Last Updated: 04/18/2025
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Financial Strength Rating
A(Verified 04/18/2025)
Shelter Auto Insurance Review
Shelter Insurance is a car insurance carrier based in Columbia, MO. The insurance company was founded in 1946 and offers car insurance in 14 states in the USA.
If you're considering whether Shelter car insurance is a good option for you, read on.
Shelter car insurance Pros & Cons
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Shelter car insurance FAQ
What types of car insurance coverage options does Shelter car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Shelter car insurance customers can also add the following riders or endorsements to their insurance policies:
- Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Shelter car insurance have roadside assistance?
Emergency Roadside Service available. Yes, Shelter Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.Does Shelter car insurance offer ridesharing insurance?
Ridesharing coverage available. : Yes, Shelter car insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.What benefits does Shelter car insurance offer?
Shelter car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
What insurance discounts does Shelter car insurance offer?
When you ask for an insurance quote with Shelter car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Internal Safety Features: Shelter car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Shelter car insurance.
How does Shelter Insurance calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Shelter Insurance is no exception. However, you can be confident that Shelter car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Shelter car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Shelter car insurance insurance quote
- Visit the Shelter Insurance website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Shelter car insurance
Hours of Operation
Sunday
Closed
Monday
7:00AM - 10:00PM
Tuesday
7:00AM - 10:00PM
Wednesday
7:00AM - 10:00PM
Thursday
7:00AM - 10:00PM
Friday
7:00AM - 10:00PM
Saturday
7:00AM - 10:00PM