Say Insurance Car Insurance Review (2022)

Say Insurance car insurance, a subsidiary of Shelter Insurance, sells coverage in six states. If you buy Say Insurance car insurance, you could save up to $187 per month on your rates. Say Insurance’s policy options include basic coverage and add-ons like rental reimbursement and roadside assistance, which are all sold entirely online. The company is A+ accredited by the Better Business Bureau, and customer reviews indicate 4.5 out of five stars.

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UPDATED: Dec 22, 2021

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  • You can buy standard coverage and add-ons like rental reimbursement from Say Insurance in six states in the U.S.
  • The Better Business Bureau accredits Say Insurance with an A+ and reports a 4.5 out of five star rating for customer satisfaction
  • Say Insurance, a subsidiary of Shelter Insurance, promises savings of up to $187 per month if you switch

When you’re shopping for car insurance, one way to find information to help you decide on the best company for your needs is to read car insurance company reviews. And this Say Insurance car insurance review is a great place to start.

Is Say Insurance a legitimate car insurance company? Where can you buy Say Insurance, and who owns the company? What are average Say Insurance car insurance quotes? We’ll answer these and other questions in this Say Insurance review.

Saving on your rates is another important piece of shopping for coverage, whether Say Insurance is suitable for your needs or not, and you can do that right now by using your ZIP code in the tool on this page. You’ll get car insurance quotes from top companies so you can compare and save.

What are average Say Insurance car insurance rates?

Is affordable Say Insurance car insurance available? The company doesn’t publish rates but works to keep rates fair and offers several ways to save (we’ll detail discounts in a later section).

By switching to Say Insurance, you could save up to $187 per month, or $1,126 per year, on your rates. Keep in mind, the total savings you see when you switch will vary based on factors like your age and driving record, what you paid previously, and the discounts for which you qualify.

One of the ways companies like Say Insurance can offer competitive rates is by focusing on lower-risk customers. Smaller companies are better able to do this than larger companies. As a result, they can keep overall rates lower because the aggregate driver risk for the company is lower. Additionally, smaller companies can tailor coverage options and rates more individually because of fewer insured drivers.

Say Insurance differentiates itself from other insurance companies with its commitment and approach to customer transparency. This includes providing insured drivers with their insurance scores.

Insurance scores are used to calculate rates, and typically factors that impact the score include your age, driving record, credit score, and more. Say Insurance takes the traditional insurance score and uses a proprietary formula to create a Say score, which is what is provided to insured drivers. The Say score is the basis for your rates with the company.

Keep reading to find out where you can buy coverage from Say Insurance, what kind of coverage you can buy, and more.

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Where can you buy Say Insurance car insurance?

If you’re considering Say Insurance, you’ll need to know whether or not you can even buy coverage from the company where you live. At this time, Say Insurance is only sold in six states:

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

If you don’t live in one of these states, Say Insurance isn’t currently an option for you. However, Say Insurance has stated it plans to expand, so you may be able to buy coverage from the company in the future. Keep an eye on Say Insurance to find out when it offers coverage in your state.

What are the company ratings for Say Insurance car insurance?

We know cheap car insurance is probably important to you. Still, there are a few other factors to consider before deciding, including Say Insurance’s customer service reputation and financial stability.

We started by looking at the Better Business Bureau (BBB) to find out how Say Insurance ranks. The BBB gives Say Insurance an A+ accreditation, and customer satisfaction reported through the BBB indicates strong customer service, with a 4.5 out of five stars.

Another source for customer service data is the National Association of Insurance Commissioners (NAIC), which gathers information on complaints filed with insurance companies across the industry.

The aggregate data is used to develop an industry average for complaints, represented by the number one. The NAIC then compares individual company data to the industry complaint index to determine where companies rank in receiving more or less than the average number of complaints.

The NAIC doesn’t have complaint data for Say Insurance but does for its parent company, Shelter Insurance. The Shelter Insurance NAIC complaint index was 0.58 in 2020, which is below average. It’s likely that Say Insurance has a similar approach to customer service as a subsidiary of Shelter Insurance.

A.M. Best doesn’t have financial ratings for Say Insurance either, but does for Shelter Insurance. A.M. Best gives Shelter Insurance an A rating, which indicates the company is financially stable and is capable of paying out on any outstanding financial obligations.

What coverage options does Say Insurance car insurance offer?

Say Insurance car insurance company offers a few basic coverage options, including:

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

You’ll need at least liability coverage that meets the minimum coverage required in your state. This likely isn’t enough coverage, but the exact combination of additional liability, collision, comprehensive, and other coverage you need will depend on your needs.

Does Say Insurance car insurance offer any add-ons?

You’ll automatically get roadside assistance with your policy if you buy coverage through Say Insurance. The company includes roadside assistance with up to $100 per incident on every policy the company sells.

Another add-on offered by Say Insurance is rental reimbursement. You’ll need to pay a fee when adding this to your policy. If your vehicle is damaged in a covered incident, you can use your rental reimbursement coverage to pay for a rental car while yours is being repaired.

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

Say Insurance offers several discounts for eligible drivers, including:

  • Advance purchase – for renewing your policy at least seven days ahead of the renewal date
  • Anti-theft – for having an approved anti-theft device on your vehicle (only applies if you have comprehensive coverage)
  • Continuous insurance – for having no break in coverage before switching to Say
  • Defensive driving course – for taking an approved defensive driving course
  • Multi-vehicle – for insuring more than one vehicle on your policy
  • Paperless – for choosing to go paperless
  • Pay-in-full – for paying for your policy upfront (instead of making monthly payments)

With accident forgiveness from Say Insurance, your rates won’t increase after an incident, as long as the cost of the incident is less than $1,000.

Say Insurance also rewards loyalty. The longer you’re with the company, the more you can save. How? You’ll get an extra 50 points on your Say score at each policy renewal. And with that extra 50 points, you’ll also get a 4% discount.

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

If you want to buy a policy with Say Insurance, all you need to do is request a quote. Once you have a quote and purchase coverage, you’ll be able to use the Say Insurance website, app, and customer service line to manage and make changes to your policy.

Downloading the Say app is one of the first things you should do after you buy a policy, so you can use it to pay your bills, make changes to your policy, etc. It’s compatible with both iPhone and Android and can be obtained through the App Store and the Google Play store.

How do you file a claim with Say Insurance car insurance?

If you’re involved in some kind of incident that requires filing a claim, you can do so through the website, app, or by calling customer service. You should reach out to Say Insurance before you’ve left the site of the incident to make sure you’re able to get all the necessary information for a complete claim. In addition to contacting Say Insurance immediately, you should be sure to collect information like:

  • Contact information for everyone involved in the accident
  • Available information on any injuries resulting from the accident
  • Location, time, and how the accident occurred
  • Pictures of the accident from as many angles as possible
  • The police report number (if you have it)

Once you’ve reached out to the company through your preferred method, you’ll receive detailed instructions on how to file a claim. Say Insurance promises a straightforward process that should only take a few minutes of your time.

Once you’ve successfully followed the steps and filed your claim, a claims adjuster will take your case. This claims adjuster will review your case and request additional information if necessary. While you’re waiting on the completed assessment, you can reach out to repair shops to get estimates for getting your vehicle fixed. You can send the estimates to the claims adjuster to determine what will (or won’t) be covered.

The claims adjuster assigned to your case will complete their assessment of the situation and your claim and determine what is and isn’t covered. They’ll also help you ensure any covered bills are paid.

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

Now that we’ve covered the facts for Say Insurance, how do you know if the company is the right fit for your car insurance needs? One way to help narrow the decision space is to compile a list of pros and cons. To get you started, we put together our own list.


  • You’ll get free roadside assistance coverage when you buy your policy
  • You’ll be able to buy Say Insurance and manage your policy entirely online (there are no face-to-face interactions)
  • Say Insurance customer service is available 24/7 through email, chat, and over the phone


  • You can only buy Say Insurance in Missouri, Tennessee, Kansas, Colorado, Illinois, and Indiana
  • There are no agents as it’s entirely online
  • If you need an SR-22, you won’t be able to get coverage from Say Insurance

Your list may look different than ours, based on your needs and situation, so it’s a good idea to think through your pros and cons. A good example of this is the pro (and con) of online purchasing and policy management, which could be a good or bad thing, depending on your preferences.

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Say Insurance Car Insurance: The Bottom Line

Say Insurance, a subsidiary of Shelter Insurance, sells coverage in six states. When you buy a policy from Say Insurance, your options include basic coverage and a couple of add-ons like roadside assistance and rental reimbursement.

If you switch to Say Insurance, the company promises savings of up to $187 per month on your rates. In addition to affordable coverage options, Say Insurance offers good customer service. The BBB reports a 4.5 out of five stars for customer service and an A+ accreditation.

Now that you’ve read our Say Insurance car insurance review, why not use your ZIP code in our free rate comparison tool to get quotes from companies where you live and save.

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