SHELTER INSURANCE: 2022 Reviews, Rates, and Coverages

Shelter insurance
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  1. Shelter Mutual Insurance Company
  2. Car Insurance Policy
    1. Coverage Types
  3. Shelter Car Insurance Costs
  4. Shelter Car Insurance Discounts
  5. Shelter Home Insurance Policy
    1. Coverage Types
  6. Discounts
  7. Shelter Life insurance Policy
    1. Policy Types Available
  8. What kind of Membership Discounts are Available through Shelter?
  9. General Shelter Insurance Coverage
  10. What other Auto Insurance Coverage alternatives are available with Shelter Insurance?
    1. What is the Shelter Driver Training Course discount?
    2. Is accident forgiveness available with Shelter Insurance?
  11. What is Shelter Mutual Insurance Rating?
    1. Is Shelter Insurance a provider of health insurance?
  12. Shelter Business Insurance Provides What Types of Coverage?
  13. What is Shelter Junior Special Life Insurance?
  14. Quotes for Shelter Insurance
  15. How much does a Shelter Car Insurance Quote Cost?
  16. State-by-State Auto Insurance Rates
  17. Auto Insurance Rates by Vehicle at Shelter
  18. Rates of Shelter Auto Insurance Based on Homeownership
  19. Contact Information for the Shelter Insurance
  20. State Farm vs. Shelter Mutual Insurance
  21. Ratings and Reviews for Shelter Mutual Insurance
  22. App Reviews for Shelter Insurance
  23. Is It Possible To Pay Shelter Insurance Online?
  24. Is Rental Car Coverage Part of Shelter Insurance?
    1. What is the Procedure For Canceling My Shelter Insurance?
    2. Shelter Mutual Insurance Has Been In Operation For How Long?
    3. Where is the Headquarters of Shelter Mutual Insurance?
  25. Additional Information about Shelter Insurance Company
  26. Which States Does Shelter Mutual Insurance Operate in?
  27. Shelter Insurance Company FAQ’s
  28. How much is Shelter Insurance Worth?
  29. What states are Shelter Insurance in?
  30. How many employees does Shelter Insurance have?
  31. How do I cancel my Shelter Insurance?
  32. Does Shelter Insurance cover rental cars?
    1. Related Articles

In 1946, the Shelter Mutual Insurance Company was founded as a branch of the Missouri Farmers Association. Shelter “divorced” from MFA in the 1980s in order to increase the number of life insurance policyholders. By 2002, the company had insured over a million vehicles. Customers’ Shelter Insurance policy and coverage reviews compliment the company for its simple online method and the speed with which Shelter insurance claims are handled.

Shelter Mutual Insurance Company

Shelter Mutual Insurance Company has gone a long way in its more than 70 years of operation. The insurance company was founded in 1946 to give low-cost auto coverage to Missouri people. Today, Shelter Insurance is proud to be one of the top regional insurance businesses in the country, serving customers in 18 states. The shelter provides a comprehensive selection of insurance products and payment alternatives, including coverage for your house, life, car, farm, and company, among other things. Shelter claims that its agents and other personnel have always worked to make insurance inexpensive. The shelter now employs over 1,300 qualified insurance brokers to assist consumers in selecting the appropriate coverage.

Car Insurance Policy

Shelter auto insurance covers both personal and commercial vehicles. The most typical Shelter reviews from customers commend the company for offering extras to basic liability coverage, including roadside assistance and new car replacement.

Coverage Types

  • Liability insurance: It is designed to meet a state’s minimum coverage requirements, and it covers both property damage and personal injury. Roadside assistance and new car replacement are also included. Shelter Insurance will replace your car with a new one if it is less than a year old and has less than 15,000 miles and is totaled.
  • Collision coverage: This is optional and pays for repairs or replacement of your vehicle if it is damaged or totaled in an accident.
  • Comprehensive insurance: This supplements collision insurance by providing coverage for damage that was not caused by an accident, such as natural disasters and weather, such as rain, hail, or floods. It also covers coverage for theft, vandalism, and fire.
  • Gap insurance: If your car is declared a total loss, gap coverage will pay what you still owe if it is greater than the worth of your car at the time it was declared a total loss.
  • Medical payments: Covers medical, dental, and burial expenses for you and your vehicle passengers.
  • Personal injury protection (PIP): This is often known as no-fault coverage, is required in several states. It covers your expenses while you rest and recover.
  • Uninsured/underinsured motorist insurance: This provides bodily injury and property damage coverage in the event that you are injured or your property is damaged by another party who does not have insurance (or not enough). If the at-fault driver is unable to pay your claims, UM/UIM will step in.
  • Rental reimbursement: Covers the cost of a rental car while your insured vehicle is being fixed or replaced.
  • Accidental death: Provides a death benefit if you or your spouse are killed in a vehicle accident.
  • Loss of use: A payment provided to you if your car is in the shop following a loss.

Shelter Car Insurance Costs

The average yearly cost of Shelter car insurance is $655 for the state-required minimum coverage and $2,199 for full coverage, which includes liability, collision, and comprehensive insurance.


Average Annual Premium for Minimum Coverage
Average Annual Premium for Full Coverage
$655$2,199
2020 Quadrant Information Services

There are numerous things that influence the cost of your Shelter auto insurance. They are as follows:

  • Your state’s minimal insurance requirements
  • Vehicle design
  • Age
  • Neighborhood
  • Driving record
  • credit rating

Shelter Car Insurance Discounts

  • Safe driver: If you haven’t had any accidents or citations in the last three years, you’ll qualify for cheaper premiums.
  • Good Student: Students that perform better than the average in school are eligible.
  • Pay in full: Save 10% when you pay six months to a year in advance.
  • Multicar insurance: Insure two or more vehicles and enjoy discounts on all of them. Nevada residents are eligible for a multi-policy discount, which can apply to motorhomes and other recreational vehicles.
  • Companion policy: Also known as packaged or multiline insurance, you can save money on insurance if you have multiple policies with Shelter, such as house and auto.
  • Companion life: For even more savings, add life insurance to your packaged coverage.
  • Passive restraint: A discount is available for vehicles equipped with airbags and automated seatbelts.
  • Accident prevention training: Learn to drive more safely and defensively in order to receive a car insurance discount.
  • Military: Active military personnel in Louisiana, as well as their wives and children, are eligible for a discount on vehicle coverage.
  • Anti-theft: Discounts for Kentucky and Illinois citizens who install security systems or equipment in their vehicles.
  • Window ID system: Available to residents of Louisiana who have their vehicle identification number inscribed on their windows.

Shelter Home Insurance Policy

The Shelter Insurance Company offers complete coverage for all types of dwellings to homeowners. Shelter’s home insurance coverage is tailored to your specific needs based on the type of property you own.

Coverage Types

  • Homeowners: Comprehensive coverage for the structure of your home as well as your belongings.
  • Dwelling insurance: This is less extensive than homeowners insurance and is intended for people who are not required by their mortgage company or lender to get complete homeowners insurance.
  • Condo: Shelter’s condo insurance covers your share of any assessment levied on condo owners for joint-area repairs, in addition to coverage for your property.
  • Apartment owners: Designed for property owners who rent out their apartments.
  • Mobile home insurance: This covers the structure, contents, and other components such as anchors, tie-downs, and underpinning.
  • Personal articles: Items of great value, such as jewelry, art, or collectibles, that are not covered by a conventional homeowners insurance policy.

Discounts

  • Companion policy: Save money by combining your home and auto insurance policies.
  • Protective devices: Receive discounts for installing smoke and security alarms, as well as deadbolt locks, to secure your property.
  • Claim-free: If you don’t submit any claims on your policy for six years or more, you’ll receive an automatic discount on your home insurance policy.
  • New home: Get up to 40% discount for up to a year while your home is being built.
  • Heating system: Heating systems that do not use fossil fuels such as coal or wood will qualify for premium discounts.

Shelter Life insurance Policy

Life insurance was one of the first types of coverage given by Shelter. Founded in 1959 as MFA Life Insurance, the company had surpassed $1 billion in volume by 1975.

Policy Types Available

  • Term: Policies that are affordable for a defined period of time, such as 10, 20, or 30 years.
  • Permanent: Life insurance that does not have an expiration date and accrues a cash value that the policyholder can access.
  • Child: Also known as Junior Special Insurance, it is available for children and grandchildren aged 17 and younger.

What kind of Membership Discounts are Available through Shelter?

  • Multi-car discount: If you have multiple vehicles insured under the same Shelter policy, you may be entitled for a discount.
  • Pay-in-whole discount: Shelter offers a 10% discount if you pay your six-month or annual policy in full rather than in monthly installments.
  • Multi-policy discount: If you have an auto insurance policy as well as homeowners or renters policy with Shelter, you may be eligible for what Shelter refers to as a companion policy discount.

General Shelter Insurance Coverage

Shelter car insurance includes personal injury and property damage liabilities, which are mandated by law in practically every state across the US. Policyholders receive Shelter’s roadside assistance and new-car replacement coverage for automobiles less than a year old or with fewer than 15,000 miles for no additional cost — both of which are normally charged separately.

Shelter Insurance provides its customers with several options for enhancing the coverage provided by a typical policy. Drivers can choose to include:

  • Shelter roadside assistance: This covers drivers up to $100 per event for flat tires, fuel assistance, lockout assistance, towing services, and other services.
  • Collision/comprehensive coverage: These are frequently combined. Accident coverage pays for repairs to your car after a collision, whereas comprehensive coverage covers theft, vandalism, and damage that isn’t the result of a collision.
  • Rental reimbursement: Covers the cost of hiring a car while your primary vehicle is being repaired following an accident.
  • Accidental death: Pays you, your spouse, or other family members if one of you is killed in a car accident.
  • Disability income coverage: Pays a weekly benefit for up to 12 months if you are disabled and unable to work as a result of an accident.
  • Gap insurance: Aids in the payment of the gap between the value of an outstanding auto loan and the amount you receive from a claim after your car is totaled.
  • Loss of use: Like rental reimbursement, this add-on offers you with a one-time payment while your car is being repaired.

What other Auto Insurance Coverage alternatives are available with Shelter Insurance?

  • Roadside Assistance: This is included with your Shelter insurance regular auto policy. Shelter Roadside Assistance is accessible 24 hours a day, seven days a week if you are locked out of your car, have a flat tire, or your car battery fails.
  • New Car Replacement: As part of its standard auto insurance policy, Shelter will replace your totaled vehicle if it has less than 15,000 miles on the odometer. Shelter will replace the car with a brand new vehicle of the same year, make, and model.
  • Rental Reimbursement: Rental Reimbursement is an optional coverage that compensates for the cost of hiring a reliable vehicle while your car is being repaired following an accident.

If you drive for a company like Uber or Lyft, this coverage covers you both on and off the job. It should be noted that this coverage is not provided in all states.

According to JD Power & Associates’ 2013 customer satisfaction study, Shelter had the third-highest level of satisfaction among policyholders in the Central Region, trailing only State Farm and Auto-Owners Insurance.

What is the Shelter Driver Training Course discount?

The Shelter provides a Driver Training Course discount, which can lower premiums if every driver under the age of 21 in the home has completed an approved driver’s education course.

Is accident forgiveness available with Shelter Insurance?

Accident forgiveness is not provided by Shelter Insurance.

What is Shelter Mutual Insurance Rating?

J.D. Power ranks Shelter Mutual Insurance as the “Highest in Customer Satisfaction Among Auto Insurers in the Central Region” in 2019. Since 2000, the company has been a Better Business Bureau accredited business with an A+ rating. It also has an A rating from A.M. Best.

Is Shelter Insurance a provider of health insurance?

Shelter Insurance does not provide health insurance. However, the company provides a diverse range of items.

Shelter Business Insurance Provides What Types of Coverage?

Shelter Business Owners Insurance provides the following coverage options:

  • Coverage for Structures
  • Structures Not Mentioned
  • Personal belongings
  • Individual Liability
  • Medical Billing

Other coverage options include debris removal, off-premise coverage, trees, shrubs, plants, extra expense coverage, personal effects, accounts receivable, valuable papers and records, fire extinguisher recharge, transportation, elevator collision, fire department charges, emergency removal, seasonal automatic increases, theft damages to buildings, personal property of others in your care, personal injury, and personal injury.

Read Also: DAIRYLAND INSURANCE 2022 REVIEWS & COVERAGES

What is Shelter Junior Special Life Insurance?

Junior Special Life Insurance ensures that your child will be able to obtain coverage as an adult, even if they acquire health issues beyond childhood. This sort of insurance covers the following: With a one-time premium payment, you can get up to $20,000 in coverage until the age of 26. Coverage for children or grandkids under the age of 17. Conversion of coverage at the age of 25 to a permanent life insurance policy with a face value of up to five times the original face value.

Quotes for Shelter Insurance

Shelter car insurance is an affordable choice for many drivers, including those with a history of accidents.

We received estimates for both minimum- and full-coverage car insurance and discovered that Shelter Insurance was still a reasonable insurer in both circumstances. Shelter’s annual charges were only $200 higher when compared to numerous cheaper, larger organizations.

If you have an accident on your record, Shelter Insurance Co. may be able to provide you with low-cost coverage. While some firms raised their premiums dramatically following an accident, Shelter’s cost was lower than the industry average.

How much does a Shelter Car Insurance Quote Cost?


Insurance provider
Minimum coverageFull coverageFull coverage with one accident
State Farm$259$691$804
American Family$333$878$1,423
Progressive$360$1,376$2,347
Shelter$390$1,075$1,348
Geico$535$1,603$2,515
Rates are sorted by the cost of the bare minimum of coverage.

State-by-State Auto Insurance Rates

The average rates that drivers commonly pay with Shelter are listed below. Shelter charges an average monthly fee of $213.81. Arkansas has the lowest state average at $143.02 per month, followed by $163.91 per month. Kentucky has the highest monthly average cost, at $289.60.

Auto Insurance Rates by Vehicle at Shelter

Drivers who insure numerous vehicles often receive a discount. Here is a list of the average prices charged by Shelter for drivers who have more than one vehicle.


Number of Vehicles
Avg Monthly Rate
1 Vehicle$197.45
2 Vehicles$271.06
3 Vehicles$366.42
Read Also: AUTO-OWNERS INSURANCE: Reviews and Cost Comparisons (Updated!)

Rates of Shelter Auto Insurance Based on Homeownership

Customers who own their home rather than rent it may occasionally be eligible for a minor discount. Shelter charges an average of $203.26 per month for drivers who own their house and $218.51 per month for those who rent.

Own/RentAvg Monthly Rate
Own$203.26
Rent$218.51

Contact Information for the Shelter Insurance

Address1817 West Broadway – Columbia, MO 65218
Phone1-800-743-5837
Websitehttps://www.shelterinsurance.com/
Facebookhttps://www.facebook.com/ShelterInsurance/
Twitterhttps://twitter.com/Shelter_ins/
Linkedinhttps://www.linkedin.com/company/shelter-insurance-companies/
Youtubehttps://www.youtube.com/user/ShelterIns
Instagramhttps://www.instagram.com/shelter_ins/
Pinteresthttps://www.pinterest.com/shelterins/
Vimeohttps://vimeo.com/user48805731

State Farm vs. Shelter Mutual Insurance

Shelter car insurance is more expensive than State Farm car insurance at all levels of coverage, including for drivers who have been in an accident. While Shelter provides more options for drivers to save money through its numerous discounts, those who do not qualify for several premium reductions would certainly favor State Farm over Shelter.

Shelter Mutual Insurance, on the other hand, provides a broader range of additional coverage alternatives than State Farm. Indeed, because State Farm does not provide gap insurance, customers who financed their vehicles — or who want additional possibilities to tailor their plans — may find more comprehensive coverage with Shelter.

Ratings and Reviews for Shelter Mutual Insurance

In comparison to its competition, Shelter Insurance provides above-average customer service. According to the National Association of Insurance Commissioners, the insurance company receives fewer complaints about its service than expected. The majority of customer complaints addressed at Shelter originated from insufficient claim payouts and service delays.

Shelter Insurance is one of J.D. Power’s most highly rated corporations in the United States’ central region, where Shelter does the majority of its business. Shelter performed better in this survey than larger, more well-known carriers such as Progressive and State Farm.

App Reviews for Shelter Insurance

Shelter Insurance Mobile, the insurer’s app, might make paying fees, maintaining a policy, and filing claims easier for many consumers. In the event of an emergency, the app also provides a rapid means to call Shelter roadside help. However, it has received negative feedback on both Google and Apple platforms.

PlatformRating
Google Play2.5 stars (273 reviews)
Apple App Store2 stars (61 reviews)

Is It Possible To Pay Shelter Insurance Online?

Your Shelter Insurance bills can be paid online through your My Shelter account. The shelter accepts a variety of online payment methods, including credit cards, debit cards, and checking accounts. On Shelter’s website, you can access your My Shelter account.

Is Rental Car Coverage Part of Shelter Insurance?

Your Shelter Insurance policy’s liability coverage may cover your rental car while on a trip. Check your policy for exceptions, although coverage is normally available if the following conditions are met:

  • If you do not own the car, nor does anyone else in your household.
  • You and the rental car company have a formal agreement.
  • You do not rent the car for more than 30 days.

The shelter also provides optional collision and comprehensive insurance coverage.

What is the Procedure For Canceling My Shelter Insurance?

You must contact your agent or Shelter Insurance directly to terminate your Shelter Insurance policy. You can reach Shelter by dialing 1-800-SHELTER (1-800-743-5837).

Shelter Mutual Insurance Has Been In Operation For How Long?

Shelter Insurance was founded in 1946 to provide car insurance to Missouri residents. It has been in business for more than 70 years and has grown to offer insurance in 18 states for your house, life, car, farm, business, and more.

Where is the Headquarters of Shelter Mutual Insurance?

Shelter Insurance’s headquarters are in Columbia, Missouri.

Additional Information about Shelter Insurance Company

Shelter’s website enables customers to obtain an insurance quote or locate an agent in order to learn more about a Shelter Insurance policy. Current Shelter policyholders can also manage their accounts online using the website.

The shelter provides a mobile app through which policyholders can view their policies and obtain ID cards. In addition, Shelter users may use the mobile app to pay their fees, register a claim, and get roadside assistance. All of Shelter’s automobile insurance products feature free 24-hour roadside assistance. Road America provides roadside assistance to Shelter.

Before making any final judgments regarding your insurance company, it is critical to understand everything you can about your local insurance providers and the coverages they give. Call your local insurance agent to answer any queries you may have. “What is the best coverage plan for me/my family/my situation?” is one question to ponder. “What are my state’s minimum coverage requirements, and what type of coverage do you recommend?” “Do you provide any package discounts if I get both my auto and home insurance from you?” And “What is the typical cost of insurance quotations that you provide?”

Which States Does Shelter Mutual Insurance Operate in?

The Shelter Mutual Insurance Company provides car and motorbike insurance in 15 states, as well as homeowners and renters insurance in 14 states.

Shelter Insurance Company FAQ’s

How much is Shelter Insurance Worth?

Shelter Life’s insurance in force has increased from $8.5 billion 20 years ago to $27.5 billion now.

What states are Shelter Insurance in?

The Shelter Insurance® products are sold by agents in 15 states— Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.

How many employees does Shelter Insurance have?

Shelter Insurance employs 4,200 people and is ranked 16th out of the top ten competitors.

How do I cancel my Shelter Insurance?

To cancel your policy, contact your agent or 1-800-SHELTER (1-800-743-5837).

Does Shelter Insurance cover rental cars?

Yes, Shelter Insurance provides rental reimbursement, which covers the cost of obtaining dependable transportation while your car is being repaired following an accident. It may be applicable in the case of theft.

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