Auto-Owners is the No. 2 regional home insurance company in Insure.com’s 2025 Best Insurance Companies survey, with low rates and high scores for ease of service.
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.
John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology.
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Auto-Owners is among the best regional companies for 2025. Had it been ranked alongside national companies, it would have landed at No. 4 among the Best Home Insurance Companies. Customers scored the company well for ease of service and policy offerings, and it has a low complaint ratio.
Bucking the trend toward all-digital service, Auto-Owners doesn’t offer quotes online and stands behind its decision to quote home insurance only through agents. That’s a downside for those who prefer to shop for insurance without having to speak to anyone directly.
However, Auto-Owners has developed a solid reputation and has an A+ rating with AM Best. For those who like personal service, it’s a good pick.
AM 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.
Below is our review of Auto-Owners. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.
The average home insurance rate is $2,604; Auto-Owners is well below that, although Allstate has lower rates.
When asked about overall satisfaction with customer service, 84.6% of Auto-Owners customers said they were satisfied. Amica won this category at 96.2%.
Auto-Owners fared about the same in J.D. Power’s 2025 Home Insurance Study, which rates companies for overall customer satisfaction. Auto-Owners scored 634, a little below the 640 average.
Auto-Owners scored highly in this category, with 87.2% of customers polled saying they were satisfied. This was third place in the ranking of all carriers surveyed, which was topped by Nationwide.
Auto-Owners scored well in this category. The survey found that 89.2% of customers found Auto-Owners easy to deal with. Erie, another regional carrier, led this category among all ranked companies, with 100% of its customers saying they were satisfied.
Auto-Owners isn’t the most recommended company for home insurance of those surveyed, but 72.5% said they would recommend it to others. Many competitors scored better in this category, which was led by Erie. However, if ranked, USAA would have won this category at 95.9%.
Auto-Owners received a good score for trustworthiness compared to other ranked carriers, with 82.5% of customers saying they trust their insurance company. Safeco led this category, with 95.7% of its customers saying they trust it.
Of the Auto-Owners customers surveyed 90% plan to renew their home insurance with the company. That’s a solid score, and most companies performed well here. Safeco was the category leader with a perfect score of 100%.
Auto-Owners customers are mostly satisfied with the claims experience, with 75.9% saying they were pleased. That’s a slightly lower score than some other companies on our list. Category winner Erie led the pack with 100%, while Amica came in second at 95.7%.
J.D. Power gives Auto-Owners a rating of 869 out of 1,000 for claims satisfaction, rating it in line with the average on the Property Claims Satisfaction survey for 2024.
In the survey, 80% of Auto-Owners customers reported satisfaction with the digital experience. This was lower than many companies, but not surprising, given Auto-Owners’ commitment to using independent agents and not offering online quoting.
Ratings for the Auto-Owners app are in line; it has a 3.5 rating in the Google play store and 2.9 in the Apple store.
Auto-Owners bundling discount is on the lower side at 12%, although lower base rates might mean lower rates overall. Among those polled, 71.9% of Auto-Owners customers are happy with its auto and home bundling.
In the survey, 64.1% of Auto-Owners customers said they were satisfied with the carrier’s discounts. This score puts it in the middle of the companies in our survey. Amica won this category at 84.6%. Only one other carrier, Nationwide, broke 80%.
Auto-Owners Insurance Group was founded in 1916 and has its headquarters in Lansing, MI. It sells auto, home, life insurance and more through a network of 48,000 independent agents. The company has more than 4,700 employees. It’s a Fortune 500 company that is dedicated to selling insurance solely through agents, as it has for over 100 years.
Sources:
Auto-Owners. “Homeowners“ Accessed March 2025.
Auto-Owners. “History“ Accessed March 2025.
J.D. Power. “2024 U.S. Home Insurance Study.“ Accessed March 2025.
J.D. Power. “2024 U.S. Property Claims Satisfaction Study.“ Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their home insurer and then grade it in the following categories:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.