Auto-Owners ranks as one of the most affordable auto insurers in Insure.com’s 2026 survey, with full coverage averaging $171 per month. The company earns above-average scores for customer satisfaction, ease of service, claims handling, trust and renewals, making it a strong value for drivers who prefer reliable service and an agent-supported experience. See how Auto-Owners compares across cost, coverage and customer reviews.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
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Auto-Owners delivers a strong blend of affordability and customer satisfaction, ranking as one of the cheapest full coverage insurers in Insure.com’s 2026 survey. With a monthly premium of $171, Auto-Owners comes in lower than nearly every major national carrier, trailing only USAA, American Family and Erie.
Beyond its competitive pricing, Auto-Owners consistently earns above-average marks across key service categories. Policyholders rate the company highly for customer satisfaction, ease of service and trust, and an impressive 92% say they plan to renew their policies.
Auto-Owners also performs well in claims handling and offers a wide range of coverage options that score above the survey average. While its digital tools trail slightly behind competitors, the company’s strong agent network and reliable service make it a standout choice for drivers who value personal support and consistent performance.
Below, we break down Auto-Owners’ cost, ratings and survey results to help you decide whether it’s the right insurer for you.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
Auto-Owners is a good choice for you if:
It might not be the best choice if:
Our agents make it hassle-free to get the right quote.
Auto-Owners has one of the cheapest rates in our auto insurance survey after USAA, American Family and Erie. Its monthly rate for full coverage car insurance is $171 per month, cheaper than all the major U.S. auto insurance carriers.
See more rates in the table below.
When it comes to customer satisfaction, 86% of policyholders reported being satisfied with Auto-Owners’ service – this was one point higher than the category average. For ease of accessing policy documents and services, Auto-Owners again was one point higher than the category average with a score of 89%.
For policy offerings, Auto-Owners was 3 points higher than the category average and 5 points lower than the top category scorer, Erie, at 92%.
When asked whether they’d recommend their auto insurer, 86% of Auto-Owners’ clients said they’d recommend the company, which was the average rate. Ninety-two percent of Auto-Owners customers reported finding the company trustworthy, which was higher than the average.
Finally, 92% of Auto-Owners customers said they’d renew their auto insurance policies with Auto-Owners.
For claims handling – how well the company handles claims – Auto-Owners scored two points higher than the average at 80%. For digital experience, which is how people rate Auto-Owners’ digital app and website experience, the company’s score of 80% was two points below the average.
Between the discounts and auto/home bundling scores, Auto-Owners’ scores were about average – it was three points lower than average for discounts and three points higher than average for bundling.
Below, you’ll find the car insurance coverage Auto-Owners offers to its policyholders:
Below is a list of car insurance discounts from Auto-Owners:
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Note: Availability is subject to change.
Founded in 1916 in Lansing, Michigan, Auto-Owners Insurance has grown into one of the largest mutual insurance companies in the United States. Today, Auto-Owners serves more than 5 million policyholders across 26 states and offers a full range of auto, home, life and business insurance products.
The company distributes coverage exclusively through a strong network of over 48,000 independent agents, emphasizing personalized service and fostering long-term customer relationships.
Financially, Auto-Owners is known for its conservative underwriting and stable performance. The company consistently earns top-tier ratings, including an A++ (Superior) financial strength rating from AM Best, reflecting its strong ability to meet claims obligations. With annual written premiums exceeding $10 billion and a long record of profitability, Auto-Owners is considered one of the most financially secure insurers in the country.
Contact Auto-Owners: Call 1-800-346-0346 or visit www.auto-owners.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.