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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Category | Average Score |
|---|---|
| Overall experience rating | 4.3 |
| Customer service | 3.7 |
| Value | 3.5 |
| Claims handling | 4.0 |
| Coverage options | 4.0 |
| Discounts | 3.5 |
| Policy transparency | 4.0 |
| Policy flexibility | 4.0 |
Auto-Owners overall user rating: 4.3 out of 5
Insurify Quality (IQ) Score for Auto-Owners: 8.2 out of 10
NAIC complaint index: 0.47 (Below average)
Average monthly premium from Auto-Owners: $88
Insurify gives Auto-Owners a quality score of 8.2/10. Overall, Auto-Owners customers have mixed opinions about the insurer, but reviews trend in a positive direction.
Auto-Owners’ satisfied customers appreciate dependable customer support, proactive agents, and solid coverage offerings. But other policyholders complain of rate increases at policy renewal, value that deteriorates over time, and ineffective discounts.
Auto-Owners earns a rating of 3.7 out of 5 for customer service from Insurify’s customers with coverage from the insurer. Positive reviews commonly focus on good experiences with local agents for day-to-day support and follow-ups. But some negative reviews touch on gaps in communication, particularly during urgent issues.
Here are reviews about customer service from real Auto-Owners customers.
Auto-Owners has a customer service rating of 3.7 out of 5, ranking a bit lower than Nationwide and State Farm. Insurify customers give ratings of 4.0 out of 5 for Nationwide and 4.4 out of 5 for State Farm.
Nationwide has a higher rating than both State Farm and Auto-Owners, with customers highlighting helpful representatives and quick resolutions to problems. State Farm, which ranks higher than Auto-Owners for customer service, has positive feedback from customers who feel taken care of by their local offices.
Below, you can see how customer service ratings for the three insurance companies compare.
Company | Average Score |
|---|---|
| Auto-Owners | 3.7 |
| Nationwide | 4.0 |
| State Farm | 4.4 |
Insurify’s customers with car insurance from Auto-Owners give the insurer an overall discount availability rating of 3.5 out of 5. Dissatisfied customers mention frustration with limited and hard-to-qualify-for discounts, as well as discounts that expire upon policy renewal. But other customers say they’re happy with the savings they’ve earned through bundling discounts.
Below, you can read real reviews from Auto-Owners customers discussing discount availability.
Auto-Owners ranks lower than Nationwide and State Farm for discount availability, with an average rating of 3.5 out of 5. Insurify customers give ratings of 3.7 out of 5 for Nationwide and 3.9 out of 5 for State Farm.
State Farm has a higher discount rating than both Nationwide and Auto-Owners, with customers mentioning local agents helping them understand discount eligibility. Nationwide ranks higher than Auto-Owners, and some customers describe helpful initial discounts.
See how the three insurers compare for discount availability below.
Company | Average Score |
|---|---|
| Auto-Owners | 3.5 |
| Nationwide | 3.7 |
| State Farm | 3.9 |
Overall, Auto-Owners earns a claims handling rating of 4.0 out of 5. Positive reviews focus on smooth claims processing, good communication, and fair outcomes. But some unhappy customers experienced delays and disappointing settlement amounts.
Learn more about how real Auto-Owners customers feel about the insurer’s claims handling in the reviews below.
Auto-Owners customers give the car insurance company a rating of 4.0 out of 5 for claims handling, with positive reviews ranking similarly to Nationwide and State Farm. Customers give Nationwide a rating of 4.2 out of 5, and State Farm has a rating of 4.1 out of 5.
Nationwide falls in the middle between Auto-Owners and State Farm, with mixed claims feedback touching on the insurer having a structured process with some friction around coordination. State Farm falls lower than Auto-Owners and Nationwide, with customers complaining of delays, having to follow up, and feeling dissatisfied with settlement outcomes.
Compare claims handling ratings from Auto-Owners, Nationwide, and State Farm below.
Company | Average Score |
|---|---|
| Auto-Owners | 4.0 |
| Nationwide | 4.2 |
| State Farm | 4.1 |
Auto-Owners has a value-for-money rating of 3.5 out of 5 from Insurify customers with coverage from the insurer. Happy customers cite stable pricing coupled with reliable coverage and customer support. But some negative reviews complain of renewal increases.
Here are real reviews from Auto-Owners customers about the insurer’s value for money.
The value-for-money rating for Auto-Owners is solid but lower than ratings for Nationwide and State Farm. Insurify customers give ratings of 3.5 out of 5 for Auto-Owners, 3.5 for Nationwide, and 3.7 for State Farm.
Based on ratings from Insurify customers, Nationwide and State Farm have stronger value ratings than Auto-Owners, with customers citing reliable and reasonable costs and savings opportunities. That said, all three insurers face some negative reviews complaining of increasing insurance costs.
See how Insurify customers rate the three car insurance companies below.
Company | Average Score |
|---|---|
| Auto-Owners | 3.5 |
| Nationwide | 3.5 |
| State Farm | 3.7 |
Insurify customers with auto policies from Auto-Owners give the insurer a rating of 4.0 out of 5 for policy transparency. Satisfied customers feel informed and have agents who explain coverage and billing details clearly and up front. But several negative reviews have had surprise charges or confusion during renewals.
Auto-Owners has a policy transparency rating of 4.0 out of 5, ranking higher than State Farm but slightly lower than Nationwide. State Farm has a rating of 3.9 out of 5, and Nationwide earns a rating of 3.9.
State Farm ranks lower for policy transparency than Auto-Owners, with some customers complaining of unclear coverage limits. Nationwide, which has higher ratings than Auto-Owners and State Farm, receives reviews that praise the company for providing clear next steps and understandable coverage information.
Compare policy transparency ratings from Insurify customers for these three insurers below.
Company | Average Score |
|---|---|
| Auto-Owners | 4.0 |
| Nationwide | 3.9 |
| State Farm | 3.9 |
Here are more than 365 reviews from real Auto-Owners customers on Insurify during the last 12 months.
Auto-Owners has high overall ratings from Insurify customers with coverage from the auto insurer. Customers review the company especially positively for its relationship-driven customer service and policy transparency.
Below, you can see how Auto-Owners compares to competitors like Nationwide, State Farm, GEICO, and more.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price $68/mo* | Average price N/A | Average price $78/mo* | Average price $112/mo* | Average price $121/mo* | Average price $144/mo* |
Overall rating | Overall rating | Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Cheap ratesAI-generated from 365 user reviews | Special highlight Usage-based savingsAI-generated from 1028 user reviews | Special highlight Customer serviceAI-generated from 21082 user reviews | Special highlight Teen driversAI-generated from 20688 user reviews | Special highlight Outstanding customer serviceAI-generated from 665 user reviews | Special highlight Numerous discountsAI-generated from 1820 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify.
These users complete an optional survey that asks them to review their experience with their current insurance company and rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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