Shelter vs. AAA Insurance

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

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Shelter vs. AAA: What You Need to Know

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.

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Shelter Overview and Auto Club Group Overview.

Shelter vs. Auto Club Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Shelter and Auto Club Group. On average, Shelter charges approximately $193.30 per month while Auto Club Group comes in at around $332.61 per month. For Shelter, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month. For Auto Club Group, the cheapest state average is Illinois at $257.84 per month and the most expensive is Michigan at $392.14 per month.


Average Rate

Auto Club Group

Average Rate


Average Rate

State Shelter Auto Club Group
Illinois- $257.84
Michigan- $392.14

Shelter vs. Auto Club Group: Rates by Number of Vehicle


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

Number of Vehicles Shelter Auto Club Group
1 Vehicle $187.10 $331.43

Shelter vs. Auto Club Group: Rates by Homeownership

Rates Are Not Currently Available

What is Shelter and AAA Insurance Rating?

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

Year Founded19461902
A.M. Best RatingAA-
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.36 (2013)0.53
S&P RatingA+

Shelter or AAA: Insurance Products Offered

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

Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Shelter or AAA: Ways To Save

AAA offers a wide range of discounts to its policyholders, including Good Student, Loyalty, and Multi-policy discounts. In contrast, Shelter also offers a few discounts that AAA 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 AAA and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Accident Prevention Course DiscountGood Driver Discount
Anti-Theft Discount - Kentucky and Illinois ResidentsGood Student Discount
Companion Life DiscountLoyalty Discount
Companion Policy DiscountMulti-policy Discount
Driver Training Course DiscountMulti-vehicle Discount
Good Student DiscountVerified Mileage 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 Shelter & AAA


  • 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.
  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.


  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
  • The annual fee for membership.
  • Membership required to buy car insurance.

Shelter or AAA Mobile Apps Options

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.

The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.

Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews
AAA Mobile App
iOS     4.66.4K user reviews
Android     4.34,061 user reviews

Shelter & AAA Contact Info

Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218
AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US

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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