Why We're Cheaper Than Every Major Insurer (And What They Don't Want You to Know)

I started ShieldPoint because I was tired of watching people overpay for insurance year after year. Not because they had to — but because the big carriers had engineered a system designed to keep you confused, loyal, and overcharged.

Today I want to pull back the curtain and show you exactly what you're paying for with traditional insurers — and why ShieldPoint is different.

The Numbers Don't Lie

Let's talk real dollars. State Farm charges $1,847/year for the same coverage we offer at $1,102. That's $745 back in your pocket every single year. Allstate averages $2,100 for comparable auto policies in our primary markets. We're 40% cheaper than the industry average — not because we cut corners on coverage, but because we cut corners on bureaucracy.

The legacy carriers are carrying the weight of thousands of local agent offices, glossy TV ad budgets running into the hundreds of millions, and executive compensation packages that would make your head spin. You're funding all of that every time you pay your premium.

How We Do It

ShieldPoint operates entirely on a modern technology stack. No agent commissions. No paper processing. No bloated middle management. Our AI-powered underwriting runs in seconds, not days. Our claims platform resolves most straightforward claims without a single human touchpoint — which means lower overhead, and lower premiums for you.

When State Farm processes your claim, it touches an average of 7 employees. When ShieldPoint processes your claim, our system handles it end-to-end. We pass those savings directly to policyholders.

Stop Overpaying. Switch Today.

The average American overpays for insurance by $800 to $1,200 per year. With ShieldPoint, that stops today.