Shelter Auto Insurance Review [2024]

Shelter is a good option for car insurance because it offers a wide variety of endorsements and discounts, plus you get free roadside assistance coverage. These discounts can help you save big on your auto insurance policy. The average cost of Shelter auto insurance is $88 per month, however your driving history plays a big role when determining your car insurance rates.

If you have a clean driving record, you will pay less, but your rates will be significantly higher if you have a high number of serious infractions. If you are interested in purchasing an additional Shelter insurance policy, you may be able to earn a discount on your auto insurance policy. Learn how to find the best auto insurance rates. 

What You Should Know About Shelter Insurance

Shelter Insurance, which is headquartered in Missouri, was founded in 1946 as its own division of the Missouri Farmers Association (MFA). Currently, it offers a diverse suite of insurance products, including life, home, and auto insurance, which are only available in 15 states. 

Between its wide variety of auto insurance coverage options, discounts, and a high A.M. Best rating of an A, Shelter Insurance is a strong competitor amongst other auto insurance companies operating in the same market. Depending on where your location and your insurance needs, Shelter Insurance may be a good fit for you. 

My Shelter Mobile App

My Shelter, Shelter’s mobile app, allows policyholders to quickly and conveniently manage their Shelter auto insurance policies from their phones. 

• View auto insurance policy information and ID cards
• Request roadside assistance
• Contact your local agent
• View payment schedule

The My Shelter mobile app is available to all policyholders who are iPhone and Android users. 

Contacting Shelter

Shelter Insurance can be connected in the following ways. 

• By phone at 1-800-743-5837 or 1-855-817-6510 for roadside assistance.
• By email using the online form. 
• By mail at 1817 W. Broadway, Columbia, MO 65218.

Customers also have the option to contact a local Shelter agent using the online tool.

Getting a Shelter Auto Insurance Quote

Shelter Insurance allows new customers to request an auto insurance quote online or over the phone. Note that to complete the purchase of an insurance policy, customers must work with a Shelter agent. After a customer provides the necessary information online, their quote will be forwarded to a Shelter agent, who will reach out to assist with completing the purchase. 

Filing a Claim with Shelter

To file an auto insurance claim with Shelter, policyholders can contact customer service at 1-800-743-5837 or online. 

Here’s how the Shelter Insurance claims process works. 

1. File your auto insurance claim. Contact Shelter to file your auto insurance claim. 
2. The claim is reviewed. Your assigned claims adjuster reviews your claim and your coverage and determines the cost of damages. 
3. The repair estimate is evaluated. Your claims adjuster reviews the repair estimate. Policyholders who obtained their own estimates can submit the estimate, as well as receipts for expenses they wish to have reimbursed. 
4. The claim is closed. Once the claim is settled, it will be closed by Shelter Insurance. 

If you need to provide Shelter Insurance with any claims-related documents, they can be mailed to Shelter Insurance-Claims, P.O. Box 6008, Columbia, MO 65205. You can also contact a claims office, which can be located using the online tool available on Shelter’s website. 

Customer Complaint Ratio

Shelter has received high marks for customer satisfaction. Shelter insurance’s A.M. Best rating of A, as well as the #1 ranking on the J.D. Power Customer Satisfaction Survey in 2021 and 2022, indicate that Shelter continues to meet its obligations to its customers. According to the NAIC, Shelter Insurance has also received less than the average number of complaints. It received a lower-than-average score of 0.71 on the NAIC Complaint Index. 

Other Insurance From Shelter

Shelter Insurance offers the following additional insurance products: 

• ATV insurance
• Boat insurance
• Business insurance
• Farm insurance
• Flood insurance
• Motorcycle insurance
• Personal articles insurance
• Renters insurance
• RV insurance
• Umbrella insurance

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Shelter Insurance Insurance Coverage Options

Here are Shelter’s standard auto insurance coverage options:

• Liability insurance coverage: Pays for property damage and bodily injury expenses for all individuals involved in the accident other than the at-fault driver.
• Comprehensive auto insurance: Pays for property damage resulting from fire, theft, vandalism, extreme weather, or a collision with an animal. 
• Collision: Pays for property damage resulting from a collision with another vehicle or object. 
• Medical payments: Pays for medical expenses and funeral costs for individuals injured in an accident. 
• Personal injury protection insurance coverage Covers various expenses for individuals injured in an accident, including medical expenses, lost wages, funeral costs, and other services the injured party was responsible for before the accident. 
• Other coverage: Bodily injury pays for medical expenses resulting from an accident with an uninsured or underinsured motorist, while property damage pays for property damage resulting from an accident with an uninsured motorist. 

Shelter Insurance offers the following optional auto insurance coverages: 

• New car replacement: Covers the cost of a new vehicle of the same make, model, and year after your vehicle was damaged in an accident.
• Disability income coverage: Pays out a weekly stipend to individuals who cannot return to work after being injured in a car accident. 
• Accidental death coverage: Pays out if you or your spouse dies in a car crash. Additional family members can be added to this coverage.
• Gap insurance: Covers the difference between the value of your vehicle and the remaining loan balance if your vehicle is totaled in an accident. Learn which auto insurance companies offer Gap insurance.
• Loss of use: Provides drivers with a single payment when their vehicle is in the shop being repaired.
• Roadside assistance: Pays for roadside emergency services, including fuel delivery, lockout, towing, or battery jump-start, up to $100. Learn which auto insurance companies offer the best roadside assistance.

Although most optional coverages can be added to your auto insurance policy for a fee, new car replacement is included for all Shelter policyholders with a new vehicle, which is considered to be a vehicle less than one-year-old with less than 15,000 miles. 

Does Shelter offer usage-based auto insurance or pay-per-mile auto insurance?

No, Shelter does not offer usage-based insurance or pay-per-mile insurance. If you don’t drive often, you should consider an auto insurance provider that offers pay-per-mile or low-mileage insurance. Find the best auto insurance companies for people who don’t drive often.

Does Shelter offer rideshare insurance?

Shelter directs any drivers who are employed by a rideshare company to contact their local agent to confirm if they are covered and what coverages are available. 

Shelter Insurance Insurance Rates Breakdown

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

Here’s what drivers can expect to pay for Shelter insurance rates:

Shelter Average Monthly Full Coverage Auto Insurance Rates

When calculating the cost of insurance, several factors are taken into account by insurance companies. Rating systems vary, but typically insurance companies use age, gender, driving record, vehicle type, annual mileage, location, and credit score. With so many variable impacting rates, drivers will see varying premiums between different auto insurance companies. 

Shelter Insurance Discounts Available

Shelter Insurance offers customers many discounts that can lower their auto insurance premiums. 

Here are Shelter’s auto insurance discounts:

• Safe driver discount: Available to drivers who have gone free of accidents or violations for three years.
• Good student discount: Available to high school and college students with good grades. 
• Pay in full discount: Available to drivers who pay their premiums in one full payment semi-annually or annually.  
• Multi-car discount: Available to drivers with more than one vehicle insured by Shelter Insurance. 
• Companion policy discount: Available to drivers 48 years old or older with both Shelter auto insurance and property insurance. 
• Companion life discount: Available to drivers with both Shelter auto insurance, life insurance, and property insurance.  
• Passive restraint discount: Available to drivers with passive restraints that meet federal safety standards. 
• Accident prevention course discount: Available to primary drivers who complete an accident prevention course. 
• Military discount: Available to active-military service members stationed in Louisiana. 
• Anti-theft discount: Available to Kentucky and Illinois residents with vehicles equipped with anti-theft items, such as alarms, fuel cutoffs, and steering wheel locks. 
• Window identification system discount: Available to Louisiana Residents with vehicles displaying the VIN in every window. 
• Multi-coverage discount: Available to Nevada residents with two motor vehicles, motorcycles, or motor homes are insured with Shelter. 
• Driver training course discount: Available to drivers under 21 years old who have completed a driver’s education program. 

You can speak with your Shelter insurance agent about which discounts you qualify for and confirm the potential cost of your Shelter auto insurance policy once the discounts are applied to your premium. 

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How Shelter Insurance Ranks Among Providers

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