Founded in 1916, Auto-Owners has sold auto insurance and worked to provide excellent customer service for more than a century.1 The insurer offers a robust menu of discounts and optional coverages for drivers at a lower-than-average rate. But Auto-Owners only sells insurance in 26 states, and some customers have left negative reviews online.
Here’s what you need to know about Auto-Owners so you can decide if this car insurance company is the right fit for your needs. You should always compare quotes from multiple insurers before choosing a policy.
How Auto-Owners rates compare to competitors
Auto-Owners has lower average rates than many competitors and the national average cost of insurance. See how full-coverage quotes from Auto-Owners compare to other insurers below.
Average cost of Auto-Owners car insurance
How much you pay for your car insurance policy will depend on your driving record and age.
People with clean driving records pay the lowest rates on average, while drivers with one or more speeding tickets, at-fault accidents, and DUIs pay higher premiums. Teenagers face the highest rates by driver age due to a lack of driving experience. Insurance premiums typically decrease with age for drivers 25 and older but start to increase again slightly for older drivers 70 and older.
The average cost of insurance from Auto-Owners is much cheaper than the national average cost of auto coverage. See how average monthly liability quotes from Auto-Owners vary by driver type and compare to the national monthly average.
Auto-Owners car insurance cost by state
The average price of auto insurance can vary a great deal by state due to location-based risks for drivers and unique requirements for bodily injury liability and property liability insurance. Insurers adjust their premium costs according to those risks, which is why your state’s average rates may be higher or lower than the national average.
Auto-Owners typically offers lower average premiums than the state average and other insurers operating in the same states, but the cost of coverage depends on your driving record and other factors.
Below, you can see the average monthly cost of liability coverage by state from Auto-Owners.
Auto-Owners car insurance discounts
Discounts can be a great way to lower your auto insurance costs, so it makes sense to choose an insurance company that offers auto insurance discounts that work for your situation.
Here are some of the best Auto-Owners discounts that may help save you money on your car insurance policy:
Multi-policy: You can bundle your car insurance with another policy to save money. This applies to homeowners, renters, or condo insurance.
Payment history: Auto-Owners offers a discount to policyholders who make on-time payments for 36 months.
Green: Qualify by signing up for paperless billing and paying online.
Paid-in-full: Receive a discount when you pay in full rather than monthly.
Safety feature: Having certain safety features on your car, such as anti-theft devices, anti-lock brakes, or airbags, could lower your premiums.
Good student: Students who maintain a B or better grade point average can save up to 20% on insurance.
Teen driver monitoring: Young drivers who use a mobile app or GPS device that monitors their driving behavior can save money.
How customers feel about Auto-Owners
An important part of finding the best insurance company for your needs is considering each insurer’s customer satisfaction reputation.
Auto-Owners has great scores from industry reviewers like the National Association of Insurance Commissioners (NAIC), J.D. Power, and AM Best, but customer reviews on sites like Trustpilot and the BBB tell a slightly different story. Auto-Owners has a star rating of 2.6 out of 5 on Trustpilot based on a small sample of 11 reviews, and it has a rating of 1.45 out of 5 on the BBB based on 104 customer reviews.
Auto-Owners customer reviews
Seeing what real customers have to say about Auto-Owners can help you make an informed decision about whether the company is good for you. Here are some real customer service reviews from verified Auto-Owners customers.
Auto-Owners ratings
Several rating agencies offer helpful scales for understanding the financial strength and customer satisfaction of insurance companies. Learn more about these scores below to decide if Auto-Owners is right for you.
Auto-Owners car insurance coverage options
Auto-Owners customers can choose to purchase the standard state-minimum required car insurance coverage through this insurer.
Many drivers may also wish to purchase collision coverage, which pays to repair or replace your car in an accident regardless of fault, and comprehensive coverage, which pays for damage to your car caused by a non-collision incident. Auto-Owners offers full-coverage insurance to drivers who want extra protection.
But you may want to further customize your insurance coverage with add-ons. Consider the following optional coverage options from Auto-Owners:
Other options for Auto-Owners customers
In addition to auto insurance, Auto-Owners also offers the following types of coverage:
Homeowners insurance: This kind of insurance coverage will protect your house and personal property in the event of a number of different perils.
Flood insurance: Most home insurance policies don’t cover flood damage. If you live in a flood plain, you may want to get coverage through Auto-Owners.
Pet insurance: You can cover the cost of veterinary care for your pets with this coverage.
Motorcycle insurance: A motorcycle needs different insurance than a car, and Auto-Owners offers coverage to protect your bike on and off the road.
Life insurance: Multiple types of insurance can protect your loved ones in the event of your death. Auto-Owners offers term, universal, and whole life insurance, as well as annuities and disability insurance.
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