Auto-Owners Auto Insurance Review for 2022

Auto-Owners Insurance Company offers standard car insurance coverage options and several add-ons to individuals in 26 states. Here's everything you need to know about Auto-Owners auto insurance.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Sep 12, 2022

Advertiser Disclosure

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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: Sep 12, 2022

Advertiser Disclosure

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 auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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.

Written By: Sara RouthierReviewed By: Cynthia LanctotUPDATED: Sep 12, 2022Fact Checked
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Auto-Owners Insurance Group

Average annual rate for good drivers:

$1,305

A.M. Best rating:

A++

Complaint level:

Low

Pros

  • Positive customer reviews
  • Multiple insurance products
  • Excellent financial strength
  • Local insurance agents
  • The option to customize a car insurance policy
  • Low complaint index with NAIC

Cons

  • Limited availability
  • Poor claims process
  • Limited online presence
  • Limited digital tools

The Bottom Line

Auto-Owners has a lot to offer. The company has good customer reviews, excellent prices for coverage, and financial strength and future outlook that could make policyholders feel safe and secure.

Auto-Owners may not be best for you if you want a company with more online presence. And before you make any final decisions on coverage, you should compare quotes from multiple providers to see which offers the coverage you want at the best price.

A Concise Overview

  • Auto-Owners offers car insurance in 26 states in the U.S.
  • Rates with Auto-Owners are often competitive and lower than the national average
  • Auto-Owners has an A++ (Superior) financial strength rating with A.M. Best

If you’re searching for car insurance, you may want to consider Auto-Owners Insurance. Auto-Owners Insurance Company offers standard car insurance coverage and add-on options to individuals in 26 states. The company’s rates are competitive, and you may be able to save a good deal of money with an Auto-Owners insurance policy.

Depending on what you’re looking for, Auto-Owners may be the best car insurance company to meet your needs. Unfortunately, the company’s claims satisfaction score is slightly below average. Still, it would be best if you got Auto-Owners insurance quotes to see how much you could save with a policy from the company.

Auto-Owners Insurance Group Rates

The average cost for a full coverage policy with Auto-Owners is around $1,305 annually. Therefore, Auto-Owners has relatively low premiums compared to the national average. Here’s how that compares with each state’s average annual full coverage auto insurance rates.

Similarly, while the national average for a liability-only policy costs around $545, a minimum coverage policy with Auto-Owners is $325 annually.

Regarding age groups, a policy with Auto-Owners is significantly cheaper once an individual turns 25.

Coverage with Auto-Owners is much less expensive for people with a clean driving record. But rates are most expensive if you add a teen driver to your policy.

If you have a clean driving record, you may want to consider Auto-Owners coverage to see how much you could save. Here are some examples of how your driving history can affect your auto insurance rates.

First, let's look at how a DUI can increase your auto insurance rates.

If you are pulled over for speeding, or other traffic violations, and given a ticket, you may see your auto insurance rates increase.

Another factor that can cause your car insurance rates to go up is if you are involved in an accident and found to be at fault.

As you can see, keeping your driving record clean can help keep your auto insurance rates low.

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Auto-Owners Insurance Group Discounts Available

Policyholders may qualify for a discount with Auto-Owners. Some of the company’s most common discounts include:

  • Green discount. Receive a discount if you receive paperless billing.
  • Multi-policy discount. Save money if you have more than one insurance policy with Auto-Owners.
  • Multi-car discount. Get additional savings if you insure more than one vehicle.
  • Paid-in-full discount. Spend less if you pay for your six or 12-month policy in full.
  • Student discounts. Save money with discounts like good student, away at school, and teen driver monitoring.

Specific discounts can help people save up to 25% on their car insurance, so speak with a representative to see if you qualify for savings.

Does Auto-Owners have a mobile app?

Auto-Owners offers its policyholders a mobile app that allows them to pay their bills, submit roadside assistance requests, view their ID cards, and view their policy information. The app has 3.1 out of 5 stars on the App Store and 3.8 stars on Google Play.

Though the mobile app allows policyholders to check the status of their claims, the app does not allow people to file claims. Instead, policyholders have to speak with an Auto-Owners representative.

 

Auto-Owners Insurance Group Coverage Options

Auto-Owners offers the following types of car insurance coverage to its policyholders:

  • Liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist coverage
  • Medical payments
  • Personal injury protection
  • Purchase price guarantee
  • Rental car
  • GAP coverage
  • Diminished value

In addition to the coverages listed above, Auto-Owners offers the following add-ons for more protection:

  • Road trouble service. This coverage acts as a roadside assistance plan, covering fuel delivery, battery jump starts, lockout services, and more.
  • Additional expense coverage. This coverage provides rental car reimbursement and trip interruption services.
  • At-fault accident forgiveness. This coverage stops your rates from increasing if you’re at-fault in an accident.
  • Diminished value coverage. This coverage pays for any loss in value if your vehicle is in an accident.
  • GAP coverage. This pays the difference between your car’s value and what you owe in your loan or lease.
  • Personal automobile plus package. This coverage includes 10 additional coverages like cellphone replacement and identity theft protection.
  • Glass and windshield repair. This coverage pays for repairs to your car’s glass or windshield.

If you know you’re looking for additional coverage to help ensure you and your vehicle are protected, Auto-Owners’ add-ons could be a good option.

Does Auto-Owners offer specialty insurance coverage?

Auto-Owners offers the following specialty auto insurance options:

  • Classic cars. If you have a classic car, you’ll need something other than standard auto insurance. Classic car coverage is often cheaper than a typical policy and offers protection for vintage vehicles.
  • Modified cars. Vehicles that are converted or altered can be difficult to insure. Modified car coverage may cost more but meets each individual’s needs.

Auto-Owners may be a great company to consider if you have a classic or modified car because of the options for specialty coverage.

What other types of insurance does Auto-Owners offer?

In addition to auto insurance, Auto-Owners offers:

  • Homeowners
  • Renters
  • Condo
  • Mobile home
  • Business
  • Farmers
  • Floods
  • Motorcycle
  • Valuables
  • Umbrella policy
  • Life insurance
  • Long-term disability
  • Pet insurance

If you purchase auto insurance along with one or more other types of insurance from Auto-Owners, you may be eligible for a multi-policy discount with the company.

Auto-Owners Homeowners Insurance

With a homeowners insurance policy, Auto-Owners covers:

  • The dwelling
  • Detached structures
  • Personal liability
  • Injuries
  • Personal possessions
  • Expenses if policyholder stays elsewhere due to a covered loss

Customers can purchase add-ons such as equipment breakdown insurance or identity theft expense coverage for additional security.

Auto-Owners Life Insurance

Auto-Owners offers term life, whole life, and universal life insurance policies. Depending on the type of life insurance you need, you may be able to find a policy that meets your needs with Auto-Owners. And you could save money on coverage with discounts for multiple policies.

Auto-Owners Insurance Group vs. Competitors

Compared to other companies, Auto-Owners tends to cost a bit more than State Farm in most situations, but coverage is often cheaper than it is with companies like Progressive and Allstate.

Auto-Owners is cheaper on average than Progressive and Allstate for people with clean driving records and those with accidents on their records.

As with any insurance company, you’ll never know how much you will pay for car insurance until you get a quote. So if you’re considering purchasing a car insurance policy with Auto-Owners, you should call or visit the company website to see how much you would spend on coverage.

Frequently Asked Questions

Does Auto-Owners offer accident forgiveness?

The company offers at-fault accident forgiveness as an add-on for individuals to purchase.

Who owns Auto-Owners?

Auto-Owners was founded in 1916 and owns nine subsidiaries that comprise the Auto-Owners Insurance Group.

Is Auto-Owners insurance satisfactory?

Auto-Owners offers good insurance products at competitive rates. As a result, the company has fewer than average customer complaints and excellent ratings.

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.

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

Reviews
for Auto-Owners Insurance Group

4.15 (563 reviews)
1
February 1, 2021

helthscreen

Poor service

One of the worse companies I've worked with. They hit me with a bill 6 months after canceling. A cancelled in 2020 hit me with the bill in 2021 due to a "system issue" doesn't seem legal to hit someone with a bill 8 months later. I couldn't even log into my account to pay the bill because I am not longer a member there. How to chase them down online.
5
December 28, 2020

Vic_the_man

Good Enough

The company provided me with a good insurance coverage which came of good help when my car has a scratch on it
5
October 2, 2020

ellenamcd2

Well done Auto Owners Insurance

This is the first time I have had to file a claim with my Auto Insurance Company and both the agents and the auto insurance company Auto Owners Insurance did everything possible to make this as easy as possible. The Auto Body Shop a friend recommended were also wonderful...my car was show room ready in a very short time.
5
July 8, 2020

josechepe2001

Great policies and great road assistance

They provide great assitance when involved in an accident or having issues with your car specially for road assistance which is great
5
March 14, 2020

jessman1128

We love Auto Owners Insurance!

We have been very happy with our Auto Owners Insurance policy, agent, and company. We get very good rates and the service has always been excellent.
4
March 5, 2020

64061

Try auto owners.

They are very easy to work with and compete price wise with the others out there. I have full coverage for the same price I paid for liability only before.
5
February 24, 2020

VSchmitt

Good company from longtime customer

Auto Owners has always been a fair company to us. We have hit deer with vehicles and had one accident. I have had a policy with them for over 10 years. I continue to buy insurance from them because they continue to support me when needed.
5
February 24, 2020

pallam

Great policy for all our family needs

Great customer service. No significant rate increases. Prompt claims attention. Lowest pricing in the area. Can speak to a customer service rep easily, have not experienced long holds.
5
February 24, 2020

Tricia987654

Easy to love

Very easy to deal with and rates are some of the best in the area. The assessment time was quick and agents are responsive
4
February 23, 2020

db404

Agent mistakenly did not put comp on my oldest vehicle.

Reasonable prices considering Michigan auto insurance is very expensive. But unfortunately a newer agent neglected to put Comp on my oldest vehicle which I added last summer.
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