Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jan 11, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

At a Glance

  • Say Insurance auto insurance is owned by the Shelter General family of companies
  • This company sells auto insurance policies almost entirely online, but you can also call the customer service line directly
  • You can only buy Say Insurance auto insurance if you live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee

A subsidiary of the Shelter General brand of companies, Say Insurance auto insurance company focuses on selling auto insurance almost entirely online.

The company currently only operates in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee, with no plans to expand to other regions in the future.

While many factors impact your insurance costs, Say Insurance auto insurance rates are heavily based on your driving record, so safe drivers with clean records should look further into this company.

In this Say Insurance auto insurance review, learn how to request a quote, read about the claims process, and compare customer reviews, and more to help you determine if this company is a good fit for you.

Below you’ll learn about affordable Say Insurance auto insurance, but first, don’t forget to enter your ZIP code into our free rate comparison tool above to receive quotes from the best companies near you.

What is Say Insurance auto insurance company?

In 2016, Shelter General created the Say Insurance auto insurance company to provide online auto insurance policies to interested customers.

Today, the company operates in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee with no plans to expand elsewhere in the future.

However, you can purchase a policy, download the mobile app, and secure coverage quickly online without ever needing to speak directly with an agent.

Interestingly, Say Insurance heavily weighs your driving record when calculating your auto insurance quotes.

So people with perfect driving records should consider adding this company to their comparison shopping list.

However, this also means that high-risk drivers or people who need DUI auto insurance, teens, or people needing SR-22 insurance likely need to look elsewhere for their best coverage.

You can purchase all traditional auto insurance coverages from Say Insurance, including liability, collision, and comprehensive coverage.

Plus, in select states, you can also purchase medical payments (MedPay) coverage, personal injury protection (PIP) insurance, and uninsured or underinsured motorist protection.

As optional policy add-ons, you can include rental car reimbursement and new car replacement coverage to your policy for a fee.

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

Say Insurance forgives your first at-fault accident as long as the damages cost under $1,000. These benefits typically come with a fee, so providing them for free is a nice add-on for Say Insurance customers.

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How do you get Say Insurance auto insurance quotes?

Because Say Insurance operates almost entirely online, you can request Say Insurance auto insurance quotes directly on the company website. The application takes about five minutes to complete.

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

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

Many factors impact your auto insurance rates, including your ZIP code, age, car make and model, and coverage requirements. However, Say Insurance also heavily bases your rates on your driving record.

According to the website, if you receive a higher than average quote or are denied coverage using the online quote form, it means the system determined that Say Insurance is not the right fit for you.

This is likely due to your driving record, especially if you have any traffic citations on your history or if you’ve filed multiple insurance claims recently.

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

How much does Say Insurance auto insurance cost?

Currently, the average Say Insurance auto insurance rates are not publically available. However, because Shelter General owns Say Insurance, it’s possible rates from the two companies may look similar.

The average annual cost of basic coverage from Shelter General is about $655, whereas full coverage costs $2,199 annually.

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

In the table below, see the average annual auto insurance expenditures for 2018 in the six states where Say Insurance underwrites policies, as recorded by the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State

StatesAverage Annual Auto Insurance Expenditures
Colorado$1,132.81
Illinois$916.49
Indiana$767.72
Kansas$805.15
Missouri$913.81
Tennessee$855.78

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Keep in mind that many different factors impact your auto insurance rates, including your driving record, age, coverage needs, and the make and model of the car you drive.

The best way to secure your best coverage is to compare quotes from multiple of the best auto insurance companies. Then, choose the policy that best fits your unique situation.

How do you file a claim with Say Insurance auto insurance?

Fortunately, filing a Say Insurance auto insurance claim is easy and the process is highly rated by real Say Insurance drivers.

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

You can file a claim using the mobile app, on the company website, or by calling the claims center hotline available 24 hours a day.

After you submit your claim, the contact information for the adjuster assigned to your case appears in your mobile app and My Say account. This makes it easier to communicate throughout the entire process.

Just be sure you receive and approve your estimate before completing any repairs. Know that your adjuster helps you through all payment processes, including vehicle repairs and medical costs.

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Does Say Insurance provide any auto insurance discounts?

Say Insurance does offer multiple auto insurance discounts to drivers. These discounts stack, leading to potential savings between $6.60 and $1,126 per policy term.

In fact, in October of 2020, real Say Insurance customers saved an average of $205.36 by earning various rate reductions.

See the table below for information about all available auto insurance discounts, 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 website, Say Insurance also provides customers with a multi-car discount.

However, details about how much you might save and how many cars you must add to your policy to qualify are not available.

For more information about the saving opportunities available to you through Say Insurance, contact a customer service representative over the phone.

How are the Say Insurance ratings and reviews?

Cheap automobile insurance is great. But understanding an insurance company’s financial ratings and customer reviews helps you determine if the company is reliable before committing to a policy.

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

So instead, we’ll analyze the score for the parent company, Shelter General.

Fortunately, Shelter General earned an A (Excellent) score from A.M. Best, implying that it is in a robust financial position and can follow through on any promises it makes to policyholders.

When it comes to customer reviews, Say Insurance is accredited by the Better Business Bureau (BBB) and earned an A+ score. This company also has a large number of positive online reviews.

However, 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 you want to see the lowest scores possible. So a 5.56 implies that Shelter General receives more customer complaints than the median.

Since Shelter General backs Say Insurance, it’s essential to keep these reviews in mind while shopping around for your best coverage.

What other insurance products does Say Insurance sell?

Say Insurance does not sell any other insurance products besides auto insurance. It does not have plans to expand its offerings in the future.

However, the parent company, Shelter General, and its other subsidiaries offer different insurance lines with availability varying by state.

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

Remember, Say Insurance only sells policies in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

So if you live elsewhere, you’ll have to look into other auto insurance companies for your best coverage.

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What is the history of Say Insurance?

Shelter General, the company that owns Say Insurance, started selling auto insurance policies in Missouri in 1946.

Over the next 40 years, the company expanded into 22 different states and began selling additional insurance products across the country.

By the end of the 1980s Shelter General became a $1 billion organization.

However, the 2010s brought on an interest in fully online auto insurance companies. As a result, Shelter General created Say Insurance.

To this day, Say Insurance still provides drivers with easily understandable auto insurance policies accessible entirely online.

In addition, it underwrites policies in six states, with no plans to expand elsewhere in the future.

The current president of Say Insurance is Randa Rawlins, who also acts as president for the parent company, Shelter General.

Say Insurance Auto Insurance: The Bottom Line

If you live in one of the states where Say Insurance operates and are a safe driver with a clean driving history, consider adding this company to your comparison shopping list.

Not only do you get free roadside assistance and accident forgiveness with Say Insurance, but you also gain access to several stackable discounts that lead to some substantial savings.

Plus, for those interested in interacting with their auto insurance company fully online, Say Insurance provides an easy-to-use mobile app that answers most policy questions without ever needing to speak to an agent.

Unfortunately, if you’re a high-risk driver or have a poor driving record, then this company may not be the best match for you.

Similarly, Say Insurance is regionally limited and only underwrites policies in six states. It also does not plan to expand to any other states in the future.

You’ve discovered how to buy Say Insurance auto insurance, now uncover the best rates for you from the top companies in your region by entering your ZIP code into our free quote comparison tool below.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.