Shelter was founded in 1946 and provides insurance in 15 states.
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.
The company’s growth and expansion over the years resulted in an increased product portfolio and by 1959, MFA Life Insurance Company was founded. Three years later, its sales territory expanded into 9 states across the U.S and by that time it was serving its policyholders through 13 branch claims offices. During the 1970s the company continued to improve its facilities and thousands of people joined the dedication ceremony for MFA Insurance Gardens on the grounds of the headquarters office. Now Shelter Insurance Gardens, the award-winning five-acre gardens became a nice and favorite place for people to relax and enjoy nature.
By 1981, the company developed a new identity, turning away from Missouri Farmers Association and changing its emblem to the “Shield of Shelter” and eventually adopting the new name, Shelter Insurance. The new branding had a positive impact: Shelter Life Insurance reached $2 billion in life insurance and went international, inviting clients worldwide to do business with the company. Today, Shelter Insurance is one of the top regional insurance companies in the country and has more than 1,400 licensed agents covering 15 states, including Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. The company constantly receives high ratings from A.M Best Company, which indicates financial stability.
|NAIC Complaint Ratio||0.36 (2013)|
|iOS||2.3||35 user reviews|
|Android||2.3||240 user reviews|
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.
You can look for an agent near you on Shelter’s website. The company has more than 1,400 insurance agents across 15 states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee.
Shelter Insurance offers roadside assistance at no additional cost. It’s a service available 24/7 and pays for services up to $100 per incident. Call 1-855-817-6510, if you need any of these services:
Comprehensive coverage with Shelter Auto Insurance helps you pay to repair or replace your vehicle for most causes not covered by collision coverage. Common perils covered by comprehensive coverage:
When you purchase this kind of coverage you choose a deductible amount. Comprehensive coverage is optional in all states.
JD Power & Associates 2013 customer satisfaction report listed Shelter as having the third-highest level of satisfaction amongst policyholders in the entire Central Region, just behind State Farm and Auto-Owners Insurance.
Shelter Insurance operates in 15 states including: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, and Tennessee. The companies headquarter is in Columbia, Missouri.
Yes, Shelter Insurance offers rental reimbursement, which pays for the cost of renting reliable transportation while your car is being repaired after an accident. It may apply in the case of theft.
Shelter Insurance offers you a variety of discounts including:
The Shelter offers a Driver Training Course discount, which can reduce premiums if every driver in the household under age 21 has completed an approved driver’s education course.
Shelter Insurance doesn’t offer accident forgiveness.
Shelter Insurance ranks as "Highest in Customer Satisfaction among Auto Insurers in the Central Region" by J.D. Power, in 2019. The company has been a Better Business Bureau accredited business since 2000 and has an A+ rating with BBB. Also, it has an A rating with A.M. Best.
No, Shelter Insurance doesn’t offer health insurance. However, the company offers an extensive list of products.
How to get discounts with Shelter Business Insurance? Shelter Insurance offers you an extensive list of discounts, including:
Shelter Business owners insurance offers the following coverage options:
Other coverage options such as: debris removal, off-premise coverage, trees, shrubs, plants, extra expense coverage, personal effects, accounts receivable, valuable papers and records, fire extinguisher recharge, transportation, elevator collision, fire department charges, emergency removal, seasonal automatic increases, theft damages to buildings, personal property of others in your care and personal injury
Junior Special Life Insurance guarantees your child the ability to secure coverage as adults, even if they develop health problems after childhood. Here is what is provided by this type of insurance: Up to $20,000 of coverage until age 26 with a one-time premium payment. Coverage for children or grandchildren age 17 and younger. Coverage conversion at age 25 to a permanent life insurance policy with up to five times the original face value.
|Auto Insurance||Business Auto Insurance|
|Motorcycle Insurance||Renters Insurance|
|RV Insurance||ATV Insurance|
|Boat Insurance||Life Insurance|
|Farm Insurance||Home Insurance|
|Mobile Home Insurance||Condo Insurance|
|Dwelling Fire Insurance||Flood Insurance|
|Umbrella Insurance||Business Owners Insurance|
|Personal Articles Insurance|
This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.
This form of coverage is required in every state. It covers property damage and loss of use to a third party.
This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.
This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.
his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
This protection covers you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.
This coverage takes care of renting a vehicle while yours is being repaired.
This coverage helps you get back and driving if you have a roadside breakdown. Covers the costs of towing and labor.
This coverage pays for the difference between payout of collision coverage and the amount you still owe on your financed car.
This coverage provides a single payment to cover living expenses that arise from being without your car.
This form of coverage pays out if you or your spouse dies in a car accident or after being struck by a car.
This coverage helps you pay a weekly stipend up to a year, in case of an accident leaves you out of work.
|Safe Driver Discount||Good Student Discount|
|Pay in Full Discount||Multi-car Discount|
|Companion Policy Discount||Companion Life Discount|
|Passive Restraint Discount||Accident Prevention Course Discount|
|Military Discount||Anti-Theft Discount - Kentucky and Illinois Residents|
|Window Identification System Discount – Louisiana Residents||Multi-coverage Discount - Nevada Residents|
|Driver Training Course Discount|
Below is a list of the average rates that drivers typically pay with Shelter. On average, Shelter charges approximately $195.21 per month. The cheapest state average is Arkansas at $138.29 per month followed by at $146.22 per month. The most expensive state average is Kentucky at $262.95 per month.
|State||Avg monthly rate|
|State||Avg monthly rate|
Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Shelter charges for drivers who have more than 1 vehicle.
|Number of Vehicles||Avg Monthly Rate|
Customers who own their home rather than rent can sometimes get a small discount. We found that on average Shelter charges $181.60 per month for drivers who own their home and $201.33 per month for those who rent.
|Own/Rent||Avg Monthly Rate|
|Address||1817 West Broadway - Columbia, MO 65218|
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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