Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 2, 2020

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Company Details
Address: Shelter Insurance Companies 1817 West Broadway
City: Columbia
State: MO
ZIP Code: 65218
Phone Number: 1-800-SHELTER
Year Founded: 1946
Company Rating 0 (0 reviews)

Here's what you need to know...

  • Shelter Insurance Group consists of several different companies that offer a variety of insurance products
  • Shelter Insurance Group provides insurance both in the United States and internationally
  • Shelter Insurance offers several discounts to clients depending on factors such as location and driving record

The Shelter Insurance Group consists of the following number of companies:

  • Shelter Life Insurance
  • Shelter Reinsurance Company
  • Shelter General Insurance
  • Shelter Financial Bank
  • Shelter Mutual Insurance

These companies offer Shelter homeowners insurance, life, farm, auto insurance. You may be asking is Shelter car insurance near me? It’s only offered in some states but more on that below. You’ll also want to compare your Shelter car insurance rates with other top car insurance companies.

Click here now to enter your ZIP and compare car insurance quotes with our FREE tool!

Table of Contents

About Shelter Insurance Coverage

While insurance is available in several states, actual insurance products may vary state to state In addition to its home state of Missouri, Shelter Insurance is available in the following states:

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

Shelter Insurance offers the minimum amount of coverage required for each state in which its auto insurance is available.

Most states require at least liability coverage for personal injuries and property damage.

Liability coverage takes care of expenses for injuries and damage you may cause to others if you were at fault for an accident, according to the Missouri Department of Insurance.

Shelter offers both uninsured and underinsured motorist coverage for bodily injury and for property damage.

Shelter offers a number of different coverage types that go beyond state law requirements.

One is collision coverage, which helps with the cost of repairing or replacing your vehicle regardless of who was at fault for the accident.

Comprehensive coverage is another type offered by Shelter. This type of insurance reimburses you for damages or replacement of your vehicle due to occurrences other than a collision.

Medical payment coverage is another type of auto insurance Shelter offers and covers expenses related to injuries as well as funeral expenses.

Coverage could be applied to hospital and doctor bills, X-rays, surgery, ambulance costs, and dental procedures.

Other types of optional coverage offered by Shelter include emergency road service, rental reimbursement, and disability income.

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Shelter Insurance Discounts

Discounts are a major way you may be able to save money on your car insurance, notes the Illinois Department of Insurance. Shelter Insurance offers some that are only available in specific states.

Those discounts include the following:

  • Safe driver discount – for those who have not had any accident or violations in the past three years
  • Good student discount – based on a person’s grade average, class rank, or academic honors
  • Anti-theft discount – may apply in Illinois and Kentucky for fuel cutoffs, car alarms, and steering wheel locks
  • Safety device discount – passive restraint discount that applies to air bags and automatic seatbelt

Other discounts from Shelter include a rate reduction if you’ve taken a driver training or accident prevention course.

Insuring two or more cars or other vehicles with Shelter can merit you a discount. You can also get a break on the cost of insurance from Shelter if you have an auto policy and another type of policy.

A military discount from Shelter may also be yours if you are an active military personnel member assigned to a base in the state of Louisiana. Does Shelter Insurance have accident forgiveness? They do not at this time.

Shelter Insurance Pros and Cons

Shelter Insurance has a number of notable benefits. They do offer a Shelter Insurance app which can be access with your Shelter Insurance login to make Shelter Insurance claims and other account transactions.

Is Shelter Insurance a good company? Shelter Insurance has consistently been at the top of the companies under Shelter Mutual Insurance Company, according to the AM Best website.

Although its operating companies may not offer auto insurance, they help fortify Shelter’s overall reputation by being in excellent standing with AM Best.

Additional pros for Shelter Insurance include the convenience of being able to file many claims online and an overall good financial health rating.

Shelter offers business auto insurance, which is a plus for business owners who use at least one vehicle for their operations.

The wide range of discounts Shelter offers is another benefit; in fact, Shelter has very few drawbacks in general.

Shelter Insurance’s limited availability is a disadvantage if you don’t live in one of the states where coverage is available.

Another strike against Shelter Insurance is the limited restrictions on certain state-specific or age-related discounts.

How to Save Money on Shelter Insurance

Even if you’re not eligible for certain discounts, you may still be able to save money by paying attention to factors that affect your auto insurance premium, according to the Texas Department of Insurance.

Lower premiums typically come from maintaining a good driving record, parking or driving your car in safe areas, and opting for a vehicle that is inexpensive to repair and not prone to theft.

How frequently and how you use your car also play a part, with lower rates generally going to those who have a low annual mileage.

Find low auto insurance rates when you enter your ZIP code now!