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SafeAuto vs. Shelter Insurance
Which insurance company is right for you? Compare rates, products, and quotes from SafeAuto and Shelter.
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SafeAuto vs. Shelter: What You Need to Know
SafeAuto is an independently owned property and casualty car insurance carrier based in Columbus, Ohio. Since 1993, SafeAuto has been specializing in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to provide a CFR to a court or state government agency. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance and more (see full list below). SafeAuto is a leader in direct-to-consumer, minimum-limit coverage across 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company has service call centers that are open at all hours, every day, including holidays. Customers can also access their insurance information easily using the SafeAuto Insurance Mobile App.
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 Safe Auto Overview and Shelter Overview.
Safe Auto vs. Shelter: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Safe Auto and Shelter. On average, Safe Auto charges approximately $313.90 per month while Shelter comes in at around $206.02 per month. For Safe Auto, the cheapest state average is Tennessee at $185.59 per month and the most expensive is Louisiana at $482.68 per month. For Shelter, the cheapest state average is Arkansas at $163.52 per month and the most expensive is Kentucky at $275.64 per month.
Average Rate
Average Rate
Average Rate
| State | Safe Auto | Shelter |
|---|---|---|
| Arizona | $239.28 | - |
| Arkansas | - | $163.52 |
| Illinois | $262.18 | - |
| Indiana | $200.44 | - |
| Kansas | $358.64 | $252.37 |
| Kentucky | $271.28 | $275.64 |
| Louisiana | $482.68 | - |
| Mississippi | $288.25 | $200.84 |
| Missouri | $297.90 | $212.25 |
| Nebraska | - | $247.11 |
| Oklahoma | $246.50 | $198.72 |
| Pennsylvania | $254.48 | - |
| South Carolina | $333.01 | - |
| Tennessee | $185.59 | - |
| Texas | $353.31 | - |
Safe Auto 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 Safe Auto and Shelter typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Safe Auto | Shelter |
|---|---|---|
| 1 Vehicle | $283.31 | $198.73 |
| 2 Vehicles | $455.39 | $253.99 |
Safe Auto vs. Shelter: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Safe Auto charges $327.58 per month and Shelter charges $195.03 per month for customers who own their home.
| Own/Rent | Safe Auto | Shelter |
|---|---|---|
| Own | $327.58 | $195.03 |
| Rent | $308.94 | $210.50 |
What is SafeAuto and Shelter Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Safeauto and Shelter ranked among the industry ratings.
| Comparison | SafeAuto | Shelter |
|---|---|---|
| Year Founded | 1993 | 1946 |
| Market Share | 1.8% | |
| A.M. Best Rating | A- | A |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | |
| NAIC Complaint Index | 1.74 | |
| NAIC Complaint Ratio | 0.36 (2013) |
SafeAuto or Shelter: Insurance Products Offered
What coverage is available through Safeauto and Shelter? Both insurance companies offer Auto, Commercial, Home, Life, Motorcycle, and Renters insurance. Additional products from Shelter insurance also includes Condo, Farm, RV, 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 Safe Auto and Shelter Insurance page.
| Insurance | SafeAuto | Shelter |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | |
| SR22/FR44 | ✔ | |
| Umbrella Insurance | ✔ |
SafeAuto or Shelter: Ways To Save
SafeAuto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Multi-vehicle discounts. In contrast, Shelter also offers a few discounts that SafeAuto doesn’t, including Window Identification System – Louisiana Residents, Safe Driver, and Pay in Full discounts. Start taking advantage of discounts offered by insurance providers like Shelter and Safeauto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| SafeAuto | Shelter |
|---|---|
| Driver Improvement Course Discounts | Accident Prevention Course Discount |
| Good Student Discount | Anti-Theft Discount - Kentucky and Illinois Residents |
| Homeowner Discount | Companion Life Discount |
| Multi-vehicle Discount | Companion Policy Discount |
| New Business Transfer | Driver Training Course Discount |
| Good Student Discount | |
| Military Discount | |
| Multi-car Discount | |
| Multi-coverage Discount - Nevada Residents | |
| Passive Restraint Discount | |
| Pay in Full Discount | |
| Safe Driver Discount | |
| Window Identification System Discount – Louisiana Residents |
Pros & Cons of SafeAuto & Shelter
Pros
SafeAuto
- Affordable state-minimum car insurance.
- R22, SR22A or FR44 as Certificate of Financial Responsibility available.
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
SafeAuto
- On average, premiums through SafeAuto cost more than some competitors.
Shelter
- The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
SafeAuto or Shelter Mobile Apps Options
The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.
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.
| SafeAuto Mobile App | ||
|---|---|---|
| iOS | 4.8 | 26.6K user reviews |
| Android | 1.8 | 45 user reviews |
| Shelter Mobile App | ||
|---|---|---|
| iOS | 2.3 | 35 user reviews |
| Android | 2.3 | 240 user reviews |
SafeAuto & Shelter Contact Info
| Safeauto Contact Info | |
|---|---|
| Address | 4 Easton Oval, Columbus, Ohio 43219 |
| Phone | 1 (614) 456-2940 |
| Website | https://www.safeauto.com |
| https://www.facebook.com/SafeAuto/ | |
| https://twitter.com/safeauto | |
| Youtube | https://www.youtube.com/c/safeauto |
| https://www.linkedin.com/company/safeauto-insurance-company/ | |
| 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.
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