Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Short of It

  • Shelter General owns Say Insurance
  • This company focuses on selling auto insurance policies entirely online
  • Say Insurance only operates in six states and does not plan to expand to other places in the future

In 2016, Shelter General created the Say Insurance auto insurance company to address customers’ desire for online auto insurance policies.

The company now operates in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee, with no plans of expanding to other regions in the future.

While many different factors impact your Say Insurance auto insurance quotes, the company heavily weighs your driving record. So this company is ideal for safe drivers with flawless records.

Keep reading this Say Insurance auto insurance review to learn about requesting a quote, the claims process, and what auto insurance coverage this company offers to determine if Say Insurance is right for you.

Before reading about affordable Say Insurance auto insurance, don’t forget to enter your ZIP code into our free rate comparison tool above to compare quotes from the best companies in your region.

What is Say Insurance auto insurance company?

Shelter General started Say Insurance auto insurance company to provide an online auto insurance option to interested customers.

However, this company is regionally limited and does not plan to expand to other regions in the future.

Currently, you can only buy Say Insurance auto insurance in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

You can secure a policy, download the app, and get coverage entirely online without ever interacting with an agent.

Fortunately, you can purchase all of the basic auto insurance coverages from this company. Besides liability, collision, and comprehensive coverage, Say Insurance offers underinsured and uninsured motorist protection.

You can also purchase medical payments (MedPay) coverage and personal injury protection (PIP) insurance in some states.

Plus, for an additional fee, you can choose to add rental car reimbursement and new car replacement coverage to your policy.

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

This company forgives your first at-fault accident as long as damages cost less than $1,000.

These are typically policy add-ons that come with an additional cost, making these great benefits for Say Insurance customers.

Since Say Insurance operates almost entirely online, you have the option of downloading a newly renovated mobile app after you become a Say Insurance customer. The app is compatible with most Android and Apple devices.

In addition, you can create your My Say account, pay your bills, access ID cards or roadside assistance, make policy changes, and more within the app.

While many different factors impact your Say Insurance auto insurance quotes, this company heavily weighs your driving record.

In fact, high-risk drivers or people with poor driving records may be denied coverage using one of the company’s online quote tools.

So while Say Insurance is ideal for safe drivers, those with poor driving records or high-risk groups like teenagers or new drivers may not earn the best possible rates from this company.

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How do you request Say Insurance auto insurance quotes?

Fortunately, requesting Say Insurance auto insurance quotes is fast and straightforward.

Visit the company website and use one of the online quote tools to start your application. The whole process takes around five minutes.

Plus, you can also call the Say Insurance customer service team to request a quote over the phone.

The customer service office is available by phone on weekdays from 8 a.m. to 10 p.m. and from 9 a.m. until 5:30 p.m. central time on Saturdays. However, it is closed on Sundays.

Your auto insurance rates are based on many different variables, including your age, ZIP code, coverage needs, and car make and model.

But at Say Insurance, your driving record also heavily impacts your overall costs. If you receive a very high quote or are denied using the online quote tool, it means the system determined Say Insurance is not a good match for you.

So if this happens, it’s likely because of your driving record. You may contact the customer service department during operational business hours for more information about the decision.

What are the average Say Insurance auto insurance rates?

At this time, Say Insurance auto insurance rates are not publically available.

However, sources suggest that rates from the parent company, Shelter General, average $655 for basic policies and $2,199 for full coverage auto insurance.

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

Plus, if you do request a Say Insurance quote, you can compare it to the average cost of auto insurance in the state where you live.

The table below compares the average annual auto insurance expenditures in the six states where Say Insurance operates, as recorded by the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State
StatesAverage Annual Auto Insurance Expenditures
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Don’t forget, many different variables affect your auto insurance rates, including your age, driving record, ZIP code, coverage needs, and even the make and model of the car you drive.

So to truly secure your best possible coverage, compare quotes from more than one of the top auto insurance companies and choose the one most compatible with your unique needs.

How do you file a Say Insurance auto insurance claim?

Fortunately, filing an auto insurance claim through Say Insurance is convenient and highly rated by real customers.

Based on a Say Insurance survey sent to all new customers in January of 2021, the claims center earned a 90% satisfaction rating.

You can use your mobile app, access the company website, or call the claims center by phone 24 hours a day.

Plus, after your claim is submitted, the contact information for the adjuster assigned to your case appears directly in your My Say account and mobile app. This makes communication throughout the process very easy.

Just ensure you get and approve of your estimate before completing any repairs. Your adjuster also helps you through any payment processes, including vehicle repairs or medical costs.

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Does Say Insurance offer any auto insurance discounts?

Say Insurance offers many different stackable auto insurance discounts to drivers.

While availability is limited by state and coverage type, drivers can save between $6.60 and $1,126 per term by qualifying for rate reductions.

Plus, in October of 2020, real Say Insurance drivers saved an average of $205.36 in policy discounts.

The table below provides you with more details about all discounts available from Say Insurance, how much you might save, and what portion of your policy it applies to.

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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The Say Insurance website also mentions a multi-car discount and claims that adding multiple vehicles to your policy reduces your overall rates.

However, further details about this savings opportunity are not provided.

Contact a customer service representative during operational business hours for more information about what rate reductions Say Insurance can offer you.

What are the Say Insurance ratings and reviews?

Looking at an insurance company’s customer reviews and financial ratings helps you determine if a company is worth working with before actually committing to a full policy term.

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

So instead, we’ll look at the score for its parent company, Shelter General.

Shelter General earned an A.M. Best score of A (Excellent), which means the company is financially solid and can follow through on its promises and obligations to policyholders.

Say Insurance also fares well when it comes to customer reviews. The company is Better Business Bureau accredited and received an A+ rating.

Plus, there are several positive online customer reviews for Say Insurance.

However, the parent company, Shelter General, earned a complaint index of 5.56, according to the National Association of Insurance Commissioners (NAIC).

The median is always set to 1.00, and lower scores are ideal. So a 5.56 implies that Shelter General gets more customer complaints than the median.

Since Shelter General backs Say Insurance, it’s important to keep these customer experiences in mind while you shop around for your best auto insurance coverage.

Does Say Insurance sell other insurance products?

Say Insurance does not sell any other insurance products besides auto insurance policies. To provide easy-to-understand, affordable insurance, the company only focuses on online auto insurance.

However, its parent company, Shelter General, does offer a handful of other insurance types with availability varying by state.

Available products include life, home, boat, personal umbrella, motorcycle insurance, and more.

Remember, this company only sells auto insurance policies in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee. So, if you do not live in one of those six states, you’ll have to look elsewhere for coverage.

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What is the history of Say Insurance?

Shelter General, the parent company of Say Insurance, originally sold auto insurance policies in Missouri. It started back in 1946.

However, the next 40 years saw an increase in business, and the company expanded into 22 different states and began offering additional insurance products besides auto insurance.

By the end of the 1980s, the once humble Shelter General turned into a $1 billion company.

Then in the 2010s, to address a customer desire for online auto insurance policies, Shelter General created Say Insurance.

To this day, Say Insurance still operates almost entirely online and provides easily understandable policies to safe drivers in six different states.

The current president of Say Insurance is Randa Rawlins, who is also president of Shelter General.

Say Insurance Auto Insurance: The Bottom Line

Overall, if you’re a safe driver living in one of the six states where Say Insurance operates, it’s worth adding this company to your comparison shopping list.

Not only do you get free roadside assistance and accident forgiveness with every Say Insurance policy, but the company offers stackable discounts leading to substantial savings.

It’s also ideal for people who prefer online tools to manage and maintain their auto insurance policy.

But high-risk drivers, people in need of SR-22 insurance, and those with poor driving records likely need to look into other companies, as Say Insurance may not be your best fit. Remember that this company is regionally limited with no plans to expand to other states in the future.

Hopefully you have all the details you need to buy Say Insurance auto insurance. Before you make any decisions, compare rates from top companies near you by entering your ZIP code into our free rate comparison tool below.