Side-by-Side Comparison
| Metric | Shelter Insurance | State Farm |
|---|---|---|
| AM Best Rating | ✓ Better | |
| Complaint Index | 0.68 Below average | N/A |
| Market Rank | N/A | #1 |
| Headquarters | Columbia, MO | Bloomington, IL |
| Years in Business | 80 years | 104 years |
Our Analysis
Choosing between Shelter Insurance and State Farm depends on your priorities—whether that's price, customer service, coverage options, or financial stability. Both are established insurers with millions of customers, but they differ in important ways.
Key Differences: - State Farm has a stronger financial rating (A++) - State Farm has 24 more years of experience (founded 1922)
Important: Neither carrier is universally "better" or "cheaper." A 25-year-old driver in California will see very different quotes from these two carriers than a 50-year-old driver in Ohio. Insurance pricing is highly individualized based on your driving record, vehicle, location, and coverage needs.
The best approach is to get personalized quotes from both carriers and compare your actual rates—not industry averages.
Shelter Insurance and State Farm are both established carriers. State Farm has a higher AM Best rating of A++ compared to A+.
The bottom line: Your best choice depends on your location, driving profile, and specific needs. We recommend getting quotes from both carriers to compare actual rates for your situation.
Data Sources & Methodology
The information on this page is compiled from authoritative sources:
- •NAIC↗ — National Association of Insurance Commissioners complaint data
- •AM Best↗ — Financial strength ratings
Insurance quotes and actual premiums will vary based on individual factors. This content is for informational purposes only.