Shelter vs. Hastings Mutual Insurance

Which insurance provider is right for you? Compare coverage, rates, and quotes from Shelter and Hastings Mutual.

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Shelter vs. Hastings Mutual: 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.

Hastings Mutual Company was founded in 1885 as Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company to help protect local residents against the tornados that had destroyed small communities of Hastings and other parts of Michigan. The company continued to grow over the years and expanded its business.

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 Hastings Mutual Insurance Co Overview.

Shelter vs. Hastings Mutual Insurance Co: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Shelter and Hastings Mutual Insurance Co. On average, Shelter charges approximately $218.32 per month while Hastings Mutual Insurance Co comes in at around $152.45 per month. For Shelter, the cheapest state average is Arkansas at $143.55 per month and the most expensive is Kentucky at $304.98 per month. For Hastings Mutual Insurance Co, the cheapest state average is Ohio at $106.48 per month and the most expensive is Illinois at $208.45 per month.

Shelter

Average Rate

$218.32
Hastings Mutual Insurance Co

Average Rate

$152.45
National

Average Rate

$119.96
State Shelter Hastings Mutual Insurance Co
Arkansas $143.55 -
Illinois- $208.45
Indiana- $129.26
Iowa- $107.95
Kansas $235.19 -
Kentucky $304.98 -
Michigan- $166.04
Mississippi $180.74 -
Missouri $197.14 -
Nebraska $201.02 -
Ohio- $106.48
Oklahoma $188.54 -
Wisconsin- $128.25

Shelter vs. Hastings Mutual Insurance Co: 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 Shelter and Hastings Mutual Insurance Co typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Shelter Hastings Mutual Insurance Co
1 Vehicle $203.86 $145.73
2 Vehicles $274.21 $178.75
3 Vehicles $ $250.02

Shelter vs. Hastings Mutual Insurance Co: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Shelter charges $205.19 per month and Hastings Mutual Insurance Co charges $136.68 per month for customers who own their home.

Own/Rent Shelter Hastings Mutual Insurance Co
Own $205.19 $136.68
Rent $224.49 $160.55

What is Shelter and Hastings Mutual Insurance Rating?

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

ComparisonShelterHastings Mutual
Year Founded19461885
Market Share0.2% (2018)
A.M. Best RatingAA
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbove Average
NAIC Complaint Ratio0.36 (2013)

Shelter or Hastings Mutual: Insurance Products Offered

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

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

Shelter or Hastings Mutual: Ways To Save

Hastings Mutual offers a wide range of discounts to its policyholders, including Claim Free, Defensive Driving, and Good Student discounts. In contrast, Shelter also offers a few discounts that Hastings Mutual 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 Hastings Mutual and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ShelterHastings Mutual
Accident Prevention Course DiscountAway at School Discount
Anti-Theft Discount - Kentucky and Illinois ResidentsClaim Free Discount
Companion Life DiscountDefensive Driving Discount
Companion Policy DiscountGood Student Discount
Driver Training Course DiscountMulti-car Discount
Good Student DiscountMulti-policy Discount
Military DiscountPaid in Full Discount
Multi-car DiscountPaperless Bills 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 & Hastings Mutual

Pros

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.
Hastings Mutual
  • Hastings Mutual Company focuses on providing A+ customer service and promoting strong relationships with its customers.
  • Established history: the company has 130 years of service and has built a good reputation among its customers.
  • It has affordable rates.
  • Offers Multi-Policy discounts.

Cons

Shelter
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
Hastings Mutual
  • Limited service: coverage is available in only 6 midwestern states across the US.
  • It doesn’t offer an online application, you need to call an agent for a quote.

Shelter or Hastings Mutual 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.

Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews
Hastings Mutual Mobile App
Hastings Mutual does not currently have a mobile app.

Shelter & Hastings Mutual Contact Info

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
Hastings Mutual Contact Info
Address404 E. Woodlawn Ave. Hastings, MI 49058
Phone1-800-442-8277
Websitehttps://www.hastingsmutual.com/
Facebookhttps://www.facebook.com/HastingsMutual/
Linkedinhttps://www.linkedin.com/company/hastings-mutual-insurance-company/

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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