurance USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityShelter Insurance USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityShelter Insurance USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityShelter Insurance USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityShelter Insurance USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityShelter Insurance USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityShelter Insurance USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityShelter Insurance USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityShelter Insurance USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityShelter Insurance USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeShelter Insurance USAA
Anti-Theft DeviceVariesUp to 20%
Companion LifeVaries--
Companion PolicyVaries--
Defensive DriverVariesVaries
Good DriverVariesUp to 10%
Good StudentVariesVaries
MilitaryVariesUp to 15%
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Paid in fullVaries--
Passive RestraintVariesUp to 15%
VIN EtchingVaries--
teenSMARTVariesVaries
Accident Forgiveness--Varies
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Loyalty--Varies
New Car--Varies
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeShelter Insurance USAA
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yes--
Prepayment
yes--

Features and Services

Features and ServicesShelter Insurance USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesShelter Insurance USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Loss of Use Coverage
yes--
New Car Replacement Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Online Quoting by State

  • Shelter Insurance
  • USAA
  • Both

Uber and Lyft driver insurance

  • Shelter Insurance
  • USAA
  • Both

Compare Insurance Products

ProductShelter Insurance USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insuranceyesyes
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Shelter Insurance Reviews
  • USAA Reviews
4.3
5 Stars
56 %
4 Stars
28 %
3 Stars
8 %
2 Stars
8 %

Most Positive Review

By Claude
The agent I had was always on top of things. If I had an issue I would call him and usually within 1/2 hour it was solved

Most Critical Review

By Douglas
To expensive

All Reviews

Showing 1 - 10 out of 25 Reviews
Sort by

Read reviews that mention

Stephanie
Stephanie
Never really had to call them they were cheap and easy to work with
ROBERT
They were OK
Jessica
Great service and fast payment when my car was damaged when I hit a coyote
Leonard
Being on a fixed income I am always looking to save money. With my driving record, I can not justify a rate increase every year. Leonard Walters
Melody
They are extremely expensive. I am 63 with a good driving record and I was paying way to much. My home insurance was way to high also.
Elias
Elias
Levyn
Theyve always been understanding and good to me.
Levyn
They’ve always been understanding and good to me.
Showing 1 - 10 out of 25 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.