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Allied vs. Auto Owners Insurance
Which insurance provider is right for you? Compare premiums, ratings and quotes from Allied and Auto Owners.
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- Allied vs Auto-Owners Insurance Co
Allied vs. Auto-Owners: What You Need to Know
Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers now feature the Nationwide name and logo.
Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana. In 1951, the company opened the doors to its new four-story home in downtown Lansing and 400 associates moved in. In 1966 the company established Auto-Owners Life Insurance Company. In 1976, the company moved into its current home in Lansing. Auto-Owners Insurance celebrated its 100th anniversary. In 2017, Auto-Owners began its affiliation with Concord General Mutual Insurance group. Today, Auto-Owners Insurance writes policies in 26 states and has more than 4,700 employees. The company has been a member of the Fortune 500 since 2002. In 2018, Auto-Owners Insurance was listed at number 375.
Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Allied Overview and Auto-Owners Insurance Co Overview.
Allied vs. Auto-Owners Insurance Co: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Allied and Auto-Owners Insurance Co. On average, Allied charges approximately $222.89 per month while Auto-Owners Insurance Co comes in at around $127.85 per month. For Allied, the cheapest state average is North Carolina at $124.62 per month and the most expensive is Nevada at $403.15 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $79.21 per month and the most expensive is Colorado at $187.39 per month.
Average Rate
Average Rate
Average Rate
| State | Allied | Auto-Owners Insurance Co |
|---|---|---|
| Alabama | - | $154.99 |
| Arizona | $174.30 | - |
| Arkansas | - | $159.61 |
| California | $240.11 | - |
| Colorado | - | $187.39 |
| Florida | $250.17 | - |
| Georgia | - | $114.60 |
| Illinois | - | $101.59 |
| Indiana | $156.29 | $109.67 |
| Iowa | $157.88 | $118.36 |
| Kansas | $159.81 | $152.50 |
| Michigan | $310.68 | $138.36 |
| Minnesota | $223.97 | $129.23 |
| Missouri | $165.47 | $152.42 |
| Nebraska | $194.54 | $145.21 |
| Nevada | $403.15 | - |
| North Carolina | $124.62 | - |
| Ohio | - | $79.21 |
| Pennsylvania | $155.01 | $147.90 |
| South Carolina | - | $100.89 |
| South Dakota | $218.71 | $156.04 |
| Tennessee | $177.81 | $100.89 |
| Utah | - | $130.89 |
| Virginia | $146.24 | $99.50 |
| Washington | $142.69 | - |
| Wisconsin | - | $104.92 |
Allied vs. Auto-Owners Insurance Co: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Allied and Auto-Owners Insurance Co typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Allied | Auto-Owners Insurance Co |
|---|---|---|
| 1 Vehicle | $205.16 | $120.08 |
| 2 Vehicles | $314.74 | $178.55 |
Allied vs. Auto-Owners Insurance Co: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Allied charges $236.63 per month and Auto-Owners Insurance Co charges $137.54 per month for customers who own their home.
| Own/Rent | Allied | Auto-Owners Insurance Co |
|---|---|---|
| Own | $236.63 | $137.54 |
| Rent | $217.94 | $124.72 |
What Are Allied and Auto-Owners Insurance's Ratings?
Both Allied and Auto-Owners score well according to several industry metrics. Both Companies have received an A+ from the BBB and have received an excellent rating for their financial strength. Compare the two companies in full detail below.
| Comparison | Allied | Auto-Owners |
|---|---|---|
| Year Founded | 1925 | 1916 |
| Market Share | 2.7% | 0.24% |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | Better Than Most |
| Moody’s Rating | A1 | |
| NAIC Complaint Index | 0.38 | 0.77 |
| S&P Rating | A+ | AA |
Allied or Auto Owners: Insurance Products Offered
Allied and Auto Owners both offer a wide range of insurance products for their customers. Both offer Auto, Boat, Business, and Condo insurance among other products. See the full list of insurance below and compare the two insurance companies side by side.
| Insurance | Allied | Auto Owners |
|---|---|---|
| Annuities | ✔ | ✔ |
| ATV & Off-Road Vehicle Insurance | ✔ | ✔ |
| Boat Insurance | ✔ | ✔ |
| Bonds Insurance | ✔ | ✔ |
| Business Insurance | ✔ | ✔ |
| Car Insurance | ✔ | ✔ |
| Commercial Auto Insurance | ✔ | ✔ |
| Commercial Umbrella Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Disability Income Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | ✔ |
| Flood Insurance | ✔ | ✔ |
| Homeowners Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Long-Term Care Insurance | ✔ | ✔ |
| Loss Control Insurance | ✔ | ✔ |
| Mobile Home Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Motorhome Insurance | ✔ | ✔ |
| Pet Insurance | ✔ | ✔ |
| Property & Valuables Insurance | ✔ | ✔ |
| Rental Dwelling Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
| Term Life Insurance | ✔ | ✔ |
| Trailer Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ | ✔ |
| Universal Life Insurance | ✔ | ✔ |
| Whole Life Insurance | ✔ | ✔ |
| Workers Compensation Insurance | ✔ | ✔ |
Allied or Auto Owners: Ways to Save
Drivers can save hundreds if they chose an insurance carrier that offers great discounts. Both Allied and Auto Owners offer numerous opportunities to save money on car insurance. The full list of discounts available by each company is listed here.
| Allied | Auto Owners |
|---|---|
| Accident Forgiveness | Advance Quote Discount |
| Accident-free Discount | Favorable Loss History |
| Advance Quote Discount | Good Student Discount |
| Affinity Car Insurance Discounts | Green Discount |
| Allied Rewards | Life Multi-policy Discount |
| Anti-theft Discount | Multi-car Discount |
| Defensive Driving Discount | Multi-policy Discount |
| Easy Pay Discount | Paid-in-full Discount |
| Farm Bureau Discount | Payment History |
| Good Student Discount | Safety Features Discounts |
| Long-term Policyholder Discount | Student Away at School Discount |
| Minor Violation Forgiveness | Teen Driver Monitoring Discount |
| Multi-policy Discounts | |
| Nationwide Family Plan | |
| New Vehicle | |
| Paperless Documents | |
| Passive Occupant Restraint Discount | |
| SmartRide Discount |
Pros & Cons of Allied & Auto Owners
Pros
Allied
- Up to 20% off when you bundle home, auto, life, and other policies.
- Minor violation forgiveness.
- Accident Forgiveness.
- Vanishing deductible.
Auto Owners
- Several options for discounts for teen drivers.
- Common loss deductible and multi-policy discounts allow clients to save money if they insure home and auto with Auto-Owners Insurance.
Cons
Allied
- High rates for people with an imperfect driving history.
- Credit check in most states.
Auto Owners
- Auto-Owners Insurance only serves 26 states.
- No rideshare insurance.
Allied or Auto Owners Mobile Apps Options
The Allied Mobile App is the Nationwide Mobile App for Android, iPhone and iPad. This app lets you access accounts using a fingerprint and facial login to a dashboard. You make payments, manage payment methods and save or share ID cards with drivers on your policy. You can also file a claim and check on its status. The app comes fully equipped to connect with roadside assistance too.
The Auto-Owners Insurance mobile app is available for iOS and android. This insurance concierge gives you access to your policy 24/7. You can pay your bills, set up and manage automatic payments and check on the status of a claim.
| Allied Mobile App | ||
|---|---|---|
| iOS | 3.6 | 2,922 user reviews |
| Android | 4.3 | 1.4K user reviews |
| Auto Owners Mobile App | ||
|---|---|---|
| iOS | 3.3 | 34 user reviews |
| Android | 4.3 | 53 user reviews |
Allied & Auto Owners Contact Info
| Allied Contact Info | |
|---|---|
| Address | 1100 Locust Street, Des Moines, IA 50391-1100 |
| Phone | 1 (800) 532-1436 |
| Website | https://www.nationwide.com/ |
| https://www.facebook.com/alliedmv/ | |
| Youtube | https://www.youtube.com/channel/UCALr2Y8vRVb115Dbn-UM4WQ |
| https://twitter.com/alliedmv?lang=en | |
| Auto Owners Contact Info | |
|---|---|
| Address | 6101 Anacapri Blvd., Lansing, MI, 48917 |
| Phone | 1-517-323-1200 |
| Website | https://www.auto-owners.com/ |
| https://www.facebook.com/AutoOwnersInsurance/ | |
| Youtube | https://www.youtube.com/user/AutoOwnersInsurance |
| https://www.linkedin.com/company/auto-owners-insurance/ | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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