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Say Insurance Car Insurance Review in 2022

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 17, 2021

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Key Takeaways

  • A daughter company of the Shelter General brand, Say Insurance Car Insurance sells policies entirely online
  • Say Insurance customers can save up to $1,125 each policy term by earning car insurance discounts
  • You can only buy Say Insurance in Colorado, Illinois, Indiana, Louisiana, Missouri, and Tennessee

A subsidiary of the Shelter General Insurance Company brand, Say Insurance Car Insurance Company sells policies to customers entirely online.

Currently only available in six states, keep reading to learn about Say Insurance ratings and reviews, the claims process, discounts, and more to help you determine if you can earn cheap car insurance from this provider.

After reading about how to buy Say car insurance, compare quotes from the best companies near you for free by entering your ZIP code into our rate tool above.

What is Say Insurance Car Insurance Company?

The Shelter General Insurance Company created Say Insurance in 2016 to reduce overhead costs by offering drivers fully online car insurance.

Say Insurance Car Insurance Company now operates in six states: Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

The company also recently celebrated its fifth anniversary.

While Say car insurance rates are not publically available, the website states that customers may save up to $1,125 each policy term by qualifying for discounts.

According to some sources, the average car insurance rates from its parent company, Shelter General, are $655 annually for minimum coverage and $2,199 annually for full coverage.

How do you request a Say car insurance quote? You must either go to the company website and use the online quote tool or call an agent directly. The process should take about five minutes.

What type of car insurance coverage does Say Insurance sell? You can purchase liability, collision, comprehensive, and uninsured motorist coverage from Say Insurance.

The company also sells medical payments (MedPay) coverage, rental reimbursement, and new car replacement coverage.

Unfortunately, if you need SR-22 insurance, you’ll have to look elsewhere. Say Insurance does not offer high-risk car insurance.

However, all Say car insurance policies come with roadside assistance with 24-hour emergency support. Plus, you also get accident forgiveness.

For all customers, Say Insurance does not increase your rates after an accident that costs less than $1,000.

You can make updates to your policy, pay your bills, and access your digital insurance identification cards and roadside assistance directly through the Say Insurance mobile app.

How much does Say Insurance car insurance cost?

Say Insurance is very new. So, currently, Say car insurance quotes are not publically available.

But some sources claim the average annual rates from its parent company, Shelter General, cost between $655 and $2,199 annually, depending on the level of coverage purchased.

That equals between $54 and $183 per month on average. So it’s possible you may find similar affordable Say car insurance.

How much does car insurance cost on average? Nationally, full coverage car insurance costs $1,418 annually or $118 per month, or approximately $781 less than Shelter General’s average rates.

However, if you receive a very high quote from the company using the online quote tool, it’s likely because of your driving record.

Filing multiple claims or having numerous speeding tickets, at-fault accidents, or other traffic infractions on your driving record heavily impact your Say insurance prices.

If you seek out a quote on the company website and are denied, it’s because the system determined Say Insurance is not the right fit for you.

However, you may contact the Say Service Squad by phone for more detailed information as to why.

Unfortunately, this means Say Insurance is not the right company for people in need of high-risk car insurance.

But safe drivers and people with flawless driving records should consider adding Say Insurance to their comparison list.

How do you file a Say Insurance car insurance claim?

Fortunately, filing a Say Insurance car insurance claim is easy and typically takes about 10 minutes, according to the company website.

Supposedly, the Say Insurance claims center also has a customer satisfaction rating of 90%, according to a survey sent to Say customers who filed claims in January of 2021.

You can file a claim using the mobile app by signing into your My Say account or calling an agent directly.

Plus, the claims center is available to customers 24-hours a day.

Before filing your claim, gather photos of the accident if possible. On the website, the company also requests a list of any injuries, details about where the accident occurred, and a copy of the police report.

An adjuster will be assigned to your case and will call to ask about the details of the accident.

If you look in the app, their contact information is available in your My Say account for convenience and easy communication.

Just make sure you get an estimate from your claims adjuster before completing any repairs. They will then help you through the payment process for both medical costs and property damage repairs.

What car insurance discounts does Say Insurance offer?

The Say Car Insurance Company offers a handful of stackable car insurance discounts to customers. However, availability does vary by state.

According to the website, drivers can save between $6.60 and $1,126 each policy term through the available deals.

In the table below, check out what discounts and potential rate reductions you can earn from Say Insurance by the state.

Say Insurance Car Insurance Discounts
Potential Rate ReductionPolicy Types Reduced by DiscountStates Where Available
10%Full policyCO, IL, IN, KS, MO, TN
15%Comprehensive coverageIL
10%Full policyCO, IL, IN, KS, MO, TN
10%Liability, Medical Payments, and Collision coverageCO, IL, IN, KS, TN
10%Full policyCO, IL, IN, KS, MO, TN
10%Full policyCO, IL, IN, KS, MO, TN
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The website also states that drivers can save money by adding multiple vehicles to a single policy.

However, specifics about how much you might save are unavailable.

Otherwise, there do not appear to be any available car insurance bundles through Say Insurance.

But, you do get accident forgiveness complimentary on all Say Insurance policies. Through some other companies, this benefit is not free.

But Say Insurance will not increase your rates after your first accident if the damages cost less than $1,000.

Similarly, you get free roadside assistance as a Say Insurance customer.

Roadside assistance is also typically a policy add-on that costs a little extra, making this a nice benefit.

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What are the Say Insurance car insurance ratings and reviews?

It’s important to look at car insurance companies’ financial rankings and customer reviews to help you determine if the company is reliable and easy to deal with.

While Say Insurance does not have an A.M. Best rating, its parent company, the Shelter General, received an A score.

This implies that Say Insurance can responsibly close out your claims and is in strong financial standing.

Unfortunately, customer reviews of Shelter General are overwhelmingly negative.

According to the National Association of Insurance Commissioners (NAIC), Shelter General earned a complaint index of 5.56, nearly five times higher than average.

This number means the company receives far more complaints from customers than average.

However, Say Insurance itself is Better Business Bureau accredited and currently holds an A+ score.

So while its parent company appears to struggle with customer satisfaction, Say Insurance interacts more positively with its drivers.

What is the history of Say Insurance?

Say Insurance is a younger company that is new to the car insurance industry.

It was founded in 2016 by the Shelter General Group of Companies and recently celebrated its fifth anniversary.

Say Insurance may be a newcomer to the insurance world, but it’s backed by a parent company that’s been in business since 1946.

The Shelter General Group of Companies originally sold car insurance in Missouri.

But as time went by, the company expanded into 21 different states and now sells additional insurance products through various subsidiaries, including life insurance and property and casualty insurance.

To reach the customers interested in purchasing car insurance online, Shelter General created Say Insurance.

Say Insurance may be an online company, but Shelter General is headquartered in Columbia, Missouri.

Say Insurance now sells policies entirely online in six states. It is unclear if there are plans to expand to more states in the future.

Does Say Insurance offer other insurance plans?

Say Insurance does not offer any other insurance types besides car insurance.

At this time, the company does not plan on expanding its offerings.

In the table below, see what car insurance coverages are available from Say Insurance and discover precisely what it protects you from.

Car Insurance Coverages Offered by Say Insurance
Insurance Type OfferedWhat It Covers
Collision insuranceCovers for damage to your vehicle while in motion, regardless of fault. A deductible applies.
Comprehensive insurancePays for damage to your vehicle from non-accident-related incidents, including theft, vandalism, and weather damage. A deductible applies.
Liability insuranceCovers damage to another driver if you're responsible for causing an accident.
Medical Payments coverageHelps cover 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 with rental car costs after an accident as long as you purchase either 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 your state’s minimum legal car insurance levels.

But full coverage car insurance policies are also available through Say.

Unfortunately, if you do not live in one of the six states where Say Insurance underwrites policies, you’ll have to look for coverage elsewhere.

Say Insurance Car Insurance: The Bottom Line

If you live in a state where Say Insurance is available, it may be worth adding it to your list of companies to compare.

Say Insurance offers a broad range of coverage and even includes accident forgiveness and roadside assistance packages for all customers. However, through many other companies, those coverages cost extra.

Operating entirely online, it’s a strong option for tech-savvy customers who prefer using mobile apps.

But rates from its parent company, the Shelter General, tend to be slightly higher than average.

Plus, if your driving record is imperfect or if you’re considered a higher risk driver because of your age, this company may not be the right fit for you.

The best way to determine if Say Insurance offers cheap quotes for you is to comparison shop.

Seek out rates from multiple companies and compare the policies, just don’t forget to ask about any discounts you’re eligible to earn.

You’ve learned about affordable Say car insurance. Now find the cheapest coverage for you by entering your ZIP code into our free rate comparison tool below. We’ll provide free quotes from top companies.

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