Say Insurance Car Insurance Review (2024)

Say Insurance car insurance could save you up to $188 per month if you switch. Coverage through Say Insurance, a subsidiary of Shelter Insurance, is available in six states, and there are plans for further expansion. You can buy Say Insurance car insurance entirely online, and your coverage options include standard car insurance and a few add-ons. The company has a Better Business Bureau accreditation of A+ and a 4.5 out of five stars customer satisfaction rating.

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Rachel Bodine

Insurance Feature Writer

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...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of, a financial educat...

Licensed Insurance Agent

UPDATED: Nov 1, 2023

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Company Details
Address: 1817 W Broadway
City: Columbia
State: MO
ZIP Code: 65218
Phone Number: 800-225-5729
Year Founded: 2016
AM Best Rating: Not Rated
Company Rating 0 (0 reviews)

Shopping for car insurance can be confusing.  All you want is a basic car insurance guide and easy-to-understand reviews. You’ve come to the right place. We’ve got all the answers you need to compare car insurance companies and pick the right one. So today we’re looking at Say Insurance car insurance.

How much are average Say Insurance car insurance quotes? Is Say Insurance a good company? Who owns Say Insurance, and how does it work? Where can you get Say Insurance? Read this review on the Say Insurance car insurance company to answer these and other questions you might have.

Before we jump into this Say Insurance car insurance review, why not take a few minutes to enter your ZIP code in our rate comparison tool to get free quotes from top companies in your area?

What are average Say Insurance car insurance rates?

Say Insurance car insurance rates aren’t published, so we don’t have specific numbers for you. However, according to Say Insurance, you could save up to $188 per month on your rates if you switch.

There are a few reasons why Say Insurance may offer more affordable rates. First, as a smaller company, Say Insurance can focus on insuring lower-risk drivers more easily than large companies can. This means fewer high-risk drivers are insured by Say, resulting in lower customer base rates.

Another key to offering low rates is the Say Insurance score. The company calculates a traditional insurance score using your age, driving record, ZIP code, etc. It then applies a proprietary formula to generate a Say score for each driver. The score is used to determine rates for drivers, assess eligibility for discounts, and more.

A major thing that sets Say Insurance apart is the company’s focus on transparency. Say Insurance will provide you with your score, should you request it.

Keep reading for specifics on where you can buy Say Insurance car insurance.

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Where can you buy Say Insurance car insurance?

Unfortunately, you can only buy Say Insurance car insurance in a few states. Specifically, coverage from the company is only currently offered in:

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

Keep an eye on Say Insurance if you don’t live in one of these six states because the company is planning to expand and may start offering policies where you live in the future.

What are the company ratings for Say Insurance car insurance?

While rates are a crucial part of the insurance shopping process, there are other factors to consider when you’re trying to decide whether or not a company is right for you. Take a moment to read through this section for an overview of some of these factors and how Say Insurance ranks.

Customer satisfaction ratings are an essential piece of the picture when considering which insurance company is right for your needs. You need to know you’ll be able to get help if you need to file a claim, have an insurance question, etc.

Companies like the Better Business Bureau (BBB) provide some  information. Say Insurance is currently accredited with an A+ by the BBB, and the BBB customer satisfaction rating is 4.5 out of five stars.

You can also look at the National Association of Insurance Commissioners (NAIC) for complaint data, another indicator of customer satisfaction. The NAIC collects complaint information from car insurance companies around the country to generate this data.

The aggregate data is used to create an overall average for the industry, represented by the number one. The individual company information is then compared to the industry average to see how specific companies compare.

The NAIC doesn’t currently have complaint data for Say Insurance, but it has NAIC complaint index numbers for Shelter Insurance, Say Insurance’s parent company. Shelter Insurance has a lower-than-average complaint index of 0.58, which is a good sign.

Finally, financial stability is a data point to review when insurance policy shopping. A.M. Best is a financial rating company that focuses on the insurance industry. While it hasn’t rated Say Insurance so far, A.M. Best gives Shelter Insurance an A rating, which means the company is in a strong financial position to pay its outstanding obligations.

What coverage options does Say Insurance car insurance offer?

Say Insurance keeps it simple by focusing on offering basic coverage options, including:

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

Selling affordable Say Insurance car insurance is one of the company’s goals, but your specific situation will determine just how affordable your coverage is.

Does Say Insurance car insurance offer any add-ons?

Say Insurance offers a couple of add-ons to customers that may or may not increase your rates, depending on the add-on. You’ll automatically get roadside assistance coverage with any policy you buy from Say Insurance at no cost to you. This coverage includes $100 per incident for changing a flat tire, towing, and more.

Say Insurance contracts with Road America to offer this roadside assistance coverage, but there are a few limitations. For example, the coverage does not apply if you are towed because you parked illegally. Additionally, you can only get a tow if your vehicle is within 50 feet of a paved road.

You can also buy rental reimbursement to cover the cost of a rental car if your vehicle needs to be repaired after a covered incident. This add-on is only available if you have either collision or comprehensive coverage.

You can buy a few different levels of rental reimbursement coverage, including:

  • Coverage for $30 per day for up to 30 days
  • Coverage for $40 per day for up to 30 days
  • Coverage for $50 per day for up to 30 days

Where you live and the type of vehicle you want to rent will both be factors to consider when you’re deciding on the appropriate level of coverage.

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

While Say Insurance prides itself on affordable coverage options, it also provides discounts for eligible drivers. Available discounts from Say Insurance include:

  • Advance purchase – discount for purchasing your policy at least seven days before renewal
  • Anti-theft – discount on comprehensive coverage when an approved anti-theft device is installed on your car
  • Continuous insurance – discount for no breaks in coverage
  • Defensive driving course – discount for taking an approved defensive driving course
  • Multi-vehicle – discount for insuring multiple vehicles on a single policy
  • Paperless – discount for selecting paperless billing
  • Pay-in-full – discount for paying for your policy in full and upfront

The company also offers accident forgiveness for covered incidents that cost less than $1,000.

If you’re a loyal customer, you may have another avenue for saving on your rates. Every time you renew your policy with Say Insurance, 50 points will be added to your Say score, and you’ll receive a 4% discount.

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

To purchase coverage from Say Insurance, all you need to do is visit the company’s website. You can request a quote and follow the process outlined for buying a policy.

Once Say insures you, you can log into your My Say account on the Say Insurance website to manage your policy, make changes to your coverage, etc.

You can also use the Say Insurance app, referred to as the Say app, to manage your car insurance policy. This can include anything from paying your bills to filing claims. If you’re insured by Say, or you’re considering it, you can download the Say app through the Google Play store or the App store.

If you’d prefer to work with a person, you can call the company’s customer service line rather than using the website or Say app.

How do you file a claim with Say Insurance?

As a part of Say Insurance’s goal to simplify the insurance process, the company’s claims process is straightforward and easy to follow. Once you’ve filed, you can review the status and progress of your claim at any time. All you need to do to a file claim is:

  • Follow the step-by-step instructions provided when you call the customer service line, use the Say app, or log into your My Say account on the website (you’ll get instructions when you click “file a claim”).
  • Work with the adjuster Say Insurance assigns to you (they will walk you through the process and request any additional information needed to review your claim).
  • Request a quote for the cost of the repairs your vehicle needs as well as a rental car, should you need one (you’ll send this request to your adjuster so they can let you know what is and isn’t covered).
  • Work with your insurance adjuster to provide any further information, etc. to facilitate and receive your payment(s).

Recently, Say Insurance surveyed its customers to find out what they had to say about the company’s claims filing process, and the results were overwhelmingly positive. The claims process has a 90% satisfaction rating according to current customers.

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

To help simplify the decision-making process when considering Say Insurance as a possible coverage option, we’ve summarized some pros and cons we’ve identified for the company.


  • Roadside assistance is included in all policies, at no charge to the customer
  • You can purchase and manage your policy exclusively online
  • You can request your insurance scores from Say Insurance
  • You have access to 24/7 customer service through email, chat, and over the phone


  • You can purchase and manage your policy exclusively online
  • If you need an SR-22, you won’t be able to buy coverage from Say Insurance
  • You won’t be able to bundle your coverage because Say Insurance only sells car insurance

You may find that pros and cons vary, depending on your situation (as our example about online purchasing and policy management demonstrates).

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Say Insurance Car Insurance: The Bottom Line

Say Insurance was founded in 2016 as a subsidiary of Shelter Insurance. The company’s goal is to simplify insurance and offer basic, affordable coverage options online.

With Say Insurance, customers can save up to $188 per month ($1,126 per year) on their rates, and the company’s customer service ratings are positive. The Better Business Bureau accredits Say Insurance with an A+ and reports a 4.5 out of five-star customer satisfaction rating.

Whether you decide to buy Say Insurance car insurance coverage or not, you can save on your rates by comparison shopping. You can get started by entering your ZIP code the tool on this page to get a free quote and start saving right now.

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