Shelter Insurance vs State Farm - Which Car Insurance is Cheaper?

Shelter Insurance and State Farm are both solid car insurance companies, but what do consumers have to say about each company? With all the flashy advertising done by insurance companies, it's easy to overlook the real experiences of consumers with these companies.

Quickly compare rates from top auto insurance companies like Shelter Insurance and State Farm to find the cheapest rate!

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Consumers can find the lowest rates in their area by comparing multiple quotes from insurance companies in your state.

Shelter Insurance and State Farm Consumer Ratings

  Shelter Insurance Ratings State Farm Ratings
Policy Offerings Shelter Insurance Policy Offerings State Farm Policy Offerings
Pricing Shelter Insurance Pricing State Farm Pricing
Billing and Payment Shelter Insurance Billing State Farm Billing
Contacting the Insurer Shelter Insurance Support State Farm Support
Overall Satisfaction Shelter Insurance Satisfaction State Farm Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

Shelter Insurance scored higher State Farm on policy offerings. This metric compares the different types of insurance policies and endorsements or 'add-on' coverages available. The more coverages you can choose from means you can get an insurance program that is more tailored to your specific needs.

Shelter Insurance and State Farm Price Comparison

Shelter Insurance was rated higher than State Farm on insurance prices. That doesn't mean that Shelter Insurance will always have lower prices on car insurance than State Farm, however. Finding the best car insurance rate depends entirely upon comparing both Shelter Insurance and State Farm car insurance rates.

Shelter Insurance vs State Farm - Which Car Insurance is Cheaper?

Since different companies rate drivers in different ways, you need to get a car insurance comparison quote now to find out which company offers the lowest rates in your area. It may be Shelter Insurance or State Farm, or possibly even a different company.

For satisfaction of billing and payment options, Shelter Insurance was rated the same as State Farm. Consumers generally prefer to have more flexible payment options.

Perhaps most important is being able to actually get ahold of your car insurance company to file a claim or review coverages. Polled policyholders ranked Shelter Insurance the same as State Farm when it comes to being able to contact the company.

Making the Right Decision

Do more stars actually guarantee a better insurance experience? Shelter Insurance may show the same number of stars as State Farm for an overall rating, but that doesn't necessarily mean that you will have a better/worse experience or lower premiums with Shelter Insurance.

Keys to Finding the Best Car Insurance

  • Better drivers pay lower car insurance premiums
  • Make sure you compare apples-to-apples coverages
  • Higher physical damage deductibles mean less premium paid
  • If you have an independent insurance agent, have them compare rates with multiple companies