Name: Auto-Owners Review
Item: Auto-Owners
Rating: 4.00
Author: Penny Gusner

Ratings

Auto

Overall Rating

Claims Processing

Customer Service

Value for Price

Website and Apps

% Who Would Recommend to a Friend

% Who Plan to Renew

96%

AM Best Financial Strength Ratings

July 01, 2021

A++

HOW WE WEIGH OUR SCORE

Price35%
Customer service25%
Claims20%
Website and app10%
Renew/Recommend10%

WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Reasons for Buying

Customers of Auto-Owners originally decided to purchase from the company for these reasons:

33% Offered best price
26% Recommended by friend or family member
18% Reputation
7% I had other insurance with this company
6% Saw TV commercial
5% Saw online ad
3% Financial strength rating
1% The company website and mobile apps are easy to use and helpful
1% Was the company my parents had

Go to Auto-Owners site now to get a quote

Customer Complaint Ratio

( Auto-Owners’s customer complaint ratio for Private Passenger Auto insurance is 0.42 )

0.42

0 1 3 10+

Lower number is better

0 to 1.00

1.01 to 3.00

3.01 and above

Best auto insurance companies 2021: Auto-Owners

Simple human sense

How Auto-Owners stacks up: Best car insurance for customer happiness

Auto-Owners car insurance has a lot of happy customers, earning them the title of Best Car Insurance for Customer Happiness in our 2021 annual Best Car Insurance Companies review.

Auto-Owners secured four-star InsureScore ratings for claims handling and customer service, two areas that strongly influence overall customer happiness. It was no surprise that 96% of customers said they planned to renew their policies with Auto-Owners. Customers reported that the company is people-oriented with a focus on the customer’s needs.

Another factor in customer happiness is their special offerings that are not quite as common among other providers. Customers enjoy these special benefits at times when they mean the most, like cell phone replacement, re-keying locks and the waiving of the collision deductible if you’re in an accident with another car insured by them.

Would you renew?

96% Yes

4% No

Ratings on Website & Apps

Completely satisfied / Outstanding website & apps that give me what I need and more 37%
Fairly satisfied / Fulfills my needs OK 26%
Average website and apps 24%
Very unsatisfied / digital offering is severely lacking 7%
Unsatisfied / website and/or apps are not fulfilling my needs 3%

How do you prefer to deal with insurer and policy?

Phone 40%
In person 37%
Interactive website 11%
Email 9%
Mobile App 3%

Types Of Coverages Offered

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

Discounts Offered

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

Additional coverages offered

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

In which states Auto-Owners is available?

States in which Auto-Owners is available
Alabama
Arkansas
Arizona
Colorado
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Michigan
Minnesota
Missouri
Nebraska
North Carolina
North Dakota
Ohio
Pennsylvania
South Carolina
South Dakota
Tennessee
Utah
Virginia
Wisconsin

About Auto-Owners Auto Insurance

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

Coverage Options

Accident forgiveness

Your rates won't increase after your first accident.

New car replacement

If you total your car the insurer will pay for a new car.

Pet injury coverage

Pays vet bills for dogs or cats injured in a crash (up to specificed limits).

Re-key coverage

Pays for lock replacement if your keys are stolen.

Offers 12-month policies

Your policy term can be one year before the next renewal.

Mobile app

The insurer offers an app for smartphones.

Discounts

Multi-policy

Discount for more than one type of policy with the same insurance provider.

Multi-vehicle

Discount for two or more vehicles on the same car insurance policy.

Academic achievement

Discount for full-time students who meet certain academic criteria.

Safe driver/clean driving record/good driver

Discount for no accidents or traffic violations, usually for three or five years.

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

"Not good"

-Age 20, Virginia

"I don't care for them."

-Age 21, Florida

"I don't have that much experience, my parents mostly deal with it"

-Age 22, Michigan

"Good company"

-Age 24, South Carolina

"I've never had any problems"

-Age 30, Michigan

"I really haven't had to use them"

-Age 32, Georgia

"Slightly increase the value of insurance policies but still a good value."

-Age 34, Florida

"I would say that if the price is good for you, you should do it since everything is pretty neutral"

-Age 35, Georgia

"My experience is very good"

-Age 35, Ohio

"I have not experienced them too much."

-Age 35, Florida

"Best company I've had for auto insurance"

-Age 36, Ohio

"Good company"

-Age 36, Florida

"Best car insurance company I've had so far."

-Age 38, Ohio

"Good service."

-Age 38, Florida

"They have been good to me"

-Age 39, Michigan

"Great coverage"

-Age 40, Michigan

"Good company"

-Age 40, North Carolina

"My insurance company is very honest at their work and they deserve more clients"

-Age 40, Florida

"Easy billing and local agent"

-Age 41, Indiana

"Great company"

-Age 41, Ohio

"This company is very nice"

-Age 41, Virginia

"Excellent company "

-Age 42, Virginia

"They are second to none."

-Age 42, Florida

"Very good company."

-Age 42, Florida

"I have the best agents around and customers service is very polite when dealing with a claim."

-Age 43, Kentucky

"My experience with my auto insurance company was pretty average. It wasn't great, but not bad either. There are more expensive companies out there."

-Age 46, Illinois

"I have good insurance"

-Age 46, Michigan

"That the claims service and price were great"

-Age 46, Michigan

"They paid an above amount for a non fault accident"

-Age 49, Georgia

"They're easy to deal with"

-Age 52, North Carolina

"The company is very people oriented, with concern for the customer's needs. If discounts are available, you will be informed and any savings will be offered to you. "

-Age 55, Georgia

"Very good price and fast service."

-Age 56, Michigan

"The absolute cheapest policy I've ever had for liability."

-Age 58, Arkansas

"That they give me good service for an average price"

-Age 60, Nebraska

"I appreciate the agent taking time with me to go over the policy and explain what I had in the old company and what the new company offered."

-Age 60, Virginia

"Haven't had a claim experience; price goes up without any reason."

-Age 61, Georgia

"Average"

-Age 61, Ohio

"The rates are good, the billing process is very easy."

-Age 62, Missouri

"Quick response to inquiries and claims handling"

-Age 63, Georgia

"Very easy to talk to. Good rates. Good coverage"

-Age 63, Georgia

"Has good rate and is easy to work with"

-Age 63, Nebraska

"They keep prices lower by avoiding covering high risk drivers"

-Age 63, Tennessee

"Very friendly"

-Age 63, Tennessee

"Prices are inline with others around our area, the agency has been here for quite awhile, and the insurance company has been around for quite awhile as well."

-Age 63, Florida

"pays claims fast"

-Age 64, Indiana

"They took care of us"

-Age 66, Indiana

"Local business, good reputation, quality setvice"

-Age 66, Michigan

"They are fair in handling claims"

-Age 66, Michigan

"They will answer all your questions you have. Also they are very easy to work with when filing a claim."

-Age 66, Michigan

"They jack your rate up every year just like the rest of the auto insurance companies even with out turning in any claims, but they aren't as bad as some at raising the price like American Family does. They're all crooks."

-Age 66, Missouri

"I do not care where they spend their money as long as they give me a good price."

-Age 67, Michigan

"It has been great"

-Age 67, Tennessee

"I don't like to recommend insurance companies but this one is pretty good if you are looking around."

-Age 67, Florida

"Easy. Quick. Good customer service"

-Age 67, Florida

"If you want an agent you can talk to in person this is the place for you. He offers small town service at an affordable cost. He is usually in the office so easy to talk in person."

-Age 68, Illinois

"They've been in business 47 years and are rated one of the top 25 companies"

-Age 68, Illinois

"Good benefits and easy claims process for the price."

-Age 68, South Carolina

"It is a good company. They process claims fairly quickly. However seems like the cost keeps going up each time I get a statement."

-Age 68, Tennessee

"They have good rates"

-Age 68, Florida

"Great personel customer service"

-Age 69, Florida

"Our agent has be great to work with."

-Age 69, Kansas

"Good customer service and very knowledgeable reps"

-Age 69, Michigan

"Good products good price great customer service"

-Age 69, Michigan

"I am a long time customer and never had any problems"

-Age 69, Michigan

"You have to have insurance but why does it have to cost so much."

-Age 70, Florida

"Average company"

-Age 70, Michigan

"it is an okay company"

-Age 70, Michigan

"Affordable and they bundle"

-Age 70, Minnesota

"I have had no negative issues with them"

-Age 70, Minnesota

"I would say we are happy and get a discount if we pay in full"

-Age 70, Minnesota

"They are fair and claims are fine quickly, customer service is excellent"

-Age 70, Minnesota

"I've never had any issues with them."

-Age 70, Wisconsin

"Always there when you need them."

-Age 71, Florida

"Auto-Owners is great. Good rates, great customer service."

-Age 71, North Carolina

"They are a good value."

-Age 72, Michigan

"Good service and price"

-Age 72, Ohio

"Good customer service."

-Age 73, Florida

"Great customer service, convenient location, great prices, no membership fee"

-Age 73, Tennessee

"We have been very pleased. Not only is the agent only a couple of miles away, the office is friendly and very knowledgeable."

-Age 73, Arizona

"I told my son to look into it as it's location is great for him plus we've been happy with them. Because of the location you have opportunity to talk to them in person and about discounts and the right coverage."

-Age 74, Illinois

"They offer plans with a reasonable rate"

-Age 74, Kentucky

"Easy to work with, good price"

-Age 74, Michigan

"I would tell them to ask about their discounts and prices to compare with those items at other insurance companies. They didn't offer discounts when I signed up years ago and I'm not sure I'm getting the ones I'm entitled to"

-Age 74, Michigan

"They have the coverage I need and answer all questions I have asked."

-Age 74, Michigan

"Auto Owners is fair and the agent is very responsive to my needs. Agent responds quickly to any questions or concerns."

-Age 74, Nebraska

"They have good service."

-Age 75, Kentucky

"We've had no problems with them. And the agent is very helpful."

-Age 76, Wisconsin

"Nothing much to say they are good for what I need."

-Age 77, Indiana

"Nothing much to say about them."

-Age 79, Florida

"Been a satisfied customer for over 16 years."

-Age 80, Arizona

"I am very pleased with the experience I have had during my insurance thus far but I have only been insured by them since March of this year."

-Age 81, Iowa

"I'm really not sure I haven't really had any experience with them"

-Age 83, Tennessee

"Very acceptable experiences"

-Age 85, Illinois

"Any claims I have had have been quickly and fairly. Never have any trouble. They are always available to answer any questions I have had."

-Age 88, Michigan

"No idea how they are so good, but they are."

-Age 89, Kentucky

Other Companies to Consider:

Auto-Owners Auto Insurance Reviews And Ratings

Ratings

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

Reasons for Buying

Customer Complaint Ratio

Best auto insurance companies 2021: Auto-Owners

How Auto-Owners stacks up: Best car insurance for customer happiness

How likely to recommend?

Would you renew?

Ratings on Website & Apps

How do you prefer to deal with insurer and policy?

Types Of Coverages Offered

Discounts Offered

Additional coverages offered

In which states Auto-Owners is available?

About Auto-Owners Auto Insurance

Contact Auto-Owners

Other Companies to Consider: