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Auto-Owners Insurance review

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Auto-Owners Insurance is a super-regional property/casualty company that provides auto, home and life insurance through 48,000 independent agents in 26 states, and boasts nearly three million policyholders. Headquartered in Lansing, Michigan, Auto-Owners has been protecting policyholders for more than 100 years. The insurer also offers expansive coverage for small business owners, as well as annuities for retirement income and long-term care coverage for end-of-life needs.

Auto-Owners provides its customers with extensive personal property coverage and auto insurance options, but may not be the right fit for every homeowner or driver. Consider the following advantages and drawbacks, as they might affect your decision-making process in the search for a property and casualty insurance provider:

Pros Cons
24/7 claims hotline Available in only 26 states
Over a century in business Customer service only available during weekday business hours
48,000 independent agents nationwide Mobile claims filing not available
Mobile app available to manage account, track claims and call for roadside service

Auto-Owners car insurance

In most states, drivers are required to have car insurance to legally operate a vehicle. Auto-Owners offers all the standard coverages most vehicle owners look for, such as state-required liability coverage and optional comprehensive and collision coverage, along with a full portfolio of coverages to protect sports and recreational vehicles. Besides a great array of auto coverages, Auto-Owners also features an impressive selection of discount options to help you save on your premium.

Types of coverage

Auto-Owners offers standard auto coverages that are typically mandatory or optional, including:

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

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 auto insurance policyholders a few extra benefits that other providers do not. For example, if you are 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.

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

Discounts

Auto-Owners gives its policyholders multiple discount opportunities to save money on their car insurance premiums, including:

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

Auto-Owners home insurance

Homeowners insurance does much more than pay to rebuild your home after a covered peril. A comprehensive homeowners policy can also help with the cost to replace your personal belongings, pay some of your living expenses when you are 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 typical coverages most property owners need. But Auto-Owners also offers optional bonus coverage, including a premium option that covers minor, everyday disasters that you would normally have to pay for out of pocket.

Types of coverage

Standard Auto-Owner home insurance policies include:

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

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

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

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 package 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’ home insurance policyholders can save on their premiums by taking advantage of the company’s vast selection of discount programs, including:

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

Auto-Owners life insurance

Buying a life insurance policy is one of the best ways to protect your family’s financial future and provide your loved ones with peace of mind. If you die unexpectedly, life insurance can help replace your income, allow your surviving family members to continue their normal lifestyle and secure your family’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 auto insurance, you will qualify for a life multi-policy bundling 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 will not cover you past the age of 80, Auto-Owners policies may provide coverage up to age 95. Term life policies do not accumulate a cash value, but if you die unexpectedly during the policy term, term life policies could help your kids achieve their educational goals, and may help your surviving spouse cover your home’s mortgage payments.

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 extra cash to make a down payment on a house. Most importantly, 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

Auto-Owners consistently earns high ratings from policyholders and third parties alike. Some of its notable industry ratings include:

J.D. Power Auto Insurance Study: 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 a strong overall customer satisfaction index score of 870 out of 1,000.

J.D. Power Home Insurance Study: Auto-Owners also shines in the homeowners insurance market. In the 2019 J.D. Power U.S. Home Insurance Study, the company 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 exceptional overall customer satisfaction index score of 889 out of 1,000.

J.D. Power Insurance Shopping Study: 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 National Association of Insurance Commissioners (NAIC) Complaint Index: The NAIC 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: The credit rating agency gives Auto-Owners and A++ (Superior) financial rating.

Reasons why Auto-Owners is a great option

Dedicated agents: Auto-Owners sells its products solely through a network of 48,000 agents, allowing policyholders within its service area to enjoy the individual attention of a local representative. When it is time to file a claim, you can depend on your dedicated Auto-Owners agent to help you navigate the process, without the hassle of dealing with a call center or needing to fill out forms online.

Full-service: Auto-Owners offers one-stop-shopping for individuals and families seeking auto, home and life insurance policies. Small business owners can rely on Auto-Owners for complete financial protection of their operations, including property, commercial auto, workers’ compensation, and professional liability.

Plenty of discounts and options: Auto-Owners extends a wide 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.

Coverage for farmers: Auto-Owners is among the top personal farm insurers in the U.S. The carrier’s standard farm insurance policies protect your dwelling with many of the same coverage offerings included in its homeowners policies, but also include equipment breakdown, personal liability, service line water and backup coverages. Farm owners can also choose from a selection of optional coverages, to protect detached farm buildings and livestock.

Additional policies offered by Auto-Owners

Auto-Owners offers a broad range of personal and commercial insurance coverage, including:

  • ATV and off-road vehicle
  • Boat
  • Business Owners Policy (BOP)
  • Commercial auto
  • Commercial umbrella
  • Condo
  • Disability income
  • Farm
  • Flood
  • Landlord
  • Mobile home
  • Motorhome and RV
  • Motorcycle
  • Personal umbrella
  • Pet
  • Trailer
  • Valuable items

Frequently asked questions

Where are Auto-Owners products available?

Auto-Owners personal and commercial insurance products are available through independent agents in 26 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.

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

You can file a car insurance claim by contacting your local, independent Auto-Owners agent. If your agent is unavailable, you can also contact the Auto-Owners claims emergency hotline.

What does Auto-Owners’ roadside assistance coverage cover?

A standard Auto-Owners car insurance policy includes roadside assistance. The company’s roadside assistance 24/7 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?

Like most property/casualty insurers, standard Auto-Owners home insurance policies do not include flood coverage. However, your Auto-Owners independent agent can facilitate the purchase of flood insurance for homes and commercial buildings underwritten through the federally backed National Flood Insurance Program (NFIP). Your agent may also be able to offer you flood insurance options through dozens of private insurers who specialize in flood coverage. Flood policies typically cover your primary structure, its major systems, kitchen appliances and detached structures.

Does an Auto-Owners home policy cover hurricane damage?
In coastal states that sustain windstorm damage from hurricanes and tropical storms, your Auto-Owners home insurance policy provides coverage with a separate windstorm deductible that is applied when a cyclone is named by the National Weather Service. This deductible is typically 1-5% of your dwelling limit.

Does Auto-Owners Insurance have a mobile app?

Auto-Owners’ user-friendly 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.

Written by
Michael Evans
Former Personal Finance Contributor
Michael Evans is a former contributor to Bankrate and has worked in numerous industries, including education, finance, government, insurance and journalism. He began writing professionally while working for the world's first online mortgage brokerage in San Francisco, California. His writings have appeared in print and online publications, including Fox Business, International Living, Motley Fool and Yahoo Finance. He and his family divide their time between residences in Northern California and Colombia. When Michael is not writing, he enjoys working in his photography business and playing with his cat, Cyndi Lou.
Edited by
Insurance Editor
Reviewed by
Director of corporate communications, Insurance Information Institute