Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Dec 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Truth in a Nutshell

  • Say Insurance sells standard car insurance coverage as well as a few add-ons to drivers in six states
  • Say Insurance was founded in 2016 as a subsidiary of Shelter Insurance and receives an A+ accreditation from the Better Business Bureau as well as 4.5 out of five stars for customer satisfaction
  • Drivers could save up to $187 per month ($1,126 per year) on rates by switching to Say Insurance

We know finding affordable car insurance is important to you. Why is insurance so expensive, and what can you do to get cheaper coverage? We’re looking at Say Insurance car insurance today to help you decide if it’s an affordable coverage option to meet your needs.  

What are average Say Insurance car insurance rates? Who owns Say Insurance, and where can you buy it? Read this Say Insurance car insurance review to answer these and other questions. 

Before diving into the full Say Insurance car insurance review, take a minute to enter your ZIP code in the tool on this page to get free quotes from top companies to compare and save.

What are average Say Insurance rates?

Say Insurance doesn’t publish its insurance rates, but the company does promise competitive rates and numerous ways to save. How does Say Insurance offer affordable coverage?

Companies like Say Insurance, which are on the smaller side, can offer lower rates because they can focus on covering lower-risk drivers, which keeps overall rates lower. Additionally, smaller companies may be better able to tailor coverage and rates to customers because there are fewer customers.

Say Insurance promises savings of up to $187 per month (which totals $1,126 per year) on your rates if you switch. However, the savings you see will depend on various factors, including your current rates, your driving record, which discounts you qualify for, etc.

Say Insurance focuses on being as transparent as possible regarding the insurance process, which includes offering customers the option to request the insurance score that’s used to calculate rates.

In addition to the traditional insurance score, which is informed by factors like your age, driving record, etc., Say Insurance applies its proprietary formula to generate a Say score for each insured driver. This further supports the rate calculation process and provides an avenue for rewarding customer loyalty.

In the following few sections, we’ll review information on where you can buy a Say Insurance policy, ratings for the Say Insurance car insurance company, and more.

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Where can you buy Say Insurance car insurance?

If you’re wondering where you have to live to be able to request Say Insurance car insurance quotes and buy coverage from the company, look no further. Say Insurance is currently sold in the following states:

  • Missouri
  • Tennessee
  • Kansas
  • Colorado
  • Illinois
  • Indiana

While Say Insurance is only available in six states, the company is expanding, and coverage may be available in other states soon. Keep reading for information on other points to consider when shopping for car insurance.

What are the company ratings for Say Insurance?

Picking an insurance company may not seem like something that should require research, but we believe otherwise. Looking into more than just how much your coverage could cost will benefit you in the long run because you’ll have a better idea of which companies will be there when you need them.

Information like customer satisfaction and customer service ratings, as well as financial stability, can provide insights into whether or not a company will be able to meet your needs. But where do you even find this information? There are several resources, and to help you out, we’ve pulled critical data and summarized it here for your review.

The Better Business Bureau has accredited Say Insurance, amd it has an A+  rating with 4.5 out of five stars for customer satisfaction, which is a positive sign for the company.

We also looked for Say Insurance complaint data from the National Association of Insurance Commissioners (NAIC). While the NAIC doesn’t have complaint data for Say Insurance, it does have complaint data for Shelter Insurance, Say’s parent company, which is also positive.

Shelter Insurance received a 0.58 rating. The NAIC collects complaint data across the insurance industry and calculates the average, represented by the number one. Individual company complaint data is then compared to the average. Since Shelter’s rate is below one, the company has received less than the average number of complaints.

Finally, we looked at A.M. Best data. Say Insurance has not yet been rated by the company, but Shelter Insurance has received a rating of A. An A rating from A.M. Best suggests that the company is financially stable, has a positive outlook for the future, and can pay claims.

What coverage options does Say car insurance offer?

When shopping for car insurance, it’s also important to know what coverage options are available from a particular company. In this case, Say Insurance focuses on standard coverage options, including:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/Underinsured motorist coverage
  • Medical Payment (MedPay) coverage

The coverage mix you choose will be dependent on where you live, what you drive, your age, and more. But it’s always a good idea to have more than the legal minimum in your state.

Does Say car insurance offer any add-ons?

Say Insurance also offers a couple of add-on options to drivers. Roadside assistance is automatically added to all Say Insurance policies. This roadside assistance covers up to $100 per incident for stalled vehicles, flat tires, etc.

Rental car reimbursement insurance is also available as an add-on, though you will have to pay for it. With rental reimbursement, you’ll be able to get coverage for a rental car when your vehicle is in the shop after a covered incident.

Are there any discounts available to support more affordable Say Insurance car insurance for eligible drivers? Read through the next section to find out.

Are there any discounts or other perks available with a Say Insurance car insurance policy?

You may be able to get several discounts from Say Insurance if you qualify, including:

  • Advance purchase – discount for purchasing a policy at least seven days ahead of the date when your policy is scheduled to start
  • Anti-theft – discount on comprehensive coverage for having an approved anti-theft device on your vehicle
  • Continuous insurance – discount for constant coverage (i.e., no break in coverage) before switching to Say
  • Defensive driving course – discount for taking an approved defensive driving course
  • Multi-vehicle – discount for having more than one vehicle on your policy
  • Paperless – discount when you choose to go paperless
  • Pay-in-full – discount when you pay for your policy upfront, rather than paying for it monthly

Say Insurance provides accident forgiveness for any incident that results in a cost of less than $1,000. And you may also be able to save by being a loyal customer. The company’s Say score process can help with this because each time you renew your policy, you’ll get an additional 50 points added. With that 50 point increase, you’ll receive a 4% discount.

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How do you buy and manage a Say Insurance policy?

Buying a policy from Say Insurance is as easy as requesting a quote from the company. If you decide to purchase coverage from Say Insurance, you can manage your policy through the website, app, and over the phone.

When you’re ready to download the Say App, you can do so through the App Store and Google Play store. The app offers the ability to file a claim, pay your bills, update your policy, request roadside assistance, and more.

How do you file a claim with Say Insurance?

Say Insurance offers a simple claims process that should only take you a few minutes to submit. You’ll need to follow a few steps, starting with reaching out to Say Insurance, which you can do either by calling the company or logging in to your My Say account on the app or website.

Once you’ve logged into your My Say account (or called the company), step-by-step instructions for how to file a claim will be provided. After you’ve filed, Say Insurance will assign a claims adjuster to your case. They will review your claim and reach out to you if they need any additional information to complete their assessment.

You can also request an estimate (or estimates) for the cost of repairs and submit it to your claims adjuster. They will let you know what may or may not be covered. Your adjuster will also work with you to complete any approved payments for repairs, medical bills, etc.

If you want to ensure your claim filing is quick and smooth, you should be ready with key pieces of information, including:

  • The names and phone numbers for all individuals involved in the accident
  • Initial information regarding any injuries that occurred
  • When, where, and what time the accident occurred
  • Photos of the scene, including damages, surrounding areas, etc.
  • The police report number (if one is required)

Say Insurance administered a survey to its current customers and the claims filing process received a 90% satisfaction rating.

What are the pros and cons of Say Insurance?

We know even the information we’ve compiled here can feel overwhelming. So, to help you decide whether Say is right for your needs, we’ve summarized by creating a basic pros and cons list.


  • Roadside assistance is added to every policy for free.
  • Say Insurance focuses on online policy purchasing and management, with no in-person options.
  • You can reach out to the company 24/7 with questions, claims, and more through email, chat, and over the phone.


  • Say Insurance is only sold in six states.
  • Say Insurance focuses on online policy purchasing and management, with no in-person options.
  • Say Insurance doesn’t sell policies to drivers that need an SR-22.

Your list may look different than ours based on your needs and preferences. An example of this is that we listed the online-only policy management as both a pro and a con, knowing that it could fall in either category depending on the individual.

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Say Insurance Car Insurance: The Bottom Line

Say Insurance offers affordable coverage and states that drivers could save up to $187 per month by switching. The company has a reputation for strong customer service, and customer reviews from the BBB indicate 4.5 out of five stars. The BBB has also given Say Insurance an A+ accreditation.

Say Insurance is a subsidiary of Shelter Insurance and is currently only available in six states. You can buy basic coverage and a couple of add-ons, and you can conduct all business with the company online or through the Say app.

Whether or not you’re considering Say Insurance, it’s a good idea to comparison shop to save on your rates. The best (and easiest) way to do that is to use your ZIP code in the rate comparison tool on this page to get free car insurance quotes from companies in your area. Get started right now.