Skip to main content
MoneySaverCodes

American Family vs Shelter Insurance

Side-by-side car insurance comparison based on rates across all available locations

Lower Avg Rate

American Family

4.4

Avg Monthly

$79/mo

Best Rate

$60/mo

Best For

Great Plains families

Top Discount

KnowYourDrive 20%

Available In

9 locations

VS

Shelter Insurance

4.5

Avg Monthly

$81/mo

Best Rate

$70/mo

Best For

Oklahoma residents

Top Discount

Multi-policy 15%

Available In

5 locations

Advertisement

AdSense slot: COMPARE_CAR_LEADERBOARD_1 (leaderboard)

Rate Comparison by State

American Family cheaper: 0Shelter Insurance cheaper: 3
Kansas$74/mo$72/moShelter Insurance saves $2/mo
Nebraska$72/mo$70/moShelter Insurance saves $2/mo
Missouri$92/mo$78/moShelter Insurance saves $14/mo

Advertisement

AdSense slot: COMPARE_CAR_RECTANGLE_1 (rectangle)

Which Should You Choose?

Shelter Insurance is the cheaper option in 3 of 3 states where both insurers operate, saving an average of $6/month. American Family is cheaper in 0 states.

Shelter Insurance has a higher average customer rating (4.5/5) compared to American Family (4.4/5). However, ratings can vary by state and coverage type.

American Family is generally best for great plains families, while Shelter Insurance stands out for oklahoma residents. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Advertisement

AdSense slot: COMPARE_CAR_LEADERBOARD_2 (leaderboard)

American Family vs Shelter Insurance — FAQs

Is American Family cheaper than Shelter Insurance?
Shelter Insurance is cheaper in 3 of 3 states where both operate. However, rates vary by location, so American Family may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — American Family or Shelter Insurance?
American Family has an average rating of 4.4/5, while Shelter Insurance averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does American Family offer vs Shelter Insurance?
American Family's top discount is "KnowYourDrive 20%", while Shelter Insurance offers "Multi-policy 15%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.
Can I switch from American Family to Shelter Insurance?
Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both American Family and Shelter Insurance to compare rates for your specific situation.
Which is better for my state?
It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

Related Comparisons

Allstate vs American FamilyAllstate vs Shelter InsuranceAmerican Family vs AmicaAmerican Family vs Concord GroupAmerican Family vs Erie InsuranceAmerican Family vs Farmers
Share this guide