Haulers Insurance Review (2022)

For over 30 years, the Haulers Insurance Company has provided auto insurance to residents of a limited number of states. While you can pay for your insurance via the company website, you can't file a claim online. Haulers Insurance has an A rating from A.M. Best and an A+ rating from the Better Business Bureau. If you want to work with a smaller, home-grown company, Haulers Insurance may be the right fit for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 11, 2022

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

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • Haulers Insurance provides coverage to seven states
  • You can pay for your coverage through the company website, but must contact a Haulers Insurance representative directly to get a list of coverage options and a quote
  • You cannot file a claim online with Haulers Insurance

Whether you drive a Buick or a Mazda, you need to keep it protected while out on the road, and Haulers Insurance can get you the coverage you need if you live in one of its covered states. The Haulers Insurance Company sells its insurance products through independent agents and has been in business for over 30 years. If you need car insurance, keep reading to learn more about this company and how you can reduce your insurance rates.

As you read about Haulers Insurance, you can enter your ZIP code to start receiving free insurance quotes right away.

Who is Haulers Insurance?

Founded in 1986, the Haulers Insurance Company has its roots in Tennessee.  The Shelter Insurance Group acquired the company in 2008, and now you can purchase a policy through Haulers Insurance in these states:

  • Alabama
  • Georgia
  • Indiana
  • Missouri
  • South Carolina
  • Tennesse
  • Virginia

While not much information is shared via the company website, you will be able to make your Haulers Insurance payment online as long as you have your policy number available. If you need to file a claim, you must call the claims department at 1-866-665-1003.

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Is Haulers Insurance highly rated?

An insurance company needs to have the capital to reimburse you if you ever need to file a claim, and with an A rating from A. M. Best, Haulers Insurance can boast of being a financially strong company.

In addition, the Haulers Insurance Company is also a Better Business Bureau accredited business and has an A+ rating from the BBB. This rating is a great sign that you’ll be treated to excellent customer service whenever you interact with a Haulers Insurance representative.

What coverages does Haulers Insurance provide drivers?

Unfortunately, Haulers Insurance doesn’t provide a breakdown of coverages or even an online quote on its website so you must contact the company directly to get a list of coverage options.

While you’ll need to contact the company or an independent agent who sells Haulers Insurance, it’s safe to assume that this company can, at the very least, provide you with liability-only or full coverage auto insurance.

Does Haulers Insurance offer competitive rates?

Since Haulers Insurance doesn’t share sample rates with the public, you’ll need to reach out to a Haulers Insurance representative to get a quote so you can compare it to other insurance companies. But as you shop for insurance, you can use this data table to get an idea of the average auto insurance rate for your state.

Annual Average Auto Insurance Rates by State and Company
StatesAverage Annual Rates by StateAnnual Average Allstate RatesAnnual Average American Family RatesAnnual Average Farmers RatesAnnual Average Geico RatesAnnual Average Liberty Mutual RatesAnnual Average Nationwide RatesAnnual Average Progressive RatesAnnual Average State Farm RatesAnnual Average Travelers RatesAnnual Average USAA Rates
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
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When shopping online for insurance, be sure to request quotes from multiple companies. This simple step will help you discover a policy that not only has the coverage you need but also rates that work with your budget.

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How can drivers reduce their auto insurance rates?

Haulers Insurance only offers personal and commercial auto insurance products, which means that you won’t be able to take advantage of any bundling discounts like renters and auto. However, if you’re looking for an insurance company that can help you save money by bundling your home and auto insurance, you can review this chart to examine which discounts are offered by some major insurance companies:

Auto Insurance Discounts Available by Company
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGEICOLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNoNoNoNoYesYesYes
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYesNoYesNoYesNoYesNoYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYesYesYesYesYesNoYesNoYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNoNoYesNoNoYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNoYesYesYesYesNoNoNoYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
NewlywedsNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
OccupationNoNoYesNoNoNoYesYesYesYesYesYesYesNoNoYesNoNoYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
RenterNoNoNoNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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Taking the time to review your policy at least once a policy period is a great way to verify that you’re not missing out on any discounts and that your policy is up-to-date. If, for example, you reviewed your policy and noticed that your child was listed as a driver despite having moved out, updating your policy to reflect the actual drivers still present in your household could change your rates.

What You Need to Know About Haulers Insurance

Haulers Insurance is available in seven states and doesn’t provide any other type of insurance besides auto insurance. You’ll need to get a quote to discover the exact coverages and rates this company offers, but you won’t be able to do so online. Instead, you’ll need to contact a Haulers Insurance representative directly to get a quote.

If you live outside of the Haulers Insurance Company’s coverage area, you should shop online to find the best policy for you.

You can shop for auto insurance with confidence now that you’ve concluded this Haulers Insurance review. Enter your ZIP code to start comparing free quotes from insurance companies near you today.

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