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Auto-Owners Auto Insurance Reviews and Ratings

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Auto-Owners Ratings
Overall Rating: 4.25
J.D. Power: 3.53
Average Premium: 4.31
Speeding-Increase: 4.34
At-Fault: 4.54
NAIC: 4.95
Multi-Policy Discount: 2.99
AM Best Rating A++

About Auto-Owners Car Insurance Company

In July 1916, Vern V. Moulton and four other associates organized Auto-Owners Insurance Company in the Michigan city of Mount Pleasant, and in 1917 the company headquarters moved to Lansing, Michigan, where the home office has remained. At that time, Auto-Owners consisted of one book of policyholder names and $174.25 in assets.

In 1935, Auto-Owners began writing insurance in Indiana, and in 1966 the Auto-Owners Life Insurance Company was established.

Auto-Owners celebrated its 100th anniversary in business in July 2016, and by 2020, Auto-Owners wrote insurance in 26 states and employed more than 4,700 associates.

Auto-Owners has expanded well beyond auto insurance and now offers a full suite of insurance products as one of the nation’s largest insurance companies. Auto-Owners currently has over 3 million policyholders in 26 states. Over 48,000 licensed agents sell Auto-Owners insurance.

Auto-Owners currently has over 3 million policyholders in 26 states. Over 48,000 licensed agents sell Auto-Owners insurance.

Auto-Owners is rated A++ (Superior) by the AM Best Company and backs up its products with its “No Problem” claims service which strives to make every claim hassle-free. Auto-Owners is an excellent choice for your insurance needs.

Contact Auto-Owners

Auto-Owners Auto Insurance Company Coverages

  • Collision
  • Comprehensive
  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Motorist
  • Medical Payments and Personal Injury Protection
  • Road Trouble Service
  • Additional Expense
  • Loan Gap/Lease Gap
  • Diminished Value
  • Personal Automobile Plus Package

Auto-Owners Auto Insurance Company Discounts

  • Multi-Policy Discount
  • Life Multi-Policy Discount
  • Payment History
  • Paid-in-Full Discount
  • Green Discount
  • Advance Quote
  • Multi-Car
  • Safety Feature Discounts
  • Deductibles
  • Favorable Loss History
  • Student Discounts
  • Good Student Discount
  • Student Away at School Discount
  • Teen Driver Monitoring Discount

Auto-Owners Auto Insurance Company Additional Coverages

  • Motorcycle
  • ATV & Off-Road Vehicle
  • Motorhome & RV
  • Boat
  • Trailer
  • Homeowners
  • Condo
  • Renters
  • Rental Dwelling
  • Mobile Home
  • Umbrella
  • Property & Valuables
  • Farm
  • Pet
  • Flood
  • Term Life
  • Universal Life
  • Whole Life
  • Annuities
  • Long-Term Care
  • Disability Income
  • Business Insurance
  • Commercial Auto
  • Workers Compensation
  • Bonds
  • Loss Control
  • Commercial Umbrella
Coverage Options
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Pet injury coverage Icon
Pet injury coverage
Pays vet bills for dogs or cats injured in a crash (up to specificed limits).
Re-key coverage Icon
Re-key coverage
Pays for lock replacement if your keys are stolen.
Offers 12-month policies Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Auto-Owners available?

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