Shelter Car Insurance Exposed: The Truth Behind Their Rates and Coverage!

This guide “Shelter Car Insurance” explains pricing, availability, pros and cons, comparisons with other insurers, customer service details, quotes, Click Here

When it comes to auto insurance, finding a provider that balances cost, coverage, and customer service can be challenging. Shelter Car Insurance, founded in 1946, has earned a reputation for offering robust coverage options, competitive pricing, and excellent customer service.

Whether you’re considering Shelter for the first time or looking to switch providers, this guide will help you make an informed decision.

Overview of Shelter Car Insurance

Shelter Car Insurance offers a variety of coverage options tailored to meet the diverse needs of drivers. Their policies range from basic liability insurance to comprehensive plans that include additional features like roadside assistance and rental reimbursement. Known for their customer-centric approach, Shelter aims to provide reliable insurance solutions with a focus on personalized service.

Shelter Car Insurance
Shelter Car Insurance

Pricing and Availability


The cost of Shelter Car Insurance varies based on several factors, including your location, driving history, age, and the type of coverage you choose. Here’s a breakdown of estimated monthly premiums for different coverage levels:

Coverage TypeAverage Monthly Premium
State Minimum Liability$35 – $80
Standard Full Coverage$115 – $200
High-Risk Driver Coverage$160 – $310

Factors Influencing Pricing

  1. Location: Insurance rates differ by state and even by ZIP code.
  2. Driving Record: A clean driving record results in lower rates.
  3. Vehicle Type: The make and model of your car affect your insurance cost.
  4. Age and Gender: Younger drivers and males typically face higher premiums.
  5. Credit Score: In many states, a higher credit score can lead to lower insurance rates.


Shelter Car Insurance is available in the following states:

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

This regional availability means that while Shelter may not be accessible nationwide, they provide strong localized service in the states they cover.

Pros and Cons


  1. Comprehensive Coverage Options: From basic liability to full coverage with extras, Shelter offers a wide range of policies to suit different needs.
  2. Customer Service: Known for strong customer service, Shelter offers 24/7 claims assistance and a robust online presence for easy policy management.
  3. Discounts: Shelter provides various discounts, including multi-policy, good driver, and good student discounts, which can help lower premiums.
  4. Local Agents: Shelter has a network of local agents who provide personalized service and support.
  5. Optional Add-Ons: Additional coverage options such as roadside assistance, rental car reimbursement, and new car replacement are available.


  1. Limited Availability: Shelter Car Insurance is not available in all states, which limits its accessibility.
  2. Mixed Reviews: Some customers report dissatisfaction with the claims process and rate increases upon policy renewal.
  3. Price: While competitive, Shelter’s premiums can be higher compared to some other insurers, especially for high-risk drivers.
  4. Online Tools: Shelter’s online quote tools are not as user-friendly or detailed as some competitors.

Comparison with Other Car Insurance Providers

To help you understand how Shelter compares to other major insurers, here’s a comparison with GEICO, State Farm, and Progressive:

FeatureShelterGEICOState FarmProgressive
PricingCompetitive but variableKnown for low ratesGenerally higher premiums but excellent serviceCompetitive rates with many discounts
Coverage OptionsComprehensive with add-onsWide range of coverage optionsExtensive coverage and local agentsBroad range of coverage options
Customer ServiceStrong but variable by regionHigh customer satisfactionExcellent customer serviceGood customer service
Mobile App and WebsiteSolid online presenceHighly rated mobile appGood online and mobile servicesHighly rated mobile app
Claims Process24/7 claims assistanceSmooth claims processEfficient claims handlingGood claims process
AvailabilityRegional (15 states)NationwideNationwideNationwide

Helpline and Customer Support

Shelter provides multiple ways to reach their customer support team for assistance with claims, payments, or general inquiries.

  • Customer Service Number: 1-800-SHELTER (1-800-743-5837)
  • Claims Service Number: 1-800-SHELTER
  • Website:

Quotes in Different States and Regions

Insurance quotes can vary significantly by state due to factors like local regulations, accident rates, and weather conditions. Here are some sample quotes for minimum liability coverage from Shelter in different states:

StateMonthly Premium

These quotes are estimates and can vary based on individual circumstances. It’s advisable to get a personalized quote directly from Shelter’s website or by contacting their helpline.

Testimonials and Reviews

Customer reviews can provide valuable insights into the real-world experience with Shelter Car Insurance. Here are some testimonials and reviews from various sources:

Positive Reviews

  1. Anna T. from Missouri: “Shelter offered me comprehensive coverage at a reasonable price. Their customer service was excellent, and the claims process was smooth and efficient.”
  2. Michael J. from Arkansas: “I appreciated the variety of coverage options and discounts available. Shelter made it easy to bundle my home and auto insurance, saving me a lot of money.”

Negative Reviews

  1. Laura P. from Kentucky: “While the initial rate was good, I experienced a significant rate increase upon renewal. The claims process was also slower than I expected.”
  2. Tom R. from Tennessee: “Customer service was inconsistent. Sometimes I got quick responses, but other times it took multiple calls to resolve an issue.”

Addressing Common Customer Problems

While Shelter Car Insurance has many advantages, customers often face certain challenges. Here are some common problems and how to address them:

  1. Rate Increases: Some customers report significant rate increases upon policy renewal. To mitigate this, regularly review your policy and shop around to compare rates. You can also speak with a Shelter representative to explore additional discounts.
  2. Claims Process Delays: To avoid delays, ensure you provide all necessary documentation promptly and keep thorough records of all communications. Don’t hesitate to follow up if you feel the process is taking too long.
  3. Customer Service Issues: If you encounter difficulties with customer service, try using multiple contact methods like phone, email, or their mobile app. Escalate your issue to a supervisor if necessary.


Shelter Car Insurance offers a robust suite of coverage options tailored to meet the needs of a wide range of drivers. With competitive pricing, a variety of discounts, and strong customer service, Shelter is a solid choice for many. However, like any insurance provider, it’s essential to consider both the benefits and potential drawbacks.

For those looking for comprehensive coverage with the flexibility to add extras like roadside assistance or rental car reimbursement, Shelter is worth considering. Their regional availability and bundling discounts make it a convenient choice for many households.

To get a personalized quote or more information, visit or call their customer service number at 1-800-SHELTER.

Shelter Car Insurance aims to provide reliable and flexible insurance solutions, but as with any significant financial decision, it’s crucial to compare your options and choose the one that best fits your needs.

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