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State Farm vs. Auto-Owners Insurance
Which insurance provider is right for you? Compare discounts, insights, and quotes from State Farm and Auto-Owners.
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- State Farm vs Auto-Owners Insurance Co
State Farm vs. Auto-Owners: What You Need to Know
State Farm was founded in 1922 by George Jacob “G.J.” Mecherle, a retired farmer and insurance salesman. The code of conduct for the company has always been “to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.” From the start, the company was branded as being “Like a good neighbor” and for “being there” for all State Farm customers. Fittingly, the State Farm agent in the television commercials is Patrick Minnis, a real State Farm insurance agent from Tempe, AZ. In 1971, Barry Manilow wrote the famous State Farm jingle that cemented the company’s brand as a helpful neighbor and Weezer covered the famous jingle in 2011.
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.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit State Farm Overview and Auto-Owners Insurance Co Overview.
State Farm vs. Auto-Owners Insurance Co: How much are the Average Rates?
State Farm vs. Auto-Owners Insurance Co: Rates by Number of Vehicle
State Farm vs. Auto-Owners Insurance Co: Rates by Homeownership
What is State Farm and Auto-Owners Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how State Farm and Auto-Owners ranked among the industry ratings.
| Comparison | State Farm | Auto-Owners |
|---|---|---|
| Year Founded | 1922 | 1916 |
| Market Share | 10.1% | 0.24% |
| A.M. Best Rating | A++ | |
| BBB Rating | NR | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | Better Than Most |
| Moody’s Rating | A | |
| NAIC Complaint Index | 2.58 | 0.77 |
| S&P Rating | AA | AA |
State Farm or Auto-Owners: Insurance Products Offered
What coverage is available through State Farm and Auto-Owners? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Life, Motorcycle, Renters, and RV insurance. Additional products from Auto-Owners insurance also includes Farm, Pet, 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 State Farm and Auto-Owners Insurance Co Insurance page.
| Insurance | State Farm | Auto-Owners |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | ✔ |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
| Umbrella Insurance | ✔ |
State Farm or Auto-Owners: Ways To Save
State Farm offers a wide range of discounts to its policyholders, including Anti-theft, Defensive Driving, and Good Driving discounts. However, Auto-Owners also offers a few discounts that State Farm doesn’t, including Teen Driver Monitoring, Safety Features, and Payment History discounts. Start taking advantage of discounts offered by insurance providers like Auto-Owners and State Farm insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| State Farm | Auto-Owners |
|---|---|
| Accident-Free Discount | Advance Quote Discount |
| Anti-theft Discount | Favorable Loss History |
| Defensive Driving Discount | Good Student Discount |
| Good Driving Discount | Green Discount |
| Multiple Auto Discount | Life Multi-policy Discount |
| Multiple Line Discount | Multi-car Discount |
| Passive Restraint Discount | Multi-policy Discount |
| Safe Driver Discounts | Paid-in-full Discount |
| Student Away at School Discount | Payment History |
| Vehicle Safety Discount | Safety Features Discounts |
| Student Away at School Discount | |
| Teen Driver Monitoring Discount |
Pros & Cons of State Farm & Auto-Owners
Pros
State Farm
- State Farm is the largest auto insurer in the U.S and offers insurance in all states.
- There are more than 19,000 captive agents across the country so it’s easy to find an agent in your area.
- State Farm offers a range of insurance packages and is the #1 insurer for watercraft.
- The State Farm app is an award-winning tool for managing your insurance and bank 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
State Farm
- State Farm does not offer accident forgiveness options.
Auto-Owners
- Auto-Owners Insurance only serves 26 states.
- No rideshare insurance.
State Farm or Auto-Owners Mobile Apps Options
The State Farm Mobile app is available for iOS and Android. This award-winning mobile app can help manage insurance and banking accounts, request roadside service, file and track claims and pay bills.
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.
| State Farm Mobile App | ||
|---|---|---|
| iOS | 4.8 | 15K user reviews |
| Android | 4.1 | 16K user reviews |
| Auto-Owners Mobile App | ||
|---|---|---|
| iOS | 3.3 | 34 user reviews |
| Android | 4.3 | 53 user reviews |
State Farm & Auto-Owners Contact Info
| State Farm Contact Info | |
|---|---|
| Address | One State Farm Plaza, Bloomington, IL 61710 |
| Phone | 1-800-732-5246 |
| Website | https://www.statefarm.com |
| https://www.facebook.com/statefarm | |
| https://twitter.com/statefarm | |
| Youtube | https://www.youtube.com/statefarm |
| https://www.linkedin.com/company/state_farm/ | |
| 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/ | |
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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