Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 20, 2020

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Company Details
Address: 6101 Anacapri Blvd.
City: Lansing
State: MI
ZIP Code: 48917
Phone Number: (517) 323-1200
Website: http://www.auto-owners.com/
Year Founded: 1916
AM Best Rating: A++
Company Rating 1.31 (26 reviews)

Things to Remember...

  • Auto Owners offers insurance policies through independent agents
  • Auto Owners strives to quickly and efficiently pay any customer claims
  • Auto Owners has good financial ratings as well customer service reviews

If you haven’t heard of Auto Owners Insurance, then this Auto Owners Insurance auto insurance review will give you a general idea of whether or not this is a company that you may want to consider for your coverage.

Auto Owners Insurance was founded in 1916 in Mt. Pleasant, Michigan. In 1917 the company had a whopping $174.25 in assets. The owner decided it would be best to move the company and relocated to Lansing, Michigan.

The move seemed to have done the trick because, by 1953, Auto Owners Insurance had sold $2.5 million worth of policies.

They have won the following distinctions:

  • For three years in a row, JD Power and Associates awarded Auto Owners the “Highest in Customer Satisfaction with the Auto Insurance Claims Experience,” from 2008-2010
  • They received a Top 50 ranking among insurance companies from Ward Financial Group for outstanding financial results
  • They are also a Fortune 500 company

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Auto Owner Insurance Agents

You can purchase insurance policies in 26 states only through independent agents.

According to Auto Owners Insurance, there are several advantages to using an independent agency such as you can work with a local business, they have more products to offer and they are there when you need them.

Of course, another advantage to an independent agent is that they can let you know if Auto Owners Insurance truly has the best products for you or if you would be better off choosing a different auto insurance company.

Auto Owners Insurance company doesn’t require independent agents to pass any special testing to sell their products. This lack of testing generally means that the agent uses their own time to learn what they need to know about the company in general.

To find an agent in your area, you will need to use the find an agency feature. You will be led to a map that shows you the 26 states in which their insurance is available, and a zip code box. Enter your zip code and you will be shown available agents in your area.

There are thousands of agencies around the country that are licensed to sell Auto Owners Insurance products and nearly 40,000 agents.

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How do I file a claim with Auto Owners Insurance?

In surveys conducted by JD Power and Associates, Auto Owners Insurance consistently ranked in the top three spots year after year for their quick claims service in every category.

Only State Farm and USAA beat them out in 2010 for this achievement.

In fact, even independent agents compliment Auto Owners for their fast and accurate auto insurance claim paying.

Auto Owners doesn’t fight with policyholders over the cost of repairs or other issues. They pay what needs to be paid and move on.

Of course, they don’t have a perfect record. They were sued in 2008 by a customer who carried homeowner’s insurance and the company wouldn’t cover the losses in the fire.

However, overall, their reputation is excellent.

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Auto Owners Insurance Customer Service

Again, Auto Owners Insurance is an award-winning company because of their excellent customer service. In fact, part of the company motto is that it has a no problem claims and customer service.

Even former employees of the company compliment Auto Owners on how well they treat their customers.

One area where Auto Owners Insurance fails is in terms of customer service. For those of you who like to pay your bills and manage your policy online, you won’t have this option; instead, you will have to speak directly to you agent.

In this day and age, it is nearly unheard of that you can’t at least pay your bill online, but that is something that Auto Owners doesn’t offer. For many people, this inability to pay online could be a deal-breaker in terms of whether or not to choose the company.

Of course, Auto Owner depends on their excellent live customer service to keep their customers coming back.

Auto Owners Insurance Reviews

There are a variety of different reviews online regarding Auto Owners, some good, some bad. When a company grows to a certain size, you are sure to find more negative comments than positive ones.

Auto Owners does have a lot of positive reviews online. However, many people claim that they raise their prices annually, regardless of whether or not the national auto insurance rate is lower.

One of the most common Auto Owners Insurance complaints is that the company requires an auditor to come to a home before writing a homeowners policy.

The company then charges a fee for the mandatory service. Some people feel that they should be able to hire their own auditor if they are going to be required to pay extra for the service.

Overall, however, the reviews of this company are very positive. People feel that their claims are paid quickly and that the claims staff is very polite and helpful.

Some people complained that they were paid less than the value of their property, this was more the exception than the rule.

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How do I get a quote from Auto Owners Insurance?

You cannot get a direct quote for your insurance from Auto Owners Insurance. The company doesn’t have this ability online.

In addition, if you want a quote from an independent agent, you will have to visit them personally or talk to them via the telephone, they don’t offer quote tools either.

Auto Owners customer service might be found a little lacking with such few options.

There is nothing wrong with this method, mind you, but if you want to remain independent in your search for auto insurance, then you are going to have to use other options. A free quote tool is the best way to accomplish this.

What’s more, you need to use a third party quote tool that is independent of an insurance company so that you can do a price comparison against several top auto insurance companies.

You can get your free online auto insurance quotes right now by entering your ZIP code!

References:

    1. http://www.auto-owners.com/
    2. http://www.jdpower.com/
    3. http://www.wardfinancial.net/
    4. http://www.investopedia.com/terms/i/independent-agent.asp
    5. http://www.investopedia.com/terms/a/auditor.asp