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Auto Owners vs. Sentry Insurance
Which insurance carrier is right for you? Compare discounts, prices, and quotes from Auto-Owners and Sentry.
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- Auto-Owners Insurance Co vs Sentry
Auto-Owners vs. Sentry: 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 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.
Sentry insurance specializes in business insurance and its subsidiary, Dairyland, sells high-risk car insurance, which includes SR-22 and FR-44 filings.
From 2014-2017, regional Sentry Insurance offices opened in Montgomery, Alabama; Madison, Wisconsin; Milwaukee, Wisconsin, and Charlotte, North Carolina.
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 Sentry Overview.
Auto-Owners Insurance Co vs. Sentry: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Auto-Owners Insurance Co and Sentry. On average, Auto-Owners Insurance Co charges approximately $128.70 per month while Sentry comes in at around $259.31 per month. For Auto-Owners Insurance Co, the cheapest state average is Illinois at $90.32 per month and the most expensive is Pennsylvania at $142.43 per month. For Sentry, the cheapest state average is Washington at $264.68 per month and the most expensive is Pennsylvania at $285.90 per month.
Average Rate
Average Rate
Average Rate
| State | Auto-Owners Insurance Co | Sentry |
|---|---|---|
| Georgia | $110.55 | - |
| Illinois | $90.32 | - |
| Michigan | $130.03 | - |
| Pennsylvania | $142.43 | $285.90 |
| Tennessee | $112.04 | - |
| Washington | - | $264.68 |
Auto-Owners Insurance Co vs. Sentry: 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 Sentry typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Auto-Owners Insurance Co | Sentry |
|---|---|---|
| 1 Vehicle | $123.04 | $254.40 |
| 2 Vehicles | $188.91 | $312.42 |
Auto-Owners Insurance Co vs. Sentry: 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 $132.68 per month and Sentry charges $286.57 per month for customers who own their home.
| Own/Rent | Auto-Owners Insurance Co | Sentry |
|---|---|---|
| Own | $132.68 | $286.57 |
| Rent | $127.35 | $253.44 |
What is Auto-Owners and Sentry Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Auto-Owners and Sentry ranked among the industry ratings.
| Comparison | Auto-Owners | Sentry |
|---|---|---|
| Year Founded | 1916 | 1904 |
| Market Share | 0.24% | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Better Than Most | |
| NAIC Complaint Index | 0.77 | |
| S&P Rating | AA |
Auto-Owners or Sentry: Insurance Products Offered
What coverage is available through Auto-Owners and Sentry? Both insurance companies offer Auto, Commercial, Home, and Life insurance. Additional products from Auto-Owners insurance also includes Condo, Farm, Health, Motorcycle, Pet, Renters, RV, SR22/FR44, and Umbrella 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 Sentry Insurance page.
| Insurance | Auto Owners | Sentry |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| SR22/FR44 | ✔ | |
| Umbrella Insurance | ✔ |
Auto-Owners or Sentry: Ways To Save
Sentry offers a wide range of discounts to its policyholders, including Homeowners, Multi-vehicle, and Payment Frequency discounts. Auto-Owners also offers a few discounts that Sentry doesn’t including Teen Driver Monitoring, Student Away at School, and Safety Features discounts. Start taking advantage of discounts offered by insurance providers like Sentry 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 | Sentry |
|---|---|
| Advance Quote Discount | Driving Course Discounts |
| Favorable Loss History | Homeowners Discount |
| Good Student Discount | Multi-vehicle Discount |
| Green Discount | Payment Frequency Discounts |
| Life Multi-policy Discount | Transfer Discount |
| Multi-car Discount | Vehicle Safety Feature Discounts |
| Multi-policy Discount | |
| Paid-in-full Discount | |
| Payment History | |
| Safety Features Discounts | |
| Student Away at School Discount | |
| Teen Driver Monitoring Discount |
Pros & Cons of Auto-Owners & Sentry
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.
Sentry
- Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.
Cons
Auto-Owners
- Auto-Owners Insurance only serves 26 states.
- No rideshare insurance.
Sentry
- Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.
Auto-Owners or Sentry 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 Sentry Mobile parking app is available for iOS and Android. The app interacts with your parking meter in real-time and lets you buy time on an MPS parking meter. You can also access a map of nearby meters and parking space availability.
| Auto-Owners Mobile App | ||
|---|---|---|
| iOS | 3.3 | 34 user reviews |
| Android | 4.3 | 53 user reviews |
| Sentry Mobile App | ||
|---|---|---|
| iOS | 2.7 | 5 user reviews |
| Android | 3.1 | 8 user reviews |
Auto-Owners & Sentry 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/ | |
| Sentry Contact Info | |
|---|---|
| Address | 1800 North Point Drive, Stevens Point, WI 54481 |
| Phone | 1 (800) 473-6879 |
| Website | https://www.sentry.com/ |
| https://www.facebook.com/SentryInsurance/ | |
| https://twitter.com/SentryInsurance | |
| Youtube | https://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ |
| https://www.linkedin.com/company/sentry/ | |
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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