- About us
- Agent Login
- 855.214.2291
Erie vs. Shelter Insurance
Which insurance carrier is right for you? Compare cost, discounts, and quotes from Erie and Shelter.
Compare Car Insurance Rates in Your Area
Erie vs. Shelter: What You Need to Know
Erie Insurance Exchange was founded in 1925 by H.O. Hirt and O.G. Crawford, in the city of Erie, Pennsylvania. H.O. Hirt hoped to create a company based on superior service using the mantra, “The ERIE is Above all in sERvIcE,” with the letters "E-R-I-E" raised in capitals out of the word“service.” It still remains the company tagline today. Three years after being established, the company was doing so well that it expanded its business by opening its first office outside Erie, in Pittsburgh. By 1934, the company created the “Super Standard Auto Policy,” which was used as a model for other insurance companies across the country. The company later expanded its product portfolio into a home, business and in the year 1967, Erie Family Life Insurance Company was formed, offering life insurance to consumers. Erie Indemnity Company was registered with the Securities and Exchange Commission in 1994 and in the following year it was listed on NASDAQ. Today, Erie Insurance Company ranks number 381 on the 2019 FORTUNE500® list and has over 5,000 employees and 12,000 independent agents. Also, the company ranks highest among auto insurers in providing a satisfying purchase experience, with a score of 917 (on a 1,000-point scale).
Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Erie Overview and Shelter Overview.
Erie vs. Shelter: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Erie and Shelter. On average, Erie charges approximately $121.07 per month while Shelter comes in at around $207.25 per month. For Erie, the cheapest state average is Ohio at $75.32 per month and the most expensive is Maryland at $190.79 per month. For Shelter, the cheapest state average is Arkansas at $161.99 per month and the most expensive is Kentucky at $278.18 per month.
Average Rate
Average Rate
Average Rate
| State | Erie | Shelter |
|---|---|---|
| Arkansas | - | $161.99 |
| Kansas | - | $250.39 |
| Kentucky | - | $278.18 |
| Maryland | $190.79 | - |
| Mississippi | - | $206.54 |
| Missouri | - | $210.46 |
| Nebraska | - | $242.61 |
| New York | $138.78 | - |
| North Carolina | $81.04 | - |
| Ohio | $75.32 | - |
| Oklahoma | - | $206.76 |
| Pennsylvania | $118.56 | - |
| Tennessee | $117.54 | - |
| Virginia | $94.00 | - |
| West Virginia | $109.60 | - |
| Wisconsin | $111.12 | - |
Erie vs. Shelter: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Erie and Shelter typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Erie | Shelter |
|---|---|---|
| 1 Vehicle | $118.70 | $199.62 |
| 2 Vehicles | $141.78 | $254.54 |
Erie vs. Shelter: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Erie charges $126.15 per month and Shelter charges $196.39 per month for customers who own their home.
| Own/Rent | Erie | Shelter |
|---|---|---|
| Own | $126.15 | $196.39 |
| Rent | $119.91 | $211.81 |
What is Erie and Shelter Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Erie and Shelter ranked among the industry ratings.
| Comparison | Erie | Shelter |
|---|---|---|
| Year Founded | 1925 | 1946 |
| Market Share | 1.29 | |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.22 | 0.36 (2013) |
Erie or Shelter: Insurance Products Offered
What coverage is available through Erie and Shelter? Both insurance companies offer Auto, Commercial, Condo, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from Shelter insurance also includes Farm and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Erie and Shelter Insurance page.
| Insurance | Erie | Shelter |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ |
Erie or Shelter: Ways To Save
Shelter offers a wide range of discounts to its policyholders, including Anti-Theft - Kentucky and Illinois Residents, Companion Life, and Companion Policy discounts. In contrast, Erie also offers a few discounts that Shelter doesn’t include Young Driver Loyalty, Teen Driver, and Student discounts. Start taking advantage of discounts offered by insurance providers like Shelter and Erie insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Erie | Shelter |
|---|---|
| Advance Quote Discount | Accident Prevention Course Discount |
| Age 55 Discount | Anti-Theft Discount - Kentucky and Illinois Residents |
| Driver Training Discount | Companion Life Discount |
| Multi-Policy Discount | Companion Policy Discount |
| Multi-Vehicle Discount | Driver Training Course Discount |
| New Vehicle Discount | Good Student Discount |
| Paid in Full Discount | Military Discount |
| Prior Bodily Injury Limits (BIL) Discount | Multi-car Discount |
| Reduced Usage Discount | Multi-coverage Discount - Nevada Residents |
| Safe Driver Discount | Passive Restraint Discount |
| Safety Features Discount | Pay in Full Discount |
| Student Discount | Safe Driver Discount |
| Teen Driver Discount | Window Identification System Discount – Louisiana Residents |
| Young Driver Loyalty Discount |
Pros & Cons of Erie & Shelter
Pros
Erie
- Erie Insurance is well-known for its competitive price and excellent claims service.
- It has fewer customer complaints than the industry median, relative to its size.
- Offers 12-month premium quotes
- Multiple discounts available
- It locks in your auto insurance rate, so your premium won’t change unless you add or remove drivers or cars.
Shelter
- Shelter Insurance offers personalized service through a network of more than 1,400 agents.
- The company has a few customer's complaints, which indicates high satisfaction.
- You can start your claims online or by phone.
Cons
Erie
- It doesn’t accept claims online, only by phone.
- It offers its products in only 12 states.
Shelter
- The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
Erie or Shelter Mobile Apps Options
The Erie Insurance mobile app is available for iOS and Android.
The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.
| Erie Mobile App | ||
|---|---|---|
| iOS | 3.3 | 18 user reviews |
| Android | 3.8 | 19 user reviews |
| Shelter Mobile App | ||
|---|---|---|
| iOS | 2.3 | 35 user reviews |
| Android | 2.3 | 240 user reviews |
Erie & Shelter Contact Info
| Erie Contact Info | |
|---|---|
| Address | 100 Erie Insurance Place, PA 16530 |
| Phone | 1-800-458-0811 |
| Website | https://www.erieinsurance.com/ |
| https://www.facebook.com/erieinsurance/ | |
| https://twitter.com/erie_insurance | |
| Youtube | https://www.youtube.com/user/ErieInsurance |
| https://www.linkedin.com/company/erie-insurance-group/ | |
| Shelter Contact Info | |
|---|---|
| Address | 1817 West Broadway - Columbia, MO 65218 |
| Phone | 1-800-743-5837 |
| Website | https://www.shelterinsurance.com/ |
| https://www.facebook.com/ShelterInsurance/ | |
| https://twitter.com/Shelter_ins/ | |
| https://www.linkedin.com/company/shelter-insurance-companies/ | |
| Youtube | https://www.youtube.com/user/ShelterIns |
| https://www.instagram.com/shelter_ins/ | |
| https://www.pinterest.com/shelterins/ | |
| Vimeo | https://vimeo.com/user48805731 |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
Compare Insurance Rates for Free.
Answer a few questions and let Penny find the best rates in your area.