Shelter Insurance: The Inside Scoop

Shelter Insurance sells mostly auto and homeowners/farmowners insurance. You can also buy commercial auto, business insurance and life insurance from Shelter companies.

Shelter is based in Columbia, Missouri, and about 25% of its business comes from Missouri, according to S&P Global Market Intelligence.

Every insurance company must file its auto insurance rates and policies in each state where it operates. We reviewed Shelter Insurance filings to bring you this inside scoop on coverage options, discounts and surcharges.

Shelter car insurance options

Shelter Insurance offers all the fundamental coverage types you'd expect, such as liability, collision, comprehensive, uninsured motorist, roadside assistance and others.

Here's a look at whether Shelter offers certain additional auto insurance options.


SR-22 filings

Proof of financial responsibility.

Yes
Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what's still owed on a car loan or lease.
Yes
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
No
Non-owner insurance

Liability insurance for people who don't own vehicles.

Yes, but in some states only for limited circumstances, such as a person who drives a government car.
Rideshare insurance

Extra coverage for Uber drivers and others.

No
Source: EverQuote research. Product options might not be available in all states.

More Shelter Insurance choices

Here are more options from Shelter. Details and availability could vary among states and Shelter subsidiaries.

New car replacement: Shelter includes new car replacement coverage with its auto policies. If you total a new car, Shelter will replace it with a new car of the same model, make and year. This applies to new cars bought within the last year with less than 15,000 miles.

Accidental death: Provides a death benefit if you or your spouse die after being in a car accident or struck by a car. Benefit choices are $2,500, $5,000 or $10,000.

Loss of use: Provides money if your car is in the repair shop for a problem covered by the policy.

Disability income: Provides a weekly payment for up to a year if you can't work because of a car accident or being struck by a car. (Not available in all states.)

Price comparison

Here's how Shelter's insurance costs compare with large auto insurers. These numbers are based on monthly premiums reported by EverQuote users.

Company Monthly premium paid
Shelter Insurance $106
American Family $115
Travelers $123
State Farm Mutual $126
Farmers $131
Nationwide $135
USAA $135
Allstate $136
GEICO $136
Liberty Mutual $144
Progressive $149
Source: Premiums reported by EverQuote users, based on policies with bodily injury liability coverage of 100/300. Rates are based on single vehicles with one driver who has a good driving record with no violations. Rates for sedans, coupes and hatchbacks were averaged. Rates are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Shelter auto insurance discounts

We reviewed state filings to find the details of Shelter's auto insurance discounts. Note that these discounts vary by state.


Safe driver
For customers with no "chargeable accidents" or violations in the past 36 months, and other eligibility criteria.

Good student
For unmarried full-time students under age 25 who have a B average or better, rank in the top 20% of the class, or meet other academic criteria.

Motor vehicle accident prevention course
For folks age 55 and older who complete an approved class.

Evidence of continuous insurance
For new customers who have not had a lapse in auto insurance coverage.


Passive restraint
For having factory-installed air bags.


Multi-car

Multi-coverage
For insuring at least two vehicles such as cars, classic cars, motorcycles, motor homes or snowmobiles.

Companion policy
For having an auto insurance policy plus a homeowners and life insurance policy from Shelter.

Pay in full
For paying 100% of the premium when you apply or at renewal time.

Advance purchase
For new customers who submit an application seven or more days before the policy effective date and who haven't had a lapse in auto insurance.

Paperless
For customers who receive documents electronically.

Shelter auto insurance surcharges

Auto insurance companies often usually increase rates if you have certain problems, such as moving violations and at-fault accidents.

Shelter looks at "chargeable accidents" and violations in the past three years.

Accidents that are chargeable can get a surcharge. But not all accidents are chargeable. For example if your car was hit while legally parked, or you were rear-ended and did not get a moving violation, the accident generally won't affect rates.

Shelter assigns points to types of violations, and the number of points you have will affect your rate. Reckless driving, leaving the scene of accident and driving with a suspended license are generally considered to be among the most serious violations and have the highest points.

Shelter Insurance subsidiaries

Companies in the Shelter Insurance group include:

Shelter Mutual Insurance Co.
Shelter Reinsurance Co.
Shelter General Insurance Co.
Haulers Insurance Co.
AmShield Insurance Co.

Insurance filings source: S&P Global Market Intelligence

Posted Nov. 19, 2018

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