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Shelter car insurance review Sep 2022

Personal and commercial auto insurance through local agents across 15 Midwestern states.'s rating: 4 / 5


  • Get a quote if you want one-on-on service.
  • Pick something else if you want to sign up online.
  • Best for Midwestern drivers who want personalized service.

Included free

Roadside assistance

New car protection

Accident forgiveness


States served Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Tennessee
Roadside assistance Included free
Accident forgiveness No
New car protection No
Pay schedule custom
Claims methods online
Rideshare coverage No
SR-22 support Yes


  • Online claims system.
  • One-on-one support.
  • Few customer complaints.


  • Available in 15 states only.
  • Service varies by agent.
  • Can’t purchase online.
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount No
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts No

Review by

Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.

Expert review

Shelter is an auto insurance provider that offers comprehensive, flexible options with a slew of discounts in 15 Midwestern states. Earning strong ratings from its customers and AM Best, Shelter prides itself on excellent customer service, a focus on integrity and continuous improvement.

But a focus on personalized service means you can’t purchase coverage online. If that’s okay with you and you live in the Midwest, your agent can help you create a customized policy.

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How to apply for Shelter car insurance

Purchasing coverage from Shelter can start with a quote online. But to sign up for a policy, you contact a local agent.

To get an online quote:

  1. Go to Shelter Insurance’s website and find the Get a Quote widget.
  2. Enter your ZIP code and click Get a Quote.
  3. Enter your personal information, your coverage needs and information about the vehicles you’re looking to insure.
  4. After you received a quote, send the information directly to your local agent to purchase your policy.

What info do I need to apply?

Gather together your personal information before applying, including your:

  • Name, address, email address and phone number.
  • Driver’s license number and general driving history.
  • Employment information.
  • Year, make, model and VIN for each vehicle.
  • Payment information.

How to find a Shelter agent near me

Find your closest Shelter agency in three quick steps:

  1. Visit Shelter Insurance’s website and find the Find an Agent widget.
  2. Enter your ZIP code and click Find.
  3. Call or visit an agent near you.

Discounts on Shelter car insurance

Shelter extends more than 10 discounts that can help you shave down your monthly premium:

  • Safe driver. Get a discount if your record is free of accidents and traffic violations for at least three years.
  • Good student. Unmarried full-time students under the age of 25 can get a discount for qualifying as a solid student.
  • Full payment. Save up to 10% if you pay your premiums in full every six or 12 months, rather than monthly.
  • Multicar. Get stronger rates when you insure two or more vehicles with Shelter.
  • Companion policy. Bundle life, homeowners or farmowners insurance with Shelter for better rates across your package.
  • Passive restraint. Get a discount for factory-installed airbags or automatic seatbelts.
  • Accident prevention and training courses. Drivers in some states can score lower rate for completing an approved class.
  • Military. Active military personnel and their families can get a discount if they’re assigned to a base in Louisiana.
  • Antitheft. Residents of Kentucky and Illinois can get a lower rate for installing an alarm system, steering wheel locks or similar devices.
  • Window etching. Residents of Louisiana can get a discount if their VIN is etched on all windows of the vehicle.
  • Multicoverage. Residents of Nevada can get a discount on uninsured and underinsured motorist coverage if two or more vehicles are insured in the same household.
  • Business auto insurance. If you own a business, find protection ranging from standard collision to extras like equipment coverage.
  • Rideshare insurance. Depending on where you live, you might find coverage if you drive for a rideshare company like Uber or Lyft.

What car insurance coverage does Shelter offer?

Shelter sells coverage through a network of more than 1,300 local agents across 15 states. This hands-on approach to auto insurance might fit the needs of those who expect personalized service with their comprehensive coverage. You request a quote online, and Shelter forwards it to your local agent, who stands ready to process your policy.

Shelter’s policies range from your state’s minimum to comprehensive coverage that protects against the unforeseen:

  • Liability coverage. Covers bodily injury and property damage costs of another party if you’re at fault in an accident.
  • Personal injury protection. Covers medical expenses resulting from injuries to the driver and passengers in your vehicle, regardless of who’s at fault.
  • Uninsured or underinsured motorist coverage. Covers the costs of bodily injury and property damage if you’re in an accident with a driver who doesn’t have enough coverage to pay themselves.
  • Medical payments coverage. Pays for medical and funeral expenses if the driver and any passengers in your vehicle are harmed in an accident, regardless of who’s at fault.
  • Collision coverage. Covers damage to your vehicle due to a collision, regardless of who’s at fault.
  • Comprehensive coverage. Helps pay for repairs or to replace your vehicle if it’s damaged by something other than a collision — like theft, fire, vandalism or hitting an animal.
  • Gap insurance. Pays the difference between the payout of collision coverage and the amount you still owe on your financed car.
  • Roadside assistance. Covers the cost of towing and labor to get your vehicle to a service center.
  • Rental reimbursement. Covers the cost of a rental vehicle while your car is in the shop or unavailable after an accident.
  • Loss of use. Provides a single payment to cover living expenses that arise from being without your car.
  • Accidental death. Pays out if you or your spouse dies in a car accident or after being struck by a car.
  • Disability income. If an accident leaves you unable to work, provides a weekly stipend to help out for up to a year.

Shelter car insurance reviews and complaints

Because policies are sold through independent agents, a number of Shelter listings with the Better Business Bureau (BBB) are for local agencies. However, many Shelter branches are accredited with the bureau, most earning an A+ from the BBB based on internal criteria that considers complaint resolution and transparency, as of October 2020.

Of the two reviews on Shelter Insurance’s corporate BBB page, both are positive — though 43 separate complaints are filed against the company. Most complaints stem from billing and collections issues along with spotty communication.

Online reviews generally slant negative, because bad experiences are most likely to prompt us to write a review. Keep that in mind when reading customer reviews on the Internet.

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Where can I buy a Shelter policy?

Shelter services 15 states in the Midwest:

  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • Ohio
  • Oklahoma
  • Tennessee
  • Arkansas
  • Colorado
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana

Pros and cons of Shelter car insurance


  • Online claims system. Easily start your claim online or on the phone.
  • One-on-one support. Get personalized service through a network of more than 1,300 agents.
  • Few customer complaints. Low rates of online grievances indicates high satisfaction.


  • Services 15 states only. If you don’t live in the Midwest, you’ll need to look for another provider.
  • No online purchases. You can get a quote through the site, but you’ll have to speak with an agent to purchase a policy.

How to file an auto insurance claim with Shelter

Shelter makes it easy to file a claim 24/7 online or by calling 800-743-5837.

To file a claim online:

  1. Visit Shelter’s site and hover over Claims in the top navigation. Click File a Claim.
  2. Log in to your Shelter account, then click Continue. If you’re filing a glass claim, call Shelter directly.
  3. Enter your policy number, then click Continue.
  4. Enter your policyholder information and details about the incident, then click Continue.
  5. Complete details about the incident, then click Submit Claim.

What do I need to file a claim with Shelter?

  • Details about your accident, including the date and location.
  • Vehicle and driver information for everyone involved.
  • Insurance information for everyone involved, including the policy number and insurer.
  • Contact information for all parties involved.

How to contact Shelter

Get help in three ways:

  • Phone. Call 800-743-5837 Monday through Saturday from 7 a.m. to 10 p.m. CT. Get roadside assistance at 855-817-6510.
  • Email. Complete the secure form on Shelter’s site to be contacted by a rep.
  • Mail. Send a note to Shelter Insurance, 1817 West Broadway, Columbia, MO, 65218.

Frequently asked questions about Shelter

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you. We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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