Auto-Owners Insurance Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Auto-Owners Insurance Final Score
4.5 Stars
Established in 1916, Auto-Owners Insurance Group is headquartered in Lansing, Michigan. The carrier is among the nation’s largest insurers and provides personal and business insurance to nearly 3 million policyholders.
For over 100 years, Auto-Owners has been dedicated to the independent agency system. The company is represented by 48,000 licensed independent insurance agents in 26 states and offers multiple lines of insurance including life, home, auto, and business.
Auto-Owners is rated A+ (Superior) by AM Best and is a Fortune 500 company. It has received numerous awards from national organizations for customer service and quality.
We award Auto-Owners Insurance a final rating of 4.5 out of 5 stars. The insurance company has been around for more than a century. Auto-Owners holds the highest possible rating from AM Best and an excellent rating from the Better Business Bureau. While coverage is only offered in 26 states, the carrier's catalog offers a large variety of products for individuals and businesses.
The insurance company also provides 24/7 claims reporting and offers a comprehensive social media experience. The carrier's accessibility could in part explain the large volume of positive customer feedback across the web.
Auto-Owners also offers competitive rates on its coverage and numerous discount options for customers of all kinds. Overall, we highly recommend looking into Auto-Owners Insurance if you're located in an area where coverage is available. Ask an independent insurance agent for help.
Auto-Owners Insurance Pros and Cons
Weigh the pros and cons of Auto-Owners Insurance below.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Auto-Owners Insurance Products by Type
Auto-Owners sells coverage for individuals and businesses. The carrier offers the following insurance products:
Auto insurance
- Auto insurance
- Motorcycle insurance
- ATV and off-road vehicle insurance
- Boat insurance
- Trailer insurance
Life insurance
- Life insurance
- Term life insurance
- Universal life insurance
- Whole life insurance
- Annuities
- Disability income insurance
Personal property insurance
- Homeowners insurance
- Condo insurance
- Renters insurance
- Rental dwelling insurance
- Mobile home insurance
- Umbrella insurance
- Property and valuables insurance
- Farm insurance
- Pet insurance
- Flood insurance
Business insurance
- Business insurance
- Commercial auto insurance
- Workers' compensation insurance
- Bonds
- Loss control insurance
- Commercial umbrella insurance
Your independent insurance agent can help you find more information about the coverage offered by Auto-Owners and help you determine if this insurance company is right for you.
Auto-Owners Insurance Personal Auto Insurance
Auto-Owners Insurance is best known for its personal auto insurance products. The carrier's policies offer the standard protections you'd expect to find, as well as a few extras.
Coverage types, features, and benefits:
Collision & comprehensive
Auto-Owners offers collision coverage and comprehensive coverage to help drivers get reimbursed for damage to their vehicles due to accidents, collisions with other objects, etc., as well as reimbursement for vandalism, theft, weather damage, and more.
Bodily injury liability & property damage liability
Auto-Owners offers the standard liability protection needed by all drivers, which provides reimbursement for damage or injuries to others in an accident.
Uninsured/underinsured motorist
Auto-Owners offers critical coverage for drivers who get into an accident with someone who does not carry any or adequate car insurance of their own.
Medical payments/Personal injury protection (PIP)
Auto-Owners offers both medical payments and PIP coverage (requirements vary by state) to help customers get reimbursed for their own injuries or injuries to their passengers in an accident.
Road trouble service
Auto-Owners provides 24/7/365 roadside assistance coverage for customers who lock their keys out of the car, get stranded on the road due to a flat tire or dead battery, and more.
Additional expense
Auto-Owners offers coverage to pay for a rental car for customers who've been in an accident, as well as compensation for lodging, food, and more if they're stranded away from home.
Loan or lease gap
Auto-Owners offers gap insurance to help cover the gap in coverage that's often left between a standard auto policy and the amount still owed on a vehicle loan or lease due to depreciation after an accident within the first few years of ownership.
Auto-Owners Insurance personal auto insurance average prices
We pulled average quotes for personal car insurance from Auto-Owners by policy type.
| Car Insurance Policy Type | Average Annual Cost of Car Insurance |
|---|---|
| Minimum Coverage | $490 |
| Full coverage | $1,890 |
Auto-Owners Insurance Homeowners Insurance
Homeowners insurance from Auto-Owners Insurance offers the standard protections you'd expect to find in a home insurance policy, plus a few extras.
Coverage types, features, and benefits:
Personal property & dwelling
Auto-Owners provides the standard protection for a home's structure and contents against many different perils, including fire damage, explosions, and more. Special personal property coverage endorsements are available to help extend contents coverage.
Personal liability
Auto-Owners' home insurance policies include personal liability coverage for expenses related to third-party lawsuits for claims of bodily injury or personal property damage.
Additional living expenses
Auto-Owners' home insurance policies include loss of use coverage to compensate for hotel stays, takeout meals, and more in case a policyholder's home is temporarily unlivable due to a fire or major storm.
Guaranteed home replacement cost
Auto-Owners offers an additional option that covers the full replacement of a customer's home if it exceeds typical policy limits.
Increased cost endorsement
Auto-Owners offers an optional endorsement that provides policyholders with an extra 25% of coverage above the policy's limit for home repairs or replacement.
High-value home coverage
Auto-Owners offers special protections for homes that come with higher price tags.
Home cyber protection
Auto-Owners also offers optional coverage for compensation due to cyber-attacks, fraud, extortion, and data breaches that occur via a connected device like a tablet or smartphone.
Auto-Owners home insurance average prices
We found the average annual rate of homeowners insurance from Auto-Owners by specific dwelling coverage amount.
| Dwelling Coverage Limit | Average Annual Cost of Home Insurance |
|---|---|
| $150,000 | $1,437 |
| $300,000 | $2,134 |
| $350,000 | $2,385 |
| $450,000 | $2,892 |
| $750,000 | $4,249 |
What Discounts Does Auto-Owners Offer?
Auto-Owners lists its specific discounts for customers on its public website. Some of the carrier's many discounts include the following:
- Multi-policy discount: Offered to customers who have more than one type of coverage with Auto-Owners.
- Payment history discount: Offered to customers who have paid their premiums on time for the last 36 months.
- Paid-in-full discount: Offered to customers who pay their annual policy premium in full and on time.
- Green discount: Offered to customers who enroll in paperless billing and pay policy premiums online.
- Advance quote discount: Offered to new applicants who request a premium quote prior to the effective date of the policy.
- Multi-car discount: Offered to customers with two or more private passenger vehicles insured on a personal auto policy.
- Safety feature discount: Offered to customers with vehicles equipped with certain safety features, such as anti-lock brake systems (ABS), airbags, or anti-theft devices.
- Favorable loss history discount: Offered to customers who haven't made a claim in the recent past.
- Good student discount: Offered to customers with good students on their policies who maintain a cumulative "B" or better grade point average.
- Student away at school discount: Offered to customers with students who attend school more than 100 miles from home without a vehicle.
- Teen driver monitoring discount: Offered to customers who permanently install a GPS in the vehicle that a listed insured teenager primarily operates.
An independent insurance agent can provide more exact discount information and premium quotes for coverage through Auto-Owners. When it comes to coverage, independent insurance agents work hard to help you get the most out of your money.
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Auto-Owners Insurance Customer Service
Auto-Owners offers 24/7 phone claims reporting for its policyholders. The carrier also provides the following customer service options:
- Fax
- Snail mail
- Mobile app
- Online bill pay
| Days | Hours (EST) | ||
| Monday-Friday | 8 am-4:30 pm | ||
| Saturday | Closed | ||
| Sunday | Closed |
The best way to ensure a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you.
Auto-Owners Insurance FAQs
Auto-Owners offers claims reporting using several methods. However, while it offers 24/7 claims reporting, the insurance company does not provide an official claims response time frame promise. Auto-Owners encourages customers to file claims within 24 hours of an incident.
Auto-Owners allows customers to file claims over the phone 24/7. However, the customer service department is available during standard business hours, Monday through Friday. The carrier’s social media presence extends across Facebook, X, LinkedIn, Instagram, YouTube, and Pinterest, which makes it much more accessible to customers.
Auto-Owners offers a couple of options for claims reporting. However, the insurance company does not detail its claims process on the official website or social media platforms. If customers have questions about filing or the claims process, they can contact the carrier via phone or email, or get in touch with their independent insurance agent.
Auto-Owners’ official website is intuitive and easy to navigate. Customers can easily find information about the coverages offered and how to contact the carrier. Online bill pay is available, as is 24/7 claims reporting via phone.
The carrier also has a comprehensive social media presence. Overall, Auto-Owners provides a highly user-friendly customer experience.
Auto-Owners has excellent ratings from both AM Best and the BBB and has demonstrated solid financial strength over time. The carrier has been around for over a century and has lots of positive customer feedback.
Auto-Owners also offers a large catalog of personal and commercial insurance products. Overall, Auto-Owners can be considered a good insurance company.
We found that Auto-Owners' car insurance coverage rates range from $490 annually for minimum liability-only policies to $1,890 for full coverage.
https://www.auto-owners.com/
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https://www.marketwatch.com/guides/insurance-services/auto-owners-insurance/
https://www.valuepenguin.com/auto-owners-insurance-review
https://news.ambest.com/NewsContent.aspx?refnum=246299&altsrc=23
https://www.bbb.org/us/mi/lansing/profile/insurance-companies/auto-owners-insurance-group-0372-22000661/customer-reviews