Auto-Owners Auto Insurance Review (2024)
Auto-Owners auto insurance rates are below average at $87/mo, and coverage is available in 26 states. Auto-Owners auto insurance reviews give the company superior financial and customer service ratings, and many policyholders enjoy affordable Auto-Owners auto insurance for classic cars and modified vehicles.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Apr 28, 2024
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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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
UPDATED: Apr 28, 2024
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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
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Auto-Owners Insurance
Average monthly rate for good drivers:
$87A.M. Best rating:
A+ (Superior)Complaint level:
LowPros
- Below-average rates in most states
- Favorable customer reviews
- Superior financial ratings
- Additional coverages, such as roadside assistance
- Numerous insurance products and discounts
- Uncommon coverages, such as modified vehicle coverage
Cons
- Only available in 26 states
- Must use a local agent for most needs
- Limited app and online services
- Some negative claims and customer service reviews
Final Verdict: Review of Auto-Owners Insurance
Auto-Owners Review: The Bottom Line
Auto-Owners provides car insurance in 26 states, while Auto-Owners insurance premiums are typically lower than average. The company also offers multiple insurance products so drivers can bundle multiple policies.
Auto-Owners is a one-stop shop for drivers needing auto and other coverages, such as home and boat insurance. However, the company wants drivers to ask for an auto insurance quote and manage their policies with a local agent. Learn how to ask an auto insurance company for quotes or get free quotes with our comparison tool below.
Auto-Owners is a good fit for drivers who prefer to deal with one agent, but it isn’t suitable for drivers looking for streamlined online features.
What You Should Know About Auto-Owners Insurance Group
Auto-Owners Insurance Company has affordable auto insurance rates for drivers in 26 states. The company also offers drivers multiple insurance options and numerous auto insurance discounts. As a result, many drivers may find the company meets all their insurance needs.
However, Auto-Owners requires you to use a local agent for most needs. While you can pay your bill online or through the app, your agent must give you quotes and help with any insurance needs, like a policy change or filing a claim.
Our Auto-Owners insurance review finds that the insurer is a good fit for drivers who like face-to-face service and need multiple insurance products, such as auto and homeowners coverage. However, the company isn’t a good fit for drivers who want to do everything online.
Where to Get Affordable Auto-Owners Auto Insurance
Auto-Owners is only available in 26 states, and rates vary by driver and state. Here is a list of the states where Auto-Owners insurance is available:
While rates are typically below average, some states like Colorado see higher than average Auto-Owners rates.
Auto-Owners Car Insurance Review and Ratings
While insurance rates are vital, so are ratings. It’s important to know your insurer is there when you need it. Fortunately, Auto-Owners insurance ratings are excellent and rates are low.
A.M. Best rates insurance companies on financial stability. Auto-Owners insurance rating with A.M. Best is an A+, showing a superior ability to meet financial obligations.
A loss ratio also shows how an insurance company is doing financially — it shows that a company takes in more money than it pays out. The Auto-Owners loss ratio is just over 60%, which is average and means the company isn’t in financial danger.
The Better Business Bureau rates companies on how well they interact with customers. Auto-Owners insurance company rating with the BBB is an A+. However, Auto-Owners customer satisfaction ratings are below average. Auto-Owners insurance reviews from J.D. Power suggest that the company has earned a 4.2/5 rating.
Auto-Owners Insurance Group Insurance Coverage Options
Auto-Owners Auto Insurance Coverage Options
Auto-Owners policies offer all the typical car insurance coverages. Car insurance coverages offered by Auto-Owners include:
- Liability. Liability auto insurance pays for bodily injuries and property damage to others.
- Collision. Collision auto insurance covers damages to your vehicle from an accident.
- Comprehensive. Comprehensive auto insurance pays for damages to your car unrelated to an accident, like fire, theft, and acts of nature.
- Uninsured/underinsured motorist. Uninsured Motorist Coverage (UIM) Auto Insurance pays for damages if the at-fault driver has little or no insurance.
- Medical payments. Medical payments coverage pays for medical costs, such as doctor bills and prescriptions, after an accident.
- Personal injury protection. Personal injury protection insurance pays for related expenses after an accident, such as lost wages and child care.
While your state typically only requires liability coverage, you can gain more protection for yourself, your passengers, and your vehicle by adding some of the above coverages.
Auto-Owners Auto Insurance Specialty Coverage
In addition to traditional car insurance, Auto-Owners offers other coverages and features drivers may add to their policy.
Additional coverages include:
- Roadside assistance. With one of the best roadside assistance plans, you can get a jump-start, fuel delivery, locksmith services, or towing.
- Glass and windshield repair. Full glass coverage is one option. Glass and windshield repair pays for repairs or replacement if the glass in your vehicle gets damaged.
- Gap coverage. Gap insurance pays the difference between what you owe on your vehicle and its worth.
- Additional expense. This coverage pays for a rental car, lodging, and fuel if your vehicle gets damaged on a trip. Rental car reimbursement pays for you to have a rental car while your car is being repaired.
- Diminished value. Diminished value pays the difference between what your car was worth before and after an accident.
- Personal automobile plus. This package contains ten coverages, including identity theft protection and rekeying locks.
- Accident forgiveness. Accident forgiveness won’t raise your rates for your first at-fault accident. See the best accident forgiveness auto insurance companies in our article.
- Classic car coverage. Classic car auto insurance coverage takes care of repairs and replacement of classic cars with different needs.
- Modified vehicle coverage. Modified vehicle coverage insures modifications such as a wheelchair ramp. Find out more about auto insurance companies that insure modified cars in our article.
Auto-Owners also provides TrueRide, a usage-based auto insurance program that monitors safe driving habits, such as phone usage, and offers a discount based on your driving. Fortunately, your rates won’t increase if you drive poorly.
Other Types of Insurance from Auto-Owners
Despite the name, Auto-Owners offers more than just auto insurance, including other insurance and financial products.
Insurance products offered by Auto-Owners included:
- Homeowners
- Renters
- Condo
- Life
- Pet
- Motorcycle
- Boat
- RV
- Business
Auto-Owners homeowners insurance offers robust coverage for your home. It also covers injuries to anyone on your property, personal possessions, and lodging if policyholders need to stay elsewhere.
Auto-Owners life insurance products include whole, universal, and term life insurance. Policyholders also get discounts for bundling life, home, and auto policies.
In addition, Auto-Owners offers financial products, including annuities and disability income. Drivers looking for multiple policies and financial products may find everything they’re looking for with Auto-Owners.
Auto-Owners Auto Insurance App Review
Through the Auto-Owners insurance app, drivers can access insurance information, make a payment, and request roadside assistance. However, while drivers can check their Auto-Owners insurance claim status with the app, they can’t file a claim.
The Auto-Owners app isn’t as robust as other insurance company apps, which generally allow drivers to file claims and change coverages. The Auto-Owners app received a 3.2/5 rating in the Google Play Store and a 3/5 rating in the Apple App Store.
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Auto-Owners Insurance Group Insurance Rates Breakdown
Compare Auto-Owners Car Insurance Quotes
Many factors, like age, driving record, and location, affect your auto insurance rates. Every company weighs your factors differently and offers different rates. Coverage amount also affects your rates. While most states only require liability auto insurance, it doesn’t provide any protection for your vehicle. However, liability-only rates are the lowest.
Remember, your location plays a part in car insurance rates. Every state creates its own rules and regulations that may cause your rates to be higher than average.Benjamin Carr Former Insurance Agent
Fortunately, Auto-Owners insurance rates are lower than average but vary by driver. This table shows average auto insurance rates based on coverage type from the top insurance companies.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
While full coverage is more expensive, it typically includes liability, collision, comprehensive, and other mandatory coverages. In addition, full coverage requires the lowest out-of-pocket expenses if your vehicle gets in an accident.
How Age and Gender Impact Auto-Owner Auto Insurance Rates
It’s no secret that young drivers pay much higher auto insurance rates since they lack experience behind the wheel. However, you might not know that married drivers generally have much lower rates since they tend to be less risky to cover.
On the other hand, male drivers statistically are more risky drivers and tend to be in more accidents. Men pay more for auto insurance than women. Young male drivers can expect the highest rates of all.
Check out this table below to see how age and gender affect Auto-Owners car insurance rates for people 45 years old and younger.
Auto-Owners Average Annual Full Coverage Auto Insurance Rates by Age & Gender| Age and Gender | Auto-Owners Rates | Allstate Rates | State Farm Rates | U.S. Average Rates |
|---|---|---|---|---|
| 16-year-old male with a clean record | $5,367.53 | $3,120.93 | $1,748.58 | $3,019.38 |
| 16-year-old female with a clean record | $5,127.54 | $2,844.97 | $1,488.30 | $2,639.66 |
| 18-year-old male with a clean record | $4,364.26 | $2,675.08 | $1,498.78 | $2,588.04 |
| 18-year-old female with a clean record | $3,780.47 | $2,314.55 | $1,210.82 | $2,147.52 |
| 25-year-old male with a clean record | $1,331.17 | $861.70 | $508.20 | $679.49 |
| 25-year-old female with a clean record | $1,258.56 | $824.11 | $463.35 | $628.87 |
| 30-year-old male with a clean record | $1,237.99 | $801.38 | $472.63 | $631.93 |
| 30-year-old female with a clean record | $1,170.46 | $766.42 | $430.92 | $584.84 |
| 45-year-old male with a clean record | $1,045.98 | $732.77 | $397.66 | $545.38 |
| 45-year-old female with a clean record | $1,071.15 | $742.21 | $397.66 | $546.47 |
Now compare those rates to those of drivers 55 and older in the following table.
Auto-Owners Average Annual Full Coverage Senior Driver Auto Insurance Rates by Age| Age and Gender | Auto-Owners Rates | Allstate Rates | State Farm Rates | U.S. Average Rates |
|---|---|---|---|---|
| 55-year-old male with a clean record | $992.06 | $691.43 | $375.23 | $514.62 |
| 55-year-old female with a clean record | $1,015.93 | $700.34 | $375.23 | $515.64 |
| 60-year-old male with a clean record | $969.30 | $725.43 | $361.49 | $515.18 |
| 60-year-old female with a clean record | $947.52 | $706.18 | $361.49 | $497.33 |
| 65-year-old male with a clean record | $1,023.82 | $721.32 | $391.45 | $536.86 |
| 65-year-old female with a clean record | $1,048.45 | $730.61 | $391.45 | $537.93 |
Even though Auto-Owners rates are low, young drivers still pay almost double what older, more experienced drivers pay. Auto insurance for a 16-year-old is more expensive than for a young or older adult.
How Driving Records Impact Auto-Owners Auto Insurance Rates
Your driving record is one of the most significant factors determining your auto insurance rates. It lets your auto insurance company predict if you’re a risk to insure and likely to cost it money.
Drivers with tickets, accidents, and DUIs spend significantly more on auto insurance than drivers with clean driving records. Insurance companies check driving records which can affect the cost of your Auto-Owners car insurance.
For comparison, look at this table showing average Auto-Owners rates based on driving history with a speeding ticket.
Fiat Auto Insurance Average Rates by Model and Coverage Type
| Age and Gender | Auto-Owners Rates | Allstate Rates | State Farm Rates | U.S. Average Rates |
|---|---|---|---|---|
| 45-Year-Old Male With a Clean Record | $1,046 | $733 | $398 | $545 |
| 45-Year-Old Female With a Clean Record | $1,071 | $742 | $398 | $546 |
| 45-Year-Old Male With a Ticket | $1,263 | $865 | $449 | $670 |
| 45-Year-Old Female With a Ticket | $1,293 | $876 | $449 | $671 |
In addition, here are the rates for drivers with an accident on their record at Auto-Owners.
Auto-Owners Average Annual Full Coverage Auto Insurance Rates With an Accident| Age and Gender | Auto-Owners Rates | Allstate Rates | State Farm Rates | U.S. Average Rates |
|---|---|---|---|---|
| 45-year-old male with a clean record | $1,045.98 | $732.77 | $397.66 | $545.38 |
| 45-year-old female with a clean record | $1,071.15 | $742.21 | $397.66 | $546.47 |
| 45-year-old male with an accident | $1,529.37 | $1,039.56 | $476.55 | $789.71 |
| 45-year-old female with an accident | $1,566.41 | $1,053.31 | $476.55 | $792.56 |
Finding auto insurance with a DUI on your record can be more difficult. And for Auto-Owners drivers with a DUI, take a look at the table below to get a better idea of how much your rates will increase.
Auto-Owners Average Annual Full Coverage Auto Insurance Rates With a DUI| Age and Gender | Auto-Owners Rates | Allstate Rates | State Farm Rates | U.S. Average Rates |
|---|---|---|---|---|
| 45-year-old male with a clean record | $1,045.98 | $732.77 | $397.66 | $545.38 |
| 45-year-old female with a clean record | $1,071.15 | $742.21 | $397.66 | $546.47 |
| 45-year-old male with a DUI | $1,555.07 | $1,274.44 | $544.28 | $967.06 |
| 45-year-old female with a DUI | $1,586.28 | $1,287.96 | $544.28 | $969.37 |
Although Auto-Owners rates don’t increase drastically after an accident or ticket, multiple infractions will significantly raise your rates. Additionally, you may be required to buy high-risk auto insurance at more expensive rates if you’re very risky to insure.
Auto-Owners Insurance Group Discounts Available
Auto-Owners Auto Insurance Discounts
Auto insurance discounts are a great way to lower rates, and Auto-Owners offers multiple discounts based on the driver, policy, and vehicle. For example, drivers may qualify for safe driver, paid in full, and anti-theft device discounts.
There are also discounts for good students, away student discounts, and other savings if the young driver uses telematics to monitor driving. However, Auto-Owners auto insurance rates for young drivers aren’t costly, as discounts lower rates significantly.
Since Auto-Owners offers so many insurance products, drivers can bundle multiple policies for the most savings on top of car insurance discounts.
Frequently Asked Questions
Which states offer Auto-Owners insurance?
You’ll be able to get a car insurance policy from Auto-Owners Insurance if you live in one of these states — Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, and Virginia
Is Auto-Owners auto insurance expensive?
Auto-Owners auto insurance rates are very affordable at $87 a month for safe drivers, which is considerably less than the national average.
Is Auto-Owners insurance good?
Auto-Owners insurance customer service ratings are excellent. In addition, the company has fewer than average complaints and many drivers like dealing with a local agent in person.
How can I contact Auto-Owners auto insurance?
To contact Auto-Owners Insurance Group, you can reach out to its customer service department by calling 1-800-288-8740.
Where is Auto-Owners headquarters?
The headquarters of the Auto-Owners Insurance Group are in Lansing, Michigan.
Is Auto-Owners good at paying auto insurance claims?
Auto-Owners scored below the industry average for claims satisfaction.
How can I file an auto insurance claim with Auto-Owners?
To file a claim with Auto-Owners Auto Insurance, you can contact their claims department directly. They will guide you through the claims process, provide the necessary forms, and assist you in gathering any required information. It’s important to report accidents or incidents promptly to initiate the claims process.
Can I manage my Auto-Owners auto insurance policy online?
Yes, Auto-Owners Auto Insurance typically provides an online portal or mobile app that allows policyholders to manage their policies. This may include tasks such as making payments, viewing policy documents, updating personal information, and accessing digital ID cards.
Who owns Auto-Owners Insurance Group?
Auto-Owners is a mutual insurance company and is therefore owned by its policyholders and not corporate shareholders.
Who is the CEO of Auto-Owners Insurance Group?
Jeffrey Tagsold is the CEO and President of Auto-Owners.
How to file Auto-Owners insurance claims?
You can file a claim by calling Auto-Owners insurance claims phone number. Auto-Owners insurance has a 24-hour number for claims service.
Does Auto-Owners have a telematics program?
Auto-Owners offers a telematics program called TrueRide that monitors driving behavior through a smartphone app.
What do Auto-Owners home insurance reviews say?
Customers appreciate the extensive coverage offered by Auto-Owners home insurance policies. However, Auto-Owners customer service reviews are mixed.
What do Auto-Owners insurance reviews in Consumer Reports suggest?
Auto-Owners generally receives positive feedback in Consumer Reports reviews, with the company standing out for its financial strength, comprehensive coverage options, and competitive pricing.
Who is the CEO of Auto-Owners insurance?
Jeff S. Tagsold is the current Chairman and CEO of Auto-Owners Insurance.
What’s Auto-Owners insurance phone number?
You can call Auto-Owners Insurance at: is 1-800-346-0346.
How to get an Auto-Owners insurance quote?
To get an Auto-Owners quote, you will need to contact one of their local agents directly because the company does not offer online quoting.
Does Auto-Owners insurance cover windshield replacement?
Auto-Owners can cover windshield replacement if you have comprehensive coverage as part of your auto insurance policy.
Does Auto-Owners insurance offer roadside assistance?
Auto-Owners roadside assistance is part of the company’s auto insurance policies.
Does Auto-Owners insurance offer towing services?
Yes, Auto-Owners Insurance offers towing services as part of its roadside assistance coverage.
How to access the website of Auto-Owners website?
To visit the Auto-Owners Insurance’s website, click on the login link at autoownersinsurance.com.
Does Auto-Owners insurance cover rental cars?
If you have an Auto-Owners auto insurance policy that includes comprehensive and collision coverage, it generally extends to rental cars as well.
Is Auto-Owners insurance available in Texas?
Auto-Owners Insurance does not provide coverage in Texas.
Is Auto-Owners insurance available in Colorado?
Auto-Owners does offer services in Colorado.
Is Auto-Owners insurance available in Utah?
Yes, Auto-Owners Insurance is available in Utah.
Is Auto-Owners insurance available in Florida?
Auto-Owners offers a range of insurance products, including auto, home, life, and business insurance, to residents of Florida.
Is Auto-Owners insurance available in Georgia?
Yes, you can find Auto-Owners insurance coverage in Georgia by connecting with a local independent agent.
What is the A.M. Best rating for Auto-Owners?
Auto-Owners Insurance holds an A++ rating from A.M. Best.
Is Auto-Owners a stock company?
Auto-Owners Insurance is not a publicly traded stock company; it is a mutual insurance company.
Where is Auto-Owners insurance address?
The headquarters of Auto-Owners Insurance is located at:
Auto-Owners Insurance Group
6101 Anacapri Blvd.
Lansing, MI 48917
USA
How to pay your Auto-Owners insurance bill?
You can set up automatic payments from your bank account or credit card. Auto-Owners insurance payment can also be made online through the Auto-Owners Customer Center.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
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.
helthscreen
Poor service
Vic_the_man
Good Enough
ellenamcd2
Well done Auto Owners Insurance
josechepe2001
Great policies and great road assistance
jessman1128
We love Auto Owners Insurance!
64061
Try auto owners.
VSchmitt
Good company from longtime customer
pallam
Great policy for all our family needs
Tricia987654
Easy to love
db404
Agent mistakenly did not put comp on my oldest vehicle.