Say Insurance Car Insurance Review (2022)

Say Insurance car insurance company is a subsidiary of the Shelter General insurance brand of companies and sells policies almost entirely online. Currently, Say Insurance car insurance quotes are not publicly available, but by earning car insurance discounts, drivers may save up to $1,126 per term. This company only operates in six states, so you can buy affordable Say Insurance car insurance if you live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Jan 10, 2022

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Things to Know

  • Say Insurance car insurance company operates almost entirely online
  • This company only sells car insurance in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee
  • By earning Say Insurance car insurance discounts, drivers may save up to $1,126 per policy term

Say Insurance car insurance company is a subsidiary of the Shelter General insurance brand and sells car insurance policies entirely online.

This company is regionally limited and only sells policies in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

Plus, Say Insurance bases quotes on your driving record, making it a great company for safe drivers with perfect driving histories.

In this Say Insurance car insurance review, learn more about the cost of coverage, read about the claims process, and compare financial and customer ratings to help you decide if Say Insurance can offer you cheap car insurance.

After learning how to buy Say Insurance car insurance, remember to 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?

Shelter General started the Say Insurance car insurance company in 2016 to provide interested customers with fully online car insurance policies.

You can currently purchase all of the basic types of car insurance from Say Insurance if you live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee.

Besides liability, comprehensive, and collision coverage, Say Insurance offers personal injury protection (PIP) insurance and medical payments (MedPay) coverage in select states.

Plus, uninsured or underinsured motorist coverage is also available. You can also add rental car reimbursement and new car replacement coverage to your policy for an additional fee.

But as a complementary customer benefit, all policies include roadside assistance and a small accident forgiveness policy as well.

For all customers, Say Insurance forgives your first at-fault accident with damages costing less than $1,000.

Both of these services are typically optional policy add-ons that usually come at an additional cost, making it a nice benefit for Say Insurance drivers.

Because Say Insurance primarily operates online, this company offers a newly renovated mobile app to customers compatible with most Apple and Android devices.

In the app, you can create your My Say account, pay your bills or file claims, access roadside assistance services, make any necessary policy changes, and more.

Interestingly, while many different factors impact your car insurance costs, Say Insurance heavily bases car insurance quotes on your driving record.

In fact, people with many claims on their record, multiple at-fault accidents, or other traffic citations may receive very high quotes from this company or have their applications denied.

So while Say Insurance is ideal for safe drivers, high-risk individuals, teens in need of new or young driver car insurance, and people who require SR-22 insurance may need to look into other companies for their best coverage.

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How do you get Say Insurance quotes?

To request Say Insurance car insurance quotes, visit the company website and use one of the online quote tools. According to the website, the process should take only about five minutes.

But you can also call a customer service representative directly over the phone for assistance with submitting your insurance application.

Say Insurance representatives are available by phone Monday through Friday, from 8 a.m. to 10 p.m. central time. The office is also open on Saturdays from 9 a.m. until 5:30 p.m. but is closed on Sundays.

While many different factors affect your car insurance rates, Say Insurance relies heavily on your driving record.

So if you receive a much higher than average quote or if your application is denied, it means the system determined that Say Insurance is not the best fit for you.

If this does happen to you, you can contact a Say Insurance customer service representative for more information about the decision.

How much are the average Say Insurance car insurance rates?

Currently, the average Say Insurance car insurance rates are not publicly available.

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

Because Shelter General backs Say Insurance, it’s possible costs from both companies may look similar.

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

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

Average Annual Car Insurance Expenditures by State
StatesAverage Annual Car 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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Remember, many different factors impact your car insurance costs, like your age, ZIP code, driving record, coverage needs, and more.

So to secure your lowest possible prices without sacrificing your coverage, compare quotes from the top car insurance companies and choose the one most compatible with your needs.

How do you file a Say Insurance claim?

It’s important you know how to file a car insurance claim with your company. Fortunately, Say Insurance drivers have multiple options when it comes to filing an insurance claim.

Say Insurance customers can file claims by using the mobile app, calling the claims center 24 hours a day, seven days a week, or through the company website.

After you submit your claim, the contact information for the adjuster assigned to your case appears in your My Say account.

Your adjuster helps you through all payment processes, including vehicle repairs and medical costs. So be sure you approve of your estimate from your adjuster before completing any repairs.

Fortunately, real Say Insurance customers rank the claims department highly. According to a survey sent to all new drivers in January of 2021, they gave the claims department a 90% satisfaction rating.

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What car insurance discounts does Say Insurance offer?

According to the company website, Say Insurance offers a variety of stackable car insurance discounts with some availability limited by state.

Drivers may save between $6.60 through $1,126 per policy term by earning the available rate reductions.

Plus, in October of 2020, Say Insurance drivers saved an average of $205.36 in discounts.

In the table below, see more details about what car insurance discounts are available, what part of your policy it applies to, and how much you can possibly 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, no further details about the rate reduction amount are provided.

For more information about what saving opportunities are available to you through Say Insurance, contact one of the customer service representatives during operational business hours.

What are the Say Insurance ratings and reviews?

It’s essential to evaluate a company’s customer reviews and financial scores, as it allows you to determine if the company is reliable before actually purchasing a policy.

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

So in its place, we’ll look at scores for Shelter General, the parent company that owns Say Insurance. Fortunately, Shelter General earned an A.M. Best score of A (Excellent).

This score implies that Shelter General is financially stable and can follow through on any promises or obligations it makes to policyholders.

In terms of customer reviews, Say Insurance is accredited by the Better Business Bureau (BBB) and earned an A+ score. In addition, this company has a high number of positive online customer reviews.

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 better.

A score of 5.56 means that Shelter General received substantially more customer complaints than the median.

Since Shelter General backs Say Insurance, keep these evaluations in mind while you shop around for your best car insurance coverage.

What other insurance products does Say Insurance sell?

Say Insurance does not sell any other products besides car insurance. To provide the cheapest possible policies to customers, the company only focuses on online car insurance.

However, Shelter General does offer a variety of different insurance products through its other subsidiaries. However, availability is limited based on the state you live in.

Remember, this company only sells car insurance in six states and does not plan to expand further in the future.

So if you do not live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee, you’ll have to look at other companies for coverage.

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What is the history of Say Insurance?

The parent company of Say Insurance, Shelter General, started out small by selling car insurance policies in Missouri in 1946.

But over the next 40 years, the company expanded into 22 other states and began selling additional lines of insurance. By the end of the 1980s, Shelter General became a $1 billion company.

However, the 2010s brought on an increased desire for online car insurance companies. In response, Shelter General created Say Insurance in 2016.

Today, Say Insurance focuses on fully online car insurance and operates in six states, with no plans to expand in the future.

Randa Rawlins is the current president of Say Insurance, and she also acts as president for Shelter General.

Say Insurance Car Insurance: The Bottom Line

Overall, if you’re a safe driver who lives in one of the states where Say Insurance operates, you should add this company to your comparison shopping list.

Not only do you get free roadside assistance and accident forgiveness, but Say Insurance provides several stackable discounts that can lead to substantial savings for some drivers.

This company is ideal for people who prefer using online tools for car insurance.

Because it operates almost entirely online, you rarely need to speak directly with a representative unless you choose to.

However, if you have a poor driving record, are high-risk, or need SR-22 coverage, Say Insurance may not be a good fit for you. This company prioritizes your driving record when calculating rates.

Similarly, this company is regionally limited and is only available in six states, with no plans to expand elsewhere in the future.

You’ve learned about affordable Say Insurance car insurance, now secure the best coverage for you by entering your ZIP code into our free rate comparison tool below.

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