Shelter Insurance vs State Farm

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

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

State Farm

4.5

Avg Monthly

$101/mo

Best Rate

$56/mo

Best For

Overall value

Top Discount

Multi-policy 17%

Founded

1922 · Bloomington, Illinois

Available In

50 locations

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Rate Comparison by State

Shelter Insurance cheaper: 5State Farm cheaper: 0


Arkansas	$88/mo	$94/mo	Shelter Insurance saves $6/mo
Oklahoma	$98/mo	$102/mo	Shelter Insurance saves $4/mo
Missouri	$78/mo	$82/mo	Shelter Insurance saves $4/mo
Kansas	$72/mo	$76/mo	Shelter Insurance saves $4/mo
Nebraska	$70/mo	$74/mo	Shelter Insurance saves $4/mo

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Pros & Cons

Shelter Insurance

Detailed profile not yet available for Shelter Insurance.

State Farm

Pros

✓Largest agent network in the US for local, in-person service
✓Consistently high customer satisfaction scores
✓Competitive rates for multi-policy bundles
✓Broad product range: auto, home, life, health, business

Cons

✗Premiums can be above average in some states
✗Digital tools lag behind online-first competitors

Which Should You Choose?

Shelter Insurance is the cheaper option in 5 of 5 states where both insurers operate, saving an average of $4/month. State Farm is cheaper in 0 states.

Shelter Insurance is generally best for oklahoma residents, while State Farm stands out for overall value. The right choice depends on your priorities — lowest price, best service, or specific discounts.

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Shelter Insurance vs State Farm — FAQs

Is Shelter Insurance cheaper than State Farm?

Shelter Insurance is cheaper in 5 of 5 states where both operate. However, rates vary by location, so State Farm may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Shelter Insurance or State Farm?

Shelter Insurance has an average rating of 4.5/5, while State Farm averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Shelter Insurance offer vs State Farm?

Shelter Insurance's top discount is "Multi-policy 15%", while State Farm offers "Multi-policy 17%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Shelter Insurance to State Farm?

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 Shelter Insurance and State Farm 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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