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Choosing a car insurance provider requires careful consideration. If Shelter is among your top contenders, examining its rates closely will help you determine if it's the right fit. We recommend comparing quotes from several providers to ensure you're getting the best deal if saving money on your car insurance is a priority.
Shelter car insurance pricing per month
Shelter charges an average of $246 per month for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage pay an average of $150.
Keep in mind these are average figures. Your individual rate will depend on multiple factors including age, location, credit score, and driving history. While your actual Shelter rate may be different, these averages provide a useful benchmark for comparing providers.
| Shelter average monthly cost | National average monthly cost | |
| Full coverage | $246 | $186 |
| Liability-only | $150 | $104 |
Shelter's rates versus other car insurance providers
Each company evaluates risk and applies discounts differently, which affects pricing. Comparing quotes will show you how Shelter measures up for your particular situation.
| Provider | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $115 | $59 |
| Progressive | $177 | $101 |
| GEICO | $150 | $92 |
| Allstate | $150 | $79 |
| USAA | $106 | $56 |
| Shelter | $246 | $150 |
Shelter's rates by age
Age heavily influences Shelter's pricing, as it does with most insurers. Car insurance for teen drivers carries the highest premiums, averaging around $535 per month for full coverage.
As you move into your 20s, insurance rates typically decrease, averaging $323 with Shelter. Rates continue declining through your 30s to an average of $237 and into your 40s at an average of $210.
The lowest rates often belong to drivers in their 50s, 60s, and 70s who pay around $166, $139, and $133 per month on average, respectively.
These patterns show how insurers evaluate risk throughout different life stages.
| Age group | Shelter average monthly full coverage cost | National average monthly cost |
| Teens | $535 | $359 |
| 20s | $323 | $242 |
| 30s | $237 | $199 |
| 40s | $210 | $191 |
| 50s | $166 | $177 |
| 60s | $139 | $159 |
| 70s | $133 | $163 |
Shelter's rates for high-risk drivers
Drivers with traffic violations or accidents on their record typically face higher average rates with Shelter. High-risk drivers who have a speeding ticket pay around $342 per month on average, while those with an at-fault accident pay monthly rates near $331.
DUI convictions result in particularly steep costs, with monthly premiums averaging about $364. These are typical rates for high-risk drivers, though your actual cost will vary based on how recent the incident occurred and other individual rating factors.
| Driving record | Shelter average monthly full coverage cost | National average monthly cost |
| Accident | $331 | $248 |
| Speeding ticket | $342 | $242 |
| DUI | $364 | $274 |
How does your credit score affect your rate with Shelter?
Your credit score factors into insurance rates in all states except four: California, Hawaii, Massachusetts, and Michigan.
Where credit matters, Shelter adjusts rates according to your credit tier. Those with excellent credit pay around $212 per month on average, while good credit holders see rates slightly higher at approximately $231.
Drivers with average credit face monthly premiums around $256, and those with poor credit pay approximately $299 per month on average.
These figures demonstrate how significantly credit can impact your monthly premium, though your precise rate will also depend on other personal factors.
| Credit score | Shelter average monthly cost of full coverage | National average monthly cost |
| Excellent | $212 | $163 |
| Good | $231 | $180 |
| Average | $256 | $194 |
| Poor | $299 | $227 |
FAQs
Which states is Shelter car insurance available in?
Shelter insurance products are available in 14 states including Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Ohio, Oklahoma, and Tennessee.
Does Shelter include any unique benefits in their standard auto policies?
Shelter distinguishes itself by automatically including roadside assistance and new car replacement coverage in all liability policies at no additional charge, which is uncommon among larger carriers. New car replacement applies to vehicles less than one year old with fewer than 15,000 miles. The roadside assistance covers up to $100 per incident for services like fuel delivery, flat tire assistance, lockout help, and towing.
What discounts could help lower my Shelter insurance premiums?
Shelter offers an extensive discount program with up to 20% savings available through various qualifications. Major discounts include multi-policy bundling when combining auto with home or life insurance, safe driver rewards for maintaining accident-free records, and loyalty discounts based on years with the company. Students can earn good student discounts, while paying your premium in full every six months might reduce costs by up to 12%.
Bottom line
Is Shelter the right car insurance company for you? Getting quotes from Shelter and other companies, then comparing them on price and service, is the best way to determine your answer.
Data throughout provided by Insurify.
Average rate:
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