Haulers Insurance Company Auto Insurance Review: Should you buy in 2025?

When looking for car insurance, many Americans automatically go for the big names — Geico, Allstate, or State Farm, for example. However, a big name doesn’t necessarily mean it’s the best option for you.

The Haulers Insurance Company is a smaller company centered in Tennessee that currently provides car insurance coverage in seven states. Although this company has worked hard to expand its market, it still does business the traditional way — through independent agents.

While Haulers Insurance might be the best choice for you, it’s important to compare prices with as many companies as possible to save money. Read on to learn about your options with Haulers, then find the best rates for you.

What is Haulers Insurance?

Founded in 1986, Haulers provides car insurance with a local touch. You might find affordable rates with Haulers, but only if you live in one of the seven states it serves — Tennessee, Alabama, Georgia, Indiana, Missouri, South Carolina, and Virginia.

Headquartered in Tennessee, the Shelter Insurance Group took over Haulers in 2008. The Shelter Insurance Group offers reputable coverage and touts good customer service ratings.

Unfortunately, there’s not a lot of information online about what insurance policies Haulers offers. You can access the Haulers Insurance bill pay online, but you’ll need to speak with an agent for quotes or to file claims.

Haulers Car Insurance Plans

Haulers doesn’t list what it sells on its website, and information about this local provider is scarce. However, all states Haulers operates in require a minimum amount of insurance, so it’ll at least meet those requirements.

To understand the minimum insurance requirements in your state, check out the table below.

Additionally, people who don’t own their car outright generally must have full coverage. Haulers isn’t a specialty insurance company, so you can expect it’ll sell the standard options you’d find at most other companies:

• Liability. Liability insurance helps pay for damage you cause to property and people in an at-fault accident. It doesn’t help repair your vehicle.
• Collision. Collision insurance helps repair your car after an accident, even if you’re at fault. It also helps pay for repairs if you collide with stationary objects.
• Comprehensive. Comprehensive coverage helps repair your car after damage from events outside of accidents, like vandalism, theft, fire, weather, or animal contact.
• Uninsured/underinsured motorist. State law requires drivers to carry insurance, but not everyone does. Uninsured/underinsured motorist coverage helps pay for repairs and medical expenses if a driver with inadequate or no insurance hits you.
• Medical payments. Bills rack up quickly after an accident, and medical payments help pay for those expenses.

You’ll need to speak with an insurance representative to find out more. As with most local providers, not all products are available in every state.

Does Haulers offer additional coverage options?

Unfortunately, Haulers hasn’t published any information about what it sells or what discounts might be available.

Most companies offer at least a small selection of products to increase the value of your insurance. It’s a safe bet that Haulers has something beyond standard insurance options, but only an independent Haulers agent can give more information.

How much does Haulers auto insurance cost?

Haulers isn’t forthcoming about its insurance rates, and you can’t get a quote online. To see exactly how much Haulers will cost, you’ll need to contact a Haulers representative by phone.

However, you can get an idea of how much insurance with Haulers might cost you by looking at the average price for insurance in the states it operates in.

Many of Haulers’ reviews say that the company offers rates much lower than the local average, so you might be able to find an affordable price here.

Haulers Auto Insurance Reviews

Haulers promises service second to none, but a catchy slogan on a website can only take you so far. The best way to determine if Haulers is right for you is by looking at reviews.

Haulers has an impressive A+ from the Better Business Bureau (BBB). It also earned an A for its financial strength from A.M. Best, meaning this company will have no problem paying out your claims.

Most of the positive reviews for Haulers state that this company offers excellent rates. Many customers went through an insurance broker to find Haulers because it can be hard to find on your own. A common story is that when a broker told them how much they would pay, customers couldn’t believe it.

As a small company, there are limited online reviews and many of the existing few talk about positive experiences with customer service agents.

However, a telling sign about these positive reviews is that many say they’ve never had to use their insurance to file a claim. The reviews tend to be more negative for people who made a claim.

A common complaint is about the claims process. In today’s modern world, being unable to file a claim online can be inconvenient. People generally dislike how out-of-date Haulers is in most areas. You can make Haulers insurance payments online, but it isn’t enough to impress people.

Many customers say the claims process is painfully slow and sometimes inaccurate. Several people claim that Haulers didn’t pay what it originally agreed, particularly those filing against drivers insured by Haulers.

Another common complaint is that, while it offers great rates, the service lacks benefits and coverage options.

There are other, less common complaints as well. One customer pointed out that Haulers accepted a payment from her before determining that she was ineligible for a policy with the company. When she filed a complaint, the company said it was part of their policy to accept customer payments before checking if they’re eligible for coverage.

Find the Best Auto Insurance for Your Needs

If you live in one of the seven states Haulers operates in and are looking for a local touch for your insurance, Haulers might be right for you. However, exercise caution because the company carries many negative customer reviews.

On the other hand, you might find an affordable price for your insurance. There’s no harm in requesting a quote from a Haulers agent, but compare it with other companies to ensure you get the best product possible.