Sentry vs. Shelter Insurance

Which insurance provider is right for you? Compare plans, rates, and quotes from Sentry and Shelter.

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Sentry vs. Shelter: What You Need to Know

Sentry insurance specializes in business insurance and its subsidiary, Dairyland, sells high-risk car insurance, which includes SR-22 and FR-44 filings.

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 Sentry Overview and Shelter Overview.

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

Below is a list of the average rates that drivers typically pay with Sentry and Shelter. On average, Sentry charges approximately $261.27 per month while Shelter comes in at around $214.72 per month. For Sentry, the cheapest state average is Idaho at $150.22 per month and the most expensive is Delaware at $480.43 per month. For Shelter, the cheapest state average is Arkansas at $144.47 per month and the most expensive is Kentucky at $301.99 per month.

Sentry

Average Rate

$261.27
Shelter

Average Rate

$214.72
National

Average Rate

$117.62
State Sentry Shelter
Arkansas $247.64 $144.47
Delaware $480.43 -
Idaho $150.22 -
Iowa $153.57 -
Kansas- $228.49
Kentucky- $301.99
Mississippi- $174.91
Missouri- $183.57
Nebraska- $205.21
Oklahoma- $176.17
Oregon $267.46 -
Pennsylvania $314.20 -
Washington $230.39 -
West Virginia $327.43 -
Wisconsin $182.92 -

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

Number of Vehicles Sentry Shelter
1 Vehicle $249.09 $201.17
2 Vehicles $300.46 $271.06

Sentry 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 Sentry charges $247.38 per month and Shelter charges $197.28 per month for customers who own their home.

Own/Rent Sentry Shelter
Own $247.38 $197.28
Rent $270.11 $224.02

What is Sentry and Shelter Insurance Rating?

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

ComparisonSentryShelter
Year Founded19041946
A.M. Best RatingA+A
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.36 (2013)

Sentry or Shelter: Insurance Products Offered

What coverage is available through Sentry and Shelter? Both insurance companies offer Auto, Commercial, Home, and Life insurance. Additional products from Shelter insurance also includes Condo, Farm, Motorcycle, Renters, 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 Sentry and Shelter Insurance page.

InsuranceSentryShelter
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

Sentry or Shelter: Ways To Save

Sentry offers a wide range of discounts to its policyholders, including Homeowners, Multi-vehicle, and Payment Frequencys discounts. In contrast, Shelter also offers a few discounts that Sentry 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 Sentry insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

SentryShelter
Driving Course DiscountsAccident Prevention Course Discount
Homeowners DiscountAnti-Theft Discount - Kentucky and Illinois Residents
Multi-vehicle DiscountCompanion Life Discount
Payment Frequency DiscountsCompanion Policy Discount
Transfer DiscountDriver Training Course Discount
Vehicle Safety Feature DiscountsGood 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 Sentry & Shelter

Pros

Sentry
  • Sentry offers a comprehensive suite of business insurance products.
  • Sentry offers high-risk insurance through Dairyland Insurance.
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

Sentry
  • Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.
Shelter
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.

Sentry or Shelter Mobile Apps Options

The Sentry Mobile parking app is available for iOS and Android. The app interacts with your parking meter in real-time and lets you buy time on an MPS parking meter. You can also access a map of nearby meters and parking space availability.

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.

Sentry Mobile App
iOS     2.75 user reviews
Android     3.18 user reviews
Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews

Sentry & Shelter Contact Info

Sentry Contact Info
Address1800 North Point Drive, Stevens Point, WI 54481
Phone1 (800) 473-6879
Websitehttps://www.sentry.com/
Facebookhttps://www.facebook.com/SentryInsurance/
Twitterhttps://twitter.com/SentryInsurance
Youtubehttps://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ
Linkedinhttps://www.linkedin.com/company/sentry/
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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