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: 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?

Below is a list of the average rates that drivers typically pay with State Farm and Auto-Owners Insurance Co. On average, State Farm charges approximately $164.26 per month while Auto-Owners Insurance Co comes in at around $135.95 per month. For State Farm, the cheapest state average is Idaho at $74.29 per month and the most expensive is Michigan at $338.28 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $85.72 per month and the most expensive is Michigan at $215.81 per month.

State Farm

Average Rate

$164.26
Auto-Owners Insurance Co

Average Rate

$135.95
National

Average Rate

$120.11
State State Farm Auto-Owners Insurance Co
Alabama $143.95 $129.21
Alaska $118.09 -
Arizona $149.61 -
Arkansas $111.03 $170.01
California $208.20 -
Colorado $141.36 $154.87
Connecticut $143.50 -
Delaware $138.51 -
District of Columbia $166.97 -
Florida $185.67 -
Georgia $159.06 $142.84
Hawaii $105.51 -
Idaho $74.29 $100.86
Illinois $113.85 $120.29
Indiana $90.96 $103.98
Iowa $83.20 $87.91
Kansas $116.35 $116.33
Kentucky $107.78 -
Louisiana $208.04 -
Maine $77.30 -
Maryland $204.39 -
Massachusetts $82.08 -
Michigan $338.28 $215.81
Minnesota $115.66 $119.79
Mississippi $120.83 -
Missouri $118.30 $123.37
Montana $88.09 -
Nebraska $100.35 $108.69
Nevada $176.75 -
New Hampshire $91.08 -
New Jersey $205.46 -
New Mexico $113.67 -
New York $281.64 -
North Carolina $91.19 $96.50
North Dakota $95.65 $107.31
Ohio $87.92 $85.72
Oklahoma $122.19 -
Oregon $111.89 -
Pennsylvania $124.84 $148.34
Rhode Island $107.85 -
South Carolina $108.11 $121.28
South Dakota $97.21 $167.94
Tennessee $100.33 $109.33
Texas $120.55 -
Utah $156.14 $154.02
Vermont $111.07 -
Virginia $95.23 $111.59
Washington $106.21 -
West Virginia $91.07 -
Wisconsin $87.93 $109.04
Wyoming $126.07 -

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

Number of Vehicles State Farm Auto-Owners Insurance Co
1 Vehicle $153.40 $125.13
2 Vehicles $206.41 $178.67
3 Vehicles $320.72 $258.16
4 Vehicles $389.54 $331.06

State Farm vs. Auto-Owners Insurance Co: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average State Farm charges $155.91 per month and Auto-Owners Insurance Co charges $139.04 per month for customers who own their home.

Own/Rent State Farm Auto-Owners Insurance Co
Own $155.91 $139.04
Rent $167.86 $134.55

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.

ComparisonState FarmAuto-Owners
Year Founded19221916
Market Share10.1%0.24%
A.M. Best RatingA++
BBB RatingNRA+
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageBetter Than Most
Moody’s RatingA
NAIC Complaint Index2.580.77
S&P RatingAAAA

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.

InsuranceState FarmAuto-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 FarmAuto-Owners
Accident-Free DiscountAdvance Quote Discount
Anti-theft DiscountFavorable Loss History
Defensive Driving DiscountGood Student Discount
Good Driving DiscountGreen Discount
Multiple Auto DiscountLife Multi-policy Discount
Multiple Line DiscountMulti-car Discount
Passive Restraint DiscountMulti-policy Discount
Safe Driver DiscountsPaid-in-full Discount
Student Away at School DiscountPayment History
Vehicle Safety DiscountSafety 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     4.815K user reviews
Android     4.116K user reviews
Auto-Owners Mobile App
iOS     3.334 user reviews
Android     4.353 user reviews

State Farm & Auto-Owners Contact Info

State Farm Contact Info
AddressOne State Farm Plaza, Bloomington, IL 61710
Phone1-800-732-5246
Websitehttps://www.statefarm.com
Facebookhttps://www.facebook.com/statefarm
Twitterhttps://twitter.com/statefarm
Youtubehttps://www.youtube.com/statefarm
Linkedinhttps://www.linkedin.com/company/state_farm/
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/

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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