Auto-Owners home insurance ratings and review 2026

Auto-Owners ranks at No. 5 among regional carriers and 8th when included among all ranked companies, regional and national. Rates come in above average at $2,840 a year, but are similar to many competitors. Auto-Owners boasts an impressively low complaint volume.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

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.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: Auto-Owners home insurance

Auto-Owners is the No. 5 regional company in our 2026 Best Home Insurance Companies ranking. The addition of more regional carriers to this year’s ranking dropped it a few places, but Auto-Owners remains a top regional carrier.

  • At 0.392, Auto-Owners has the lowest NAIC complaint ratio (that’s the ratio of complaints to market share) of any regional carrier. Of all the companies we surveyed, only Amica had a lower score (0.370), which is impressive.
  • It’s noteworthy that, although it doesn’t quote or sell policies online, Auto-Owners had a high satisfaction rate for digital experience. That’s a sign of a company that holds to its values while acknowledging the needs of today’s customers.
  • On the claims satisfaction side, Auto-Owners’ score was below that of many competitors, ranking second from the bottom of the list. That’s an area where we’d like to see some improvement, as claims handling is vitally important.

Below is our review of Auto-Owners. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

5
Auto-Owners
4.18 Insure.com Score
Average Premium
$2,840
Customer Survey
NAIC
AM Best Rating
A+
Effective date:
Pros and cons
Pros:
  • Highly rated for digital experience: Although policies aren’t sold online, most services are available through the web and app
  • Very low complaint ratio: At 0.392, Auto-Owners’ ratio of complaints to market share is very low
  • Solid financial stability score: An A+ AM Best score indicates a good ability to pay claims
Cons:
  • No online quoting: You can’t quote or buy any Auto-Owners policies online
  • Higher-than-average rates: The average cost of a home insurance policy is above the national average and above many competitors
  • Low claims handling score: Auto-Owners’ customers rated the company below all but one of its competitors for claims satisfaction

Who should buy Auto-Owners home insurance?

Auto-Owners is a good choice for you if:

  • You prefer to work with an independent agent and don’t mind not being able to get quotes online
  • You want a great digital experience in addition to the personal service of an agent
  • You look for a company with a low overall complaint volume

It might not be the best choice if:

  • The lowest rates are your primary concern
  • You want to be able to quote and buy online
  • You want a company with the best possible claims satisfaction

Auto-Owners home insurance cost: Coverage and competitor comparison

At $2,840 a year, Auto-Owners has the highest average rates among regional carriers in our ranking, but is still only a few hundred dollars above the national average of $2,543.

  • Auto-Owners’ rates are similar to those offered by American Family ($2,759) and Erie ($2,783), as well as national carriers like Farmers ($2,820)
  • Although all AAA-branded insurers had lower rates, only Auto Club Group competes in Auto-Owners’ main coverage area; its rates are about $1,000 less a year at $1,888
  • Auto-Owners customers in the survey reported a 36% satisfaction rate with fair rate increases over time. The higher rates may be reflected in that result.

Compare Auto-Owners’ rates with those of its competitors at various coverage levels below to see how its rates might compare for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Auto-Owners scores for customer satisfaction, ease of service, policy offerings and claims

Auto-Owners had average scores in three of the main survey categories. Customer satisfaction was in the average range at 82%, as well as ease of service (84%) and policy offerings (80%). 

But it struggled in the area of claims handling. At 62%, Auto-Owners’ satisfaction rate in this area was well below most competitors.

Erie, tied with American Family and Nationwide, had the top score of 84% for claims handling.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Auto-Owners82%84%80%62%
Auto Club Group86% 92% 80% 81% 
Erie93%92%93%84%
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How Auto-Owners scores on customer recommendations, trust and renewals

Auto-Owners’ scores were solid across the board in the three main categories that measure customer sentiment and loyalty towards their insurance company:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

A strong 92% of customers plan to renew with Auto-Owners, and 88% said they trust the company. Those scores are similar to those of major competitor American Family, but Erie came in higher.

At 87%, most customers would recommend Auto-Owners to others.

CompanyRecommendedTrustworthinessRenewals
Auto-Owners87%88%92%
American Family84% 87% 92% 
Erie92%98%93%
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How Auto-Owners scores for digital experience, auto/home bundling and discounts

Auto-Owners performed better than many competitors for the digital experience at 84%, a noteworthy result for a company that doesn’t offer online quoting. However, it generally underperformed its competitors in terms of auto/home bundling (76%) and discounts (50%).

The low rating for discounts, at 50%, is also notable, given that the company offers several unusual ones, such as discounts for having a backup generator or for having no mortgage loan. This might reflect the fact that fewer people qualify for those discounts.

The table below shows the percentage of customers who reported being satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Auto-Owners84%76%50%
Auto Club Group77%93%72%
American Family78%84%62%
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Types of home insurance offered by Auto-Owners

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Landlord: Coverage for a rental property
  • Mobile home: Coverage for mobile/manufactured homes
  • Flood: Sold through the NFIP Write-Your-Own program

Auto-Owners home insurance discounts

  • Multi-policy: Discounts for having additional policies with Auto-Owners, including life insurance
  • Payment history: On-time payments for the past 36 months earn you a discount
  • Green discount: for paperless billing and policy documents
  • Protective devices: Discounts for smoke detectors, deadbolts and fire extinguishers
  • Automatic backup generator: For a qualifying backup generator
  • Paid-in-full: Pay your premium up front for the year
  • Advance quote: A discount for new applicants who request a quote ahead of the effective date
  • Water shut-off: For an automatic water shut-off system that detects leaks
  • Mortgage-free: Discounts for homeowners without a loan
  • Favorable loss history: For homeowners with a favorable claims history
  • Hurricane/wind mitigation (Florida, North Carolina and South Carolina only): Discounts for features that protect the home from major storms

States where Auto-Owners offers coverage

Graph
Table

States where Auto-Owners offers coverage
Alabama
Arizona
Arkansas
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
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Select state


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Auto-Owners at a glance

Auto-Owners

Tenth-largest homeowners insurance company by market share, with $3,435,230,105 in direct premiums written according to the 2024 NAIC Market Share Report

Policies are sold only through independent agents; Auto-Owners doesn’t quote or sell insurance online.

Coverage is available in 26 states.

Contact Auto-Owners at www.auto-owners.com or 800-346-0346.

Resources and Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Erie Insurance. “Homeowners insurance discounts” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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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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