Say Insurance Car Insurance Review & Ratings (2023)

This Say Insurance Car Insurance Review will cover Say Insurance Car Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Say Insurance Car Insurance A.M. Best rating is A. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 1817 West Broadway
City: Columbia
State: Missouri
ZIP Code: 65218
Phone Number: (800) 225-5729
Year Founded: 2016
AM Best Rating: A
Company Rating 0 (0 reviews)

Shelter General Insurance Company created Say Insurance car insurance in 2016 to reach customers interested in purchasing car insurance policies entirely online.

Today, the company operates in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee and sells transparent, easy-to-understand online car insurance to make the process as painless as possible.

In this Say Insurance car insurance review you’ll learn how to request a quote, discover details about the claims process, and compare customer reviews and financial ratings. We’ll help you determine if Say Insurance is right for you.

Read on to learn about affordable Say Insurance car insurance. In the meantime find cheap rates from top companies by entering your ZIP code into our free comparison tool above.

What is Say Insurance car insurance company?

In 2016, the Shelter General Insurance Company started Say Insurance to provide online car insurance policies to customers interested in such services.

The mission of Say Insurance is to provide easy-to-understand, transparent car insurance policies online.

The company hopes to take some of the hassles out of the car insurance buying experience by keeping everything digital.

The company now sells car insurance in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

Although Say is an online company, you can also call the company directly for a quote. The process typically takes about five minutes.

You can purchase most of the car insurance basics from Say Insurance, including liability, collision, and comprehensive coverage.

Plus, Say Insurance also offers medical payments (MedPay) coverage, new car replacement services, rental reimbursement, and uninsured or underinsured motorist coverage.

If you buy Say Insurance car insurance, the policy comes with free accident forgiveness and roadside assistance as a customer benefit.

These are typically policy add-ons that cost money to include in your car insurance policy from many other insurance companies.

The company does not increase your rates after your first at-fault accident causing less than $1,000 in damages.

Additionally, roadside assistance provides 24-hour emergency support to all Say Insurance drivers.

Say Insurance bases rates on your driving record. That means this company is ideal for safe drivers with clean records.

Unfortunately, high-risk drivers, people in need of SR-22 insurance, and folks with multiple insurance claims and traffic citations may need to look elsewhere for coverage.

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What are the average Say Insurance car insurance rates?

Say Insurance car insurance rates are not publicly available at this time.

But some sources suggest rates from Shelter General, the parent company, range from $655 annually for basic coverage to $2,199 annually for full coverage policies.

Since Shelter General backs Say Insurance, it’s possible rates from the company may look similar.

Plus, if you request a quote from this company, you can compare it to the average cost of car insurance in the state where you live.

The table below shows the average annual car insurance costs from 2018 as recorded by the Insurance Information Institute (III) in the six states where Say Insurance operates.

Average Annual Car Insurance Costs in States Where Say Insurance Operates
StateAverage Annual Car Insurance Rates

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Many different factors impact your car insurance rates. Say Insurance heavily bases car insurance costs on your driving record.

So if you receive a higher than average quote from this company, it’s likely because you have multiple driving infractions, at-fault accidents, or insurance claims on your record.

According to the website, if you use the online quote tool and are denied coverage, it means the system determined Say Insurance is not right for you.

If this happens to you, you can contact the Say Service Squad by phone for more information about the decision.

How do you file a car insurance claim with Say Insurance

Fortunately, the Say Insurance car insurance claims process is straightforward and highly rated by real customers.

According to a company survey sent to drivers who filed Say Insurance claims in January 2021, the claims center received a 90% customer satisfaction rate.

You can file a claim on the company website by logging into your My Say Account, in the mobile app, or over the phone.

The claims center is open 24 hours, seven days a week.

Plus, after an adjuster is assigned to your case, their contact information appears in your My Say account for convenient communication.

Ensure you get an estimate from your adjuster before completing any vehicle repairs.

Once you’re happy with your assessment, your adjuster helps you through the payment process for both vehicle repairs and medical costs.

Does Say Insurance provide any car insurance discounts?

Say Insurance customers have the opportunity to save between $6.60 and $1,126 per policy term by earning various car insurance discounts offered by the company.

According to the website, as of October 2020, new Say Insurance customers save $205.36 per term on average.

However, discount availability and savings amounts vary by state.

In the table below you’ll see details about what discounts are available in each state where Say operates and discover how much you might save.

Say Insurance Car 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 website also states that you can save more money by adding multiple vehicles to your Say Insurance policy.

However, you must contact the Say Service Squad for specific details about rate reductions and how many vehicles you can add to your coverage.

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Does Say Insurance have a mobile app?

Say Insurance operates almost entirely online, so the company does provide a frequently updated mobile app for customers.

After downloading the Say Insurance app, compatible with most Apple and Android devices, create your Say Insurance login.

You can view your ID cards, pay your bill, file a claim, make changes to your policy, and contact roadside assistance all within the mobile app.

How are the Say Insurance ratings and reviews?

Looking at an insurance company’s financial ratings and customer reviews helps you determine if the company is reliable before committing to a policy.

Say Insurance currently is not rated by A.M. Best or any other leading credit rating agency, so we’ll look at scores for the parent company, Shelter General.

Fortunately, Shelter General Insurance Company earned an A.M. Best score of A (Excellent).

This means the parent company that backs Say Insurance is financially stable and can reliably follow through on its obligations to policyholders.

Say Insurance is accredited by the Better Business Bureau and holds an A+ rating. Overall, many customers appear satisfied with their Say Insurance services.

However, its parent company appears to struggle with customer satisfaction. According to the National Association of Insurance Commissioners (NAIC), Shelter General earned a complaint index of 5.56.

The median is always set to 1.00, and lower scores are better.

A 5.56 implies that Shelter General receives significantly more customer complaints than the median.

Cheap rates are just part of what makes a car insurance company great. So keep these customer reviews in mind when shopping around for your best coverage.

What is the history of Say Insurance?

Founded in 2016, Say Insurance is a relative newcomer to the insurance world. However, it’s backed by Shelter General, a parent company that’s been in business since 1946.

Initially, Shelter General only sold car insurance policies in Missouri. But over the next 40 years, the company expanded into 22 additional states and started offering other insurance lines, including life insurance.

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

The 2010s saw a significant increase in online insurance options, and customers expressed an interest in purchasing car insurance policies entirely online.

In response, Shelter General started Say Insurance. To this day, the company aims to provide clear-cut and easily understandable car insurance policies compatible with our new and ever-changing digital world.

The current president and CEO of Say Insurance is Randa Rawlins. She is also the president of Shelter General.

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Does Say Insurance sell any other insurance products?

While Shelter General sells various insurance products, Say Insurance does not offer any other insurance types besides car insurance policies.

Learn more about the different types of car insurance coverages available through Say Insurance in the table below.

Car Insurance Coverages Offered by Say Insurance
Insurance Type OfferedWhat It Covers
Collision insurancePays for damage to your vehicle while in motion, regardless of fault. A deductible applies.
Comprehensive insuranceCovers damage to your vehicle from non-accident-related incidents, including theft, vandalism, and weather damage. A deductible applies.
Liability insurancePays for damage to another driver if you're responsible for causing an accident.
Medical Payments coverageHelps pay for your medical bills as well as your passengers' medical bills resulting from an accident, regardless of fault.
New car replacement coverageEnsures you can replace your vehicle with a similar vehicle if your car is stolen or totaled.
Rental reimbursementHelps cover rental car costs after an accident as long as you purchase comprehensive or collision coverage.
Uninsured motorist coverageProtects you and your car if you're hit by an at-fault driver who does not carry enough insurance or is entirely uninsured.

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If you live in one of the six states where Say Insurance operates, you can purchase at least the minimum required coverage levels according to your regional laws.

But, unfortunately, if you do not live where Say Insurance operates, you’ll have to look elsewhere for coverage.

Say Insurance Car Insurance: The Bottom Line

Overall, Say Insurance is a strong option for safe drivers with clean records interested in using an online car insurance company.

This company even provides some benefits to drivers that some of the other best insurance companies typically charge fees for, like roadside assistance and accident forgiveness.

However, Say Insurance policies are only available in six states, and the company does not currently have plans to expand elsewhere.

Plus, high-risk drivers or people with imperfect driving histories may need to consider other companies, as Say Insurance bases rates primarily on your driving record.

You’ve learned all about Say Insurance, now get quotes from the top companies near you by entering your ZIP code into our free comparison tool below.

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