A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • Owned by Shelter General, Say Insurance car insurance company operates almost fully online
  • This company only sells car insurance in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee
  • Drivers may save up to $1,126 each term by earning Say Insurance car insurance discounts

Owned by Shelter General, the Say Insurance car insurance company operates almost entirely online and sells car insurance in six states.

Plus, this company heavily bases quotes on your driving history, making it an ideal company for safe drivers with perfect records.

In this Say Insurance car insurance review, learn how to request a quote, discover details about the claims process, and compare customer and financial ratings to determine if this company can offer you affordable car insurance.

After reading about affordable Say Insurance car insurance, don’t forget to enter your ZIP code into our free quote comparison tool above to receive rates from the top companies in your region.

What is Say Insurance?

Say Insurance car insurance company started in 2016 when the Shelter General insurance brand wanted to offer fully online car insurance policies to drivers interested in such convenient services.

The company now operates in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee. There are no plans to expand to other states in the future.

Fortunately, you can purchase all of the basic car insurance coverages from Say Insurance, including liability, collision, and comprehensive coverage.

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

For an additional fee, you have the option to add rental car reimbursement and new car replacement coverage to your car insurance policy.

Plus, Say Insurance provides roadside assistance and a minor accident forgiveness policy free to all customers. The company forgives your first at-fault accident with damages costing under $1,000.

These services are typically policy add-ons that come with an additional fee, making them great customer benefits for Say Insurance drivers.

Because this company operates almost entirely online, you have the option to download a newly renovated mobile app compatible with most Apple and Android devices.

Within the app, you can create your My Say account, access your ID, roadside assistance services, pay your bill, make policy changes, file claims any time of day, and more.

While many different factors impact your car insurance rates, Say Insurance heavily bases quotes on your driving record. So this company is ideal for safe drivers with flawless records.

However, people who need high-risk car insurance, teens, new drivers, or people needing SR-22 insurance will likely need to look elsewhere for car insurance.

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How do you request Say Insurance car insurance quotes?

You can request Say Insurance car insurance quotes directly on the company website. Use one of the online quote tools to start your application. The entire process should take around five minutes.

However, you also have the option to call a Say Insurance representative over the phone to request a quote.

The Say Insurance customer service team is available Monday through Friday from 8 a.m. until 10 p.m. central time.

The office is also open on Saturdays from 9 a.m. until 5:30 p.m. central time but is closed on Sundays.

Remember, Say Insurance quotes are heavily based on your driving record.

Therefore, if you receive a higher than average rate or are denied coverage, it means the platform determined that Say Insurance is not the right fit for you.

If this occurs, you may speak to a Say Insurance customer service representative for more information as to why your application may have been denied.

What are the average Say Insurance rates?

Say Insurance car insurance rates are currently not publically available.

However, some sources suggest that policies from the parent company, Shelter General, cost $655 on average for basic coverage and $2,199 annually for full coverage.

Because Shelter General backs Say Insurance, it’s possible that costs for coverage may look similar from the two companies.

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

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

Average Annual Car Insurance Expenditures by State
StatesAverage Annual Car Insurance Expenditures

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Keep in mind that many different factors impact your car insurance costs, including your age, ZIP code, coverage requirements, and even the make and model of the car you drive.

So to secure your cheapest possible rates without sacrificing your coverage needs, compare quotes from the best car insurance companies and choose the one most compatible with your unique situation.

How do you file a claim with Say Insurance?

To file a Say Insurance car insurance claim, visit the company website, call the claims center directly, or submit a claim directly through the Say Insurance mobile app.

The claims center is available to customers by phone 24 hours a day, seven days a week.

It’s important you also know what to expect when filing a car insurance claim.

Luckily, the contact information for the adjuster assigned to your case appears in your My Say account for more accessible communication.

However, be sure you wait until you receive your estimate before completing any repairs. Your adjuster helps you with all vehicle repair and medical costs.

Fortunately, real Say Insurance customers rate the claims process quite highly.  For example, according to a survey sent to new customers in January of 2021, drivers gave the claims center a 90% satisfaction rating.

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Does Say Insurance offer any car insurance discounts?

Say Insurance offers multiple car insurance discounts to drivers, most of which are stackable. However, discount availability does vary by state.

The website claims drivers can save between $6.60 through $1,126 per policy term by qualifying for the various rate reductions.

Plus, in October 2020, Say Insurance drivers saved an average of $205.36 on their car insurance by earning the available discounts.

In the table below, see what car insurance discounts are available from Say Insurance, what part of your policy it applies to, and how much it may reduce your policy.

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 a multi-car discount is available, and drivers save money by adding multiple cars to their policy.

However, details about how many cars you must add and how much you might save are not currently available.

Contact a customer service representative during operational business hours for more details about what saving opportunities Say Insurance can offer you.

How are the Say Insurance ratings and reviews?

Analyzing the Say Insurance customer reviews and financial rankings allows you to determine if the company is reliable before committing to an actual policy.

However, at this time, Say Insurance has not been evaluated by A.M. Best, one of the leading credit rating agencies.

So instead, we’ll look at Shelter General, the parent company that backs Say Insurance. Shelter General earned an A.M. Best score of A (Excellent).

This score implies that the company is in a solid financial position and can follow through on its obligations to policyholders.

When it comes to the customer experience, Say Insurance is Better Business Bureau (BBB) accredited and earned an A+ rating. In addition, many online reviews for this company are positive.

However, Shelter General has a complaint index of 5.56, according to the National Association of Insurance Commissioners (NAIC). The median is always set to 1.00, and lower scores are ideal.

Unfortunately, a 5.56 implies that Shelter General receives more customer complaints than the median.

Since Shelter General is the parent company of Say Insurance, keep these reviews in mind while you shop around for your best coverage.

Does Say Insurance sell other insurance products?

At this time, Say Insurance only sells online car insurance policies in six states. The company does not have plans to expand its offerings or outreach at any point in the future.

However, the parent company, Shelter General, does sell additional lines of insurance through its other subsidiaries, with availability varying by state.

Ultimately, if you do not live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee, you’ll have to look elsewhere for your best car insurance coverage.

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What is the history of Say Insurance?

In the 2010s, interest in online car insurance offerings increased substantially. So Shelter General created Say Insurance in 2016 to provide fully online car insurance policies to those drivers.

To this day, the company still provides clear-cut, easy-to-understand car insurance policies almost entirely online.

While Say Insurance is a relative newcomer to the industry, Shelter General has been in business since 1946. Initially, it only sold car insurance in the state of Missouri.

However, over the next 40 years, the company expanded into 22 different states and began selling various other insurance products.

By the end of the 1980s, Shelter General became a $1 billion organization. The current president of Say Insurance is Randa Rawlins, who also acts as president for Shelter General.

Say Insurance Car Insurance: The Bottom Line

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

Not only does Say Insurance provide you with stackable car insurance discounts, but as a customer benefit, you also get free accident forgiveness and roadside assistance.

Plus, if you prefer working with your insurance company entirely online, then Say Insurance is likely a good fit for you.

However, this company only operates in a small number of states, making it regionally limited.

Similarly, high-risk individuals and people with poor driving records may not earn the lowest possible rates from this company. In some cases, your application could even be denied.

So new drivers, teens, or those with bad driving records may want to consider some of the other top companies in place of Say Insurance.

Now that you know how to buy Say Insurance car insurance enter your ZIP code into our free rate comparison tool below to receive quotes from the best companies near you.