Auto-Owners Insurance Review

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Headquartered in Lansing, Michigan, Auto-Owners has been in the insurance business for more than 100 years. The provider sells insurance products through 48,000 independent agents in 26 states and boasts nearly three million policyholders.

Most insurance shoppers need auto, home and life insurance policies. Auto-Owners delivers with a selection of life insurance products, automobile policies for all types of vehicles and homeowners coverages that protect your home and personal property. The carrier also offers great insurance products for business owners, as well as annuities for retirement income and long-term care coverage for end-of-life needs.

Auto-Owners car insurance

You wouldn’t think about getting behind the wheel without car insurance. Collision and comprehensive coverages can help restore your vehicle after a covered loss and liability coverages protect your assets when you cause an accident. Auto-Owners offers all the standard coverages most automobile owners look for, along with a full portfolio of coverages to protect sports and recreational vehicles. Besides a great array of auto coverages, Auto-Owners also extends an impressive selection of discount options to help you save on your premium.

Types of coverage

Auto-Owners offers all the standard coverages most drivers need, including:

  • Additional expenses coverage
  • Bodily injury and property damage liability coverages
  • Diminished value coverage
  • Collision coverage
  • Comprehensive coverage
  • Loan/lease gap coverage
  • Roadside assistance coverage
  • Uninsured/underinsured motorist coverage

Today’s active motorists often need coverage for more than one type of vehicle. Auto-Owners has you covered with:

  • ATV and off-road vehicle insurance
  • Boat insurance
  • Classic car insurance
  • Converted or modified vehicle insurance
  • Motorcycle insurance
  • Motorhome and RV insurance
  • Trailer insurance

Auto-Owners offers its car insurance policyholders a few extra benefits that other providers don’t. For example, if you’re involved in an accident with another Auto-Owners policyholder, the carrier will waive your collision deductible. And, if you collide with a deer or other animal on the road, Auto-Owners applies the claims payment to your collision or comprehensive insurance, whichever offers the most coverage.

Many drivers need more protection than a full coverage policy provides. For folks who want maximum protection, Auto-Owners offers its Personal Automobile Plus Package. In addition to the standard coverages you need, the package includes 10 optional coverages, including identity theft coverage and personal property coverage to replace items such as your smartphone.

Discounts

Auto-Owners gives its policyholders many ways to save money on their car insurance premiums, including:

  • Advance quote discounts
  • Favorable loss history discounts
  • Good student discounts
  • Life insurance multi-policy discounts
  • Multi-car discounts
  • Multi-policy discounts
  • Paid-in-full discounts
  • Paperless billing discounts
  • Payment history discounts
  • Safety feature discounts
  • Student away at school discounts
  • Teen driver monitoring discounts

Auto-Owners home insurance

Homeowners insurance does much more than pay to rebuild your home after a disaster. A comprehensive homeowners policy can also help replace your personal belongings, pay some of your living expenses when you’re displaced by a covered loss and pay legal costs when someone sues you over an accident that occurs on your property. Auto-Owners standard homeowners policies include all the coverages some homeowners need. But Auto-Owners also offers great optional coverages, including a premium option that covers minor, everyday disasters that you’d normally have to pay for out of pocket.

Types of coverage

Standard Auto-Owner home policies include all the coverages many homeowners need, including:

  • Additional living expenses coverage
  • Dwelling coverage
  • Medical payments to others coverage
  • Other structures coverage
  • Personal liability coverage
  • Personal Property coverage

And for homeowners who need more protection, Auto-Owners offers a handful of optional coverages, including:

  • Equipment breakdown coverage
  • Guaranteed home replacement cost coverage
  • Identity theft expense coverage
  • Ordinance of law coverage
  • Water backup coverage

Homeowners who need broader coverage for their personal property can purchase optional special personal property coverage, which pays to repair or replace stained items and covers lost belongings.

Auto-Owners’ optional Homeowners Plus coverage covers losses that your standard policy might exclude. For instance, the coverage can pay for spoiled food caused by an extended power outage or damaged personal property, like a dining room set, ruined by a leaky kitchen appliance.

Discounts

Auto-Owners’ policyholders can save on their premiums by taking advantage of the provider’s outstanding discount programs, including:

  • Automatic backup generator discounts
  • Advance quote discounts
  • Favorable loss history discounts
  • Life insurance multi-policy discounts
  • Mortgage-free discounts
  • Multi-policy discounts
  • Payment history discounts
  • Paid-in-full discounts
  • Paperless billing discounts
  • Protective devices discounts
  • Water shut-off system discounts

Auto-Owners life insurance

Buying a life insurance policy is one of the best ways to protect your family’s financial future. If you die unexpectedly, life insurance can help replace your income, allow your surviving family members to continue their normal lifestyle and secure your children’s future. Auto-Owners offers the three most popular types of life insurance, and if you purchase a life insurance policy and Auto-Owners home or car insurance, you’ll qualify for a life multi-policy discount.

Types of coverage

Term life insurance

Auto-Owners term life policies let you choose among 10-, 20- and 30-year terms. Although many life insurance companies won’t cover you past the age of 80, Auto-Owners policies provide coverage up to age 95. Term life policies don’t accumulate a cash value, but if you die unexpectedly during the policy term, they can help your kids achieve their educational goals and help your surviving spouse cover your home’s mortgage.

Universal life insurance

Universal life insurance coverage offers more flexibility and provides a death benefit, while building a cash value. With an Auto-Owners universal life policy, you can adjust the amount of coverage, your payment schedule and the amount of your premium as your needs change. For example, if you have a child, you can increase your policy’s death benefit or decrease it after an adult child leaves the nest. Auto-Owners also allows you to add secondary insureds to a single policy, enabling you to purchase one policy that covers everyone in your family.

Whole life insurance

Auto-Owners’ whole life policies provide dependable coverage up to age 110. This traditional life insurance coverage builds a cash value over time, which you can borrow from if life throws you a financial curveball or you need a little extra cash to make a down payment on a house. Best of all, an Auto-Owners whole life policy provides the same death benefit if the insured dies at the age of 40 or 102.

Auto-Owners ratings, reviews, customer complaints and satisfaction

Over the years, Auto-Owners has earned high ratings from policyholders and institutions alike. The carrier ranked first in the central region in the 2020 J.D. Power U.S. Auto Insurance Study and above the regional average in the north central and southeast regions. And in the 2019 J.D. Power U.S. Auto Claims Satisfaction Study, Auto-Owners ranked seventh, with an overall customer satisfaction index score of 870 out of 1,000.

Auto-Owners also shines in the homeowners insurance market. In the 2019 J.D. Power U.S. Home Insurance Study, the provider ranked fifth in the industry, with an overall customer satisfaction index score of 826 out of 1,000. And in the 2020 J.D. Power U.S. Property Claims Satisfaction Study, Auto-Owners Insurance ranked #4 in the industry, with an overall customer satisfaction index score of 889 out of 1,000.

In the 2020 J.D. Power U.S. Insurance Shopping Study, Auto-Owners ranked #5 in the mid-sized insurance carriers category, with an overall customer satisfaction index score of 869 out of 1,000.

The Better Business Bureau gives Auto-Owners an A+ rating. In the last three years, just 117 Auto-Owners customers have filed complaints with the BBB, most pertaining to problems with a product or service, common grievances insurers face. In the past year, the BBB has closed 39 consumer complaints against Auto-Owners, which indicates a reasonable response time in settling disputes.

The National Association of Insurance Commissioners has received just 74 complaints against Auto-Owners Insurance. The insurer holds a 0.157 NAIC complaint index rating, far below the national average.

AM Best gives Auto-Owners and A++ financial rating.

Auto-Owners ranks #375 on the Fortune 500 list, with nearly $24.5 billion in assets and almost $8 billion in annual revenue.

In 2019, Auto-Owners earned a spot on Forbes’ America’s Best Employers by State list and in 2018, it ranked #428 on Forbes’ America’s Best Midsize Employers list.

Reasons why Auto-Owners is a great option

Auto-Owners sells its products through independent agents, allowing policyholders within its service area to enjoy the individual attention of a local representative. When it’s time to file a claim, you can depend on a dedicated agent to help you navigate the process, without the hassle of dealing with a national call center.

Auto-Owners offers one-stop-shopping for car, home and life insurance. Folks who own small businesses can also rely on Auto-Owners for their business and commercial automobile coverages, as well as workers compensation and commercial umbrella insurance policies.

Auto-Owners extends an impressive selection of discounts for auto and homeowners policyholders. College and high school students who make good grades can earn up to a 20% discount on car insurance and can save even more if they enroll in Auto-Owners’ teen driver monitoring program and maintain good driving habits. Life insurance policyholders can earn a life multi-policy discount on their Auto-Owners car and home insurance.

Auto-Owners Insurance is a great choice for farmers. The insurer’s standard farm insurance policies protect your farmhouse with many of the same coverages offered in its homeowners policies, but also include equipment breakdown, service line water and backup coverages. Farm owners can also choose from a great selection of optional coverages, to protect detached farm buildings and livestock.

Additional policies offered by Auto-Owners

Auto-Owners Insurance also sells an impressive collection of other coverages, including:

  • Business insurance
  • Commercial auto insurance
  • Commercial umbrella insurance
  • Condo insurance
  • Disability income insurance
  • Farm insurance
  • Flood insurance
  • Landlord insurance
  • Mobile home insurance
  • Personal umbrella insurance
  • Pet insurance
  • Valuable items insurance

Frequently asked questions

How do I file an auto claim with Auto-Owners insurance?

You can file a car insurance claim by contacting the independent agent who manages your Auto-Owners auto insurance policy. If your agent is unavailable, you can also contact the Auto-Owners claims center.

What does Auto-Owners’ roadside assistance coverage cover?

Your standard Auto-Owners car insurance policy includes roadside assistance. You can contact roadside assistance 24 hours per day, seven days per week if you need a tire change, oil or gas delivery, locksmith service, a jump start or towing service.

Do standard Auto-Owners home insurance policies cover flood damage?

No. However, Auto-Owners sells flood insurance for homes and commercial buildings. Auto-Owners flood policies cover your home, its major systems, kitchen appliances and detached structures.

Does Auto-Owners Insurance have a mobile app?

Yes. Auto-Owners’ mobile app, available for Android and Apple device users, enables you to pay your premium, manage automatic payments, contact roadside assistance and access a digital copy of your car insurance ID card.