Shelter Insurance

Shelter Insurance - Car Insurance

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4.8 Rating

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Last Updated: January 2022
Click here for our full review of Shelter Insurance car insurance quotes, discounts, and coverages.



Composite Score
What is this?
J.D. Power Ratings by Region (out of 1000)
RegionRatingsState Average
Central855Among the best
Shelter Insurance Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
Trust Pilot
Trustpilot score: 3.0
TrustScore 3
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA


The largest discounts from Shelter Insurance are: Good Driver, Good Student, Passive Restraint

Carrier Discounts
Discount %
Discount Group
Discount TypeDiscount %
Good DriverVaries
Good StudentVaries
Passive RestraintVaries
Defensive DriverVaries
Multiple VehicleVaries
Multiple PolicyVaries
Companion PolicyVaries
Companion LifeVaries
Anti-Theft DeviceVaries
VIN EtchingVaries
Paid in fullVaries

Payment methods

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    Automatic Online Payment
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    Credit Card Payment
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    Debit Card Payments
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    Mail Payment
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    Multi-Payment Installment Plans
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    Online Payment
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    Person 2 Person Payment
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    Phone Payment
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Features and Services

Shelter's insurance agents are available to help policyholders file a claim 24 hours a day, 7 days a week over the phone, online, on the Shelter Insurance mobile app, or at one of Shelter’s claim offices. 

With an online or mobile app account, Shelter customers can make payments, file a claim, manage their policies, contact roadside assistance, access insurance ID cards, and contact their agent. 

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    24/7 service
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    Mobile app
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    Roadside assistance
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    Online account management

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

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    Rental Reimbursement
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    Roadside Assistance
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    Accidental Death, Dismemberment, Disability
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    Emergency Lockout Coverage
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    New Car Replacement Coverage
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    Loss of Use Coverage
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    Gap Insurance
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    Comprehensive Claim Forgiveness

Shelter Insurance Insurance Products

Home Insurance
Car Insurance
Motorcycle Insurance
Condo Insurance
Life Insurance
Flood Insurance
Umbrella Insurance
Farm Insurance
Business Insurance

FAQs - Shelter Insurance Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare Shelter Insurance to GEICO

Shelter Insurance vs GEICO

Company History

Shelter Insurance (previously called MFA Mutual Insurance Company) began operations in Missouri in 1946 and provides car, home, farm, life, business, flood, and umbrella insurance coverage. It is currently headquartered in Columbia, Missouri.  

Shelter Insurance is one of the top regional insurance companies in the United States, with more than 1,300 independent agents in 18 states, including Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.

How to cancel your Shelter Insurance Car Insurance Policy

You must submit a signed request to cancel your policy. You can file your request by mail or fax. To request the forms, call customer service at 800-743-5837.

Shelter Insurance Reviews

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
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Read reviews that mention

Never really had to call them they were cheap and easy to work with
They were OK
Great service and fast payment when my car was damaged when I hit a coyote
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
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.
Theyve always been understanding and good to me.
They’ve always been understanding and good to me.
Showing 1 - 10 out of 25 reviews

Shelter Insurance Car Insurance Information

Insurify Composite Score85
Number of discounts13
Number of reviews25
User Rating4.3
A.M. BestA


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.