Auto Owners vs. American Family Insurance

Which insurance provider is right for you? Compare pros & cons, coverage, and quotes from Auto-Owners and American Family.

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Auto-Owners vs. American Family: What You Need to Know

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 opens 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 begins 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.

In 2007, American Family Children’s Hospital in Madison, Wisconsin celebrated its grand opening. In 2011, the company challenged people to reflect on the most valuable thing they own--their dreams--in the “Dreams Protected” campaign. In 2012, American Family acquired the Permanent General Companies and other subsidiaries of the PGC Holdings Corp. In 2017, American Family acquired Wisconsin’s largest rooftop solar installation with almost 4,500 panels on the roof of the National Headquarters building in Madison.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Auto-Owners Insurance Co Overview and American Family Overview.

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

Below is a list of the average rates that drivers typically pay with Auto-Owners Insurance Co and American Family. On average, Auto-Owners Insurance Co charges approximately $126.87 per month while American Family comes in at around $148.98 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. For American Family, the cheapest state average is Ohio at $89.93 per month and the most expensive is Nevada at $323.09 per month.

Auto-Owners Insurance Co

Average Rate

$126.87
American Family

Average Rate

$148.98
National

Average Rate

$117.28
State Auto-Owners Insurance Co American Family
Alabama $119.08 -
Arizona- $165.47
Arkansas $161.95 -
Colorado $155.88 $196.92
Georgia $121.85 -
Idaho $90.93 $104.99
Illinois $117.62 $178.12
Indiana $109.00 $141.92
Iowa $82.30 $100.08
Kansas $116.43 $142.95
Michigan $222.06 -
Minnesota $113.30 $122.97
Missouri $109.40 $143.57
Nebraska $98.25 $131.56
Nevada- $323.09
North Carolina $92.63 -
North Dakota $91.84 $122.41
Ohio $82.27 $89.93
Oregon- $139.93
Pennsylvania $130.85 -
South Carolina $115.86 -
South Dakota $172.14 $116.01
Tennessee $103.98 -
Utah $158.92 $184.03
Virginia $108.53 -
Washington- $170.41
Wisconsin $107.78 $102.42

Auto-Owners Insurance Co vs. American Family: 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 Auto-Owners Insurance Co and American Family typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Auto-Owners Insurance Co American Family
1 Vehicle $116.91 $140.03
2 Vehicles $169.37 $183.89

Auto-Owners Insurance Co vs. American Family: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $130.97 per month and American Family charges $144.04 per month for customers who own their home.

Own/Rent Auto-Owners Insurance Co American Family
Own $130.97 $144.04
Rent $124.22 $152.21

What is Auto-Owners and American Family Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Auto-Owners and American Family ranked among the industry ratings.

ComparisonAuto-OwnersAmerican Family
Year Founded19161927
Market Share0.24%1.91%
A.M. Best RatingA++A
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingBetter Than MostAbout Average
NAIC Complaint Index0.770.64
S&P RatingAAA

Auto-Owners or American Family: Insurance Products Offered

What coverage is available through Auto-Owners and American Family? Both insurance companies offer Auto, Commercial, Condo, Farm, Health, Home, Life, Motorcycle, Renters, RV, and Umbrella insurance. Additional products from Auto-Owners insurance also includes Pet insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Auto-Owners Insurance Co and American Family Insurance page.

InsuranceAuto OwnersAmerican Family
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Auto-Owners or American Family: Ways To Save

American Family offers a wide range of discounts to its policyholders, including Claims-free Pricing, Generational, and Good Student discounts. Auto-Owners also offers a few discounts that American Family doesn’t including Teen Driver Monitoring, Student Away at School, and Safety Features discounts. Start taking advantage of discounts offered by insurance providers like American Family and Auto-Owners insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Auto-OwnersAmerican Family
Advance Quote DiscountAway at School Discount
Favorable Loss HistoryClaims-free Pricing
Good Student DiscountGenerational Discount
Green DiscountGood Student Discount
Life Multi-policy DiscountKnowYourDrive
Multi-car DiscountLoyalty Discount
Multi-policy DiscountMulti-product Discount
Paid-in-full DiscountSmart Home Discount
Payment HistoryTeen Safe Driver Discount
Safety Features DiscountsYoung Volunteer Discount
Student Away at School Discount
Teen Driver Monitoring Discount

Pros & Cons of Auto-Owners & American Family

Pros

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.
American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.

Cons

Auto-Owners
  • Auto-Owners Insurance only serves 26 states.
  • No rideshare insurance.
American Family
  • American Family Insurance only serves 19 states.

Auto-Owners or American Family Mobile Apps Options

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.

The American Family mobile app is available for iOS and Android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more.

Auto-Owners Mobile App
iOS     3.334 user reviews
Android     4.353 user reviews
American Family Mobile App
iOS     4.830K user reviews
Android     4.43.5K user reviews

Auto-Owners & American Family Contact Info

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/
American Family Contact Info
Address6000 American Parkway, Madison, WI 53783
Phone1-800-692-6326
Websitehttps://www.amfam.com/insurance
Facebookhttps://www.facebook.com/amfam/
Twitterhttps://twitter.com/amfam
Youtubehttps://www.youtube.com/user/amfam
Linkedinhttps://www.linkedin.com/company/american-family-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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