Auto Owners

This Auto Owners review will cover Auto Owners ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Auto Owners A.M. Best rating is A++. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 10, 2021

Advertiser Disclosure

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Company Details
Address: P.O. Box 30660
City: Lansing
State: MI
ZIP Code: 48909
Phone Number: (517) 323-1200
Fax: (517) 391-1901
AM Best Rating: A++
Company Rating 2.05 (105 reviews)

Auto-Owners Insurance Group is known for its strength and reliability. The company was started in 1916 by Vern V. Moulton. After several years of operation in Michigan, the company expanded to include coverage in the nearby states of Indiana and Ohio. Auto-Owners is affiliated with Owners Insurance Company, Home-Owners Insurance Company, Property-Owners Insurance Company and Southern-Owners Insurance Company.

Currently, Auto-Owners Insurance Company has offices in and can insure residents of the following 27 states: Michigan, Ohio, Indiana, Illinois, Minnesota, Iowa, North Dakota, South Dakota, Florida, Missouri, Alabama, Tennessee, North Carolina, South Carolina, Wisconsin, Georgia, Nebraska, Arizona, Virginia, Kentucky, Kansas, Utah, Colorado, Arkansas, Idaho, Kansas, and Pennsylvania. Many insureds sign up through independent agents.

Despite its name, Auto-Owners Insurance group offers more than just a personal or commercial auto insurance company. Auto-Owners’ products are as follows:

Life Insurance

  • Universal Life Insurance
  • Whole Life Insurance
  • Simplified Issue Whole Life Insurance
  • Simplified Issue Children’s Advantage Plan Plus Life Insurance
  • Annuities
  • Long-Term Care Insurance
  • Disability Insurance

Home Insurance

  • Homes
  • Condominiums
  • Renters (personal property)
  • Mobile homes
  • Farms
  • Rental homes

Automobile Insurance

  • All-Terrain Vehicles
  • Antique Vehicles & Classic Vehicles
  • Automobiles
  • Converted or Modified Vehicles
  • Mopeds
  • Motor Homes
  • Motorcycles
  • Recreational Vehicles
  • Utility Trailers
  • Vacation Trailers/Campers

Business Insurance

  • Commercial buildings
  • Business liability
  • Commercial automobiles
  • Garages & dealerships
  • Excess business liability
  • Employees
  • Disability income
  • Farms
  • Bonds

What Kind of Discounts Does Auto-Owners Insurance Company Offer?

Auto-Owners Insurance Group offers a variety of discounts on their home insurance, Auto-Owners car insurance, and business insurance products, including the ones listed below:

Home Insurance Discounts

  • 100% replacement cost
  • Dwellings under construction
  • Mature home owners and renters
  • Multiple policies t
  • Premium paid in full
  • Protection devices (smoke alarms, deadbolt locks and fire extinguishers)
  • Renovated or new homes
  • Seasonal dwellings

Auto Insurance Discounts

  • Company Car
  • Green Discount
  • Group/Franchise
  • Mature Drivers
  • Multiple Policies
  • Multiple Vehicles
  • Paid In Full Discount
  • Safe Drivers
  • Safety Feature Discounts
  • Student Discounts

Business Insurance Discounts

  • Multiple policies
  • New building
  • Premium paid in full

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How Do I Get the Best Rates on Insurance with Auto-Owners?

Always compare coverage options to see what works best for you. Optional coverage can drive your rates up. A higher collision deductible could drive your insurance rates down. Customer reviews are positive, and many seem to love Auto-Owners. No matter what your needs are, you’ll get a better auto policy when it’s personalized to you.

The second thing to do is compare rates. J.D. Power lists many of the top insurance agencies for affordable rates and different types of insurance. Our calculator allows users to get quotes from multiple providers at once. Then you can compare policy options side by side. The monthly premiums are just one factor. Comprehensive coverage limits, collision coverage, and the inclusion of a teen driver can all affect your auto insurance rates and the best insurance company for you. Sometimes, keep in mind the standard coverages don’t actually make sense.

The Auto-Owners Insurance website offers a number of features, including information on each of their available insurance plans, as well as a search box where potential customers can look for a local agent. There is a client center on the site, which enables current customers the chance to pay their bill or research specific policy details.

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