Is Shelter Auto Insurance Legit?

Is Shelter Auto Insurance Legit?

This article simplifies picking car insurance by comparing Shelter Mutual to the top companies.

They analyze factors like customer service, price, and coverage.

Shelter gets high marks for customer service and offers a good range of coverage options.

However, while Shelter’s home insurance is cheap, their car insurance tends to be more expensive.

Overall, the article suggests Shelter might be a good fit if you prioritize customer service but may not be the most affordable option for car insurance.

An image illustration whether Shelter Auto Insurance is Legit
Is Shelter Auto Insurance Legit
Source: (Freepik)

Shelter Auto Insurance Pros and Cons

Feature Pros Cons
1 Offers a wide range of coverage Can be more expensive than some competitors
2 Automatically includes new car replacement and roadside assistance Not available in all states
3 Above-average J.D. Power claims rating No usage-based insurance program

Shelter Mutual Insurance Coverage

It offers various coverage options:

  • Basic coverage (included):
    • Bodily injury liability: pays for other driver’s medical bills if you’re at fault.
    • Property damage liability: pays for other driver’s car repairs if you’re at fault.
    • Roadside assistance: covers services like towing or jump starts.
    • New car replacement: Replace your totaled new car with the same model.
  • Optional add-on coverages:
    • Medical payments (MedPay): covers medical expenses for you and passengers.
    • Uninsured motorist: covers injuries and damage caused by uninsured drivers.
    • Comprehensive: covers damage from events like theft, fire, or weather.
    • Collision: covers repairs to your car after an accident (regardless of fault).
    • Personal injury protection (PIP): covers medical expenses, lost income, and other costs from injuries.
    • Accidental death: provides benefits if you or your spouse die in a car accident.
    • Guaranteed asset protection (GAP): covers the difference between your car’s value and what you owe on your loan if it’s totaled.
    • Rental reimbursement: pays for a rental car while your car is being repaired or stolen.
    • Disability income: provides income if you can’t work due to car accident injuries.
    • Loss of use: gives you a one-time payment if your car is being repaired after an accident.

Shelter Mutual Insurance Discounts

It offers various discounts to help you save money on your car insurance:

  • Loyalty and Policy Tenure: You can save money by being a Shelter customer for a long time, having continuous insurance coverage, or staying with the same prior carrier/coverage type.
  • Safe Driving and Vehicle Ownership: Safe drivers with a clean record for several years and those who’ve owned their car for a longer period can qualify for discounts.
  • Bundling and Safety Features: Bundling your car insurance with other Shelter policies (auto, life, or property) or having safety features like airbags in your car can reduce your premium.
  • Driver Training and Education: Completing approved driver’s education courses (especially for young drivers in your household) and taking accident prevention courses can make you eligible for discounts.
  • Payment Method: Paying your entire policy premium upfront (6 or 12 months) can earn you a discount.

Shelter Mutual Insurance Apps And Technology

It offers online tools to manage your insurance:

  • Website: Get free quotes and manage your existing policy (pay bills, access documents, etc.).
  • Mobile App (My Shelter): Pay bills, view ID cards, file claims, access policy details, and find agents. It has good ratings on app stores (3.8-3.9 stars).

Shelter doesn’t offer:

  • Usage-based insurance programs (like tracking your driving for discounts).
  • Policy cancellation via app or website (call the company or your agent).
An image illustration of Shelter Auto Insurance
Shelter Auto Insurance
Source: (Freepik)

Shelter Mutual Insurance Reviews

  • Mixed Reviews: Shelter has a high A+ rating from the Better Business Bureau (BBB) but low customer reviews (1.2 stars) mentioning claim issues and slow payments.
  • Positive Industry Ratings: J.D. Power studies, which survey a larger group of customers, rank Shelter high for customer satisfaction in overall services and claims handling.
  • Complaints: Over 80 complaints have been filed with the BBB in the past 3 years, mostly about service issues. Shelter responds to complaints and tries to resolve them quickly.


Shelter Mutual Insurance appears to be a legitimate company, but there are factors to consider:

  • Pros: Strong reputation (A+ BBB rating), high J.D. Power ratings for customer satisfaction, good coverage options, and unique perks (new car replacement).
  • Cons: Potentially more expensive than competitors, limited availability (central & southern US), and no usage-based insurance discounts.

Verdict: Shelter could be a good fit for drivers prioritizing customer service in the covered regions.

However, could you compare quotes from other companies to find the most affordable option for your needs?


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