Editor's Rating

Shelter Insurance brings affordable rates and practical auto coverage to drivers, with quotes that are typically cheaper than average for both minimum- and full-coverage policies. For full coverage, the rates at Shelter Insurance are cheaper than those of many larger companies.

Policyholders won't exchange affordability for poor customer service with the insurer. Instead, Shelter Insurance is generally well-regarded by its customers and receives few complaints compared to the average. You can get help in person or use Shelter's app to pay your insurance premium, make claims and manage your policy.

Good for
  • Getting affordable car insurance
  • Adding extra features to a standard policy
Bad for
  • Finding car insurance coverage nationwide

One of the main drawbacks of Shelter is that it is not available nationwide, offering coverage in 15 states:

  • Arkansas
  • Colorado
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • Ohio
  • Oklahoma
  • Tennessee
Shelter claims phone number: 800-743-5837

Shelter auto insurance

Shelter car insurance quote comparison

Shelter car insurance is an affordable option for many drivers, even those who have an accident on their record.

We obtained rates for minimum- and full-coverage car insurance and found that Shelter Insurance remained an affordable insurer in both cases. Even compared to several cheaper, larger companies, Shelter's annual rates were only $200 more.

You may even find cheap coverage with Shelter Insurance Co. if you have an accident on your record. While other companies raised rates significantly after an accident, Shelter's cost was below average.

A bar graph showing the cost of Shelter Insurance

How much is a Shelter car insurance quote?

Insurance provider
Minimum coverage
Full coverage
Full coverage with one accident
State Farm$259$691$804
American Family$333$878$1,423

Rates are ordered by the cost of minimum coverage.

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Shelter Insurance vs. State Farm

Car insurance from Shelter costs more than car insurance from State Farm for all levels of coverage, including for drivers with an accident. While Shelter offers drivers more opportunities to save money through its many discounts, those who don't qualify for multiple premium reductions will likely prefer State Farm over Shelter.

However, Shelter Insurance offers a longer list of additional coverage options than State Farm does. In fact, since State Farm doesn't offer a gap insurance option, drivers who financed their cars — or who want more ways to customize their policies — may find more complete coverage with Shelter.

Discounts available at Shelter Insurance for car insurance

There are many ways to save money with Shelter Insurance Co., especially for people who carry more than one form of coverage with the insurer. People who meet the requirements for more than one discount may be able to capitalize on Shelter's affordable rates to get cheap auto insurance.

Policyholders can save with Shelter by:

  • Remaining accident- and violation-free for at least three consecutive years
  • Maintaining high grades in school (as long as they're under 25 years old and unmarried)
  • Paying premiums in full every six months or annually
  • Insuring more than one car with Shelter
  • Being at least 48 years old and having a Shelter home insurance policy with their auto coverage
  • Carrying Shelter life insurance coverage with their auto policy
  • Owning a car with enhanced safety features
  • Completing an accident-prevention course

Shelter car insurance coverage

Shelter car insurance comes with bodily injury and property damage liability, which are required by law in nearly every state in the country. For no additional cost, policyholders get Shelter's roadside assistance and new-car replacement coverage for cars less than a year old or with fewer than 15,000 miles — both of which typically carry a separate fee.

Shelter roadside assistance covers drivers for up to $100 per incident, including flat tires, fuel assistance, lockout help, towing services and more.

Shelter Insurance gives its customers multiple ways to upgrade the protections that a standard policy contains. Drivers have the choice of adding:

Collision/comprehensive coverage: These are typically paired together. Collision coverage pays to repair your car after a crash, while comprehensive coverage applies to theft, vandalism or damage that's not caused by a collision.

Rental reimbursement: Pays for the cost of renting a car while your primary vehicle is in the shop after an accident.

Accidental death: Pays you, your spouse or other members of your family if one of you dies in a car accident.

Disability income coverage: Provides a weekly payment for up to 12 months if you're left disabled and unable to work after an accident.

Gap insurance: Helps you pay the difference between the value of an outstanding auto loan and the amount you receive from a claim after your car is totaled.

Loss of use: Similar to rental reimbursement, this add-on provides you with a one-time payment while your car is in the shop.

Shelter home insurance

Shelter homeowners insurance quote comparison

Shelter has cheap home insurance rates and offers a wide range of coverage options and add-ons to customize your policy.

If you are looking for affordable rates and good general coverage, Shelter Insurance could be a good fit for you. Shelter is available in 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma and Tennessee.

Shelter has the cheapest rates for home insurance of the companies that we surveyed, with its rates averaging around $120 per month. Along with low rates, Shelter has a wide range of coverage options available and discount options to help you save on your monthly bill.

Shelter Homeowners Insurance Rates vs Competitors

Find Cheap Homeowners Insurance Quotes in Your Area

Currently insured?
Annual rate
State Farm$1,710

Shelter home insurance discounts

Shelter offers fairly limited discount options for homeowners, but it does have a few standard discounts:

  • Multi Policy bundling discount: Get a discount when you bundle your home insurance with another Shelter policy, like car insurance.
  • Claim-free discount: You'll get cheaper rates after remaining claim-free for six years.
  • New home discount: Homes under construction are eligible for a discount of up to 40% for one year. Homes built and occupied within a year also qualify for a discount.
  • Safety protective device credit: Credits are available for homes that have certain security features, such as an alarm system or at least one smoke alarm on each floor of the building.

Shelter homeowners insurance coverage

Shelter offers standard homeowners insurance coverage with all policies including dwelling coverage, personal liability and personal property.

Shelter includes some extra coverage with standard home policies, like coverage for additional living expenses in case you need to evacuate your home.

Shelter also offers some add-ons for an additional cost to enhance your policy, including:

  • Water backup coverage: Pays for water damage due to a sewer, drain or sump pump backup.
  • Service line coverage: Covers the cost to repair or replace exterior underground water and sewer piping, electrical service lines and data lines if they fail or break.
  • Earthquake damage: Pays for damage to your home and property after an earthquake.
  • Business protection: Covers loss for certain home businesses on your property.
  • Farm protection: Covers certain farming activities and loss on your property.
  • Docks and piers coverage: Covers the cost of damage to your docks and piers in the case of a covered event.
  • Watercraft activity protection: Pays for medical bills and liability costs for certain watercraft activities.

Shelter Insurance ratings and reviews

Shelter Insurance has above-average customer service compared to its competitors. The insurance company gets fewer complaints about its service than expected, according to the National Association of Insurance Commissioners. Most of the customer dissatisfaction directed at Shelter stemmed from insufficient claim settlements and service delays.

J.D. Power includes Shelter Insurance among its most highly rated companies in the U.S.'s central region, where Shelter does most of its business. In this survey, Shelter placed better than larger, more well-known providers like Progressive and State Farm.

Reviews for the Shelter Insurance app

Shelter Insurance Mobile, the insurer's app, could make the experiences of paying bills, managing a policy and making claims more convenient for many policyholders. The app is also a quick way to contact Shelter roadside assistance in the event of an emergency. However, its reviews on both Google and Apple platforms are lackluster.

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

Frequently asked questions

What is the Shelter roadside assistance phone number?

Shelter's roadside assistance phone number is 855-817-6510. You can also use Shelter's mobile app to contact roadside assistance.

Where is the closest Shelter Insurance office near me?

Shelter's website connects you to an agent near you after you select your state of residence.


For auto insurance rates, ValuePenguin compared rates for minimum- and full-coverage car insurance for a 30-year-old male driver with a 2015 Honda Civic EX. We also checked how the rates of our driver changed after he experienced one accident.

For home insurance rates, ValuePenguin found rates for a 30-year-old male homeowner purchasing coverage for a $157,200 home in Missouri. This represents the median home value in Missouri according to the latest U.S. Census data.

The rates in this study come from Missouri, where Shelter Insurance is among the largest insurance companies.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.