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Auto-Owners Insurance: Overview
Based in Michigan, Auto-Owners provides insurance coverage to 26 states.
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About Auto-Owners
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.
Auto-Owners Facts & Ratings
| Year Founded | 1916 |
| Market Share | 0.24% |
| Financial Strength | Excellent |
| JD Power Ranking | Better Than Most |
| BBB Rating | A+ |
| NAIC Complaint Index | 0.77 |
| S&P Rating | AA |
Auto-Owners Mobile App Rating
| iOS | 3.1 stars (out of 5) | 106 user reviews |
| Android | 3.2 stars (out of 5) | 330 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.
Pros & Cons of 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.
- Auto-Owners Insurance only serves 26 states.
- No rideshare insurance.
Common Questions about Auto-Owners
Can I change my Auto-Owners insurance agent?
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.
What is Auto-Owners Homeowners Plus?
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.
What type of discounts does Auto-Owners offer for homeowners?
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.
Is Auto-Owners a mutual insurance company?
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.
Does Auto-Owners insurance cover rental cars?
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.
What is Auto-Owners New Car Replacement?
Auto-Owners new car replacement ensures that you are fully covered in the event of a loss on a new car, despite depreciation.
Does Auto-Owners have good customer service?
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.
Does Auto-Owners give discounts for paperless billing?
Yes the Auto-Owners green discount includes a paperless billing discount.
What discounts do Auto-Owners offer for a teen driver?
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.
Does Auto-Owners offer gap insurance?
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.
How much is Auto-Owner renter's insurance?
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.
What type of life insurance does Auto-Owners offer?
Auto-Owners Insurance offers term life insurance, universal life insurance, whole life insurance. They also offer annuities services..
Does Auto-Owners offer a paid-in-full discount?
Yes, Auto-Owners Insurance offers a paid-in-full discount.
What coverages does Auto-Owners have for homeowners?
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.
What does Auto-Owners homeowners insurance cover?
Auto-Owners homeowners insurance covers perils such as fire, theft, smoke, windstorms, lightning strikes, hail, explosions, vandalism, theft and vehicle collision.
Auto-Owners Insurance Products
| 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 |
Auto-Owners Auto Insurance Coverage
Bodily Injury Liability
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.
Property Damage Liability
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.
Uninsured/Underinsured Motorist.
This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.
Comprehensive Coverage.
This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.
Collision Coverage.
This coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.
Collision Coverage Advantage.
The insurer will waive your collision deductible if you’re in an accident with another vehicle insured by Auto-Owners.
Medical Payments and Personal Injury Protection (PIP).
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.
Road Trouble Service.
This is an optional coverage that reimburses the insured for the car rental, towing and labor.
Gap or Loan/Lease 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.
Common Loss Deductible.
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.
Rental Car Coverage.
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.
New Car Replacement.
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.
Discounts
| 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 |
Auto-Owners Insurance Co Auto Insurance Rates by State
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 $129.80 per month. The cheapest state average is Idaho at $75.12 per month followed by Ohio at $81.52 per month. The most expensive state average is Colorado at $174.91 per month.
| State | Avg monthly rate |
|---|---|
| AR | $152.40 |
| CO | $174.91 |
| GA | $121.90 |
| IA | $91.75 |
| ID | $75.12 |
| IL | $104.44 |
| IN | $98.59 |
| KS | $123.03 |
| MI | $138.63 |
| MN | $119.29 |
| MO | $160.25 |
| State | Avg monthly rate |
|---|---|
| NE | $128.17 |
| OH | $81.52 |
| PA | $135.67 |
| SC | $120.53 |
| SD | $129.63 |
| TN | $145.83 |
| UT | $134.78 |
| VA | $108.88 |
| WI | $124.53 |
Auto-Owners Insurance Co Auto Insurance Rates by Vehicle
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 |
|---|---|
| 1 Vehicle | $123.03 |
| 2 Vehicles | $171.82 |
Auto-Owners Insurance Co Auto Insurance Rates by Homeownership
Customers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $127.30 per month for drivers who own their home and $137.08 per month for those who rent.
| Own/Rent | Avg Monthly Rate |
|---|---|
| Rent | $127.30 |
| Own | $137.08 |
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.
How Does Auto Owners Compare to Other Car Insurance Companies?
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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