Auto-Owners Auto Insurance Review [2021]

Auto-Owners Insurance is one of the largest car insurance companies in America, and our Auto-Owners Insurance review finds the company with an A++ financial rating from A.M. Best. Policyholders rank the company highly, and the company receives half of the complaints other insurance companies its size receive. Auto-Owners Insurance coverage may be the best option for you, but you should still compare auto insurance quotes online before calling an Auto-Owners Insurance agent. Just enter your ZIP code below to compare and guarantee that you won't overpay for car insurance no matter who you buy it from.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 7, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Auto-Owners is one of America’s largest car insurers. The Michigan-headquartered company offers auto, home, business, and life insurance coverage to customers across the United States. Today, the company employs more than 5,200 people across the country while earning over $6 billion of annual revenue.

What is the history of Auto-Owners car insurance?

Auto-Owners was founded by Vern Moulton in 1916 in Mount Pleasant, Michigan. In 1976, the company moved to Delta Township, Michigan, which is where the company continues to be headquartered today.

For the first 20 years of its history, the company wrote policies exclusively in Michigan. In 1935, the company expanded to Indiana.

Today, they offer policies across 26 states – but not the entire country. The insurer currently serves customers in 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.

Auto-Owners now earns over $6 billion per year. The company is on the Fortune 500 list, listed in the #375 position as of 2018. From a corporate standpoint, Auto-Owners is comprised of one insurer that provides life, health, and annuities and five property and casualty companies.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

What are the company rankings?

Auto-Owners is generally a well-regarded insurer. Customers praise the company’s customer service. Since Auto-Owners Insurance is not one of America’s largest car insurers, the company isn’t ranked by J.D. Power.

Auto-Owners is, however, ranked by A.M. Best, a financial analysis company that analyzes the financial strength of companies. A.M. Best has awarded the insurer its highest rating since 1972, giving the company an “A++” or “Superior” rating. That indicates it has solid financial stability. Few other car insurers score an A++. Most companies score an A-, A, or A+ rating – so the company’s financial security is a considerable strength.

We also appreciate that it has received far fewer complaints than competing insurers. Few other companies receive as few complaints. The company has an NAIC score of 0.58 compared to the industry average of 1.0, which means the company receives roughly half the number of complaints.

What makes Auto-Owners unique?

Auto-Owners has several policies and products that make it unique, including:

Only Available in Some States: Coverage is available in about half of all states in America. Generally, in states where it’s available, the company is one of the highest-rated options.

Strong Financial Position: Few other insurers have an A++ rating from A.M. Best. That’s the company’s highest rating, and it indicates that Auto-Owners is in a great position of financial strength. The insurer has maintained this ranking since 1972.

Must Buy From Individual Agents: Auto-Owners Insurance sells car insurance through independent agents. You cannot buy coverage directly from the company. For some, this means they enjoy a good relationship with their agent.

Local Relationships: You not only have to buy Auto-Owners products from an individual agent, but that agent is always based in your local area, giving Auto-Owners a more local experience than many other car insurers.

Competitive Rates: The company is known for its competitive annual premiums. It may not always appear on comparison websites, but the company offers a good combination of value and customer service.

Strong Claims Satisfaction: It has some of the best claims satisfaction ratings in the industry, earning great marks from Auto Owners customers regarding how they handle claims.

Is Auto-Owners a good insurer?

Auto-Owners Insurance is one of the better-rated car insurers in the United States. Although it’s only available in roughly half the country, Auto-Owners is known for its personalized service, great-value insurance rates, and strong claims satisfaction.

There are two big indicators that Auto-Owners Insurance Company is a good insurance company. First, the company has an NAIC score of 0.58 compared to 1.0, indicating that the company received about half the number of complaints as insurance companies of a similar size. Second, the company has an A++ rating from A.M. Best, which is the highest possible rating available from the company. That indicates the company should have no issue covering any of its liabilities.

Some people appreciate the fact that Auto-Owners works mostly through its agents instead of through online dashboards or overseas call centers. Many of your interactions with the company will be through this locally-based agent. Some people like that personalized service, while others appreciate a more online approach.

Overall, Auto-Owners Insurance has positive customer reviews from policyholders. Industry powerhouses like J.D. Power do not rank it, but customer satisfaction on claims is generally strong. It’s hard to find a company that offers a similar blend of value, customer service, and claims satisfaction.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

What are Auto-Owners policies and products?

Auto-Owners Insurance has several policies and products that make it unique, including:

Multiple Discounts: Auto-Owners offers discounts for having multiple policies, early payments, safety features, paperless billing, and teen drivers who sign up for GPS monitoring, among other features.

Optional Bonus Coverage: Auto-Owners lets you add a wide range of features to your car insurance policy, including coverage for lost or damaged cell phones, identity theft, personal property stolen from your car, damaged or stolen stereo equipment, legal expenses, lock rekeying, and more.

TrueRide Safe Driving App: Auto-Owners has a telematics driver tracking program called TrueRide. The safe driving app tracks your GPS driving data, then gives you a discount based on your safe driving behavior.

Change Policy Features with Agent: Any time you need to change your policy, you contact your agent. You do not make changes online. Some people like this individualized approach (and not going through an overseas call center), while others appreciate the convenience of changing a policy online.

What is our final word?

Auto-Owners is a unique insurance company available in 26 states. The company has some of the highest ratings for financial stability, claims satisfaction, and customer service. Auto-Owners is also unique in that you purchase policies from individual agents in your local area – you don’t shop for policies online. However,despite there being a middleman, Auto-Owners doesn’t have significantly higher costs than other companies. Overall, if you’re in one of the 26 states covered by Auto-Owners, then this is one of the best coverage options for you.

Leave a Reply

Your email address will not be published. Required fields are marked *

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption