Reviews Report
- Reviews.com scores Auto-Owners insurance company with a 4.4 out of 5, supported by an A++ (Superior) AM Best financial strength rating and a Stable outlook with very large size (FSC XV) per recent AM Best rating actions.
- We compared Auto-Owners to large insurers such as Progressive, State Farm, and USAA using regional results from J.D. Power’s 2025 U.S. Auto Insurance Study to highlight service strengths and gaps.
- Auto-Owners’ Personal Automobile Plus package bundles convenience coverages for one add-on premium, and drivers may also save with the TrueRide telematics program (participation and savings vary by state) alongside standard multi-policy discounts.
Finding the best car insurance means balancing financial strength, service, and price. Auto-Owners stands out for its top-tier AM Best rating (A++ Superior), agent-driven service model, and consistently strong showings in J.D. Power’s regional customer satisfaction results.
Our Auto-Owners review focuses on coverage choices, bundled packages, and discount pathways. Notable options include the Personal Automobile Plus endorsement, widely available add-ons (roadside, rental/Additional Expense, loan/lease gap), and behavior-based savings via TrueRide. Policies are sold through independent agents, and policyholders can manage billing and documents through the Customer Center (availability varies by state and form).
The States Where Auto-Owners’ Premiums Are Cheapest and Most Expensive
| South Dakota | Arkansas | Michigan | Colorado | Kansas | Nebraska |
| Minnesota | Georgia | South Carolina | North Dakota | Iowa | Utah |
| Wisconsin | Indiana | Illinois | Pennsylvania | Idaho | Ohio |
Data Source: Coverage.com. Market context: carriers moved toward rate adequacy in 2024 with price increases moderating into 2025; shoppers remain highly active (Fitch sector outlooks; J.D. Power Insurance Shopping Study; TransUnion Shopping Index).
Auto-Owners Car Insurance Overview
Auto-Owners car insurance pairs independent-agent guidance with strong financials and solid service reputation. Policyholders can manage billing and ID cards online in the Customer Center, while quotes and coverage tailoring are handled through local independent agents.
Auto-Owners’ “No Problem” ethos is reflected in recent third-party benchmarks: the brand performs well in regional satisfaction in J.D. Power’s 2025 U.S. Auto Insurance Study and continues to earn favorable claims experience indicators in the latest J.D. Power U.S. Auto Claims Satisfaction Study. For regulator-verified complaint ratios by legal entity and year, use the NAIC Consumer Insurance Search (a complaint index below 1.00 indicates fewer complaints than the national median).
PROS
CONS
Auto-Owners Car Insurance Highlights
Auto-Owners’ Car Insurance Bundling Discounts for Cheaper Insurance
Bundling auto with home, renters/condo, umbrella, or life can unlock multi-policy discounts and simplify service through one agent. Auto-Owners’ independent agents tailor bundles to your state and needs; see options on the auto and home product pages. Independent reviews from Forbes Advisor and NerdWallet also note strong bundling value.
Auto-Owners highlights a common/single loss deductible when both home and auto are insured with the company and one covered event damages both—potentially reducing or waiving one deductible, subject to endorsement and state rules (confirm details with your agent on the home insurance page).
Auto-Owners Car Insurance vs. The Competition
| Provider | Reviews.com Score | AM Best | J.D. Power (regional results)* | Discount info |
| Auto-Owners | 4.4 | A++ | Strong in several regions | See site (state-specific) |
| Progressive | 4.4 | A+ | Varies by region | Published discount menu |
| State Farm | 5 | A++ | Often above average | Published discount menu |
| USAA | 4.8 | A++ | Very high (not rank-eligible) | Member-specific discounts |
Information accurate as of 2025
*J.D. Power’s 2025 U.S. Auto Insurance Study publishes regional rankings on a 1,000-point scale; individual brand scores are licensed content.
Auto-Owners vs. Progressive
Progressive offers extensive digital tools and a large published discount list (including telematics via Snapshot), which can drive competitive pricing for many drivers. Auto-Owners counters with top-tier financial strength (A++ AM Best) and typically strong regional satisfaction, per J.D. Power, delivered through independent agents. Choose based on preferred service model (digital-first vs. agent-led) and your eligibility for state-specific discounts.
Auto-Owners vs. State Farm
Both brands emphasize agent service and broad bundles. State Farm adds widely available rideshare endorsements and mature telematics programs, while Auto-Owners focuses on agent customization, bundled enhancement packages, and a common/single loss deductible when you place home and auto with the company (state-dependent). Recent J.D. Power reporting shows each performing well in multiple regions—compare local rankings and quotes.
Auto-Owners vs. USAA
USAA is limited to active military, veterans, and eligible family members, and it typically scores very highly but is not rank-eligible in J.D. Power public rankings. Auto-Owners is open to the general public in its 26-state footprint and is a strong fit for shoppers who prefer independent-agent service and bundling options. If you’re USAA-eligible, compare both on regional satisfaction and total bundle value.
Auto-Owners FAQ
Methodology
We evaluated Auto-Owners Insurance Company based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:
- Discounts: Auto insurance companies that publicly list more discount opportunities received higher scores; we verified discount menus on official sites (availability varies by state).
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability and outlook.
- Customer Satisfaction: We referenced J.D. Power’s 2025 U.S. Auto Insurance Study for regional satisfaction context and the latest Auto Claims Satisfaction Study for claims benchmarks.
- Coverage: Car insurance companies were awarded higher scores for advertised add-ons beyond liability, collision, comprehensive, UM\/UIM, and medical\/PIP (e.g., roadside, rental, gap, package endorsements).
- Online Resources: We reviewed digital self-service capabilities (customer portals, apps) and claims support pathways; higher scores reflected broader, clearer self-service paired with accessible human help.
