Say Auto Insurance Review (2024)

Say Insurance, founded in 2016, is new to the insurance world and offers policyholders various coverage and discount opportunities. It stands apart from competitors by allowing customers to see valuable information about their auto insurance score, which companies use to assess your risk level to insure.

Say Insurance prefers to do business online, directing customers to use their email address for any questions rather than using a Say Insurance phone number

Owned and backed by Shelter Insurance, Say Auto Insurance offers the standard policy options most companies sell but lacks add-on coverage. However, the company recently stopped selling insurance products, though it will continue to service existing policies. You can still find a Shelter Auto Insurance quote, though.

Is it better to buy insurance from an agent or online? That depends on your own preferences. With transparent pricing, the company could be a good fit for first-time insured drivers, so keep reading this Say Insurance review.

What You Should Know About Say Insurance

Most customer reviews of Say Insurance are positive, but there’s limited feedback from policyholders since the company is new. Don’t confuse this company with Say Yes Insurance, which is not actually a company at all.

The National Association of Insurance Commissioners (NAIC) hasn’t received an official complaint for the company. However, its parent company Shelter Insurance has a positive complaint index of 0.23 from the organization. This score suggests Shelter only receives 23% as many complaints as expected for a company of its size and that customers are satisfied with the company.

You can look at websites such as the Better Business Bureau and the NAIC if you want to answer the question, what insurance company has the most complaints?

Regarding financial stability, A.M. Best gave the company an A, indicating it can pay out its claims to policyholders.

While the Better Business Bureau doesn’t accredit Say, its site shows 4.72 out of 5 stars for customer reviews.

Say Insurance Coverage Options

You can’t purchase new coverage with Say Auto Insurance, but existing policyholders enjoy the standard coverages necessary to drive legally. However, the company lacks additional coverage options. For example, some drivers require add-on coverages for full protection, like GAP insurance, which Say Insurance doesn’t sell.

Also, since the company doesn’t offer other insurance types, you can’t bundle a Say Insurance auto policy with home insurance, for example.

Below is a list of the standard coverages available with Say Insurance:

• Bodily injury liability. Bodily injury liability insurance covers medical bills, lost wages, and funeral costs for other drivers and passengers involved in a car accident you caused.
• Property damage liability. Property damage liability covers vehicle and property damages you caused in an at-fault accident.
• Collision. Collision auto insurance coverage pays to repair or replace your vehicle after an accident, regardless of fault.
• Comprehensive. Comprehensive auto coverage covers vehicle damages not caused by a collision, like vandalism, theft, weather, and fire.
• Uninsured/underinsured motorist. Uninsured/underinsured motorist auto insurance coverage pays for damages caused by a driver with inadequate or no insurance or if you’re involved in a hit-and-run.
• Medical payments. Medical payment coverage pays for medical bills following a covered accident.

Say’s collision and comprehensive coverages come with new car replacement coverage, meaning policyholders who get in an accident within a year of buying a car could get a check for the value of a new car of the same make and model.

Though the company’s add-on coverage options are limited, Say offers two coverages that are common in the car insurance industry:

• Roadside assistance. Roadside assistance plans cover up to $100 worth of services, including dead batteries, flat tires, lockout services, and towing. Unlike other companies, Say Insurance’s roadside assistance comes with every auto policy.
• Rental reimbursement. Rental car reimbursement pays for a rental vehicle while your car gets repaired following a claim. However, it only pays for repairs resulting from an accident covered under your collision and comprehensive coverages.

Say’s car insurance rates vary based on personal factors and coverage selection. Most states require liability coverage, but not all drivers need full coverage. See the table below to compare full coverage versus minimum coverage rates from the top auto insurance companies.

Average Monthly Minimum Coverage Rates for the Top Auto Insurance Companies

Insurance Company	Average Minimum Coverage Rates	Average Full Coverage Rates
	$87	$160
	$66	$116
	$76	$138
	$50	$80
	$90	$173
	$61	$115
	$69	$105
	$40	$86
	$53	$99
Average	$69	$119

As you can see, you’ll pay more for full coverage than minimum coverage, but you have more protection. However, some drivers could decline full coverage if their car is old or its value is lower than their deductible.

Say Insurance Rates Breakdown

While you won’t know how much you’ll pay for coverage before getting a Say automotive insurance quote, it’s important to compare Say’s average rates to the national average and its competitors. Who typically has the cheapest insurance? That depends on a number of different factors.

Full Coverage Auto Insurance Monthly Rates by State

Various other factors affect auto insurance rates besides company choice, so you should also compare average rates based on various personal characteristics.

If you have an at-fault accident on your record, expect to pay more for Say car insurance.

Say Insurance Rates With a DUI

A DUI is a serious offense to an insurance company, so expect much higher rates. The table below compares the rates of auto insurance for drivers with a DUI to the rates you would pay with a clean record.

DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider

Insurance Company	Clean Record	One DUI
	$86	$240
	$160	$225
	$117	$176
	$97	$166
	$139	$198
	$80	$132
	$174	$234
	$115	$161
	$105	$186
	$86	$202
	$112	$250
	$99	$239
U.S. Average	$119	$173

Drivers with a DUI on their record should expect to pay more for Say auto insurance coverage.

Say Insurance’s Transparent Rates for Standard Coverage

One of the ways Say Insurance stands apart from competitors is its transparent rate calculations. Insurance companies rarely offer policyholders details about how they calculate rates, but Say Insurance lets drivers see their insurance scores for free. You might wonder, when should I review my insurance policy?

Customers who opt to receive their insurance score can better understand it and the steps to improve them. As your score increases, your rates decrease. Say Car Insurance policies renew every six months, allowing policyholders to lower their rates at the beginning of each term potentially.

Additionally, Say Insurance considers customer loyalty when setting rates to help policyholders save on coverage.

Say Insurance Discounts Available

Say offers various auto insurance discounts commonly offered at many insurance companies. For drivers looking to save on coverage, the company’s savings consider the driver, vehicle, and policy.

Say Auto Insurance Discounts

As previously mentioned, Say Insurance doesn’t offer many other policies besides auto, so you can’t receive a discount for bundling coverage with a home policy, for instance. However, the company still offers many ways for customers to save on their auto policy.

How Say Insurance Ranks Among Providers

Though Say offers financial stability, good customer service, and decent rates, comparing quotes with your Say Insurance quote and looking at average company rates is important. Who is the most expensive insurance company? Let’s take a look at some different rates.

Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$328	$378	$99	$103	$88	$86	$86	$84
	$448	$519	$168	$176	$162	$160	$158	$157
	$305	$414	$116	$137	$115	$117	$113	$114
	$405	$461	$125	$128	$114	$111	$111	$109
	$597	$629	$160	$167	$139	$139	$136	$136
	$220	$254	$90	$87	$80	$80	$78	$78
	$626	$626	$174	$200	$171	$174	$167	$170
	$283	$318	$87	$91	$78	$77	$77	$76
	$303	$387	$124	$136	$113	$115	$111	$112
	$591	$662	$131	$136	$112	$105	$109	$103
	$253	$292	$77	$79	$72	$71	$71	$69
	$229	$284	$94	$103	$86	$86	$84	$84
	$407	$469	$126	$133	$115	$113	$112	$109
	$530	$740	$99	$108	$98	$99	$96	$97
	$180	$203	$74	$79	$59	$59	$58	$57
U.S. Average	$416	$501	$128	$139	$119	$119	$117	$117

As you can see, rates vary by company, so it’s important to shop around and compare quotes. Is it OK to buy auto insurance online? Yes, buying car insurance online is typically a safe and secure way to purchase coverage.