Esurance vs. Shelter Insurance

Which insurance provider is right for you? Compare pros & cons, savings, and quotes from Esurance and Shelter.

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Esurance vs. Shelter: What You Need to Know

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

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 Esurance Overview and Shelter Overview.

Esurance vs. Shelter: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Esurance and Shelter. On average, Esurance charges approximately $251.09 per month while Shelter comes in at around $217.52 per month. For Esurance, the cheapest state average is Utah at $124.72 per month and the most expensive is New York at $502.24 per month. For Shelter, the cheapest state average is Arkansas at $143.59 per month and the most expensive is Kentucky at $304.85 per month.

Esurance

Average Rate

$251.09
Shelter

Average Rate

$217.52
National

Average Rate

$120.11
State Esurance Shelter
Arizona $159.77 -
Arkansas- $143.59
California $143.35 -
Colorado $173.01 -
Illinois $137.63 -
Kansas- $235.09
Kentucky- $304.85
Maryland $356.29 -
Michigan $272.86 -
Mississippi- $180.91
Missouri- $197.24
Nebraska- $198.96
New Jersey $239.78 -
New York $502.24 -
Oklahoma- $187.56
Pennsylvania $203.80 -
Texas $194.03 -
Utah $124.72 -

Esurance vs. Shelter: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Esurance and Shelter typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Esurance Shelter
1 Vehicle $243.68 $203.29
2 Vehicles $281.05 $273.63
3 Vehicles $428.04 $
4 Vehicles $526.36 $

Esurance vs. Shelter: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $217.35 per month and Shelter charges $204.69 per month for customers who own their home.

Own/Rent Esurance Shelter
Own $217.35 $204.69
Rent $263.98 $223.51

What is Esurance and Shelter Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Esurance and Shelter ranked among the industry ratings.

ComparisonEsuranceShelter
Year Founded19991946
A.M. Best RatingA+A
BBB RatingA-A+
Financial StrengthAbove AverageExcellent
NAIC Complaint Ratio1.140.36 (2013)
S&P RatingAA-

Esurance or Shelter: Insurance Products Offered

What coverage is available through Esurance and Shelter? Both insurance companies offer Auto, Commercial, Condo, Home, Life, Motorcycle, Renters, RV, and Umbrella insurance. Additional products from Esurance insurance also includes Health and Pet insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Esurance and Shelter Insurance page.

InsuranceEsuranceShelter
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Esurance 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. Whereas, Esurance also offers a few discounts that Shelter doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Shelter and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EsuranceShelter
Anti-lock Brakes DiscountAccident Prevention Course Discount
Anti-theft DiscountAnti-Theft Discount - Kentucky and Illinois Residents
Claim-free DiscountCompanion Life Discount
Defensive Driver DiscountCompanion Policy Discount
Emergency Road Assistance DiscountDriver Training Course Discount
Fast 5 Discount®Good Student Discount
Good Driver DiscountMilitary Discount
Good Student DiscountMulti-car Discount
Homeowners DiscountMulti-coverage Discount - Nevada Residents
Multi-car DiscountPassive Restraint Discount
Multi-policy DiscountPay in Full Discount
Online Shopper® DiscountSafe Driver Discount
Paid-in-full DiscountWindow Identification System Discount – Louisiana Residents
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Esurance & Shelter

Pros

Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.
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

Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico
Shelter
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.

Esurance or Shelter Mobile Apps Options

The Esurance 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.

Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews
Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews

Esurance & Shelter Contact Info

Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/
Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218
Phone1-800-743-5837
Websitehttps://www.shelterinsurance.com/
Facebookhttps://www.facebook.com/ShelterInsurance/
Twitterhttps://twitter.com/Shelter_ins/
Linkedinhttps://www.linkedin.com/company/shelter-insurance-companies/
Youtubehttps://www.youtube.com/user/ShelterIns
Instagramhttps://www.instagram.com/shelter_ins/
Pinteresthttps://www.pinterest.com/shelterins/
Vimeohttps://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.

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