Auto-Owners

Auto-Owners - Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify

Composite Score
86
What is this?
U.S Auto Insurance Shopping Study (2018)
OptionsResults
Local AgentAmong the best
Overall SatisfactionBetter than most
Policy OfferingsAmong the best
PricingBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsResults
Claim ServicingBetter than most
Estimation ProcessBetter than most
First Notice of Loss (FNOL)Better than most
Overall SatisfactionBetter than most
Rental ExperienceAmong the best
Repair ProcessAbout average
SettlementBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionRatingsState Average
Central847Better than most
Florida812About average
North Central850Among the best
Southeast842Better than most
Auto-Owners Ratings
BrandRatingsUser reviews
Mobile App (iOS)
3.7
6
Mobile App (Android)
4.9
20
Insurify
2.8
63
Trust Pilot
Trustpilot score: 3.5
TrustScore 3.5
1
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA++

Discounts

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

Carrier Discounts
Discount %
35%
31%
25%
14%
14%
11%
10%
10%
5%
Passive RestraintMultiple VehicleStudent Away at SchoolMultiple PolicyPrepayAnti-Theft DeviceGood StudentAnti-lock BrakeCompany Car
Discount Group
Discount TypeDiscount %
Passive Restraintup to 35%
Multiple Vehicleup to 31%
Student Away at Schoolup to 25%
Multiple Policyup to 14%
Prepayup to 14%
Anti-Theft Deviceup to 11%
Good Studentup to 10%
Anti-lock Brakeup to 10%
Company Carup to 5%
EV/HybridVaries
teenSMARTVaries
OrganizationVaries
Good CreditVaries
E-billingVaries
Mature driverVaries
Paid in fullVaries
Good DriverVaries
Accident FreeVaries
Paperless documentsVaries

Payment methods

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    Automatic Online Payment
    Info

Features and Services

Auto-Owners has been offering its customer exceptional service for over 100 years. Their network of over 47,000 independent insurance agents is 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. 

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    24/7 service
  • benefit/mobile-app.svg
    Mobile app
  • benefit/roadside-assistance.svg
    Roadside assistance
  • benefit/online-portal.svg
    Online account management
  • benefit/policy-bundling.svg
    Policy bundling discounts

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

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    Glass Coverage
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    Gap Insurance
    Info
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    Pet Coverage
    Info
  • complete-tick.svg
    Rental Reimbursement
    Info
  • complete-tick.svg
    Roadside Assistance
    Info
  • complete-tick.svg
    Antique or Collector Car Insurance
    Info
  • complete-tick.svg
    Umbrella Policy
    Info

Auto-Owners Insurance Products

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Car Insurance
products/home.svg
Home Insurance
products/life.svg
Life Insurance
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Business Insurance

FAQs - Auto-Owners Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare Auto-Owners to GEICO

Auto-Owners vs GEICO

Company History

Auto-Owners Insurance Company was founded by Vern V. Moulton in Mount Pleasant, Michigan in 1916 and provides commercial auto, home, life, and business insurance. It is currently headquartered in Lansing, Michigan. Auto-Owners' CEO is Jeffrey S. Tagsold. 

Auto-Owners Insurance Group is made up of five property and casualty companies (Auto-Owners Mutual Insurance Company, Owners Insurance Company, Property-Owners Insurance Company, Home-Owners Insurance Company, and Southern-Owners Insurance Company) and one life and health provider (Auto-Owners Life Insurance Company). As such, Auto-Owners operates as an independent insurance agency. For the past 14 years, this group has been ranked in the famed Fortune 500 list, and its written premium is around $6 billion.

Auto-Owners is represented by over 47,000 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 Insurance has a reputation for excellence that is supported by its affordable premium rates, customer and claims services, financial stability, and flexible payment options.

To learn more, and to find contact information for this independent agency or find an agent near you, visit www.auto-owners.com. 

Auto-Owners Reviews

2.8
5 Stars
33 %
4 Stars
6 %
3 Stars
11 %
2 Stars
6 %
1 Star
43 %

Most Positive Review

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

All Reviews

Showing 1 - 10 out of 63 Reviews
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Nancy Ferguson
We've had Auto Owners for home and auto for more than 10 years. Their rates have always been the lowest I've found for full coverages. We work with a local agent for questions and policy reviews who has been excellent. Claims go through the claims department and not through the agent. They also have been very responsive and helpful. This year, 2020, we had a significant increase in premiums. The reason given on the policy page was a reduction in credit score. Our score went down 10 points but is still in the 800's. I think it has more to do with our age but they won't say that. We don't have tickets and no accidents or claims for at least 5 years and we drive fewer miles now than ever before. We are getting a Covid19 rebate but as of now we don't know how much that will be. I always recommend Auto Owners to others and will continue to do so. I'm just a little disappointed that we aren't rewarded for being such a good customer.
Cherry
Regina, my Agent has been great, however wrong information was entered by Nexusis & my driving record incorrectly impacted, also Auto Owners rates are jumping outrageously, also I am being double invoiced for a policy which is currently paid through Dec 14, 2019. I don't know what is going on with Auto-Owners or with Clinard Insurance Agency. I do like the personal agent, Regina that has always helped me with my insurance.
Frank
Too difficult to deal with for claims. Charged my wife as responsible for an accident in a parking lot when her car was struck from behind. My car was totaled in another accident where I was rear-ended on an exit by a truck which pushed me into a van. AO hired an appraiser to get the value of my vehicle and then arbitrarily and unilaterally reduced the value given. I had been warned this would happen by another insured.
Betsy Heckert
Brittany S
Dean
No problems with it and it is cheaper than anything you offer for the coverage I get.
Nichole
Donna W.
On June 28, 2018, our boat dock on West Point Lake suffered severe storm damage from strong wind. Auto Owners' hired a engineer to inspect and he reported that the damage was caused from waves (which is not covered by our policy) instead of the obvious cause of wind (which is covered by our policy.) Not only is the lake too small to possibly have waves large enough to cause this kind of damage but we had a path of trees down through our property as a result of the strong winds during that storm. After several attempts to get the adjuster to reconsider their decision, we were forced to file claim in Magistrate Court. After four months of filing this claim and many hours preparing to present our case in court, the Judge found that it was obvious wind damage and ordered Auto Owners to pay the full amount of our claim. Their attorney stated they would consider an appeal so we had to wait another thirty days for them to pay. We are aware of others on our lake who were also denied their damage claims from Auto Owners but they (like most people) chose not to fight it. It is just not right for any insurance company to collude with engineers or contractors to prevent paying legitimate claims knowing that most people will not fight it. We have cancelled our home and auto policies with them as well as our commercial policies we have had with them for at least twenty years. No one should have to go through what we went through due to their unethical business practices.
TERRY
The claim process has been a disaster!
Debora
Good customer service.
Showing 1 - 10 out of 63 reviews

Auto-Owners Car Insurance Information

Insurify Composite Score86
Number of discounts19
Number of reviews63
User Rating2.8
A.M. BestA++

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.