Based in Michigan, Auto-Owners provides insurance coverage to 26 states.
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.
|JD Power Ranking||Better Than Most|
|NAIC Complaint Index||0.77|
|iOS||3.3||34 user reviews|
|Android||4.3||53 user reviews|
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.
You can change an agent if you are not satisfied with the service you’re getting. You can also get car insurance quotes and get paired up with a new agent offering you the lowest rate available here on SmartFinancial.
Homeowners plus coverage is an add-on to a home policy that provides additional protection, all in one package. It covers damage to property caused by household appliance leaks, food spoilage from power failures and more.
There are many ways you can save on homeowners with Auto-Owners Insurance. You get a multi-policy discount if you bundle your home with auto or another line of insurance. Payment history discounts reward you for timely payments, green discount applies if you switch to paperless billing. Protective devices discounts apply to smoke detectors, deadbolt locks and fire extinguishers. Life multi-policy discount saves you money if you have a life policy. Also offered are a paid-in-full discount, an advance quote discount, a water shut-off system discount in case of leaks, mortgage-free discount and a favorable loss history discount.
Yes, Auto-Owners is a mutual insurance company that offers many lines of insurance including auto, home, renters, motorcycle, business and life insurance through independent agents. They service 26 states.
Yes, with Auto-Owners’ rental car coverage you’re covered up to limits and you’re also covered for other fees the rental car company may charge in the event of an accident.
Auto-Owners new car replacement ensures that you are fully covered in the event of a loss on a new car, despite depreciation.
Yes, overall Auto-Owners Insurance gets good reviews. However, if you’re unsatisfied, you should get car insurance quotes here and get paired with a new agent.
Yes the Auto-Owners green discount includes a paperless billing discount.
Auto-Owners Insurance offers several types of savings for younger drivers, including a good student discount, which saves the teen up to 20% if they maintain a “B” or better average. For teens who’ve started college, the student away at school discount offers discounts for those studying over 100 miles away from home without a vehicle. There’s also a teen driver monitoring discount, which uses a telematics device permanently installed in the vehicle the teenager operates.
Yes, Auto-Owners Insurance offers gap insurance. Gap insurance takes care of your expenses if your loss is greater than what’s covered by your policy. Gap insurance would cover the remaining balance if there’s a total loss.
Auto-Owners Insurance offers renters insurance but rates vary according to several factors, which include location. If you want to get several free renters quotes, visit here and enter your zip code.
Auto-Owners Insurance offers term life insurance, universal life insurance, whole life insurance. They also offer annuities services..
Yes, Auto-Owners Insurance offers a paid-in-full discount.
Auto-Owners standard coverages for homeowners insurance include dwelling coverage, personal property coverage, medical payments to others (liability), other structures coverage, personal liability and additional living expenses if you ever have to live outside of the home for a covered loss such as a fire. You can also buy extra coverage, such as guaranteed home replacement cost, special personal property coverage, homeowners plus, identity theft expense, water backup of sewers or drains, ordinance or law coverage and equipment breakdown.
Auto-Owners homeowners insurance covers perils such as fire, theft, smoke, windstorms, lightning strikes, hail, explosions, vandalism, theft and vehicle collision.
|Car Insurance||Homeowners Insurance|
|Condo Insurance||Renters Insurance|
|Rental Dwelling Insurance||Mobile Home Insurance|
|Umbrella Insurance||Property & Valuables Insurance|
|Farm Insurance||Pet Insurance|
|Flood Insurance||Motorcycle Insurance|
|ATV & Off-road Vehicle Insurance||Motorhome Insurance|
|RV Insurance||Motorhome Insurance|
|Boat Insurance||Trailer Insurance|
|Life Insurance||Term Life Insurance|
|Universal Life Insurance||Whole Life Insurance|
|Annuities||Long-term Care Insurance|
|Disability Income Insurance||Whole Life Insurance|
|Business Insurance||Commercial Auto Insurance|
|Workers Compensation Insurance||Bonds Insurance|
|Loss Control Insurance||Commercial Umbrella Insurance|
This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.
This form of coverage is required in every state. It covers property damage and loss of use to a third party. Uninsured/Underinsured Motorist: This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.
This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.
This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.
This coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
The insurer will waive your collision deductible if you’re in an accident with another vehicle insured by Auto-Owners.
These protections will cover you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.
This is an optional coverage that reimburses the insured for the car rental, towing and labor.
Gap insurance takes care of your expenses if your loss is greater than what’s covered by your policy. Gap insurance would cover the remaining balance if there’s a total loss.
If both your car and home are insured with Auto-Owners and you experience a loss to both, they will reduce the auto deductible by the amount of the personal property deductible. It may also be waived completely if the auto deductible is less than the personal property deductible.
If you rent a car, you’re covered for broad coverages and limits and other fees the rental car company may charge if you have an accident.
This coverage protects you in the event that you have an accident in a new car. Because vehicles depreciate very quickly once they leave the lot, this coverage makes sure you get what you paid for.
|Multi-policy Discount||Payment History|
|Green Discount||Multi-car Discount|
|Good Student Discount||Student Away at School Discount|
|Teen Driver Monitoring Discount||Favorable Loss History|
|Safety Features Discounts||Advance Quote Discount|
|Life Multi-policy Discount||Paid-in-full Discount|
Below is a list of the average rates that drivers typically pay with Auto-Owners Insurance Co. On average, Auto-Owners Insurance Co charges approximately $136.55 per month. The cheapest state average is Ohio at $86.35 per month followed by Iowa at $90.04 per month. The most expensive state average is Michigan at $216.40 per month.
|State||Avg monthly rate|
|State||Avg monthly rate|
Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Auto-Owners Insurance Co charges for drivers who have more than 1 vehicle.
|Number of Vehicles||Avg Monthly Rate|
Customers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $134.75 per month for drivers who own their home and $140.77 per month for those who rent.
|Own/Rent||Avg Monthly Rate|
|Address||6101 Anacapri Blvd., Lansing, MI, 48917|
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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