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Auto-Owners is a 100+ year old company that’s financially strong and has a good range of auto insurance coverage types, allowing you to create the policy that works best for you.
There’s more good news if customer service is important to you. Auto-Owners relies on a network of independent agents who do all the heavy lifting for you when it comes to car insurance. You’ll work with them to develop a customized policy with the right coverage for your needs and discounts to get your premium costs down to the minimum.
The slightly-less-good-news is that the company’s website is not as digitally advanced. There’s very little you can do online, other than to find out where your closest agent is.
If you prefer human contact to digital convenience, it’s worth a quick call to your local agent to see if it’s a good fit for your needs.
The States Where AutoOwner Premiums Are Cheapest and Most Expensive
|Minnesota||Georgia||South Carolina||North Dakota||Iowa||Utah|
Data Source: Coverage.com
The Auto Insurance Factors We Analyzed
Your premium costs are unique, based on your driving record, credit rating, age of your car, location, and other factors, so it’s hard to say what an “average” quote from Auto-Owners auto insurance would be. Because the company doesn’t offer an online quote tool as many insurers do, you’ll need to call a local agent to get a personalized quote.
Though some factors such as your age cannot be changed, a good credit score, clear driving record, and using safety technology can impact savings on your Auto-Owners policy through the company’s discounts.
Auto-Owners scores well with consumer ranking organizations. J.D. Power gives the company an 870 out of 1,000 in its 2019 Auto Claims Satisfaction Study, which is a hair above the industry average of 868.
Consumer Reports gives it an 81/100, which puts it into the “better” category. The National Association of Insurance Commissioners rates it as “excellent” on the Company Complaint Index, which reflects fewer than average complaints.
With Auto-Owners car insurance customer experience, you do everything — apply for insurance, make a claim, handle disputes — with an independent agent rather than via the website. If your priority is direct communication with a real person, this will be an advantage.
But for those who prefer to use digital tools and handle insurance needs online, Auto-Owners might not be the best choice. The sparse website is clearly laid out, so you can easily see the coverages available and discounts you might want to consider, but about the only task you can handle via the website is locating your local agent.
Auto-Owners offers both essential and optional coverages. Most states in the U.S. require at least the following types of auto insurance:
- Bodily injury liability, to cover medical costs for others in an accident, and
- Property damage liability, to cover damages to the other person’s car(s) or property.
Other types of insurance that are required in some states but are optional in others include:
- Personal injury protection (PIP) and medical payments insurance – this pays your own medical expenses in the event of an accident.
- Uninsured/underinsured motorist – this provides coverage in the event your accident involves injury or damage caused by someone who does not have any or enough coverage.
Auto-Owners also offers these common types of optional, add-on coverage:
- Collision – pays to repair or replace your own car after an accident.
- Comprehensive – pays for damages caused by anything other than an accident, such as vandalism, fire, hail or wind storms, theft, damage from hitting an animal, or other common mishaps.
One optional coverage that Auto-Owners offers that we like is an unusual “Personal Automobile Plus Package,” providing coverages such as identity theft, rekeying locks, replacing your cell phone, and more.
The most important element in your Auto-Owners auto insurance will be your liability coverage.
While your state may have mandated minimums for liability, we recommend that you consider purchasing more than the minimum required to ensure that you’re covered. Bodily injury liability costs, in particular, can mount up quickly if someone is seriously injured in an accident.
Deals, discounts, and add-ons
Auto-Owners has several discounts that can significantly reduce your premium. These include many that are standard in the industry, like multi-policy, multi-car, safety features, and student discounts for those with good grades or who are away at school.
There are also discounts that aren’t as common, such as a green discount for paperless billing, a paid-in-full discount, and a teen driver monitoring discount that requires a permanently installed GPS device in the car that your teen operates.
In addition to the optional coverages mentioned above, Auto-Owners has add-ons that allow you to customize your policy, including:
- Road trouble service – similar to a AAA membership, that helps you out if you get stranded on the road or lock yourself out of the car;
- Lease gap – pays the difference between what you owe on your car and what the car’s depreciated value is if it’s totaled;
- Diminished value – protects your investment in your auto if it’s not worth what it was before the accident;
- Additional expense – covers costs for a rental car and — if you find yourself far from home after an accident — food, hotel, and other costs until you’re on the road again.
Online and mobile service
Auto-Owners offers a mobile friendly experience for internet users on any device, whether it’s a phone, tablet, desktop, or laptop. The Auto-Owners Insurance company’s website has a simple user interface and is easy to navigate for both potential and current customers. Potential customers can view detailed information about Auto-Owners’ home, car, life, and business insurance.
Current customers can also login through the website to view documents, pay bills, report a claim, and more. If you just need to pay a bill, Auto-Owners makes it easy for you to pay without even logging in.
In terms of mobile service, Auto-Owners is available on iOS through the Apple Store and on Android through Google Play. The app allows users to pay bills, manage automatic payments, report and view claims, and more. On Google Play, the app has an average rating of 3.8 out of 5 stars, while on the Apple store, it has an average rating of 3.2 out of 5 stars.
Auto-Owners Overview: Financial Strength, Availability, and History
Auto-Owners flies under the radar as far as the general public is concerned. Though it’s public profile is somewhat underrepresented, the Better Business Bureau gives the company an A+ rating, and company representatives do respond to negative reviews on the site.
- In business since: 1916
- States served (availability): 26
- Standout features: extra optional coverages and a good range of discounts
Where is Auto-Owners auto insurance coverage available?
The biggest disadvantage to Auto-Owners insurance is its accessibility. Auto-Owners insurance is available in only 26 states: AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, MA, ME, MI, MN, MO, NC, ND, NE, NH, OH, PA, SC, SD, TN, UT, VA, VT, WI.
|A.M. Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
All information accurate as of 04/04/2020.
The Bottom Line
Although it may not be as well known as companies like Allstate or State Farm, Auto-Owners has developed a reputation for great customer service in the 26 states it serves.
It’s best suited for people who like to develop a relationship with a live agent that lasts as long as they have their policy.
The company is financially sound and offers coverage options and discounts that allow you, with the help of your local agent, to build a policy that is perfectly suited to your particular needs.
Auto-Owners Car Insurance FAQ
What other types of insurance does Auto-Owners offer?
Auto-Owners offers a wide range of policy types, including homeowners, condo, retners, umbrella, pet, flood, life, long term care, boat, trailer, ATV, business and commercial auto.
You may be able to save money on your premium costs if you bundle your auto insurance with one of these other types of insurance.
How much car insurance do I need?
If you can afford it, go for more than your state’s mandated minimums. Both medical costs and property damage can mount up quickly in an accident, and you’d be on the hook for anything over what your insurance covers. Consider increasing your bodily injury coverage if you’re concerned about the minimum coverage being inadequate.
Where is Auto-Owners auto insurance coverage available?
Auto-Owners insurance is available in 26 states: AL, AR, AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, MA, ME, MI, MN, MO, NC, ND, NE, NH, OH, PA, SC, SD, TN, UT, VA, VT, WI.
What does Auto-Owners car insurance typically cover?
A typical Auto-Owners policy will include bodily injury and property damage liability. It may also include collision, personal injury protection, comprehensive, uninsured/underinsured motorist, and medical payments. Other add-ons include road trouble service, loan/lease gap, additional expense coverage, new car replacement, diminished value, and rental car coverage.