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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 Insurance Co vs American Family
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 $129.09 per month while American Family comes in at around $217.46 per month. For Auto-Owners Insurance Co, the cheapest state average is Georgia at $103.27 per month and the most expensive is Michigan at $130.98 per month. For American Family, the cheapest state average is Oregon at $207.45 per month and the most expensive is Nevada at $306.36 per month.
Average Rate
Average Rate
Average Rate
| State | Auto-Owners Insurance Co | American Family |
|---|---|---|
| Georgia | $103.27 | - |
| Michigan | $130.98 | - |
| Nevada | - | $306.36 |
| Oregon | - | $207.45 |
| Pennsylvania | $122.20 | - |
| Washington | - | $231.59 |
Auto-Owners Insurance Co vs. American Family: Rates by Number of Vehicle
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 | $124.33 | $211.39 |
| 2 Vehicles | $180.28 | $254.69 |
Auto-Owners Insurance Co vs. American Family: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $138.10 per month and American Family charges $219.73 per month for customers who own their home.
| Own/Rent | Auto-Owners Insurance Co | American Family |
|---|---|---|
| Own | $138.10 | $219.73 |
| Rent | $126.34 | $216.92 |
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.
| Comparison | Auto-Owners | American Family |
|---|---|---|
| Year Founded | 1916 | 1927 |
| Market Share | 0.24% | 1.91% |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Better Than Most | About Average |
| NAIC Complaint Index | 0.77 | 0.64 |
| S&P Rating | AA | A |
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.
| Insurance | Auto Owners | American 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-Owners | American Family |
|---|---|
| Advance Quote Discount | Away at School Discount |
| Favorable Loss History | Claims-free Pricing |
| Good Student Discount | Generational Discount |
| Green Discount | Good Student Discount |
| Life Multi-policy Discount | KnowYourDrive |
| Multi-car Discount | Loyalty Discount |
| Multi-policy Discount | Multi-product Discount |
| Paid-in-full Discount | Smart Home Discount |
| Payment History | Teen Safe Driver Discount |
| Safety Features Discounts | Young 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 | 3.3 | 34 user reviews |
| Android | 4.3 | 53 user reviews |
| American Family Mobile App | ||
|---|---|---|
| iOS | 4.8 | 30K user reviews |
| Android | 4.4 | 3.5K user reviews |
Auto-Owners & American Family Contact Info
| 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/ | |
| https://twitter.com/AutoOwnersIns | |
| Youtube | https://www.youtube.com/user/AutoOwnersInsurance |
| https://www.linkedin.com/company/auto-owners-insurance/ | |
| American Family Contact Info | |
|---|---|
| Address | 6000 American Parkway, Madison, WI 53783 |
| Phone | 1-800-692-6326 |
| Website | https://www.amfam.com/insurance |
| https://www.facebook.com/amfam/ | |
| https://twitter.com/amfam | |
| Youtube | https://www.youtube.com/user/amfam |
| https://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.
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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