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Shelter Insurance review 2024

Updated Jun 14, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.8
Rating: 3.8 stars out of 5
Bankrate Score
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Auto

Rating: 3.8 stars out of 5

3.8

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Cost & ratings

Rating: 3.7 stars out of 5

3.7

Coverage

Rating: 4 stars out of 5

4.0

Support

Rating: 3.8 stars out of 5

3.8

About Bankrate Score

Bankrate's take

Policyholders who value top-notch customer service over strong digital tools might consider Shelter Insurance as their company of choice — as long as they live in a state where Shelter does business.

  • No. 1 J.D. Power score for auto insurance customer satisfaction in Central region
  • Only available in 15 states
  • Uncommon coverage options and discounts for auto and home insurance
  • 8 types of life insurance policies, including life insurance for children
  • Low NAIC Complaint Index scores

New

What’s new with Shelter?

In September 2023, AM Best revised the outlook for Shelter’s long-term issuer credit ratings (ICRs) from stable to negative, indicating that the company’s ability to meet ongoing financial obligations has weakened. However, Shelter’s AM Best financial strength score — the measure of a carrier’s ability to pay out claims — is still A (Excellent), putting it in the same tier as many big-name national providers.

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Shelter car insurance review

Shelter Insurance is a regional insurance carrier with a 3.8 Bankrate Score for auto insurance. Limited third-party rankings put Shelter’s score a bit lower than some top-rated carriers, but the company could still be a solid choice for drivers in the 15 states that Shelter serves.

Customer service may be Shelter’s greatest advantage. In 2023, Shelter became the top-ranked insurer for customer satisfaction in the Central region of J.D. Power’s U.S. Auto Insurance Study for the third year running. Shelter’s coverage options are also more generous than many other insurers, with roadside assistance and new car replacement included in every policy. The company offers some uncommon optional coverage types, such as disability income coverage and loss of use coverage, which offers a one-time payout when your car’s in the shop following a claim.

Pros and cons of Shelter car insurance

It’s important to look at the big picture when shopping for car insurance quotes. If you’re considering Shelter car insurance but are unsure how it stacks up, consider these pros and cons.

Green circle with a checkmark inside

Pros

  • Ranked No. 1 for customer satisfaction in the Central region per J.D. Power
  • Robust coverage options
  • Roadside assistance and new car replacement included in all policies
Red circle with an X inside

Cons

  • Not available nationwide
  • High average rates for young drivers
  • No accident forgiveness
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Shelter car insurance cost

According to proprietary rate data from Quadrant Information Services, Shelter’s average annual premium for a full coverage policy is $2,159. Its rate for a minimum coverage policy is $600 per year, on average. Nationally, the average annual cost of car insurance for full and minimum coverage is $2,311 and $640, respectively.

How much is Shelter car insurance?

Car insurance companies consider several rating factors to determine your premium, and your driving history may be one of the most significant. Some types of driving activity can be weighed more heavily than others, as demonstrated in the tables below. Not all companies will offer a policy to a driver with a DUI on their record, so you may want to contact a local agent for more information regarding DUI premiums.

Good driver, good credit
Shelter full coverage premium
$2,159
National full coverage premium
$2,311
Shelter full coverage premium
$4,334
National full coverage premium
$4,261
Shelter full coverage premium
$2,258
National full coverage premium
$2,789
Shelter full coverage premium
$2,872
National full coverage premium
$3,299
Shelter full coverage premium
$2,735
National full coverage premium
$4,426
*All rates displayed are average annual rates.

Shelter car insurance quotes by age

Due to their inexperience behind the wheel and heightened accident risk, younger drivers typically pay the highest premiums. However, how much these drivers cost to insure will also be impacted by whether they are listed on their parents' policy or if they have a policy of their own. Note that drivers under 18 cannot legally sign a binding contract or have their own insurance policy.

Shelter full coverage premium
$2,624
National full coverage premium
$4,974
Shelter full coverage premium
$2,390
National full coverage premium
$4,280
Shelter full coverage premium
$4,834
National full coverage premium
$4,697
Shelter full coverage premium
$3,033
National full coverage premium
$2,930
Shelter full coverage premium
$2,664
National full coverage premium
$2,500
Shelter full coverage premium
$2,159
National full coverage premium
$2,311
Shelter full coverage premium
$1,751
National full coverage premium
$2,080
Shelter full coverage premium
$2,159
National full coverage premium
$2,311
Shelter full coverage premium
$1,751
National full coverage premium
$2,080
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare Shelter car insurance rates

Shelter may or may not be the cheapest car insurance company for some drivers in the regions it serves. But every insurer calculates premiums differently based on your unique profile, which means that comparing quotes is the only way to determine which carrier is cheapest for you. The table below shows average rates from Shelter and other auto insurance companies and may serve as a good starting point for your comparison shopping. However, your rates are likely to differ from those below based on your vehicle, driving record, age and more.

Company Avg. full coverage premium Avg. min coverage premium
$2,159
$600
$2,624
$827
$2,055
$649
$1,984
$552
$2,892
$861
$2,016
$561
$1,950
$702
$2,222
$748
$1,895
$494
$1,901
$719
$2,016
$561
$1,950
$702
$2,222
$748
$1,895
$494
$1,901
$719
*All rates displayed are average annual rates.

Shelter customer satisfaction

Affordable rates are important when looking for the best insurance company, but price isn’t the only consideration. In fact, some shoppers may value customer service above all else. Bankrate analyzed available third-party scores from J.D. Power and AM Best to shed light on Shelter’s customer satisfaction, digital tools and financial strength. Shelter ranked first in the Central region in the J.D. Power 2023 U.S. Auto Insurance Study for customer satisfaction. It also received an excellent rating from AM Best for financial strength. However, Shelter was not included in the J.D. Power 2024 U.S. Insurance Digital Experience Study.

Shelter auto claims satisfaction

Out of all the companies assessed, Shelter was number one in customer satisfaction for the Central region in the J.D. Power 2023 U.S. Auto Insurance Study for the third year in a row, scoring 10 points above the second-place insurer. This indicates that many of Shelter’s auto policyholders are satisfied with the level of service Shelter provides. The company also ranked above average for customer satisfaction in the 2023 U.S. Auto Claims Satisfaction Study.

J.D. Power Auto Claims Satisfaction Study

Shelter auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC), which tracks customer complaints for U.S. insurers, reported a 2023 complaint index of 0.27 for Shelter’s private passenger auto insurance product. This is well below the industry baseline of 1.00, meaning that Shelter receives fewer complaints than average based on its size.

Shelter car insurance discounts

If you’re wondering how to lower your car insurance premiums, Shelter advertises more than a dozen car insurance discounts on its website — some for new customers switching to Shelter and others for existing customers. To name a few, available discounts include:

  • Prior carrier tenure discount: Available to customers at the new business stage. You may earn a discount based on the tenure earned with your prior insurer when switching your auto insurance over to Shelter.
  • Pay in full discount: Paying your premium in full every six months or once a year could net you up to 10 percent in savings.
  • Bundling discounts: Certain policyholders who also have life or property insurance through Shelter could qualify for a discount on their policy.
  • Driver training course discount: In qualifying states, you could earn a discount if a listed driver under 21 years old completes a driver’s training course.
  • Loyalty discount: If you stay with Shelter for a certain number of years, you may begin to earn discounts when you renew your policy.
  • Accident prevention course discount: Taking an approved accident prevention course could earn you a discount if you’re the primary driver on your policy.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Shelter
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Shelter home insurance review

Home insurance from Shelter may be a good choice for homeowners looking for customizable coverage in the states it serves, especially if they already have an auto insurance policy through Shelter. While Shelter advertises a generous number of endorsements and discounts for its home insurance product, Bankrate’s insurance editorial team awarded it a Bankrate Score of 3.5 out of 5.0 possible points. Higher rates, limited availability and a lack of J.D. Power ratings contributed to Shelter’s home insurance score.

Pros and cons of Shelter homeowners insurance

The pros and cons below could help you better understand what you may expect from a Shelter homeowners policy when comparing quotes with other companies:

Green circle with a checkmark inside

Pros

  • Ample endorsement options
  • Several discounts are available
  • A (Excellent) financial strength rating per AM Best
Red circle with an X inside

Cons

  • Not available in every state
  • Customer service only available during business hours
  • Average rates are not available
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Shelter home insurance cost

The national average cost for homeowners insurance in 2024 is $2,230 per year. However, average rates for Shelter home insurance are unavailable. If you’re looking for the cheapest homeowners insurance company, experts recommend shopping around and gathering quotes from several insurers.

Shelter customer satisfaction

J.D. Power did not include Shelter’s homeowners insurance product line in its 2023 home insurance study or 2024 U.S. Property Claims Satisfaction Study. However, the company’s low level of NAIC complaints regarding its homeowners policies could mean that customer satisfaction is high.

Shelter home insurance customer complaints

Shelter has had a solid NAIC score for the past three years, which suggests that the level of service during customer interactions is consistently good.

Shelter home insurance discounts

Shelter advertises a few home insurance discounts to help you save on your premium. Shelter’s homeowners insurance discounts include:

  • Companion policy discount: You could earn a discount if you carry a Shelter auto insurance policy alongside your homeowners or renters policy.
  • Claim-free discount: Policyholders who go six consecutive years without a home insurance claim may be eligible for a discount on all subsequent policy renewals.
  • Heating system discount: If you heat your home with a system that doesn’t use solid fuel (wood or coal, for instance), you could get a discount.
  • New home discount: If your home is under construction, Shelter may give you a discount of up to 40 percent for one year. You could get additional savings if you complete construction and occupy your home in the following year.
  • Protective devices credit: You might save on your premiums if you install a smoke alarm, burglary alarm and deadbolts on your doors and windows.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Shelter

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Mortgage

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Shelter life insurance review

Shelter life insurance offers term life and permanent life insurance, as well as low-cost life insurance for children. The company provides three different options for term life insurance coverage depending on your age and insurance needs, and its permanent life insurance options include three types of whole life insurance and one type of universal life insurance. The company also offers several endorsements that could help you personalize your policy. If you’re looking for a life insurance provider with several policy options and life insurance for children, you may want to consider a quote from Shelter.

Pros and cons of Shelter life insurance

Here are some things you may want to consider when requesting a life insurance quote with Shelter:

Green circle with a checkmark inside

Pros

  • Several types of life insurance available
  • Numerous riders offered
  • Term life available without a medical exam
  • May qualify the auto policy for a companion discount
Red circle with an X inside

Cons

  • Lacks nationwide availability
  • Customer service is not available 24/7
  • No online quotes

Shelter life insurance riders

Policyholders have the option to add Shelter life insurance riders to their policies for personalized financial protection. While these riders may add to the cost of your life insurance, their benefits could outweigh the additional cost.

  • Waiver of premium rider: If you’re disabled for more than 180 consecutive days, your life insurance premium would be for the duration of the disability.
  • Accidental death benefit rider: If an accident causes a policyholder to pass away, the death benefit may be increased.
  • Guaranteed insurability rider: Allows policyholders to purchase additional coverage at certain times without undergoing a medical exam to prove good health.
  • Paid-up additional insurance rider: Allows the insured to purchase additional life insurance coverage while their premium is still being paid, as long as they prove they’re in good health.

Compare life insurance providers quickly and easily

See which provider is right for you.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare Shelter with other insurers

After considering points from our Shelter Insurance review, you may still be uncertain if this company is the right choice for you. To round out your insurance shopping experience, this list of car insurance providers may also be worth exploring in your research:

Badge 1 Featured

Shelter

Shelter
Rating: 3.8 stars out of 5
3.8
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Cost & ratings

Rating: 3.2 stars out of 5
3.2

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 4.2 stars out of 5
4.2

Electric

Electric
Not scored
Info

Encompass

Encompass
Rating: 3.6 stars out of 5
3.6
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Cost & ratings

Rating: 3.5 stars out of 5
3.5

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 3.5 stars out of 5
3.5
OVERVIEW
Info
If Shelter Insurance’s limited availability is an issue, you may want to check out Electric Insurance, which writes policies in all 50 states and Puerto Rico. Electric’s auto insurance coverage options are robust, and like Shelter, it also offers homeowners insurance.
Owned by Allstate, Encompass offers a staggering number of discounts. If you’re looking for ways to lower your premium, this could be a good company for you. Encompass also operates in 40 states and offers accident forgiveness, a perk that Shelter lacks.
STANDOUT FEATURES
Info
Badge 1
Sold to Plymouth Rock in 2024
Insurance
Three home insurance packages
Auto Car
Auto claims services
Automate
Bundling policy
Auto Car
Accident forgiveness available
Dollar Coin
Multiple discounts
AVG FULL COV. AUTO RATE
Info
$2,890 $2,632
J.D. POWER AUTO SCORE
Info
Not Scored Not Scored
AVG HOME RATE
Info
No rates available $2,618
J.D. POWER HOME SCORE
Info
Not Scored Not Scored
AM BEST RATING
Info
Not Scored A+(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Shelter insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Shelter a good insurance company?

While Shelter’s regional availability is limited and its rates may be above average for some customers, Shelter stands out from competitors for its positive customer experience indicators and its highly customizable coverage. Shelter policyholders seem to be generally happy with their experience based on customer satisfaction rankings, and the company offers a generous list of discounts that could offset higher rates for some people.

Bankrate’s insurance editorial team, which includes licensed agents with combined decades of industry experience, dedicates significant resources each year to conducting comprehensive reviews of insurance carriers to help guide our readers in choosing the best company to fit their personalized needs. Based on our Shelter Insurance review, Shelter could be a good insurance company for those living in its service area, depending on each shopper’s needs and priorities.

What are real-life customers saying about Shelter?

To get more nuanced insight into how actual Shelter policyholders would rate their provider, we examined forum responses, online reviews and social media posts by Shelter customers. Looking at posts on Reddit and TrustPilot, we saw mostly positive responses, with policyholders praising their low rates and reporting great experiences with Shelter’s customer service. The most common complaint we found about Shelter Insurance related to sudden rate increases with no clear reason.

Reddit

Reddit users discussed Shelter Insurance in a variety of forums, from regional forums to car-focused forums. In both places, we found a mix of positive and negative comments about Shelter’s coverage and rates.

Reddit User 1*
Apr 11, 2024
Best insurance in Indiana
“Shelter Insurance. Have had home and auto with them for 20 years and they still consistently come in with the best rates and deductibles.”
Reddit User 2*
May 25, 2024
Abrupt rate increase
“Holy cow. My 2020 Accord went from $436 in December, to $650 per six months insurance for June. Shelter insurance, which is usually cheaper than most of the named carriers. Seems like a ridiculous increase since I've had no tickets in the last 20 years. And never had an accident. I'm 66, so I'm wondering if it's my age as well as tornado damage hitting the Midwest this Spring?”

TrustPilot

Some Shelter policyholders reviewed their experience on TrustPilot, calling out strengths and weaknesses of the company. While negative reviews focused primarily on difficult claims or unresponsive customer service, other reviews praised the personal attention offered by Shelter’s customer service agents.

TrustPilot User 1*
Aug 22, 2022
Local offices
“I have had many auto and home insurance companies cover my stuff. After a bad experience with a difference homeowner insurance company I searched for another and found Shelter. They have been AMAZING! Local offices mean I receive personal attention. Very very happy with Shelter and I will never switch to another company.”
TrustPilot User 2*
Dec 1, 2023
They raised my rates without having filed a...
“They raised my rates without having filed a claim. I am a senior citizen and retired. I will definitely change insurance carriers in 6 months. However, the salesman was very responsive to me.”

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Shelter company details

Shelter offers policyholders several ways to contact customer service, starting with dedicated phone lines for general service, claims and roadside assistance. While claims service is 24/7, policy service is only available Monday through Saturday from 7 a.m. to 10 p.m. CST. You can also contact Shelter via email or set up a My Shelter account online.

  • Customer service: 1-800-743-5837 or 1-800-SHELTER
  • Claims: 1-800-743-5837
  • Roadside assistance: 1-855-817-6510
  • Website: shelterinsurance.com
  • Mailing address: 1817 W. Broadway, Columbia, MO 65218

State availability

Shelter Insurance offers products in 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma and Tennessee.

Shelter tools and benefits

When comparing quotes from different insurance companies, it can be helpful to look at a company’s perks to see if it stands out from the crowd. In Shelter’s case, it offers a wide range of coverage types and features, including:

  • Umbrella insurance: An umbrella policy can offer formidable liability protection above and beyond what you carry on your home and auto policies.
  • Farm insurance: Shelter offers policies that can protect your farm property, livestock, farm equipment and more through its suite of farm insurance.
  • Flood insurance: Shelter Insurance offers flood insurance written through the National Flood Insurance Program and Wright National Flood Insurance Services.
  • Mobile app: Not all regional carriers offer a mobile app, but Shelter does. With it, you can access your ID cards, view your agent’s contact information, schedule a payment and see your policy details.
  • Business insurance: From small business and general liability to commercial fire insurance, Shelter Insurance has additional policies and online tools that cover a large range of business insurance needs.
  • Life calculator: Shelter Insurance features a life calculator tool to help customers understand the correct life insurance type and coverage limit they may need.
  • Shelter Insurance Gardens: Policyholders in the Columbia, Missouri, area may want to visit the Shelter Insurance Gardens located at the company’s corporate headquarters. Among the garden’s many features, you will find more than 300 types of trees, a waterfall, a Vietnam veterans’ memorial, a garden for the blind and more.

Frequently asked questions about Shelter

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Written by
R.E. Hawley
Senior Writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license in the state of New York.
Edited by Editor, Insurance