Auto-Owners Insurance Company is represented by approximately 37,000 agents in more than 6,200 agencies across 26 states. They're a mutual insurance company - which means they're owned by their policyholders - and a good one, too. Check out our review of their policy and quotes comparison below for more information on Auto-Owners.
- Compare Quotes from Auto-Owners
- Review of Auto-Owners Car Insurance
- Insurer Ratings
- Discounts Provided by Auto-Owners
Here are two sample Auto-Owners premiums compared with similar plans at GEICO and Allstate:
|Driver Profile||Auto-Owners||Esurance||Liberty Mutual|
|30 year old single male||$696||$652||$540|
|45 year old married couple||$612||$584||$528|
|Get an Auto-Owners Quote||Get an Esurance Quote||Get a Liberty Mutual Quote|
*Quotes were obtained for drivers in Madison, WI
While these rate levels are low overall, the quotes we obtained for Auto-Owners tended towards the higher end of the range compared to major insurers like Esurance and Liberty Mutual. Among the three insurers, Liberty Mutual comes ahead as the cheapest insurer, cheaper than Auto-Owners's quotes by about 18% overall for our demographics sampled. Your rates will differ somewhat based on where you live and what your background is. To see a list of cheap insurers in your neighborhood, enter your zip code and click through for quotes.
Find the Cheapest Auto Insurance Quotes in Your Area
Auto-Owners provides auto insurance in a large swath of the United States, and covers a number of midwestern and southeastern states. The company calls themselves the "No Problem" People, and aims to make the customer experience a quick, simple, and painless one. They have over 6,300 agencies on the ground in 26 states marketing auto insurance policy with all the standard liability coverage. One unique aspect of their standard auto insurance coverage is pet medical coverage, which insures veterinary expenses up to $750 per pet or $1,500 per loss for injuries sustained in an insured accident or event.
Unique Bells & Whistles from Auto-Owners' Car Insurance
Policyholders can also enhance their coverage with the Personal Automobile Plus Package. This package provides higher benefit limits for trip interruption coverage, increased transportation cost coverage (if the insured vehicle is disabled), or loss of use by theft coverage. It's also trailer-friendly, with at least two features that look out for policyholders' attached vehicles. Among the other bells and whistles which aren't commonly provided by other insurance companies:
- Device coverage: reimbursements up to $500 for cell phones, GPS systems, or two-way communication devices in a covered theft incident
- Identity Theft protection: should a covered event result in identity theft, Auto-Owners will pay up to $10,000 for expenses related to restoring the policyholder's identity
- Stereo & Media coverage: if the stereo and video devices in an insured vehicle are stolen, damages up to $1,000 are covered by the Personal Automobile Plus Package
A summary of the Pros & Cons for Auto-Owners:
|Good enhancement options from Auto-Owners Personal Automobile Plus Package||No national coverage - Auto-Owners only underwrites in 26 states|
|Customers satisfied with service and claims handling from Auto-Owners|
Auto-Owners Auto Insurance won best auto insurer in the North Central United States according to the 2013 JD Power & Associates Auto Insurance Study. The survey looked at overall customer satisfaction across a number of different metrics. The company was recognized as the best car insurance company in the North Central Region and the 2nd best auto insurer in the Central Region. In the North Central, Auto-Owners edged out second place finisher State Farm and third place finisher Erie Insurance. In the Central Region, they finished behind State Farm and just ahead of Shelter Insurance. This is reflected in customer reviews as well, with people reporting that Auto-Owners insurance quotes are cheap, and their representatives and agents are reasonable to deal with.
|AM Best Financial Strength Rating (2013)||A++|
|S&P Issuer Credit Rating||AA|
|NAIC Complaint Index (2012)||0.88 (Better than Average)|
|Better Business Bureau||A+|
This table below lists the discounts we were able to find for Auto-Owners insurance, along with their estimated savings. Be sure to ask your agent to check if you're eligible for any of them.
|Premium Paid-in Full||5 - 11%|
|Good Student Discount (B or higher)||Up to 20%|
|Student Away at School||Up to 25%|
|Airbags||Up to 20 - 35%|
|Anti-Lock Brake||5% off Bodily Injury, Property Damage, and Collision|
|Anti-Theft Device||10% off of Collision|
How to File a Claim with Auto-Owners
To report an auto insurance claim with Auto-Owners, drivers can contact their local independent agent, or one of these two numbers
- Mondays through Fridays, 8am ET - 4:30pm ET: Telephone Number: (517) 323-1200
- 24 hours a day on Weekends and Holidays, and 4:30pm ET - 8am ET: Telephone Number: (888) Claim-AO / in numeric form: (888) 252-4626
About Auto-Owners Insurance
Auto-Owners Insurance is amongst the 500 largest companies in the United States. Auto-Owners Insurance was originally founded in 1916 by a man named Vern Moulton in Mt. Pleasant, MI. Until 1940, Auto-Owners Insurance only underwrote auto insurance policies before expanding into general casualty. Today they offer a full suite of insurance products designed to fit all of your insurance needs. Auto-Owners Insurance is a mutual company owned by its policyholders, with over 6,300 independent agencies in more than 26 states across the country. The states where they provide coverage are: 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, and Wisconsin.
Company website: www.auto-owners.com