Say Insurance Car Insurance Review & Ratings (2025)

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.

What You Should Know About Say Insurance

Are you looking for reliable and affordable car insurance? Look no further than Say Insurance. In this article, we provide a comprehensive review of Say Insurance, covering important topics such as coverage options, customer reviews, ratings, and more. We aim to help you make an informed decision about your car insurance needs.

To ensure you get the best rates and coverage from top insurance providers in your area, enter your ZIP code below and compare quotes. Don’t miss out on the opportunity to secure the right car insurance policy for your needs.

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.

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. 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.

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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.

Say Insurance Coverage Options

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

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 Rates Breakdown

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

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.

Say Insurance Discounts Available

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.

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.

Streamlined Claims Handling With Say Insurance

Ease of Filing a Claim

Say Insurance offers a streamlined and user-friendly claims process, allowing policyholders to file claims through multiple convenient channels. Whether it’s through their intuitive online platform, a dedicated mobile app, or a simple phone call, the company ensures a hassle-free experience.

Average Claim Processing Time

Customers can expect efficient handling of their claims with Say Insurance. The company’s commitment to prompt service translates into swift processing times, providing policyholders with the support they need in a timely manner.

Customer Feedback on Claim Resolutions and Payouts

Say Insurance prides itself on delivering satisfactory claim resolutions and payouts. According to a recent survey conducted in January 2021, the company received an impressive 90% customer satisfaction rate for its claims center. This positive feedback underscores the effectiveness and reliability of Say Insurance’s claims process.

The Digital Landscape of Say Insurance: Technological Offerings

Mobile App Features and Functionality

Say Insurance offers a robust mobile app that empowers policyholders with a range of features. From accessing digital ID cards to making policy changes, filing claims, and even contacting roadside assistance, the app provides a comprehensive suite of tools at the customer’s fingertips.

Online Account Management Capabilities

With Say Insurance’s online platform, policyholders have access to a suite of account management tools. These features enable users to view and manage their policies, make payments, and retrieve essential documents with ease. The intuitive interface ensures a seamless online experience.

Digital Tools and Resources

Say Insurance’s digital ecosystem is equipped with an array of resources designed to enhance the customer experience. This includes educational materials, guides, and FAQs, providing policyholders with the information they need to make informed decisions about their coverage.

How Say Insurance Ranks Among Providers

When it comes to choosing the right car insurance provider, it’s essential to explore various options to find the one that best suits your needs. Say Insurance, with its emphasis on online services and customer benefits, has competitors in the insurance market. Let’s delve into some of the main competitors of Say Insurance.

• Geico: Geico, or the Government Employees Insurance Company, is a prominent player in the car insurance industry. Known for its wide range of coverage options and competitive rates, Geico operates nationwide, providing services to a diverse customer base. Geico’s online platform simplifies the quote and policy management process, making it a strong contender for those seeking digital convenience.
• Progressive: Progressive has gained recognition for its innovative approach to car insurance, including the introduction of usage-based insurance through its Snapshot program. With a comprehensive range of coverage options and a user-friendly online interface, Progressive caters to a broad spectrum of drivers. The company’s focus on technology and personalized rates makes it a noteworthy competitor.
• State Farm: As one of the largest auto insurance providers in the United States, State Farm boasts an extensive network of agents and a variety of coverage options. Known for its personalized service and commitment to customer satisfaction, State Farm is a traditional insurer that has adapted well to the digital age.
• Allstate: Allstate is another major player in the insurance industry, offering a range of coverage options and features such as accident forgiveness and deductible rewards. With a strong emphasis on customer service and a user-friendly mobile app, Allstate competes effectively in the market.
• Esurance: A subsidiary of Allstate, Esurance operates primarily as an online insurance provider, aligning with the digital-focused approach of Say Insurance. Esurance offers an easy online quote process and streamlined policy management. It appeals to those who prefer a purely online experience and may find similarities with Say Insurance in terms of the emphasis on digital convenience.

While Say Insurance stands out for its online-centric approach and customer benefits, these competitors each bring their unique strengths to the table. Consider factors such as coverage options, rates, customer service, and digital capabilities when exploring these alternatives to make an informed decision based on your specific preferences and needs.

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.

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.

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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.