Is Shelter legit? This question is about Shelter Insurance

Yes, Shelter is a legitimate insurance company that offers auto, vehicle, farm, and business insurance. Shelter is also a safe bet financially, according to major insurance rating agencies, and it has a relatively high customer satisfaction score. Why Shelter is Legit Shelter offers coverage in AR, CO, IL, IN, IA, KS, KY, LA, MS, MO, NE, NV, OH, OK, and TN. Shelter has been in operation since 1946 and is currently headquartered in Columbia, Missouri. Shelter has an A+ from the Better Business Bureau. AM Best gave Shelter an A rating for its financial strength and ability to pay out claims. Shelter has an average user rating of 3.3/5 on WalletHub. However, even though Shelter is rated very highly, their rates can be costly. A minimum-coverage car insurance policy with Shelter typically costs $745 per year, which is more expensive than average. To learn more, check out WalletHub’s complete Shelter review. Note: Rates are an approximation based on a driver with a clean driving record in California. Actual rates will vary.

Ad Disclosure Ad Disclosure

Is Shelter legit?

Answer Question Report Abuse

This question is about Shelter Insurance

see this user

Delaney Simchuk, Car Insurance Writer

@delaney_simchuk • 08/25/22 This answer was first published on 08/25/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report Abuse

Yes, Shelter is a legitimate insurance company that offers auto, vehicle, farm, and business insurance. Shelter is also a safe bet financially, according to major insurance rating agencies, and it has a relatively high customer satisfaction score.

Why Shelter is Legit

Shelter offers coverage in AR, CO, IL, IN, IA, KS, KY, LA, MS, MO, NE, NV, OH, OK, and TN.
Shelter has been in operation since 1946 and is currently headquartered in Columbia, Missouri.
Shelter has an A+ from the Better Business Bureau.
AM Best gave Shelter an A rating for its financial strength and ability to pay out claims.
Shelter has an average user rating of 3.3/5 on WalletHub.

However, even though Shelter is rated very highly, their rates can be costly. A minimum-coverage car insurance policy with Shelter typically costs $745 per year, which is more expensive than average.

To learn more, check out WalletHub’s complete Shelter review.

Note: Rates are an approximation based on a driver with a clean driving record in California. Actual rates will vary.

Answer Question

What rating does Shelter insurance have?

Shelter has a rating of 1.16 from the National Association of Insurance Commissioners (NAIC), meaning it has fewer customer complaints than the average insurer its size. Consumers often note that Shelter good customer service and middle-of-the-road pricing.

Shelter Insurance Ratings

A.M. Best: A
J.D. Power: 4.3
NAIC: 1.16
BBB: A+ … read full answer

Average User Rating on WalletHub: 3.3 /5

To learn more, check out Shelter reviews and key company info.

show less

What states is Shelter Insurance in?

Shelter Insurance is in 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. While Shelter Insurance does not operate in most states, its prices are relatively inexpensive compared to some of its larger competitors.

How Shelter Compares to Other Insurance Companies

… read full answer

Company	Average Annual Premium
Shelter	$1,083
Geico	$429
State Farm	$461
Cincinnati Financial	$534
Kentucky Farm Bureau	$540
Travelers	$597
USAA	$680
Safeco	$725
Auto Owners	$752
Progressive	$907
Allstate	$1,137
Grange	$1,295
MetLife	$1,793
Encompass	$2,774

Note: Premiums are for a 45-year-old in Kentucky with a good driving history.

Shelter Insurance sells its policies through a team of over 1,400 licensed agents and several subsidiaries, including AmShield Insurance and Say Insurance. If you want to find an agent near you, you can use the Shelter Insurance online search tool or call 1-800-743-5837.

show less

Who owns Shelter Insurance?

Shelter Insurance is owned by Missouri Farmers Association. Missouri Farmers Association is a cooperative built by farmers for farmers, headquartered in Missouri, and it has owned Shelter Insurance since 1946.

For more information, check out WalletHub’s full Shelter Insurance review.

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.