Auto Owners Insurance Car Insurance

3.8 29 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Pricing Better than most
Overall Satisfaction Better than most
Policy Offerings Among the best
Local Agent Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Estimation Process Better than most
Claim Servicing Better than most
First Notice of Loss (FNOL) Better than most
Repair Process About average
Overall Satisfaction Better than most
Rental Experience Among the best
Settlement Better than most
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
Florida 812 About average
Southeast 842 Better than most
North Central 850 Among the best
Central 847 Better than most
Auto Owners Insurance Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Full Star Full Star Half Star Empty Star 3.7
6
Android
Full Star Full Star Full Star Full Star Half Star 4.9
20
Financial Ratings
Company Name Ratings
A.M. Best A++

Discounts

The largest discounts from Auto Owners Insurance are: Passive Restraint Discount, Multiple Vehicle Discount, Student Away at School Discount

Discount Type Discount %
Passive Restraint Discount up to 35%
Multiple Vehicle Discount up to 31%
Student Away at School Discount up to 25%
Multiple Policy Discount up to 14%
Prepay Discount up to 14%
Anti-Theft Device Discount up to 11%
Anti-lock Brake Discount up to 10%
Good Student Discount up to 10%
Company Car Discount up to 5%
Accident Free Discount Varies
Good Driver Discount Varies
Paid in full discount Varies
Mature driver discount Varies
E-billing Discount Varies
Good Credit Discount Varies
Organization Discount Varies
TeenSmart Discount Varies
Eco-nomy Car Discount Varies
Paperless documents discount Varies

Payment Methods

  • Complete Tick Automatic Online Payments

Features and Services

Auto Owners has been offering its customer exceptional service for over 100 years. Their independent insurance agents are available to help you file a claim over the phone or in person at one of their 80 claim office locations. 

Auto Owners roadside assistance is available 24 hours a day, 7 days a week over the phone.

With an online account, Auto Owners customers can track a claim and their claim history 24/7. Customers can also use their accounts to manage their policies, make payments, and print insurance ID cards.  

 

  • Roadside assistance Roadside assistance
  • Online account management Online account management
  • Policy bundling discounts Policy bundling discounts
  • Mobile app Mobile app
  • 24/7 service 24/7 service

Optional Coverage

  • Complete Tick Glass Coverage
  • Complete Tick Gap Insurance
  • Complete Tick Pet Coverage
  • Complete Tick Rental Reimbursment
  • Complete Tick Road Side Assistance
  • Complete Tick Antique or Collector Car Insurance
  • Complete Tick Umbrella Policy

Auto Owners Insurance Insurance Products

Auto Owners car insurance policies will cover a wide variety of motorized vehicles including all-terrain vehicles, antique vehicles & classic vehicles, automobiles, converted or modified vehicles, low speed vehicles, mopeds, motor homes, motorcycles, recreational vehicles, utility trailers, vacation trailers/campers.

Available coverages and discounts may vary by state, but will most likely include:

  • Additional Expense

  • Bodily Injury Liability

  • Collision

  • Comprehensive

  • Full Glass: This coverage is optional and part of the comprehensive auto insurance coverage plan with Auto Owners. It will cover the repair or replacement of your car’s glass. Your deductible will be waived if your windshield only needs to be repaired.

  • Loan/Lease Gap: Provides higher coverage limits of the actual cash value of your car. In the event that your car is stolen or a total loss, this coverage will pay the balance of your existing car loan if it is greater than the actual cash value of your vehicle at the time of the loss.

  • Medical Payments

  • Non-Owned Automobile

  • Personal Auto Plus: This optional coverage provides additional auto insurance for a variety of losses including:

    • Trip Interruption Coverage

    • Cellular Phone or 2-Way Communication Device Coverage

    • Increased Transportation Cost Coverage

    • Non-Owned Trailer Physical Damage Coverage

    • Supplementary Payments Coverage

    • Identity Theft Expense Coverage

    • Personal Property Coverage

    • Automobile Stereo, Video & Media Coverage

    • Rental Automobile Gap Coverage

    • Loss of Use by Theft Coverage

    • Re-Key Coverage

    • Deductible Amendatory

  • Personal Injury Protection

  • Pet Medical Coverage

  • Physical Damage Plus

  • Property Damage Liability

  • Rental Car: This coverage automatically applies when you have full coverage with Auto Owners and will pay for repairs or replacement and gap coverage to rental vehicles.

  • Road Trouble Service: Covers 24 hour, 7 day a week roadside assistance including towing, flat tires, dead batteries, emergency fluid services, and lock out service. Call their toll-free line at 1-888-TOW-AOIC (1-888-869-2642).

  • Underinsured Motorist Liability

  • Uninsured Motorist Liability

  • Uninsured Motorist Property Damage

Auto Owners offers a variety of home insurance coverages and their independent agents will make sure there aren’t any gaps in your protection for your home, condominium, renters, mobile home, farms, rental home, and your possessions.

Available coverages and discounts may vary by state.

Auto Owners optional home insurance coverages include:

 

  • Backup of sewer and sump pump

  • Boats

  • Earthquake

  • Flood

  • Food spoilage from power outage

  • Furs

  • Golf and other sports equipment

  • Identity theft expense

  • Jewelry

  • Personal computers

  • Personal umbrella liability

  • Snowmobiles

Auto Owners offers a variety of life insurance coverages and their independent agents will make sure there aren’t any gaps in your life, annuities, long term care and disability income protection.

Available coverages and discounts may vary by state and may include:

 

  • Permanent Life insurance:

    • Universal Life: Auto Owners offers perma Term 2 and 3 Universal Life policies.  This policy provides immediate cash value, flexible payment plans, tax deferred savings, and guaranteed death benefits.

    • Whole Life: Provides cash value and supplement retirement income at varying coverage levels.

    • Simplified Issue Whole Life: Provides coverage for finals expenses like funeral costs, outstanding debt, and medical bills. Coverage provides cash value up to the policyholder age of 110 for those insured between the ages of 50 to 80.

    • Simplified Issue Children's Whole Life: Provides death benefits and cash values to the age of 110 for those insured from birth to age 17.

  • Term Life Insurance: Term Life Insurance provides coverage for a specific period of time such as 10, 20 or 30 years. It is meant for short-term protection from things such as debt obligations and mortgages. Typically, term insurance does not provide cash value.

  • Optional Life Insurance Benefits: Auto Owners offers a handful of optional benefits with their life insurance policies including:

    • Disability Waiver of Premium

    • Accidental Death

    • Family Plan

    • Mortgage Payment Disability Benefit

    • Payor Death and Disability

    • Guaranteed Purchase Option

  • Annuities: Set aside money on a tax deferred basis that will provide consistently provide income over a lifetime. In the event of a death, your annuity can be passed on to a named beneficiary.

  • Long Term Care: Protect your assets while you are receiving long term care in a facility or within your own home. Coverage can be purchased for 2, 4, 6, or 10 years. Auto Owners offers 2 types of long term care coverage including Auto Owners Care Benefits and Auto Owners Care Benefits Plus.

  • Disability Income: This coverage will provide money to replace earned income while you’re disabled from a sickness or an accident. Auto Owners disability income features:

    • 24-hour-a-day coverage while on or off the job

    • A non-smoker discount

    • Benefit period of 2 years, 5 years or to age 67

    • A First Day Disability Income Benefit to provide a daily income while you’re hospital confined

    • Premiums waived after disability has lasted 90 consecutive days

    • A partial disability benefit is included

    • A recurrent disability benefit is included

    • Disability income for business owners includes reimbursements for expenses such as salaries, business insurance, operating expenses, etc. and a return to work rider

Auto Owners business insurance policies will cover a wide variety of both large and small businesses.

Available coverages and discounts may vary by state, but will most likely include:

  • Commercial buildings

  • Business liability

  • Commercial automobiles: Provides auto insurance coverage for Manufacturing & Distributing, Trucking, Contractors, Delivery, Farm, Landscaping & Snow Removal, Errand Vehicles, Catering, School-Owned Autos and Buses. Auto Owners offers a variety of standard and optional coverages for commercial vehicles including discounts.

  • Garages & dealerships

  • Excess business liability

  • Employees

  • Disability income

  • Farms

  • Bonds

  • Cyber liability coverage: This protection includes customer names, social security numbers, credit card numbers, health information, and even the threat of a computer virus.

Optional business insurance coverages include:

  • Business life insurance

  • Contractors equipment and other Inland Marine coverages

  • Coverage packages

  • Earthquake

  • Flood

  • Professional Liability

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Company History

Auto Owners Insurance Company was founded in Mount Pleasant, Michigan in 1916 and provides car, home, life, and business insurance. 

Auto Owners Insurance Group is made up of five property and casualty companies and one life and health provider. For the past 14 years, this group has been ranked among the Fortune 500, and their written premium is around $6 billion.

Auto Owners is represented by over 35,000 independent agents in more than 6,000 agencies in 26 states including 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, Virginia, and Wisconsin. 

Auto Owners network of independent agents means you’ll get local, unbiased insurance advice that you can trust. 

Auto Owners Insurance has a reputation for excellence that is proven by their affordable premium rates, customer and claims services, financial stability, and flexible payment options. 

 

Auto Owners Insurance Reviews

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Most Positive Review
By Dixie
February 13, 2018

Their staff is always friendly, answer all my questions, and I may stay with them. I'm just researching because my rates are so high. I can understand them raising my payments as I've had two accidents since December 19, 2016, but no one was hurt or killed (THANK GOD)it was my only accident in 73 years, damage to both vehicles was under $9,000. My second accident only involved me. Auto-Owners totaled my vehicle and paid me damages of $6206.80. Again, I can see where my rates would raise, I just didn't expect it to be what it is, so I thought I'd shop around.

Most Critical Review
By Donna
January 9, 2018

Claims Adjuster for 1 thing. Most of the time you can't get ahold of anyone at my agents office