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Progressive vs Shelter Insurance

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

Progressive

4.1

Avg Monthly

$114/mo

Best Rate

$66/mo

Best For

Usage-based savings

Top Discount

Snapshot 30%

Founded

1937 · Mayfield Village, Ohio

Available In

50 locations

VS
Lower Avg Rate

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

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Rate Comparison by State

Progressive cheaper: 0Shelter Insurance cheaper: 5
Kansas$90/mo$72/moShelter Insurance saves $18/mo
Nebraska$88/mo$70/moShelter Insurance saves $18/mo
Oklahoma$118/mo$98/moShelter Insurance saves $20/mo
Missouri$98/mo$78/moShelter Insurance saves $20/mo
Arkansas$112/mo$88/moShelter Insurance saves $24/mo

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Pros & Cons

Progressive

Pros

  • Accepts high-risk and SR-22 drivers
  • Snapshot telematics can save safe drivers up to 30%
  • Name Your Price tool lets you build a policy around your budget
  • Competitive for bundling home and auto

Cons

  • Rates can be higher than competitors for clean-record drivers
  • Customer satisfaction scores vary by region

Shelter Insurance

Detailed profile not yet available for Shelter Insurance.

Which Should You Choose?

Shelter Insurance is the cheaper option in 5 of 5 states where both insurers operate, saving an average of $20/month. Progressive is cheaper in 0 states.

Shelter Insurance has a higher average customer rating (4.5/5) compared to Progressive (4.1/5). However, ratings can vary by state and coverage type.

Progressive is generally best for usage-based savings, while Shelter Insurance stands out for oklahoma residents. The right choice depends on your priorities — lowest price, best service, or specific discounts.

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Progressive vs Shelter Insurance — FAQs

Is Progressive cheaper than Shelter Insurance?
Shelter Insurance is cheaper in 5 of 5 states where both operate. However, rates vary by location, so Progressive may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — Progressive or Shelter Insurance?
Progressive has an average rating of 4.1/5, while Shelter Insurance averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does Progressive offer vs Shelter Insurance?
Progressive's top discount is "Snapshot 30%", 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 Progressive 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 Progressive 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.

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