Say Insurance Auto Insurance Review [2022]

Say Insurance auto insurance is a subsidiary of Shelter Insurance and sells basic coverage and a couple of add-on options in six states across the country. Savings of up to $187 per month are possible with Say Insurance. The company offers an entirely online experience for buying and managing policies and focuses on customer service. The Better Business Bureau gives Say Insurance auto insurance an A+ accreditation and reports customer reviews of 4.5 out of five stars.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 4, 2022

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What You Should Know

  • You can buy Say Insurance auto insurance in Missouri, Tennessee, Kansas, Colorado, Illinois, and Indiana
  • Say Insurance is a subsidiary of Shelter Insurance and receives an A+ accreditation and 4.5 out of five stars for customer satisfaction through the Better Business Bureau
  • Say Insurance offers liability, collision, comprehensive, medical payment, and uninsured/underinsured motorist coverage, as well as a couple of add-ons

Understanding auto insurance, coverage offerings, and company business models are all important pieces of the decision-making process when you’re deciding on the best coverage and auto insurance company for your needs. So how does Say Insurance auto insurance stack up?

In this Say Insurance auto insurance review, we’ll answer questions like whether the company is legitimate, where it sells insurance, who owns the company, what coverage offerings and discounts are available, and more.

One of the benefits of reading reviews like this one is finding out which companies offer the best options for savings. But regardless of whether or not Say Insurance auto insurance meets your needs, you can save by comparison shopping. Enter your ZIP code in the tool on this page to get free quotes from companies in your area today.

What are average Say Insurance auto insurance rates?

We know you need to know how much you’ll pay for insurance, so we looked at available information on rates for Say Insurance. Unfortunately, the company doesn’t publish average rates for its insured drivers. However, we did find a few facts that can help.

Say Insurance states it is committed to offering fair and affordable rates, as well as a few different ways to save (we’ll spend some time discussing perks and discounts later). As a part of this, the company promises savings of up to $187 per month on your rates, though actual savings will vary based on your driving record, what you’re currently paying, etc.

As a smaller auto insurance company, Say Insurance may offer lower rates than larger companies because it can focus on insuring lower-risk drivers and avoiding selling coverage to higher-risk drivers. For example, the company doesn’t sell coverage to drivers who need an SR-22.

This helps keep overall risk to the company lower, which contributes to lower base rates for insured drivers. Smaller companies like Say Insurance may also keep rates lower because coverage options and rates can be more specifically tailored, as smaller companies insure fewer drivers.

Say Insurance also offers a unique bit of information to its insured drivers that most companies don’t: your insurance score. Say Insurance uses the common factors (age, driving record, credit score, etc.) to calculate your insurance score and then takes it a step further by using a proprietary formula to create a Say score.

The Say score, which Say Insurance  provides to insured drivers, is how the company calculates your rates, provides discounts for customer loyalty, and more.

We know all this sounds great, but it doesn’t really matter if you’re living somewhere where Say Insurance isn’t sold. Read the following section to find out if it’s available where you live.

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Where can you buy Say Insurance?

Currently, you can only buy Say Insurance in a few states across the country:

  • Missouri
  • Tennessee
  • Kansas
  • Colorado
  • Illinois
  • Indiana

If Say Insurance isn’t sold in your state yet, don’t worry. The company plans to expand and will eventually be available in all 50 states and the District of Columbia.

What are the company ratings for Say Insurance?

Now that we’ve spent some time reviewing where you can buy coverage and how much you could save, Say Insurance’s customer service and financial stability are a couple of other aspects to consider.

The Better Business Bureau (BBB) gives Say Insurance an A+ accreditation. Additionally, customer reviews through the BBB result in a 4.5 out of five stars for customer satisfaction.

We also looked at the National Association of Insurance Commissioners (NAIC) to find out what kind of complaint rates the company receives.

The NAIC collects complaint data for insurance companies across the industry and uses the data to create an industry average (indicated by the number one) against which individual company data can be compared. The NAIC doesn’t have complaint data for Say Insurance, but it does have information on Shelter Insurance.

In 2020, the Shelter Insurance NAIC complaint index was 0.58, which is well below average. This isn’t a direct indicator of what the complaint index for Say Insurance might be. Still, since Shelter Insurance is the parent company for Say Insurance, we think it’s safe to assume Say probably has a comparable focus on customer service.

Finally, when it comes to financial stability, the best resource is A.M. Best, which hasn’t yet rated Say Insurance.

However, it does have financial rate data for Shelter Insurance. A.M. Best has given Shelter Insurance an A rating. This means Shelter Insurance has a positive outlook for the future, is financially stable, and should be able to pay out on any remaining financial obligations.

What coverage options does Say Insurance offer?

Before you buy coverage from any company, you need to know what options are available. You can purchase standard coverage from the Say Insurance auto insurance company, including:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/Underinsured motorist coverage
  • Medical Payment (MedPay) coverage

State laws determine how much coverage you’re required to have to drive legally. Still, you should do your research and work with your insurance company to determine what coverage you need (beyond the minimum requirements in your state).

Does Say Insurance offer any auto insurance add-ons?

Say Insurance adds free roadside assistance to every policy sold. This roadside assistance coverage includes protection for up to $100 per incident. Anything above the $100 threshold will be your responsibility.

For a fee, you can also add rental reimbursement to your policy. This coverage includes protection that pays for a rental car if your vehicle is in the shop for repairs after a covered accident or another incident that resulted in damage.

You can also elect to add new car replacement coverage if you’re interested. After a covered incident in which your vehicle is totaled, if you have new car replacement on your policy, you’ll get money for a new car of the same make and model as your previous vehicle. You will still have to pay your deductible.

Are there any discounts or other perks available with a Say Insurance policy?

Say Insurance offers a couple of perks to insured drivers, including accident forgiveness for accidents with less than $1,000 in damages. The company also offers loyalty rewards using a driver’s Say score.

When Say Insurance insures you, your Say score increases 50 points with every policy renewal. This 50-point increase results in a 4% decrease in your rates.

As for discounts, Say Insurance offers several of the most common, including:

  • Advance purchase – when you renew your policy at least seven days ahead of the renewal date
  • Anti-theft – when you have an approved anti-theft device on your vehicle with comprehensive coverage
  • Continuous insurance – when you have no break in coverage before switching to Say Insurance
  • Defensive driving course – when you take an approved defensive driving course
  • Multi-vehicle – when you insure more than one vehicle on your policy
  • Paperless – when you go paperless
  • Pay-in-full – when you pay for your policy upfront, rather than making monthly payments

Keep reading for how to get Say Insurance auto insurance quotes and buy a policy.

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How do you buy and manage a Say Insurance auto insurance policy?

You can buy auto insurance from Say Insurance by requesting a quote and electing to purchase coverage. You have options for how to manage your coverage after you buy your policy, including:

  • The company website
  • The Say Insurance app
  • Say Insurance customer service line (1-800-225-5729)

The app is a great way to manage your policy conveniently, and it’s available on both the App Store and the Google Play store. With the Say app, you can access your digital insurance card, pay your Say Insurance bills, make adjustments to your policy, file a claim, request roadside assistance, and more.

How do you file a claim with Say Insurance?

An accident is one of the most stressful experiences a driver can have, and we know the last thing you’re probably thinking about in the moments immediately after the accident is insurance. And that’s okay.

But once you’ve calmed down and you’ve assessed any injuries you or your passengers have experienced from the accident, if you’re able to do so, take a minute to think about your insurance. It’s a good idea to reach out to Say Insurance before you leave the site of the accident and be prepared to provide the following information:

  • Names, phone numbers, etc. for all drivers and passengers involved in the accident
  • Details (if available) on any injuries you and others involved in the accident experienced
  • Day, time, and location of the accident
  • How the accident occurred
  • As many pictures of the accident as you can take
  • The police report number, if it’s available (in some cases, you may need to get this later from the local police station)

Whether you use the website, app, or customer service line to start the claim process, Say Insurance will provide you with clear steps to follow so you can quickly complete your claim.

After you’ve submitted your claim, a claims adjuster will reach out to you if there are any questions about your filing. If you get quotes for the cost of repairs, your claims adjuster will also answer questions you have about what may be covered.

Once the claims adjuster is finished reviewing your claim and finalizes the details, they’ll work with you to ensure all covered bills are paid and you receive any remaining payout.

What are the pros and cons of Say Insurance auto insurance?

We’ve hit you with quite a bit of information about Say Insurance, but what does it all mean? We’ve summarized the main points in a pros and cons list. Take a look.


  • Say Insurance adds free roadside assistance to every policy.
  • Say Insurance offers an online-only purchasing and policy management approach.
  • You can reach Say Insurance customer service 24/7, and you have options including email, chat, and phone calls.


  • Say Insurance only sells coverage in Missouri, Tennessee, Kansas, Colorado, Illinois, and Indiana.
  • Say Insurance only sells coverage online, meaning there are no face-to-face interactions with agents, although you can call customer service.
  • Say Insurance doesn’t sell coverage to drivers who need an SR-22.

You’ll notice that one of our pros is also listed as a con. In some cases, depending on individual needs, one driver could list something as a pro, while another could list it as a con. As a result, we recommend you do your own pros and cons analysis.

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Say Insurance Auto Insurance: The Bottom Line

You can buy basic coverage and a few add-ons from Say Insurance in six states across the country. The company focuses on selling affordable Say Insurance auto insurance coverage entirely online and indicates you could save up to $187 per month if you switch.

The company has a solid reputation for customer service, with 4.5 out of five stars for customer satisfaction as reported by the BBB. The BBB also gives Say Insurance an A+ accreditation.

Before you leave this Say Insurance auto insurance review, take a minute to use your ZIP code in our comparison tool to get quotes from top companies right now and save.

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