Ratings

Auto best-auto-company-ratings
Overall Rating info icon info icon
4.0 ratings
Claims Processing
4.0 ratings
Customer Service
4.0 ratings
Value for Price
3.5 ratings
Website and Apps
3.5 ratings
% Who Would Recommend to a Friend
83%
% Who Plan to Renew
96%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
A++

HOW WE WEIGH OUR SCORE

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
auto
Go to Auto-Owners site now to get a quote
money-fs
See How Much You Can Save!
Compare free quotes from companies near you
zip-pin Please enter valid zip
money-fs

Customer Complaint Ratio

info icon
( 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.

How likely to recommend?

  • 48%I would definitely recommend this company
  • 35%I would probably recommend this company
  • 14%Neutral
  • 2%I would probably not recommend this company
  • 1%I would not recommend this company

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
    • 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 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.

Other Companies to Consider: