Allstate vs. Auto-Owners Insurance

Which insurance provider is right for you? Compare ratings, plans, and quotes from Allstate and Auto-Owners.

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Allstate vs. Auto-Owners: What You Need to Know

Founded in 1931, Allstate is the nation’s largest publicly held personal lines insurer. It was founded by former Sears, Roebuck & Co President and Board Chairman, General Robert E. Wood, who initially sold policies through the mail, an innovative business move. The name Allstate was taken from a tire sold in the Sears catalog and the first sales location was in a Chicago Sears store. The first claim paid was to a man who showed up at the office holding a car door handle in his hand after an attempted car theft.

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 its 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 2016. In 2017, Auto-Owners began its affiliation with the 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 Allstate Overview and Auto-Owners Insurance Co Overview.

Allstate vs. Auto-Owners Insurance Co: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Allstate and Auto-Owners Insurance Co. On average, Allstate charges approximately $235.36 per month while Auto-Owners Insurance Co comes in at around $135.68 per month. For Allstate, the cheapest state average is North Carolina at $111.83 per month and the most expensive is Michigan at $704.46 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $85.70 per month and the most expensive is Michigan at $218.28 per month.

Allstate

Average Rate

$235.36
Auto-Owners Insurance Co

Average Rate

$135.68
National

Average Rate

$119.16
State Allstate Auto-Owners Insurance Co
Alabama $147.89 $128.41
Alaska $179.49 -
Arizona $243.28 -
Arkansas $197.31 $165.34
California $172.23 -
Colorado $165.24 $158.59
Connecticut $267.48 -
Delaware $234.12 -
District of Columbia $278.87 -
Florida $235.52 -
Georgia $202.05 $140.54
Hawaii $121.18 -
Idaho $141.49 $100.85
Illinois $221.91 $121.57
Indiana $151.38 $106.39
Iowa $139.96 $88.17
Kansas $187.01 $116.26
Kentucky $227.21 -
Louisiana $302.47 -
Maine $126.43 -
Maryland $227.68 -
Massachusetts $198.23 -
Michigan $704.46 $218.28
Minnesota $188.05 $120.28
Mississippi $264.35 -
Missouri $145.07 $122.22
Montana $203.15 -
Nebraska $151.56 $110.11
Nevada $279.99 -
New Hampshire $182.61 -
New Jersey $226.55 -
New Mexico $195.62 -
New York $285.64 -
North Carolina $111.83 $95.12
North Dakota $190.64 $107.99
Ohio $143.05 $85.70
Oklahoma $176.40 -
Oregon $180.02 -
Pennsylvania $203.75 $143.77
Rhode Island $263.93 -
South Carolina $146.56 $123.16
South Dakota $178.22 $171.47
Tennessee $171.36 $110.87
Texas $264.08 -
Utah $170.01 $160.39
Vermont $144.82 -
Virginia $189.00 $112.56
Washington $156.85 -
West Virginia $205.46 -
Wisconsin $171.04 $106.92
Wyoming $207.17 -

Allstate vs. Auto-Owners Insurance Co: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Allstate and Auto-Owners Insurance Co typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Allstate Auto-Owners Insurance Co
1 Vehicle $218.64 $124.20
2 Vehicles $295.28 $176.58
4 Vehicles $376.64 $
3 Vehicles $468.47 $253.92

Allstate vs. Auto-Owners Insurance Co: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Allstate charges $236.29 per month and Auto-Owners Insurance Co charges $139.00 per month for customers who own their home.

Own/Rent Allstate Auto-Owners Insurance Co
Own $236.29 $139.00
Rent $234.91 $133.96

What Are Allstate and Auto-Owners Insurance's Ratings?

Which car insurance company is the best? Compare ratings for Allstate and Auto-Owners. Both companies have excellent financial strength. Allstate received an A- from the Better Business Bureau (BBB) compared with an A+ for Auto-Owners. At 0.77, Auto-Owners has a slightly lower complaint ratio according to the NAIC Complaint Index.

ComparisonAllstateAuto-Owners
Year Founded19311916
Market Share4.9%0.24%
A.M. Best RatingA++
BBB RatingA-A+
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageBetter Than Most
Moody’s RatingAa3
NAIC Complaint Index1.030.77
S&P RatingAA-AA

Allstate or Auto-Owners: Insurance Products Offered

What coverage is available through Allstate and Auto-Owners? Both insurance carriers offer Auto, Home, Life, Business, Renters, Condo, Motorcycle and RV coverage to their policyholders. Allstate also offers Landlord insurance and more. Auto-Owners  offers a suite of products that Allstate does, not such as Boat, Flood and Pet insurance. A full list of coverage is listed below.

InsuranceAllstateAuto-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
Landlord 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
Roadside Assistance Coverage
RV Insurance
Term Life Insurance
Trailer Insurance
Umbrella Insurance
Universal Life Insurance
Whole Life Insurance
Workers Compensation Insurance

Allstate or Auto-Owners: Ways to Save

Who doesn't like saving money on car insurance? With Allstate and Auto-Owners there are numerous opportunities to save. Below is a list of auto insurance discounts that the two companies offer. See if you qualify.

AllstateAuto-Owners
Allstate eSmart DiscountAdvance Quote Discount
Anti-lock Brake DiscountFavorable Loss History
Anti-Theft Device DiscountGood Student Discount
Deductible RewardsGreen Discount
Early Signing DiscountLife Multi-policy Discount
EZ Pay Plan DiscountMulti-car Discount
FullPay DiscountMulti-policy Discount
Multiple Policy DiscountPaid-in-full Discount
New Car DiscountPayment History
Responsible Payer DiscountSafety Features Discounts
Safe Driving BonusStudent Away at School Discount
Smart Student DiscountTeen Driver Monitoring Discount

Pros & Cons of Allstate & Auto-Owners

Pros

Allstate
  • Allstate is the third largest auto insurer in the U.S and offers insurance in all states.
  • There are more than 19,000 independent contractor agents across the country so it’s easy to find an agent in your area.
  • Allstate offers a range of insurance packages that can be customized.
  • The Allstate app is very helpful for managing your account.
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

Allstate
  • Allstate does not offer rideshare insurance for Uber and Lyft drivers.
Auto-Owners
  • Auto-Owners Insurance only serves 26 states.
  • No rideshare insurance.

Allstate or Auto-Owners Mobile Apps Options

The Allstate Mobile app is available for iOS and Android. It offers instant agent access, digital ID cards, the ability to see policy documents, choose modes of communication and manage claims with the option of uploading photos of damage after an accident. Drivewise measures safe driving behavior and can earn customers discounts. The app also features an Escape Route that creates a safe path to exit a fire.

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.

Allstate Mobile App
iOS     4.8238K user reviews
Android     4.428K user reviews
Auto-Owners Mobile App
iOS     3.334 user reviews
Android     4.353 user reviews

Allstate & Auto-Owners Contact Info

Allstate Contact Info
AddressP.O. Box 660598, Dallas, TX 75266-0598
Phone1-877-810-2920
Websitehttps://www.allstate.com
Facebookhttps://www.facebook.com/allstate
Twitterhttps://twitter.com/allstate
Youtubehttps://www.youtube.com/allstate
Linkedinhttps://www.linkedin.com/company/allstate/
Auto-Owners Contact Info
Address6101 Anacapri Blvd., Lansing, MI, 48917
Phone1-517-323-1200
Websitehttps://www.auto-owners.com/
Facebookhttps://www.facebook.com/AutoOwnersInsurance/
Twitterhttps://twitter.com/AutoOwnersIns
Youtubehttps://www.youtube.com/user/AutoOwnersInsurance
Linkedinhttps://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.

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