Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 29, 2022

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Key Takeaways

  • Say Insurance only offers car insurance in six states
  • Rates are calculated based on personal factors as well as Say’s own formula
  • Roadside assistance and accident forgiveness are included in all Say Insurance policies

Say Insurance is one of the newer online-only car insurance companies out there. Although Say Insurance car insurance is only available in a few states, the company has excellent BBB and app ratings.

If you are looking for streamlined car insurance coverage, Say Insurance may be the company for you. However, be sure to compare car insurance companies before you make a decision. Every company will offer different rates and ratings.

Keep reading our Say Insurance car insurance review to learn more. Enter your ZIP code to compare free car insurance quotes from companies in your area.

What is the Say Insurance car insurance company?

Say Insurance was created by Shelter Insurance as a completely digital car insurance company. Because coverage is simplified, rates can stay low. Everything from getting a Say Insurance car insurance quote to filing a claim can be done on the website or through the app.

Although coverage is offered online, Say Insurance is only available in Colorado, Illinois, Indiana, Kansas, Missouri, and Tennessee.

If you are a driver who needs to see an agent face to face or bundle policies, Say Insurance isn’t for you. However, if you just want car insurance and are comfortable doing everything online, Say Insurance will fit the bill and save you money.

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What are Say Insurance car insurance rates?

While Say Insurance auto insurance rates aren’t readily available, we can look at how the company determines your rates.

First, Say Insurance looks at the traditional factors like your age and driving record.

Your driving record is very important because not only does it show how risky you are as a driver, but Say Insurance won’t offer you coverage if you have a bad driving record. This means high-risk drivers won’t be able to get low Say Insurance rates.

To give you an idea of just how much your driving history affects car insurance rates, this table shows the average annual rates from top companies.

Average Annual Car Insurance Rates by Driving History
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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Next, Say Insurance also uses an insurance score to determine your rates. According to the Insurance Information Institute, your insurance score is similar to your credit score in that it looks at if you make payments on time and length of credit history.

Say Insurance combines your personal factors, insurance score, and how long you’ve been with the company to create a unique Say score. The longer you stay with Say Insurance, the lower your rates.

What car insurance coverages does Say Insurance offer?

Although Say Insurance only offers car insurance, it doesn’t offer any additional add-ons like GAP or umbrella coverages. Say Insurance also won’t insure luxury vehicles, classic cars, motorcycles, commercial vehicles, or racing cars.

Say Insurance coverages include:

  • Liability
  • Comprehensive
  • Collision
  • Medical payments
  • Uninsured motorists

Roadside assistance is included in all policies. Say also includes accident forgiveness for accidents that cost less than $1,000 on policies. Drivers can choose to add rental car coverage as well.

What car insurance discounts are available with Say Insurance?

Most car insurance companies offer a multitude of discounts to help drivers save. However, Say insurance only offers six discounts.

Say Insurance discounts are:

  • Advance purchase
  • Anti-theft
  • Continuous coverage
  • Defensive driving
  • Paperless
  • Paid in full

Since car insurance discounts can make a huge impact on your rates, it’s important to know what other companies offer. This table shows you common car insurance discounts for top companies.

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Because Say Insurance only offers car insurance, you also can’t get a discount for bundling policies.

Car insurance discounts can make a difference in which company is cheaper for you. As you compare car insurance quotes, be sure to take into account what discounts are available to you as well.

How do you cancel Say Insurance car insurance?

While most insurance-related tasks can be completed through the Say Insurance website or app, you can’t cancel your coverage online.

To cancel Say Insurance car insurance coverage, you will need to call customer service at 1-800-225-5729. Make sure you have your policy number and the date you want coverage to end available.

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How do you file a car insurance claim with Say Insurance?

Filing a car insurance claim with Say Insurance is easy. You can file your claim either through the app or by calling customer service.

Once your claim is filed, you will be able to find your adjuster’s information in your app. Be prepared by having pictures of the damage to your car and a police report if you filed one.

However, keep in mind that filing an auto insurance claim can raise your rates. Do the math to determine if it will be cheaper for you to pay for repairs yourself.

What are the Say Insurance ratings?

Ratings are also important when choosing a car insurance company. You need to be confident that your company is stable and easy to deal with when you need it.

Since Say Insurance has only been around for a few years, it doesn’t have a financial stability rating from A.M. Best yet. However, its parent company Shelter Insurance has an A+ rating, showing a superior ability to meet financial commitments.

Say Insurance has been around long enough to earn a rating from the Better Business Bureau (BBB) on customer interaction. Say Insurance earned an A+ rating and accreditation.

How well the Say Insurance app rates is also important since drivers use it for policy access. The Say Insurance app received a 4.4/5 rating in the Apple App Store and a 4.8/5 rating in the Google Play Store.

Say Insurance Car Insurance: The Bottom Line

Although some drivers can get affordable Say Insurance car insurance, drivers who have a poor driving record or own certain types of vehicles won’t be able to get coverage. Say Insurance is also only available in six states.

However, drivers who can qualify for coverage will find roadside assistance and accident forgiveness included in their policies, as well as low rates.

Before you buy Say Insurance car insurance, shop around. Compare rates, discounts, and ratings to find the best car insurance company for you.

We hope you’ve learned all you need to know about Say Insurance. Before you go, enter your ZIP code to compare quotes from car insurance companies near you for free.