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By Renata Balasco

Updated December 31, 2021

Say Insurance at a glance

Pros	Cons
Shares insurance scores with policyholders, encouraging a greater understanding of rate calculation. Operates online and over the phone, so customers on the go will appreciate the ease. Best for first-time insurance applicants who need guidance and are looking for basic coverage.	Only offers basic coverage options. Since the company is online-only, customers who prefer brick-and-mortar establishments might not love this model. Only available in six states so far. Say Insurance does not insure anyone with an SR-22 or learners permit. Say customers need valid driver’s licenses.

Table of contents:

Say Insurance auto insurance review
Where is Say Insurance available?
Say Insurance car insurance coverage options
Say Insurance discounts
Is Say Insurance right for you?

Say Insurance auto insurance review

3 Rating from The Zebra

Founded in 2016, Say Insurance is a relatively new carrier, offering the standard suite of coverages and discount opportunities. Say Insurance stands out from other carriers by offering policyholders valuable information on their insurance profiles in the form of an insurance score. An insurance score is a number insurance companies use to determine the risk they might take by accepting you as a policyholder. Based on your driving history, vehicle type, location, credit score and claims history, insurance scores explain why your premium is a certain amount. Insurance carriers do not typically provide this information to policyholders; Say Insurance helps customers understand their score and gives guidance on ways to improve it and lower their rate.

Read on to see The Zebra's review of Say Insurance, including information on coverage options, discounts and more.

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Claims satisfaction (J.D. Power) — Not rated
Customer satisfaction (J.D. Power) — Not rated
Financial Strength — Excellent: AM Best gave Say Insurance an A for its financial strength, underlining the company's stable finances.
NAIC rating — Good: The number of customer complaints regarding the company is lower than average, according to the National Association of Insurance Commissioners.

*This information pertains to Say Insurance's parent company, Shelter Insurance.

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Where Say Insurance is available

Insurance company	Available states
Say Insurance	CO, IL, IN, KS, MO, TN

Say Insurance car insurance coverage options

Say Insurance offers a basic package of coverage options to policyholders, including collision, comprehensive, liability, medical payments, and uninsured/underinsured coverage.

Say Insurance also offers:

Roadside assistance

Say Insurance offers roadside assistance as a part of all policies. Customers can call for assistance 24 hours a day for a variety of services. Whether a driver is in need of a tow, has a dead battery, a flat tire, or is locked out of their car, Say Insurance will provide roadside assistance, up to $100 per incident.

Rental reimbursement

Say Insurance customers can add rental reimbursement coverage if they carry full coverage. Drivers may choose between three tiers of coverage options depending on their vehicle needs.

New car replacement coverage

This option is included in all policies with collision or comprehensive coverage. If a brand new car is totaled in an accident, Say will cover the amount needed to purchase a new, similarly equipped vehicle to those drivers who qualify (minus the deductible).

How to make policy changes with Say Insurance

Making changes to your Say Insurance coverage can be done online or over the phone with a customer service representative. If you want to cancel your policy, you must do so by calling in. Say Insurance does not provide a way for customers to cancel online.

Say is planning on releasing a mobile app and offering a telematics coverage option in 2022.

Say insurance auto insurance discounts

Say Insurance offers an array of common discounts found at many insurance providers.

Based on driver or vehicle:

Anti-theft: Vehicles equipped with anti-theft devices may qualify for this discount.
Defensive driving: Customers who have taken a defensive driving course can earn lower premiums with this discount.
Multiple vehicles: Insuring more than one vehicle with Say earns drivers a multi-vehicle discount.

Based on the policy:

Advanced purchase: If the policy’s start date is at least seven days out from the purchase day.
Continuous insurance: Applicants without gaps in their insurance history can lower their rates.
Paperless: Going green means savings at Say Insurance.
Pay-in-full: Drivers get this discount by paying in one lump sum for the entire policy period.
Accident forgiveness: Say Insurance doesn't raise premiums for accidents resulting in damages of less than $1,000.

Auto insurance is Say's sole insurance product. Policyholders with other insurance needs must seek coverage elsewhere.

Is Say Insurance right for you?

Say's primary limiting factor is its geographic availability, as the company only sells insurance policies in six states.

Those drivers in a state serviced by Say may benefit from the company's transparent rating process, which sets the company apart and may win over customers new to solo insurance policies. Say Insurance is in the process of catering to this younger, more tech-savvy audience through its soon-to-be-released mobile app and telematics program.

For first-time insureds with very basic coverage needs, Say Insurance will check many of your boxes. More established insurance customers may find equal or better protection and a larger array of products with another company.

For more information, please visit www.sayinsurance.com.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.

Say Insurance Review