Shelter Car Insurance Review for 2025 [Honest Report]

This Shelter car insurance review found the company’s key benefits include a wide variety of coverage options like custom equipment coverage and attractive discounts, such as those for bundling multiple policies.

However, Shelter’s rates are higher than those of some competitors, especially for drivers with poor records. While the company offers financial stability and good customer service ratings, it may not be the best choice for cheap car insurance.

Shelter Car Insurance Rating

Rating Criteria
Overall Score	3.8
Business Reviews	3.0
Claim Processing	3.5
Company Reputation	4.0
Coverage Availability	4.1
Coverage Value	3.4
Customer Satisfaction	4.2
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.0
Plan Personalization	4.0
Policy Options	3.1
Savings Potential	4.3

Shelter is best suited for drivers seeking a broad range of coverage options and those who can take advantage of its discounts. It’s important to compare multiple insurance quotes to ensure you get the best deal for your needs.

Shelter Car Insurance Rates

Most people are looking for an affordable auto insurance company, so checking Shelter’s average car insurance rates is one of the most important parts of evaluating the company. Many factors affect what you pay for car insurance, but your age is a big factor, so let’s start by looking at Shelter rates by age and gender.

Shelter Car Insurance Monthly Rates by Age, Gender & Coverage Level

The amount of coverage you get will affect your rates as well. While it may be tempting for young drivers to go with minimum coverage because it is so much cheaper, it doesn’t offer much protection.

Instead, teens can join their parents’ policy at Shelter for cheaper rates than the ones we showed above for teens purchasing their own policy (Read More: How long can you stay on your parent’s car insurance?). Another factor that will affect rates for both teens and adults is a driver’s record.

Most car insurance companies count DUIs as the worst offense that can be on a driver’s record, which is why they increase rates the most for a DUI driver.

After DUIs, at-fault accidents are the next most expensive mistake on a record, followed by a traffic ticket. You can expect higher rates for at least a few years if you have a poor driving record.

Shelter Car Insurance Rates vs. the Competition

Let’s look deeper into Shelter’s car insurance rates by comparing them to other popular companies’ prices, starting again with rates by age and gender.

Shelter Car Insurance Monthly Rates Compared to Top Providers by Age & Gender

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 60 Female	Age: 60 Male
	$290	$320	$185	$205	$145	$155	$115	$125
	$285	$315	$182	$202	$142	$152	$112	$122
	$260	$290	$170	$190	$130	$140	$100	$110
	$300	$330	$190	$210	$150	$160	$120	$130
	$265	$295	$172	$192	$132	$142	$102	$112
	$275	$305	$175	$195	$135	$145	$105	$115
	$280	$310	$180	$200	$140	$150	$110	$120
	$270	$300	$175	$195	$135	$145	$105	$115
	$280	$310	$180	$200	$140	$150	$110	$120
	$250	$270	$160	$180	$120	$130	$90	$100

Shelter is not the most expensive company compared to competitors, which is great. However, when you compare Shelter to a few other companies, such as Shelter Insurance vs. State Farm or Geico, they are cheaper on average than Shelter (Read More: Geico Car Insurance Review). Shelter also isn’t the cheapest for drivers with poor driving records.

Shelter Car Insurance Monthly Rates Compared to Top Providers by Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$145	$170	$195	$260
	$142	$167	$192	$255
	$130	$155	$180	$230
	$150	$175	$200	$270
	$132	$157	$182	$235
	$135	$160	$185	$240
	$140	$165	$190	$250
	$135	$160	$185	$240
	$140	$165	$190	$250
	$120	$145	$170	$220

If you are looking for the cheapest possible rates, Shelter may not be for you. However, there are several other factors to consider besides price, like coverage options and customer reviews, as the cheapest doesn’t always equal the best.

Car Insurance Coverage Options at Shelter

Shelter Insurance Company sells quite a few different types of car coverage, from the basics like liability insurance to extras like custom equipment coverage.

Car Insurance Coverages Offered by Shelter Insurance

Shelter has a great variety for customers looking for less common coverages. However, Shelter does not offer rideshare insurance, so Uber and Lyft drivers must shop elsewhere (Learn More: Compare Rideshare Car Insurance: Rates, Discounts, & Requirements).

Shelter Car Insurance Discounts

If you want to work to lower your Shelter auto insurance rates, one of the things you can do is apply for the discounts that Shelter offers.

Shelter Car Insurance Discounts and Savings Percentages

Multiple policy car insurance discounts will be the biggest saver at Shelter Insurance Company, and you can qualify by purchasing another type of insurance from Shelter, such as home insurance. Families can also save by insuring multiple cars on one policy.

The more discounts you qualify for, the better your Shelter insurance rates will be. Even small discounts like a paperless discount will contribute to lower rates.

Customer Reviews of Shelter

Customer reviews of Shelter are mixed, with some customers posting glowing reviews of the agents they worked with for quotes and claims and other customers posting negative feedback about agent responsiveness, like the Yelp review below.

How do customer satisfaction ratings affect car insurance companies? Mixed reviews of companies are common and don’t necessarily mean a company is awful. In addition to looking at Shelter Insurance Google reviews and Yelp reviews, it is also important to look at the business ratings of a company to get a full picture of complaints, customer satisfaction, and more.

Business Reviews of Shelter

Several businesses have rated Shelter Mutual Insurance Company, from BBB to J.D. Power. Take a look at how Shelter Insurance ranks below.

Shelter Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 850 / 1,000 Above Avg. Satisfaction
	Score: A Excellent Business Practices
	Score: 75/100 Good Customer Feedback
	Score: 0.85 Fewer Complaints
	Score: A Excellent Financial Strength

Several ratings indicate good customer service, such as J.D. Power’s above-average Shelter insurance rating and the lower NAIC complaint score (Read More: Car Insurance Companies With the Worst Customer Satisfaction).

Shelter also has a good financial standing, according to the Shelter Insurance AM Best rating, and good business practices based on Shelter insurance reviews from BBB.

Shelter Car Insurance Pros and Cons

Now that we’ve covered the most important aspects of Shelter Insurance Company, let’s take a minute to recap the company’s pros and cons. Some great aspects of Shelter are:

• Variety of Coverages: Shelter has less-commonly offered extras like custom equipment coverage, which is some of the best car insurance for modified cars.
• Discount Variety: Shelter customers can apply for several different types of discounts on their auto insurance policies.
• Financial Strength Rating: Shelter is a financially stable company, according to its A.M. Best rating.

While these are some great perks, the downsides that Shelter Insurance customers may experience include the following:

• Higher Rates: Shelter is not the cheapest car insurance company available on the market, although rates aren’t astronomically high.
• Some Negative Customer Feedback: While Shelter has decent ratings from businesses, some negative reviews are left on sites like Reddit and Yelp.

Fully consider the pros and cons of Shelter before committing, as a company that is right for one customer may be a poor choice for another customer.

Deciding if Shelter Car Insurance is Best for You

Our Shelter car insurance review found that one major pro is its wide variety of coverage options, including custom equipment coverage. Shelter also stands out with an A.M. Best A rating, indicating strong financial stability.

However, one major con is its higher-than-average rates, particularly for drivers with poor records, so it may not be the best choice financially for certain drivers (Read More: Best Car Insurance for a Bad Driving Record).

If Shelter isn’t the right choice for you, there are plenty of other car insurance companies to choose from. To ensure you’re getting the best deal, be sure to compare quotes from multiple insurance companies before making your final decision.