Say Insurance Car Insurance Review (2022)

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

UPDATED: Jan 10, 2022

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Here's the Scoop

  • Say Insurance car insurance company sells policies primarily online
  • This company only operates in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee
  • Say Insurance drivers may save up to $1,126 per term in available car insurance discounts

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

However, this company currently only operates in six states, including Colorado, Illinois, Indiana, Kansas, Missouri, and Tennesee. So the company is regionally limited and does not plan to expand to other states.

Say Insurance also bases your rates primarily on your driving records. So safe drivers with perfect driving records may be interested in learning more about this company.

In this Say Insurance car insurance review, discover how to request a quote, read about customer ratings and financial reviews for this company, and determine if Say Insurance can offer you cheap car insurance.

Before learning how to buy Say Insurance car insurance, don’t forget to enter your ZIP code into our free quote comparison tool above to receive rates from the best companies in your region.

Table of Contents

What is Say Insurance car insurance company?

The Shelter General insurance brand created Say Insurance in 2016 to provide online car insurance policies to the drivers interested in such convenient services.

The company now operates in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

You can purchase all of the traditional car insurance coverages through Say Insurance, including liability, collision, and comprehensive insurance.

Plus, the company sells medical payments (MedPay) coverage, personal injury protection (PIP) insurance, and uninsured or underinsured motorist coverage in select states.

For an additional fee, you can add optional rental car reimbursement and new car replacement coverage to your policy as well.

All Say Insurance customers also get free roadside assistance, and the company forgives your first at-fault accident with damages costing less than $1,000.

These are typically optional policy add-ons that cost extra, making it a nice customer benefit for Say Insurance drivers.

However, Say Insurance car insurance quotes are primarily based on your driving record.

So high-risk drivers and people with poor driving records may need to consider looking at the other best car insurance companies for coverage.

Since this company mainly operates online, Say Insurance uses a mobile app compatible with most Apple and Android devices.

In fact, the Say Insurance mobile app was recently renovated. After you purchase a policy, you can download the app and create a My Say account.

There, you can make changes to your policy, pay your bill, access the claims center, view your ID cards, and more.

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How do you request Say Insurance car insurance quotes?

To request Say Insurance car insurance quotes, visit the company website. Then, you can use one of the online quote tools to start your application.

The process typically takes only about five minutes to complete. However, you can also call a Say Insurance representative directly.

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

However, according to the company website, if the online quote form denies you, it means the platform determined Say Insurance is not the right fit for you.

Unusually high quotes or a denial most likely means your driving record is too poor.

Understand that high-risk or bad drivers and people in need of SR-22 coverage likely need to look into other companies for more compatible coverage.

What are the average Say Insurance car insurance rates?

At this time, Say Insurance car insurance rates are not publically available.

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

Since Shelter General backs Say Insurance, rates from the two companies may look similar.

You can also compare your Say Insurance quote to the average cost of car insurance in the state where you live.

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

Average Annual Car Insurance Expenditures by State

States Average Annual Car Insurance Expenditures
Colorado $1,132.81
Illinois $916.49
Indiana $767.72
Kansas $805.15
Missouri $913.81
Tennessee $855.78

Keep in mind that different variables affect your car insurance rates. For example, many companies factor in your age, ZIP code, coverage needs, vehicle make and model, and more.

While many different factors impact your car insurance costs, Say Insurance also heavily weighs your driving record when calculating your rates.

So if your quote from Say is unusually high, it’s likely because you have traffic citations, at-fault accidents, or many insurance claims on your driving record.

For more information about how Say Insurance determines rates, you can contact a Say Insurance representative over the phone during operational business hours.

How do you file a Say Insurance car insurance claim?

The Say Insurance car insurance claims center is available on the company website after logging into your My Say Account.

It’s also available in the mobile app, and you can contact a representative over the phone 24-hours a day.

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

According to the company website, real Say Insurance customers rate the claims process very highly. It earned a 90% satisfaction rating based on a survey sent to all new customers in January of 2021.

However, before completing any vehicle repairs, ensure you get an estimate from your adjuster.

Once you’re satisfied with your estimate, the adjuster helps you through both the repair and payment processes, including any medical costs as well.

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Does Say Insurance offer car insurance discounts?

Say Insurance offers a handful of car insurance discounts to customers, leading to substantial savings. For example, drivers may save between $6.60 and $1,126 per policy term by qualifying for rate reductions.

According to the Say Insurance website, in October of 2020, customers saved an average of $205.36 per term in discounts.

But the discounts and saving amounts do vary by state and are often based on the type of coverage you carry.

In the table below you can see more specific details about what discounts are available, what part of your policy it applies to, and how much you might save.

Say Insurance Car Insurance Discounts

Discount Name Potential Rate Reduction Policy Types Reduced by Discount States Where Available
Advance purchase discount 10% Full policy CO, IL, IN, KS, MO, TN
Anti-theft discount 15% Comprehensive coverage IL
Continuous insurance discount 10% Full policy CO, IL, IN, KS, MO, TN
Defensive driving course discount 10% Liability, Medical Payments, and Collision coverage CO, IL, IN, KS, TN
Paperless discount 10% Full policy CO, IL, IN, KS, MO, TN
Pay-in-full discount 10% Full policy CO, IL, IN, KS, MO, TN
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According to the website, you may also save money by adding multiple vehicles to your Say Insurance policy. However, it does not state how much of a reduction you could earn.

So for more details about saving opportunities available through Say Insurance, contact an insurance representative.

What are the Say Insurance ratings and reviews?

Analyzing an insurance company’s financial ratings and customer reviews is crucial. This way, you can determine how reliable and efficient a company is before actually committing to a full policy term.

At this time, Say Insurance has not been rated by the leading credit rating agency, A.M. Best. So instead, we’ll analyze the score for Shelter General, the parent company.

Fortunately, Shelter General earned an A (Excellent) score from A.M. Best. This implies that the company can successfully follow through on all of its financial obligations to policyholders.

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

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 lower scores are better.

So this implies that Shelter General receives substantially more customer complaints than the median. Shelter General backs Say Insurance, so keep these reviews in mind while you shop around for your best coverage.

Does Say Insurance sell other insurance products?

Say Insurance does not offer any other insurance products besides car insurance. Instead, the company only focuses on car insurance to provide the cheapest possible rates to customers.

The parent company, Shelter General, does provide a handful of other insurance types to customers, with availability varying by state.

Remember, this company only operates in six states. So if you do not live in Colorado, Illinois, Indiana, Kansas, Missouri, or Tennessee, you’ll have to look elsewhere for coverage.

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What is the history of Say Insurance?

Say Insurance is a relative newcomer to the insurance world. It was founded in 2016 as a way to provide drivers with convenient, efficient online car insurance policies.

The 2010s specifically saw a major increase in online insurance options, and more and more drivers expressed an interest in this type of service.

As a result, Shelter General created Say Insurance. Today, the company provides easily understandable, clear-cut online car insurance policies compatible with our always-changing digital world.

Shelter General, however, has been in business since 1946. Initially, it only sold car insurance in the state of Missouri.

Over the next 40 years, the company expanded its insurance offerings and started operating in 22 different states. By the end of the 1980s, Shelter General became a $1 billion organization.

The current president and CEO of Say Insurance is Randa Rawlins, who also acts as the president of Shelter General.

Say Insurance Car Insurance: The Bottom Line

Say Insurance is a great option for people who have perfect driving records and live in the six states where this company operates.

Plus, this company provides benefits to drivers that often cost extra at other companies, like free roadside assistance and an accident forgiveness policy.

According to some customer reviews, the recent renovations of the mobile app also make it easier and more convenient to use.

Safe drivers who prefer interacting with their car insurance company entirely online should consider adding this company to their comparison shopping list.

However, new drivers, people with poor driving records, or other high-risk individuals may not earn the best rates from Say Insurance. Or worse, in some cases, you may be denied coverage when you go to request a quote.

The company also only operates in six states does not plan to expand to other areas, so availability is regionally limited.

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