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 $270.32 per month while Shelter comes in at around $217.77 per month. For Safe Auto, the cheapest state average is Tennessee at $156.47 per month and the most expensive is Louisiana at $405.30 per month. For Shelter, the cheapest state average is Arkansas at $145.98 per month and the most expensive is Kentucky at $305.00 per month.

Safe Auto

Average Rate

$270.32
Shelter

Average Rate

$217.77
National

Average Rate

$119.16
State Safe Auto Shelter
Arizona $227.78 -
Arkansas- $145.98
Illinois $211.41 -
Indiana $202.27 -
Kansas $235.03 $232.29
Kentucky $245.29 $305.00
Louisiana $405.30 -
Mississippi $263.50 $180.23
Missouri $247.08 $191.47
Nebraska- $200.05
Oklahoma $244.77 $182.80
Pennsylvania $279.68 -
South Carolina $285.45 -
Tennessee $156.47 -
Texas $320.56 -
Virginia $176.89 -

Safe Auto 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 Safe Auto and Shelter typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Safe Auto Shelter
1 Vehicle $242.17 $203.09
2 Vehicles $356.53 $272.24
3 Vehicles $582.25 $
4 Vehicles $934.58 $

Safe Auto 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 Safe Auto charges $264.34 per month and Shelter charges $204.95 per month for customers who own their home.

Own/Rent Safe Auto Shelter
Own $264.34 $204.95
Rent $273.57 $224.15

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.

ComparisonSafeAutoShelter
Year Founded19931946
Market Share1.8%
A.M. Best RatingA-A
BBB RatingA+A+
Financial StrengthExcellent
NAIC Complaint Index1.74
NAIC Complaint Ratio0.36 (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.

InsuranceSafeAutoShelter
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.

SafeAutoShelter
Driver Improvement Course DiscountsAccident Prevention Course Discount
Good Student DiscountAnti-Theft Discount - Kentucky and Illinois Residents
Homeowner DiscountCompanion Life Discount
Multi-vehicle DiscountCompanion Policy Discount
New Business TransferDriver 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     4.826.6K user reviews
Android     1.845 user reviews
Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews

SafeAuto & Shelter Contact Info

SafeAuto Contact Info
Address4 Easton Oval, Columbus, Ohio 43219
Phone1 (614) 456-2940
Websitewww.safeauto.com
Facebookhttps://www.facebook.com/SafeAuto/
Twitterhttps://twitter.com/safeauto
Youtubehttps://www.youtube.com/channel/SafeAuto
Linkedinhttps://www.linkedin.com/company/safeauto-insurance-company/
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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