Shelter Car Insurance Review for 2025 [See Rates & Discounts Here]
Our Shelter car insurance review compares dependable coverage at competitive rates, starting at $86/month for coverage. Shelter offers cheap high-risk insurance to teens and drivers with DUIs or accidents. Shelter car insurance customer service reviews also show fewer complaints than other companies.
Read more
Secured with SHA-256 Encryption
Table of Contents
Table of Contents
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Ty Stewart
Updated March 2025
This Shelter car insurance review breaks down the different types of car insurance coverage it offers, including new car replacements.
Monthly Shelter car insurance rates start at $86 for minimum coverage, and it has affordable coverage for teens, seniors, and high-risk drivers with accidents.
Shelter Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 3.7 |
| Business Reviews | 3.0 |
| Claims Processing | 3.5 |
| Company Reputation | 4.0 |
| Coverage Availability | 4.1 |
| Coverage Value | 3.4 |
| Customer Satisfaction | 2.1 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.1 |
| Plan Personalization | 4.0 |
| Policy Options | 3.1 |
| Savings Potential | 4.4 |
Shelter Mutual Insurance Company also earns accolades for customer satisfaction. Keep reading for customer service reviews and business ratings.
Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.
- Shelter car insurance rates start at $86 per month for minimum coverage
- Save up to 18% with Shelter’s safe driver and multi-policy discounts
- Shelter Insurance offers new car replacement and accident forgiveness
Competitive Shelter Insurance Rates
Shelter auto insurance rates vary by driver age and coverage level. Minimum insurance is the cheapest, with older drivers getting lower rates as they gain more experience behind the wheel.
Shelter Car Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $321 | $507 |
| Age: 16 Male | $353 | $542 |
| Age: 18 Female | $289 | $472 |
| Age: 18 Male | $319 | $510 |
| Age: 25 Female | $176 | $296 |
| Age: 25 Male | $191 | $324 |
| Age: 30 Female | $147 | $250 |
| Age: 30 Male | $159 | $272 |
| Age: 45 Female | $126 | $230 |
| Age: 45 Male | $135 | $242 |
| Age: 60 Female | $114 | $215 |
| Age: 60 Male | $119 | $225 |
| Age: 65 Female | $110 | $210 |
| Age: 65 Male | $116 | $220 |
For example, a 25-year-old woman will pay about $176 monthly for minimum coverage and $296 per month for full coverage. More mature drivers tend to have a lower rate, such as Shelter’s $114 per month for minimum and $215 monthly for full coverage for a 60-year-old driver. These prices reflect factors that affect the cost of car insurance, such as age and driving history. Shelter’s competitive pricing makes it a solid choice for various drivers.
Shelter Insurance offers rates that hold firm against the competition. When you compare Shelter Insurance vs. State Farm and American Family, it brings affordable coverage to teens at around $275 per month. Older drivers will also find Shelter car insurance cheaper than popular companies like Farmers and Allstate.
Shelter Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $285 | $320 | $160 | $170 | $130 | $140 | $92 | $98 |
 | $280 | $315 | $155 | $165 | $125 | $135 | $94 | $99 |
 | $290 | $325 | $165 | $175 | $135 | $145 | $93 | $99 |
 | $260 | $295 | $145 | $155 | $115 | $125 | $85 | $90 |
 | $275 | $310 | $150 | $160 | $120 | $130 | $90 | $95 |
 | $265 | $300 | $148 | $158 | $118 | $128 | $86 | $92 |
 | $270 | $305 | $150 | $160 | $120 | $130 | $88 | $93 |
 | $275 | $310 | $150 | $160 | $120 | $130 | $90 | $95 |
 | $280 | $315 | $155 | $165 | $125 | $135 | $95 | $100 |
 | $295 | $330 | $162 | $172 | $132 | $142 | $96 | $101 |
This consistency in pricing shows that Shelter car insurance costs remain competitive across various age groups, offering a strong alternative without sacrificing the quality of coverage.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Shelter Insurance Rates Tailored to Your Driving Record
Drivers with clean records pay the lowest premium — $33 a month for minimum coverage, but Shelter Insurance fees by driving history are still competitive. Minimum coverage for infringements like an at-fault accident or a DUI would adjust to $49 and $51 monthly with Shelter, compared to all other insurance companies, which may charge them hundreds or even thousands of dollars more for the same driving history.
Shelter Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $185 | $210 | $270 |
| $155 | $180 | $205 | $260 |
| $165 | $190 | $215 | $275 |
| $140 | $165 | $190 | $240 |
| $150 | $175 | $200 | $250 |
| $145 | $170 | $195 | $245 |
| $145 | $170 | $195 | $245 |
| $150 | $175 | $200 | $250 |
| $155 | $180 | $205 | $260 |
| $160 | $185 | $210 | $265 |
If you’ve got a ticket, expect to pay $175 monthly, which mirrors the costs at Nationwide and Progressive. After an accident, Shelter’s $200 rate continues to match that of Liberty Mutual, providing a reasonable option amidst slight increases across the board. Even with a DUI, Shelter’s $250 rate stays competitive — lower than Allstate’s $270 but slightly higher than Geico’s $240.
Experiencing Shelter Insurance firsthand showed me their commitment to service, especially when they seamlessly handled my claim after a minor accident, making the process stress-free and efficient.Rachel Bodine Insurance Feature Writer
Shelter Insurance Company offers competitive rates that hold their own against major insurers, especially when you consider driving records. Follow these safe-driving tips to lower car insurance rates for an even better price.
Comparing Shelter Car Insurance Discounts
Shelter car insurance generally has the lowest rates, consistently beating the rates of big-name insurers, but it also lowers car insurance costs with competitive discounts.
Shelter Car Insurance Discounts
| Discount Name | Savings Potential | How to Qualify |
|---|---|---|
| Bundling | 18% | Bundle home and auto insurance, or other policies |
| Good Student | 14% | Maintain a "B" average or higher as a full-time student |
| Safe Driver | 12% | Maintain a clean driving record for several years |
| Defensive Driving | 11% | Complete an approved defensive driving or safety course |
| Driver Training | 9% | Complete an approved driver training course as a young driver |
| Anti-Theft | 7% | Equip your vehicle with approved anti-theft devices |
| Pay-in-Full | 6% | Pay the entire premium upfront instead of in installments |
| Eco-Friendly | 5% | Opt for paperless billing and electronic communications |
| Early Signing | 4% | Sign up for a policy before your current one expires |
| Claims-Free | 10% | Maintain a record of no claims over a specified period |
Shelter offers discounts for drivers who bundle their home and auto insurance, as well as for students who maintain good grades. Teen drivers can already benefit from competitive rates with Shelter car insurance, and achieving a B average could further reduce these rates by up to 14%. It’s a good idea to check out Shelter home insurance reviews to see how others have benefited from these discounts.
But when it comes to finding strategies to keep your car insurance premiums low, keep in mind things like maintaining a clean driving record or bundling your policies. This is a way to help control Shelter’s car insurance costs. Remember to explore whether Shelter Insurance is expensive and identify ways to minimize your expenses.
Shelter Car Insurance Coverage Comparison
Shelter car insurance offers a wide variety of coverage for different types of drivers. Unlike many insurers that add a fee for roadside assistance and rental reimbursement, Shelter includes these perks, making it an excellent pick for practical drivers.
Shelter Car Insurance Coverage Options
| Coverage Name | What it Covers |
|---|---|
| Liability | Injury and property damage you cause to others |
| Collision | Your car’s damage after an accident, regardless of fault |
| Comprehensive | Non-collision damage like theft, fire, or weather |
| Uninsured Motorist | Damages caused by uninsured drivers |
| Underinsured Motorist | Damages when another driver’s insurance is insufficient |
| Medical Payments | Medical expenses for you and passengers after an accident |
| Personal Injury Protection | Medical bills and lost wages after an accident |
| Roadside Assistance | Towing, tire changes, and fuel delivery |
| Rental Reimbursement | A rental car during repairs after an accident |
| Custom Equipment | Aftermarket parts and accessories |
| Gap Insurance | The difference between car value and loan/lease balance |
Shelter stands out as a smart option for drivers looking for reliable and affordable coverage. Understanding why you need car insurance can help you see the value in Shelter car insurance policies, which offer unique protections for customized equipment and breakdowns.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Shelter Insurance Customer Satisfaction and Stability
Shelter Insurance maintains strong industry ratings, earning 850 out of 1,000 from J.D. Power, signaling above-average customer satisfaction. The company also boasts robust financial health with an ‘A’ rating from A.M. Best and fewer customer complaints, as noted by a 0.85 NAIC complaint ratio.
Shelter Car Insurance Business Ratings & Consumer Reviews
| Agency |  |
|---|---|
 | Score: 850 / 1,000 Above Avg. Satisfaction |
 | Score: A Excellent Financial Strength |
 | Score: 75/100 Good Customer Feedback |
 | Score: 0.85 Fewer Complaints |
 | Score: A Excellent Financial Strength |
Over on Reddit, users often comment on Shelter’s thorough and well-regarded coverage, as well as the company’s speedy claims process and service level.
Shelter Insurance maintains robust ratings from industry standards, mirrored by the favorable Shelter Insurance reviews on BBB, discussions on Shelter Insurance Reddit, and recognition by the Shelter Insurance AM Best rating. These accolades underscore the company’s commitment to reliability and customer satisfaction, reinforcing trust among consumers seeking honest feedback and reliable coverage.
Shelter Car Insurance Pros and Cons
When it comes to Shelter insurance for your car, you may want to consider the possible pros and cons before deciding if the company will align with what you need. Here are some perks to choosing Shelter auto insurance:
- Extensive Coverage: Offers a range of policies with unique options, such as Shelter car insurance, roadside assistance, or new car replacement
- Discounts Options: Offers multi-car, safe driving, and loyalty discounts that can lower rates
- Competitive High-Risk Rates: Teens and drivers with accidents or DUIs get cheaper rates with Shelter than other popular insurers.
A handful of downsides may affect whether Shelter is the right insurer for you, most specifically your location. Shelter is only available in a handful of states:
- Limited State Availability: It’s only available in Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Oklahoma, Tennessee, and Texas.
- Inconsistent Customer Service: Experiences with customer service can vary by state, which might impact satisfaction and support during claims.
It’s clear that Shelter offers competitive rates that cater to a diverse range of drivers, but consider customer reviews and how much insurance you need for your car, as Shelter’s coverage varies by location, and service quality may differ depending on your region.
When choosing Shelter car insurance, start by assessing your driving habits and needs to decide if added options like accident forgiveness or new car replacement are right for you.Brad Larson Licensed Insurance Agent
Shelter is a good choice for some high-risk drivers, but your best option is to compare multiple car insurance companies in your city to see which can offer you the best coverage at the best price.
Your Opinion Matters!
Rate your insurance provider and provide share feedback with shoppers just like you.
Shelter Car Insurance: Affordable Coverage Across the Board
When assessing your options in our Shelter car insurance review, its insurance rates compete very well with national providers, and it often outperforms industry leaders for drivers who are under 25.
Shelter Insurance Company focuses on affordability for high-risk drivers without cutting corners on coverage. If you’re buying car insurance, it’s a solid option for consumers who want lower rates with basic protections. If you are considering filing a lawsuit against Shelter Insurance, you are likely in the process of reviewing your options to determine the best possible provider for your needs.
If Shelter auto insurance isn’t available in your state, get the best deal on car insurance by entering your ZIP code here.
Frequently Asked Questions
Where does Shelter Insurance rank among car insurance providers?
Shelter Insurance ranks highly for customer satisfaction in the central region and holds an ‘A’ rating from AM Best for financial stability.
Who owns Shelter Mutual Insurance Company?
Shelter Insurance Company operates as a mutual insurer owned by its policyholders.
Is Shelter car insurance more expensive compared to competitors?
Shelter’s rates are competitive, averaging $86 per month for coverage. If you need full coverage on a financed car, Shelter offers affordable gap insurance and full coverage options that meet lender requirements.
Does Shelter Insurance offer discounts for bundling auto and home insurance?
Yes, Shelter provides multi-policy discounts of up to 18% when you bundle car insurance with home, renters, or life insurance policies.
Is Shelter Insurance available in all states or limited to specific regions?
Shelter Insurance is not nationwide and operates in 15 states, mainly in the Midwest and South. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
What is the average monthly cost for Shelter car insurance?
The average cost for good drivers is about $86 per month for full coverage and $33 monthly for minimum insurance. Understanding how car insurance works can help you see how factors like age, driving history, and location affect your Shelter car insurance rates.
What was Shelter Insurance previously called before adopting its current name?
Shelter car insurance was initially known as MFA Mutual Insurance Company before rebranding in 1981.
How does Shelter Insurance compare to companies like State Farm and Geico?
Shelter offers lower rates for specific demographics, especially older drivers, and focuses on personalized service through local agents, while Geico and State Farm excel in digital services and nationwide availability.
Does Shelter Insurance offer accident forgiveness for policyholders?
Yes, Shelter car insurance accident forgiveness is available to help drivers avoid rate hikes after their first at-fault accident. Prioritizing accident preparedness with the right coverage like this can prevent financial stress later.
Does Shelter Insurance include roadside assistance in its auto policies?
Yes, Shelter offers optional roadside assistance coverage, which includes towing, flat tire changes, and emergency fuel delivery.
What is Shelter Insurance’s claim process for car accidents?
What types of auto coverage options does Shelter Insurance provide?
Does Shelter Insurance provide new car replacement coverage?
How are Shelter Insurance’s customer satisfaction ratings compared to competitors?
Does Shelter Insurance accept credit card payments for premium payments?
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption