Say Insurance Auto Insurance Review (2023)

Say Insurance auto insurance company sells auto policies almost entirely online and is owned by the Shelter General insurance brand of companies. Affordable Say Insurance auto insurance policies are available in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee. Currently, Say Insurance rates are not publicly available, but customers may save up to $1,126 per policy term by qualifying for auto insurance discounts.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Oct 2, 2022

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Company Details
Address: 1817 W. Broadway
City: Columbia
State: Missouri
ZIP Code: 65218
Phone Number: 18002255729
Year Founded: 2016
AM Best Rating: N/R
Company Rating 0 (0 reviews)

The Shelter General group of companies created the Say Insurance auto insurance company in 2016 to provide customers with fully online auto insurance policies.

You can only buy Say Insurance auto insurance if you live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee. The company does not plan to expand to other regions at any point in the future.

Say Insurance auto insurance quotes are heavily based on your driving record, making it an excellent option for safe drivers with flawless driving histories.

Keep reading this Say Insurance auto insurance review to learn more about the cost of Say Insurance, the claims center, and to compare customer and financial ratings to help you determine if this is the company for you.

Before discovering how to buy Say Insurance auto insurance, be sure you enter your ZIP code into our free quote comparison tool above to receive rates from the best companies in your region.

What is Say Insurance auto insurance company?

Shelter General started Say Insurance as a way to provide interested drivers with an easy-to-use, fully online auto insurance company.

The company now sells auto insurance policies in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennesee.

On the Say Insurance website, you can request a quote and buy a policy without ever needing to speak with an agent or customer service representative.

You can purchase most of the basic types of auto insurance coverage from Say Insurance, including liability, collision, and comprehensive coverage.

Plus, this company sells uninsured and underinsured motorist protection, medical payments (MedPay) coverage, and personal injury protection (PIP) insurance in select states.

For optional policy add-ons, you can include rental car reimbursement and new car replacement coverage for an additional cost.

As a customer benefit, all Say Insurance auto policies include roadside assistance services and a minor accident forgiveness policy.

Say Insurance forgives your first at-fault accident with damages costing less than $1,000.

Typically, these benefits come with an additional cost, making them great complementary add-ons for Say Insurance customers.

Say Insurance operates almost entirely online, and the company offers a newly renovated mobile app to drivers. The app is compatible with most Android and Apple devices.

You can create your My Say account, access your ID cards, pay your bills, file claims, make policy changes, and more within the app.

As mentioned above, this company heavily bases your quote on your driving record. So people with perfect driving records should consider adding Say Insurance to their comparison shopping lists.

However, other factors still impact your Say Insurance costs, like your age, ZIP code, and car make and model.

But if you’re a high-risk driver or have a poor driving history, know that this company may not offer you your cheapest rates.

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How do you get a Say Insurance auto insurance quote?

Requesting Say Insurance auto insurance quotes is as easy as visiting the company website.

Then, you use one of the online quote tools to complete your application. The entire process should take around five minutes.

But if you prefer speaking with an agent directly, you can also call the Say Insurance customer service phone number to request a quote.

The customer service office is open on weekdays between 8 a.m. and 10 p.m and on Saturdays from 9 a.m. to 5:30 p.m. central time, but it’s closed on Sundays.

Remember, Say Insurance weighs your driving record heavily while calculating your auto insurance quotes.

So if you receive a higher than average rate or are denied using the online quote tool, it means the system decided Say Insurance is not a good match for you.

If this occurs, you may contact the Say Insurance customer service team for more information about the decision.

What is the average cost of Say Insurance auto insurance?

Currently, Say Insurance auto insurance rates are not publically available.

However, sources suggest that the average annual cost for basic coverage from Shelter General, the parent company, is $655, and full coverage auto insurance costs $2,199 on average.

Because Shelter General owns Say Insurance, it’s possible costs from the two companies may look similar.

You can also compare your Say Insurance quoted rate to the average cost of auto insurance in the state where you live.

The table below compares the average annual auto insurance costs in the six states where Say Insurance sells policies, as reported by the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State
StatesAverage Annual Auto Insurance Expenditures
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No matter what company you use for coverage, many variables impact your auto insurance costs, including your age, driving record, coverage needs, and ZIP code.

So to truly secure your lowest costs, compare quotes from more than one of the best auto insurance companies and choose the policy most compatible with your individual needs.

How do you file auto insurance claims with Say Insurance?

There are multiple convenient ways to file a Say Insurance auto insurance claim. For example, you may use the mobile app, the company website, or contact the claims center by phone 24 hours a day.

Once your claim is submitted, the contact information for the adjuster assigned to your case appears in your My Say account and mobile app for more accessible communication.

Before completing any repairs, be sure you approve of your estimate from your adjuster. They will also help you through any payment processes, including vehicle repairs and medical costs.

There’s even more good news. Real Say Insurance customers highly rate the claims process.

According to a survey sent to all new customers in January of 2021, the claims department earned a 90% satisfaction rating.

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What auto insurance discounts does Say Insurance offer?

Say Insurance provides drivers with many stackable auto insurance discounts that lead to some substantial savings.

Customers have the opportunity to save between $6.60 and $1,126 per policy term by qualifying for the various rate reductions.

According to the company website, Say Insurance drivers saved an average of $205.36 annually by earning policy discounts.

Check out the table below to see exactly what discounts Say Insurance provides, what part of your policy it applies to, and how much you might save.

Say Insurance Auto Insurance Discounts
Discount NamePotential Rate ReductionPolicy Types Reduced by DiscountStates Where Available
Advance purchase discount10%Full policyCO, IL, IN, KS, MO, TN
Anti-theft discount15%Comprehensive coverageIL
Continuous insurance discount10%Full policyCO, IL, IN, KS, MO, TN
Defensive driving course discount10%Liability, Medical Payments, and Collision coverageCO, IL, IN, KS, TN
Paperless discount10%Full policyCO, IL, IN, KS, MO, TN
Pay-in-full discount10%Full policyCO, IL, IN, KS, MO, TN
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According to the company website, you can also earn savings by adding multiple cars to your auto policy. However, details about how much you might save and how many cars you must add are unavailable.

Contact a customer service representative for more details about what saving opportunities Say Insurance can offer you.

How are the ratings and reviews for Say Insurance?

Looking at an insurance company’s customer ratings and financial reviews helps you decide if the company is efficient and worth working with before paying for an actual policy.

However, Say Insurance has not yet been rated by A.M. Best, one of the leading credit rating agencies.

Because we don’t have a score for Say Insurance we’ll look at the raings for Shelter General, its parent company.

Shelter General earned an A.M. Best score of A (Excellent), implying that it is in a solid financial position and can follow through in its obligations to policyholders.

For customer reviews, Say Insurance is Better Business Bureau (BBB) accredited and received an A+ score. Plus, it earned a handful of positive online reviews.

However, Shelter General currently has a complaint index of 5.56, as recorded by the National Association of Insurance Commissioners (NAIC).

In this case, the median is always set to 1.00, and the lower the score, the better.

So a 5.56 implies that Shelter General receives substantially more customer complaints than the median.

Because Shelter General owns Say Insurance, it’s vital you keep these reviews in mind while you comparison shop for your best auto insurance coverage.

What other insurance products does Say Insurance provide?

Say Insurance only focuses on selling online auto insurance policies in order to provide the most efficient and affordable coverage possible.

Therefore, the company does not plan to offer any other insurance types in the future.

However, its parent company, Shelter General, does sell other insurance lines through other subsidiaries. As a result, availability is limited by state.

Products include life, motorcycle, personal umbrella, business insurance, and more.

Don’t forget that you must live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee to purchase auto insurance from this company. Otherwise, you’ll need to look into other companies for your best coverage.

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What is the history of Say Insurance?

Shelter General started Say Insurance in 2016 to address an increase in the desire for auto insurance companies that operate entirely online.

While Say Insurance is relatively new to the insurance world, its parent company has been in business since 1946.

Originally, Shelter General sold auto insurance policies only in Missouri.

However, over the next 40 years, the company quickly expanded into 22 different states and began offering additional insurance lines. By the 1980s, the company was worth $1 billion.

New Link Destination
day, Randa Rawlins acts as the Say Insurance and Shelter General president. Say Insurance underwrites policies in six states with no plans to expand to other regions.

Say Insurance Auto Insurance: The Bottom Line

Ultimately, Say Insurance is excellent for safe drivers who live in one of the six states where this company operates.

Not only do you get free roadside assistance and accident forgiveness, but you also gain access to several stackable discounts leading to significant savings.

Plus, this company is ideal for those who prefer using online tools and offers a newly renovated app that can answer almost all of your policy questions.

Unfortunately, high-risk individuals and people with poor driving records likely will not earn their best rates from Say Insurance and may need to look into other companies for coverage.

Similarly, this company is limited to only six states and does not plan to expand to other regions at any point in the future.

You’ve learned all about affordable Say Insurance auto insurance. Find the best coverage for you from the top companies for free by entering your ZIP code into our rate comparison tool below.

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