Shelter Insurance Review 2022

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The Shelter Insurance Company started as a division of the Missouri Farmers Association in 1946. Shelter “divorced” from MFA in the Eighties to expand its life insurance policyholder base. By 2002, the company had over one million vehicles insured. Shelter Insurance reviews from customers praise the company for its easy online process and how efficiently Shelter insurance claims are handled.

Individuals in the states of Arkansas, Colorado, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma and Tennessee should consider Shelter auto insurance, as well as the other kinds of insurance the carrier offers.

Shelter car insurance

Shelter auto insurance covers both personal and business vehicles. The most common Shelter reviews from policyholders praise the company for adding perks to basic liability coverage, such as roadside assistance and new car replacement.

Types of coverage

  • Liability: Designed to meet a state’s minimum coverage and includes property damage and bodily injury. In addition, roadside assistance and new car replacement are included. If your car is less than one year old with fewer than 15,000 miles and is totaled, Shelter Insurance will replace it with a new one.
  • Collision: Optional coverage that pays for repairs or replaces your vehicle if it’s damaged or totaled in an accident.
  • Comprehensive: Expands on collision insurance by adding coverage for damage not caused by a crash, such as natural disasters and weather such as rain, hail or floods. It also covers theft, vandalism and fire.
  • Gap insurance: If your car is totaled, gap coverage will pay what you still owe if it’s more than the value of your car when it was declared a total loss.
  • Medical payments: Pays for medical, dental and funeral bills for yourself and your vehicle passengers.
  • Personal injury protection (PIP): Also known as no-fault coverage, PIP is mandatory in some states. It pays for your expenses while you take time off to recover.
  • Uninsured/underinsured motorist: Bodily injury and property damage insurance in case you’re hurt or your property is damaged by another party and they don’t have insurance (or not enough). UM/UIM steps in to pay for your claims if the at-fault driver is unable to.
  • Rental reimbursement: Pays for a rental vehicle while your insured car is repaired or replaced.
  • Accidental death: Pays a death benefit amount if you or your spouse dies in a vehicle accident.
  • Loss of use: A payment made to you if your car is in a shop after a loss.

Cost of Shelter car insurance

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

Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
$655 $2,199

Quadrant Information Services, 2020

There are many factors that affect the actual cost of your Shelter auto insurance. They include:

  • The minimum insurance requirements of your state
  • Type of vehicle
  • Age
  • Neighborhood
  • Driving history
  • Credit score


  • Safe driver: No accidents or tickets in the last three years means you’ll qualify for lower premiums.
  • Good student: Students who do better than average in school are eligible.
  • Pay in full: Get 10 percent off when you pay six months to a year in advance.
  • Multicar: Insure two or more vehicles and receive discounts on all. Nevada residents qualify for a multi coverage discount, which can include motorhomes and other recreational vehicles.
  • Companion policy: Also known as bundled or multiline insurance, you’ll save on your insurance if you carry several policies with Shelter, such as home and auto.
  • Companion life: Add life insurance to your bundled coverage for more savings.
  • Passive restraint: Discount for vehicles with airbags and automatic seatbelts
  • Accident prevention course: Learn to drive safer and defensively to earn a car insurance discount.
  • Military: Louisiana active military, their spouses and kids can receive a discount on vehicle coverage.
  • Anti-theft: Discounts for Kentucky and Illinois residents who fit their vehicles with security devices or equipment.
  • Window ID system: For Lousiana residents who have their vehicle identification number etched on their windows

Shelter home insurance

The Shelter Insurance Company provides homeowners with comprehensive coverage for all types of dwellings. Each type of home insurance coverage offered by Shelter is customized to meet your needs based on the type of dwelling.

Types of coverage

  • Homeowners: Comprehensive coverage for your home’s structure and your belongings.
  • Dwelling: Less comprehensive than homeowners insurance and designed for individuals who are not mandated by their mortgage company or lender to carry full homeowners insurance.
  • Condo: Besides coverage for your property, Shelter’s condo insurance pays for your share of any assessment levied to the condo owners for joint-area repairs.
  • Apartments owners: Designed for owners who rent their properties.
  • Mobile home: Insurance for mobile homes, contents and other elements such as anchors, tie-downs and underpinning.
  • Personal articles: For high-value items such as jewelry, art or collectibles not covered under a standard homeowners insurance policy.
  • Discounts

    • Companion policy: Bundle your home insurance with auto coverage for more savings.
    • Protective devices: Earn discounts for protecting your property with smoke or security alarms and deadbolt locks.
    • Claim-free: If you don’t file any claims against your policy for six years or more, you’ll get an automatic discount on your home policy.
    • New home: Get up to 40% off for up to a year while your home is under construction.
    • Heating system: Heating that does not use fuels such as coal or wood will qualify for premium reductions.

    Shelter life insurance

    Life insurance is one of the earliest types of coverages Shelter offered. Founded as MFA Life Insurance in 1959, the company reached $1 billion in volume by 1975.

    Types policies offered

    • Term: Affordable policies for set periods such as 10, 20 or 30 years.
    • Permanent: Life insurance with no expiration date that adds a cash value amount the policyholder can access.
    • Child: Known as Junior Special Insurance, it can be purchased for kids or grandkids 17 and under.

    Reasons why Shelter is a good option

    Shelter is a good option for individuals looking for value-driven insurance. Coverage includes benefits such as free roadside assistance for insured vehicles or the option to choose replacement or cash value, depending on the type of homeowners insurance coverage and state. Shelter provides a variety of insurance savings, including discounts on life insurance, which is rare among carriers. If you bundle home, vehicle and life insurance, you can maximize the level of savings you can earn.

    Shelter ratings, reviews, customer satisfaction and complaints

    Shelter Insurance reviews are largely positive.

    Shelter Insurance reviews
    J.D. Power Customer Satisfaction Study Auto: Number one with 858 out of 1,000 points in the Central region
    NAIC customer complaint index Property: 7.11 (above average)
    Life: 0.40 (below average)
    AM Best financial strength rating A

    Additional policies offered by Shelter

    • Umbrella insurance
    • Recreational vehicles and boats
    • Farm insurance
    • Flood
    • Business

    Frequently asked questions

    What do I need to get a quote from Shelter?

    You can get a quote online by providing basic details about yourself, your vehicle or home. Shelter Insurance will ask for personal details such as your residential address or zip code and details about the home or vehicle such as year constructed, or vehicle make or model.

    How do I file a claim with Shelter?

    To file a claim with Shelter Insurance, you can call 1-800-SHELTER or file online by logging into your account.


    Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

    These are sample rates and should be used for comparative purposes only. Your quotes may be different.

    Written by
    Cynthia Paez Bowman
    Personal Finance Contributor
    Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN,, and She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.