Erie vs. Shelter Insurance

Which insurance carrier is right for you? Compare cost, discounts, and quotes from Erie and Shelter.

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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?

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Erie vs. Shelter: Rates by Number of Vehicle

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Erie vs. Shelter: Rates by Homeownership

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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.

Year Founded19251946
Market Share1.29
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.220.36 (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.

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.

Advance Quote DiscountAccident Prevention Course Discount
Age 55 DiscountAnti-Theft Discount - Kentucky and Illinois Residents
Driver Training DiscountCompanion Life Discount
Multi-Policy DiscountCompanion Policy Discount
Multi-Vehicle DiscountDriver Training Course Discount
New Vehicle DiscountGood Student Discount
Paid in Full DiscountMilitary Discount
Prior Bodily Injury Limits (BIL) DiscountMulti-car Discount
Reduced Usage DiscountMulti-coverage Discount - Nevada Residents
Safe Driver DiscountPassive Restraint Discount
Safety Features DiscountPay in Full Discount
Student DiscountSafe Driver Discount
Teen Driver DiscountWindow Identification System Discount – Louisiana Residents
Young Driver Loyalty Discount

Pros & Cons of Erie & Shelter


  • 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 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.


  • It doesn’t accept claims online, only by phone.
  • It offers its products in only 12 states.
  • 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     3.318 user reviews
Android     3.819 user reviews
Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews

Erie & Shelter Contact Info

Erie Contact Info
Address100 Erie Insurance Place, PA 16530
Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218

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.

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