Which insurance provider is right for you? Compare ratings, plans, and quotes from Allstate and Auto-Owners.
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 the average rates that drivers typically pay with Allstate and Auto-Owners Insurance Co. On average, Allstate charges approximately $218.76 per month while Auto-Owners Insurance Co comes in at around $126.87 per month. For Allstate, the cheapest state average is North Carolina at $109.03 per month and the most expensive is Michigan at $675.09 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $82.27 per month and the most expensive is Michigan at $222.06 per month.
|State||Allstate||Auto-Owners Insurance Co|
|District of Columbia||$267.12||-|
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|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Allstate charges $219.46 per month and Auto-Owners Insurance Co charges $130.97 per month for customers who own their home.
|Own/Rent||Allstate||Auto-Owners Insurance Co|
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.
|A.M. Best Rating||A++|
|JD Power Ranking||About Average||Better Than Most|
|NAIC Complaint Index||1.03||0.77|
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.
|ATV & Off-Road Vehicle Insurance||✔||✔|
|Commercial Auto Insurance||✔||✔|
|Commercial Umbrella Insurance||✔||✔|
|Disability Income Insurance||✔||✔|
|Long-Term Care Insurance||✔|
|Loss Control Insurance||✔|
|Mobile Home Insurance||✔||✔|
|Property & Valuables Insurance||✔||✔|
|Rental Dwelling Insurance||✔||✔|
|Roadside Assistance Coverage||✔||✔|
|Term Life Insurance||✔||✔|
|Universal Life Insurance||✔||✔|
|Whole Life Insurance||✔||✔|
|Workers Compensation Insurance||✔||✔|
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.
|Allstate eSmart Discount||Advance Quote Discount|
|Anti-lock Brake Discount||Favorable Loss History|
|Anti-Theft Device Discount||Good Student Discount|
|Deductible Rewards||Green Discount|
|Early Signing Discount||Life Multi-policy Discount|
|EZ Pay Plan Discount||Multi-car Discount|
|FullPay Discount||Multi-policy Discount|
|Multiple Policy Discount||Paid-in-full Discount|
|New Car Discount||Payment History|
|Responsible Payer Discount||Safety Features Discounts|
|Safe Driving Bonus||Student Away at School Discount|
|Smart Student Discount||Teen Driver Monitoring Discount|
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||4.8||238K user reviews|
|Android||4.4||28K user reviews|
|Auto-Owners Mobile App|
|iOS||3.3||34 user reviews|
|Android||4.3||53 user reviews|
|Allstate Contact Info|
|Address||P.O. Box 660598, Dallas, TX 75266-0598|
|Auto-Owners Contact Info|
|Address||6101 Anacapri Blvd., Lansing, MI, 48917|
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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