HomepageInsuranceCarAuto-Owners Auto Insurance
Last updated on Aug 13, 2020

Auto-Owners Auto Insurance

Solid coverage with a human touch ​
Fact-checked with

Auto-Owners Auto Insurance

  • Independent agents
  • Low complaint ratio
  • Great customer service
  • Plenty of student discounts
Similar Products

How We Reviewed Auto-Owners Auto Insurance

related highlight icon

3 companies compared

related highlight icon

4 features evaluated

related highlight icon

3 ratings analyzed

Advertiser Disclosure:
We recommend products and services based on unbiased research from our editorial team. We make money via affiliate links, which means if you click a link on our site, we may earn a commission. Any commissions we receive do not affect our recommendations; if you want to know more about how that works, read more.

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.

Auto-Owners Auto Insurance

The Auto Insurance Factors We Analyzed

Pricing 

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.

Customer experience 

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

Coverage 

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. 

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. 

The Competition


A.M. Best Financial Strength RatingJ.D. Power 2019 Claims Satisfaction Study24/7 Claims Support
Auto-OwnersA++3/5
AllstateA+3/5
AmicaA+5/5

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.

About the Authors

Mary Van Keuren

Mary Van Keuren Contributor

Mary Van Keuren has been covering auto and home insurance for Reviews.com for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.