Auto-Owners vs. American Family: Auto and home insurance bundling

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Auto-Owners and American Family are well-known insurers that are both good choices for auto and home bundles. However, there are a number of factors to consider before you decide which is right for you.

American Family comes out on top when comparing auto and home bundled rates, but Auto-Owners has a better financial rating and gets fewer complaints. Neither company is available in all states, but Auto-Owners covers more states.

Keep reading as we compare Auto-Owners and American Family rates and ratings to help you choose the right home and auto bundle.

Key Takeaways

American Family provides cheaper auto and home insurance bundle rates on average than Auto-Owners.
Auto-Owners home and auto insurance are available in more states than American Family.
American Family has a much higher percentage of satisfied customers in our survey.

Insure.com compares Auto-Owners vs. American Family for auto and home bundling

Auto-Owners and American Family are among the most prominent insurance companies in the U.S. Both companies offer similar coverages and discounts, but American Family provides cheaper auto and home insurance bundles.

Auto-Owners has a superior financial rating and fewer complaints than other companies of the same size. In addition, it offers coverage in more states than American Family. However, Auto-Owners doesn’t offer online quotes, which can make it more difficult to obtain a policy.

On the other hand, American Family has cheaper average rates and a much higher customer satisfaction rating than Auto-Owners. Additionally, you can get an American Family quote online. However, American Family has a lower financial rating and provides coverage in fewer states.

Insure.com rating comparison for Auto-Owners vs. American Family

The table below compares Auto-Owners and American Family. While there are many similarities, Auto-Owners has a superior financial rating compared to American Family’s excellent rating.

Overall, Insure.com gives Auto-Owners a 4.51 rating, and American Family has a slightly lower 4.24 rating. These ratings are based on our 2024 Best Home Insurance Companies ranking, which includes a customer survey and other rating factors.

Comparison metrics	Auto-Owners	American Family
Insure.com overall rating	4.51	4.24
Best for	Coverage in more states	Cheaper auto and home bundle
Customer satisfaction rating*	3.86	4.14
NAIC rating	0.33	0.37
AM Best rating	A++	A
State availability	AL, AZ, AR, CO, FL, GA, ID, IL, IN, IA, KS, KY, MI, MN, MO, NE, NC, OH, PA, SC, SD, TN, UT, VA, WI	AZ,CO, GA, ID, IL, IN, IA, KS, MN, MO, NE

*Based on a customer survey for the 2024 Best Insurance Companies study.

Auto-Owners vs. American Family: Pros and cons

When it comes to choosing an insurance company, it’s important to weigh the pros and cons. For example, Auto-Owners has a low customer complaint ratio, but you can’t get a quote online. On the other hand, American Family has higher average homeowners rates, but it does offer numerous discounts.

Auto-Owners	American Family
Pros:	Pros:
Superior financial ratings	Many available discounts
Low complaint ratio	Higher customer satisfaction rating
Cons:	Cons:
Available in fewer states	Not available in every state
No online quotes	Higher homeowners rates

Auto-Owners vs. American Family: Which has the most affordable rates?

American Family has the lowest average auto rates and the cheapest bundled home and auto rates. However, Auto-Owners has the lowest average homeowners rates and the lowest rates without a bundling discount. Make sure you compare rates for the deductibles you want on your policy.

“Deductibles are important to know as I’ve seen people purchase a home insurance policy where they’re told it’s a $1,000 deductible, but not making it clear that the deductible for wind and hail is 5% of the home value (5 figures),” says Zack Pope of David Pope Insurance.

Company	Avg annual auto premium	Avg annual home premium	Total without bundle	Total with bundle	% discount	$ savings
Auto-Owners	$1,789	$2,097	$3,887	$3,417	12%	$470
American Family	$1,677	$2,347	$4,025	$3,340	17%	$685

Auto-Owners vs. American Family: Auto and home bundle rates by state

Unfortunately, Auto-Owners and American Family don’t offer insurance in every state. However, American Family provides the highest bundling discount on average. Take a look at the table below to see if Auto-Owners or American Family provides coverage in your state and which has the cheaper rates.

State	American Family – Auto & home before discount	American Family – Auto & home after discount	American Family – % Saving	Auto-Owners- Auto & home before discount	Auto-Owners -Auto & home after discount	Auto-Owners -% Saving
Alaska	–	–	–	–	–	–
Alabama	–	–	–	$5,100	$4,481	12%
Arkansas	–	–	–	$6,743	$5,978	11%
Arizona	–	–	–	–	–	–
California	–	–	–	–	–	–
Colorado	$7,108	$6,146	14%	–	–	–
Connecticut	–	–	–	–	–	–
Washington, D.C.	–	–	–	–	–	–
Delaware	–	–	–	–	–	–
Florida	–	–	–	–	–	–
Georgia	–	–	–	$3,535	$3,022	14%
Hawaii	–	–	–	–	–	–
Iowa	$3,920	$3,193	19%	$3,378	$3,003	11%
Idaho	$2,383	$2,029	15%	–	–	–
Illinois	$4,389	$3,545	19%	$3,984	$3,381	15%
Indiana	$3,366	$2,747	18%	$5,019	$4,263	15%
Kansas	$4,975	$4,030	19%	–	–	–
Kentucky	–	–	–	$4,165	$3,701	11%
Louisiana	–	–	–	–	–	–
Massachusetts	–	–	–	–	–	–
Maryland	–	–	–	–	–	–
Maine	–	–	–	$1,590	$1,385	13%
Michigan	–	–	–	$4,074	$3,651	10%
Minnesota	$4,244	$3,551	16%	$3,652	$3,365	8%
Missouri	$5,273	$4,270	19%	–	–	–
Mississippi	–	–	–	–	–	–
Montana	–	–	–	–	–	–
North Carolina	–	–	–	–	–	–
North Dakota	$4,092	$3,244	21%	$4,651	$4,170	10%
Nebraska	–	–	–	–	–	–
New Hampshire	–	–	–	$2,443	$2,089	14%
New Jersey	–	–	–	–	–	–
New Mexico	–	–	–	–	–	–
Nevada	$4,137	$3,534	15%	–	–	–
New York	–	–	–	–	–	–
Ohio	$2,724	$2,296	16%	$2,949	$2,568	13%
Oklahoma	–	–	–	–	–	–
Oregon	$2,563	$2,158	16%	–	–	–
Pennsylvania	–	–	–	–	–	–
Rhode Island	–	–	–	–	–	–
South Carolina	–	–	–	$3,603	$3,140	13%
South Dakota	$5,382	$4,308	20%	$7,032	$6,309	10%
Tennessee	–	–	–	$3,691	$3,223	13%
Texas	–	–	–	–	–	–
Utah	$2,951	$2,643	10%	$3,171	$2,734	14%
Virginia	–	–	–	–	–	–
Vermont	–	–	–	$1,789	$1,553	13%
Washington	–	–	–	–	–	–
Wisconsin	$2,866	$2,400	16%	$3,279	$2,903	11%
West Virginia	–	–	–	–	–	–
Wyoming	–	–	–	–	–	–

*Rate data is not available for both home and auto in all states; however, where rates for either policy are available, they have been included for informational purposes.

Auto-Owners vs. American Family: Customer satisfaction

Based on Insure.com’s 2024 Best Insurance Companies survey, 87% of American Family’s customers are satisfied with the company, compared to 69% of Auto-Owners customers.

Company	Percentage of customers who are satisfied
Auto-Owners	69%
American Family	87%

Auto-Owners vs. American Family: Claims handling

It’s important to know how quickly and easily an insurance company will handle your claim. Auto-Owners and American Family have similar percentages of current customers who are satisfied with their claims experience. However, Auto-Owners has a slightly higher percentage in this area.

Company	Percentage of customers who are satisfied
Auto-Owners	75%
American Family	74%

How to choose the right insurance bundle for you

Finding the right bundle really comes down to what you need most. If you value convenience, bundling home and auto under one insurer can save you time by cutting down on paperwork and giving you a single point of contact for claims. If your top priority is saving money, look closely at the discount being offered and compare it to stand-alone policies — sometimes bundling saves a lot, and other times the savings aren’t as big as they sound.

It also helps to think about your long-term plans. If you expect to add another car, move, or buy a second property, a bundle could make those changes easier to manage. On the other hand, if you like to shop around every renewal, you’ll want to make sure a bundle doesn’t limit your flexibility.

Pros and cons of bundling home and auto insurance

Bundling comes with some clear upsides. You can often qualify for a solid discount, and managing your policies through one company makes life simpler. You might even get perks like a single deductible if the same event damages both your home and car.

But there are trade-offs to keep in mind. Bundling can sometimes lock you in with one insurer, even if their rates creep up over time. And while the discount is nice, it’s not guaranteed to be the lowest price available — splitting policies with two different insurers could still come out cheaper.

Bundling is worth considering, but it’s smart to compare bundled and separate quotes before you decide.

What to know before bundling home and auto insurance

Before you commit, take a close look at the details. Ask how much the bundle actually saves compared to buying policies separately, and check whether that discount lasts beyond the first year. It’s also worth asking about claim handling — some insurers make bundled claims smoother, while others keep the processes separate.

Don’t forget to review coverage itself. A bundle should still meet your needs for both home and auto, not just deliver a discount. If one policy looks weaker than what you could get elsewhere, the bundle may not be the better deal.

Auto-Owners vs. American Family auto and home bundles: The bottom line

There are many reasons to choose either Auto-Owners or American Family for your auto and home insurance needs.

Auto-Owners may be the best choice if you’re looking for a company with a strong financial rating and high claims handling satisfaction. Auto-Owners also provides coverage in more states than American Family.

However, American Family offers cheaper auto and home rates when bundled, and it has a much higher customer satisfaction rating. In addition, American Family offers online quotes, making it easier to switch companies.

Tonya Sisler