Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
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At a glance
BEST BUDGET AUTO INSURANCE COMPANY
4.3
Rating: 4.3 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.3 stars out of 5
4.3
Cost & ratings
Rating: 4.67 stars out of 5
4.7
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 3.6 stars out of 5
3.6
Home
Rating: 4.3 stars out of 5
4.3
Cost & ratings
Rating: 4.2 stars out of 5
4.2
Coverage
Rating: 4.33 stars out of 5
4.3
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Auto-Owners could be a good fit if you are looking for a highly personalized insurance policy. Coverage is only available in 26 states, though, so it’s not an option for everyone.
Offers diminished value coverage, ensuring your vehicle retains its value after an accident.
Provides a range of discounts, including for young drivers and bundling policies.
Home and auto insurance rates are typically lower than the national average.
High customer satisfaction with an A++ (Superior) financial strength rating from AM Best.
Operates through local agents, offering personalized customer service.
Limited digital tools compared to other insurers, which may not suit those preferring online management.
Auto
Avg. annual premium for full coverage
$1,810
Avg. annual premium for min coverage
$490
Home
Avg. annual premium for $300k dwelling coverage
$2,005
Auto-Owners car insurance review
Auto-Owners car insurance may be appealing to drivers looking for highly customizable coverage and plenty of discount options. Policies are available in 26 states and the company operates via a network of independent agents. Auto-Owners offers standard auto insurance coverage types as well as several endorsement options. To personalize your coverage, you can choose additional protections, such as road trouble service, additional expense coverage, loan/lease gap and diminished value coverage.
If you’re within its service area, Auto-Owners could be one of the best car insurance companies available, and our unique Bankrate Score model reflects that. The company’s auto Score is impacted by limited state availability and mixed J.D. Power scores, but bolstered by robust and unique offerings.
Pros and cons of Auto-Owners car insurance
If you’re shopping for new coverage, you may be gathering car insurance quotes and comparing auto insurance rates. While price is important — we discuss Auto-Owners’ average premiums below — other factors can be impactful as well. Below are some pros and cons of Auto-Owners car insurance based on our assessment:
Pros
Robust endorsement offerings
Several discounts
Local agents available
Cons
Only available in 26 states
Mixed J.D. Power claims satisfaction score
Auto-Owners car insurance cost
On average, car insurance from Auto-Owners costs an average of $1,810 per year for full coverage and $490 per year for minimum coverage, according to Bankrate’s study of quoted annual premiums. Comparatively, the national average cost of car insurance is $2,685 per year for full coverage and $800 per year for minimum coverage. Below, we showcase Auto-Owners’ average premiums compared to the national average for a range of driver profiles.
How much is Auto-Owners car insurance?
If you’re looking for cheap car insurance, you should understand how your driving record impacts your insurance rates. Drivers with tickets, at-fault accidents or DUIs tend to pay higher rates because they are often classified as high-risk. They are more likely to file claims, so insurers charge them higher rates to compensate for this risk. Bankrate has tracked average rates by driving record for several years, and you can see our analysis for Auto-Owners auto insurance in the table below. Be aware that coverage may not be extended after a DUI in all cases, so it’s important to speak with a licensed agent to discuss eligibility.
Your age and the ages of other drivers on your policy also affect how much you’ll pay for car insurance in most states. If your state doesn’t allow age as a rating factor (Hawaii and Massachusetts), it won’t impact your premium. Where age is considered, younger drivers tend to pay higher rates because they’re more likely to get into accidents — and cost the insurance company money in the form of claim payouts. This is especially true for teen drivers. Keeping young drivers on their parents’ policy can help mitigate some of the cost. The average rates below are for drivers with clean driving records across several ages.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Prices often vary significantly between insurers, even for drivers in the same location with a similar driving history. That makes it important to get quotes from multiple carriers before you purchase a policy. Auto-Owners Insurance typically offers rates that are lower than the national average, making it a competitive option for many drivers. Here’s how Auto-Owners stacks up to some popular competitors:
Understanding how to assess the overall level of policyholder satisfaction with a company can be an important tool as you search for the best insurer for you. To analyze satisfaction, we look at third-party scores from companies like J.D. Power, which reviews overall customer, digital experience and claims satisfaction. We also review AM Best financial strength ratings to get a sense of a company’s historical ability to pay claims. Auto-Owners has an A++ (Superior) financial strength rating — the highest level available — from AM Best. This means that, historically, Auto-Owners has been financially strong enough to pay claims, even in situations where many claims are filed simultaneously.
Auto-Owners auto claims satisfaction
The 2024 J.D. Power U.S. Auto Insurance Study ranked companies in 11 regions by analyzing satisfaction across five categories, including billing processes, general interaction and policy offerings. Auto-Owners isn’t a national company and was only ranked in five regions, but in three of those five, it scored above the industry average. The company ranked below the industry average of 697 in for claims satisfaction in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study with a score of 692. This is a drop from the 2023 study, when Auto-Owners scored above the industry average.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 692 to 697.
End of interactive chart.
Auto-Owners auto insurance customer complaints
Bankrate also evaluated complaint indexes from the National Association of Commissioners (NAIC) in our Auto-Owners insurance review. The NAIC Complaint Index is an extremely helpful metric when comparing insurance companies. It tracks the number of complaints policyholders file against their insurance provider and assigns each insurance product line a score. It uses 1.00 as its benchmark. Complaint indexes higher than 1.00 mean a company receives more complaints than expected, while a score less than 1.00 means it receives fewer.
When looking at complaints filed with the NAIC, Auto-Owners performed better than average. Its lower index indicates better satisfaction with the company than other companies of a similar size. Regardless, it may be helpful to talk to current policyholders before committing to Auto-Owners based on its service level as indicated by J.D. Power.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.46 to 0.53.
Green discount: Enrolling in paperless statements and paying your bills online could allow you to save on your auto insurance rate.
Life multi-policy discount: While multi-policy discounts are relatively common for auto and home, renters or condo insurance bundles, Auto-Owners is relatively unique in that it offers a bundle discount on your auto insurance if you also have an Auto-Owners life insurance policy.
Paid-in-full discount: If you can afford to pay your auto premium in full, whether you have an annual or six-month car insurance policy, you could save on your premium and avoid billing fees.
Student discounts: Young drivers can be expensive to insure, but Auto-Owners offers three ways to save: a good student discount, a student away at school discount and a teen driver monitoring discount.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Auto-Owners
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Auto-Owners home insurance review
Our Auto-Owners Insurance review revealed that the company could be a great home insurance option for those who are looking for endorsements to build personalized coverage. Auto-Owners offers plenty of coverage types to help you create the policy that fits your needs. On top of standard coverage types like dwelling, other structures and liability coverage, you may also have the option to add extras like identity theft coverage, home cyber protection, guaranteed home replacement, sewer backup coverage and equipment breakdown. Auto-Owners also offers a Homeowners Plus endorsement which adds several add-ons, such as coverage for damage to your property caused by household appliances, with one endorsement.
Auto-Owners has a decent Bankrate Score for home insurance, but the rating is pulled down by the company’s lack of national availability, as well as its lack of credit ratings from Standard and Poor’s (S&P) and Moody’s.
Pros and cons of Auto-Owners home insurance
When you’re looking for the best home insurance company for your needs, analyzing a range of metrics can be helpful. Comparing home insurance quotes from several companies and looking at factors in addition to price can be a good strategy to make sure a company meets your needs. Here are some of the pros and cons of Auto-Owners home insurance that we identified in our review:
Pros
Numerous coverage options and discounts available
Much lower-than-average NAIC complaint index
Local agents available to help you choose appropriate coverage
Cons
Not available nationwide
Digital tools aren’t as robust as those from some competitors
Lower-than-average J.D. Power rating for home insurance satisfaction
Auto-Owners home insurance cost
On average, home insurance from Auto-Owners costs $2,005 per year for a policy with $300,00 in dwelling coverage. For context, the national average cost of home insurance is $2,267 annually for the same coverage amount. Your rates will vary based on your unique situation, including how much coverage you need. Below, you can see Auto-Owners’ average premiums compared to the national averages for a range of dwelling coverage limits.
$150K dwelling
Auto-Owners average premium
$1,365
National average premium
$1,370
$300K dwelling
Auto-Owners average premium
$2,005
National average premium
$2,267
$350K dwelling
Auto-Owners average premium
$2,251
National average premium
$2,534
$450K dwelling
Auto-Owners average premium
$2,704
National average premium
$3,066
$750K dwelling
Auto-Owners average premium
$3,984
National average premium
$4,399
*All rates displayed are average annual rates.
Compare Auto-Owners homeowners insurance rates
Homeowners insurance rates can vary widely based on factors such as the location of the home, its age and condition, the coverage limits and the homeowner’s claim history. However, Auto-Owners generally offers homeowners insurance rates that are below the national average, making it a cost-effective option compared to other major carriers.
Much like auto insurance, interpreting third-party ratings for home insurance can help you gauge policyholder satisfaction and make an informed choice. Ratings from companies like J.D. Power offer insights into overall customer satisfaction, digital experience and claims handling. AM Best’s financial strength ratings assess a company’s ability to pay claims. Auto-Owners Insurance holds an A++ (Superior) rating from AM Best, indicating robust financial stability and reliability in paying claims, even during high-claim periods.
Understanding these ratings can provide a clearer picture of how well an insurance company meets its customers' needs and manages its financial responsibilities.
Auto-Owners homeowners claims satisfaction
Auto-Owners was included in the J.D. Power 2025 Property Claims Satisfaction Study. Auto-Owners scored above average with 719 compared to the average of 682 out of 1,000 for property claims satisfaction. In the more general 2024 U.S. Home Insurance Study, which measures overall customer satisfaction, Auto-Owners did not perform as well. It earned a below-average score of 634 compared to the industry average of 640.
J.D. Power Property Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 634 to 869.
End of interactive chart.
Auto-Owners home insurance customer complaints
As we touched on above, the NAIC rates companies and the various products they offer. A score of 1.00 would be considered standard, a score above 1.00 would be considered a bad rating and a score below 1.00 would be considered above average.
Auto-Owners’ NAIC Complaint Index for home insurance is also better than average. This indicates that very few policyholders are filing formal complaints about the company. Like with its auto insurance policies, it may be helpful to speak with active Auto-Owners home customers to get a better grasp on its customer service, though, since the company’s low complaint index seems in opposition to its mixed J.D. Power customer satisfaction scores.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.33 to 0.39.
End of interactive chart.
Auto-Owners home insurance discounts
If you’re searching for a cheap home insurance policy, Auto-Owners offers several ways to save on home insurance. If you’re looking to lower your rate, check if you’re eligible for any home discounts from Auto-Owners, including these relatively uncommon options:
Advance quote discount: If you get a quote for home insurance prior to the day you need coverage, you might save a bit on your premium.
Automatic backup generator discount: A backup generator can be tremendously helpful in the event of power failures and could also earn you a discount on your Auto-Owners home insurance rate.
Mortgage-free discount: If you’ve paid off your mortgage and own your home in full, you could save money with Auto-Owners on your home insurance policy.
Water shut-off system discount: Insuring a home that has an automatic water shut-off system could get you a lower premium, since this type of system could lower the risk of severe damage to your home.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Auto-Owners
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Auto-Owners life insurance review
Auto-Owners life insurance could be a good fit for policyholders who need coverage and already have their home or auto insured with the company. Auto-Owners offers a life multi-policy discount, which could earn you some additional savings on your auto or home policy if you also have an Auto-Owners’ life insurance policy. While quotes from different life insurance companies don’t vary as much as auto or home insurance for similar policy types, shopping around and comparing life insurance quotes could still help you find additional policy types or perks that best fit your financial planning needs.
Auto-Owners offers several types of life insurance, including term life, whole life and universal life insurance policies, which means that there are multiple options for finding the right policy type for your needs.
Pros and cons of Auto-Owners life insurance
Some shoppers simply want the cheapest life insurance they can find, and price is always an important factor. There are a few other things you should consider about a life insurance company, though, like if it offers endorsements that you need and what kinds of coverage it offers. Here, we’ve identified some perks and drawbacks of Auto-Owners life insurance:
Pros
Having a policy may qualify you for auto or home insurance savings
Several types of life insurance available
Licensed local agents can guide you through the life insurance process
Cons
No online quotes available
No endorsements advertised online
Does not advertise a no-medical-exam option
Auto-Owners life insurance riders
Auto-Owners does not list specific life insurance endorsements on its website. However, the carrier does note that endorsements are available for each policy type. The best way to know which life insurance options can be added to your policy is to talk with an independent Auto-Owners agent. Remember that adding endorsements to your policy will likely increase the cost of your life insurance, but it will also mean you have broader coverage.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
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Please select Policy type
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Shopping for insurance usually means getting quotes from a few different home and car insurance companies. This allows you to compare rates, coverage offerings, discount options and third-party agency ratings for things like financial strength or customer satisfaction. If you’re interested in Auto-Owners, these companies may also be worth including in your quote comparison:
Featured
Auto-Owners
Rating: 4.3 stars out of 5
4.3
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Auto-Owners could be a good fit if you are looking for insurance policies that can be highly personalized to your needs. Coverage is only available in 26 states, though, so it’s not an option for everyone.
AAA may be better known for its roadside assistance packages and membership perks, but the company also offers solid home and auto insurance options and a long list of discounts. Membership is required though, so if you’d rather not commit to a membership, Auto-Owners might be the better insurance option.
If you prefer working with a local independent agent, Erie may offer the personalized customer experience you’re looking for. Like Auto-Owners, Erie’s policies offer robust coverage options. Coverage is only available in 12 states and Washington, D.C., though, so Auto-Owners might be better if you live outside of Erie’s coverage area.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Auto-Owners Insurance a good insurance company?
Auto-Owners may be a good company if you want to work with local agents, bundle multiple types of coverage with one company and personalize your policies to your specific needs. The company stands out for its broad range of endorsements and discount offerings. Auto-Owners doesn’t have the best customer satisfaction ratings though, so it may be a good idea to talk with current policyholders before buying a policy.
What are real-life customers saying about Auto-Owners
To better understand the customer experience with Auto-Owners, we looked at reviews from Reddit and Trustpilot. While these platforms are not traditional review sites, the personal experiences shared by users offer valuable insights into what it’s like to deal with Auto-Owners.
Overall, feedback is mixed. Some customers on Reddit praise the company for its exemplary service, while others report significant issues with claims handling. Similarly, Trustpilot reviews highlight both positive experiences with reasonable rates and prompt service and negative experiences involving lengthy claims processes and poor communication.
Reddit User 1*
Feb 18, 2025
Highly recommend Auto-Owners
I've had Auto-Owners for almost 20 years and I love them. My rate increases have been very reasonable and the service fantastic. I've had 1 total loss, 1 fire claim, and 1 at fault accident with my boyfriend driving and even then, my increase was minimal.
The adjusters have been friendly and efficient. I think my longest claim was the fire and that was because of vendors. Their website is easy to navigate. Yes, having an agent can be a pain, but it is worth the peace of mind. I would highly recommend them.
My elderly mother had a horrible experience with Auto Owners after her Georgia home was destroyed by Hurricane Helene. We cut them some slack due to the scope of the disaster and them being busy, but they were a disaster in their own right: not returning calls, authorizing only band-aid fixes that didn't meet local building codes, disputing amounts they had previously approved, failing to show up for meetings with structural engineers. Thankfully, we had saved all correspondence and texts and held their feet to the fire. I've dealt with several claims of my own with another carrier, and those were a walk in the park compared to this fiasco. They are not licensed in my home state, and I can see why.
After an unfortunate accident, I expected a smooth claims process. However, what I encountered was a lengthy and convoluted ordeal. The claims representative assigned to my case was difficult to reach and often unresponsive. It took days to get any updates, and when I did, the information was often vague or inconsistent.
The total disrespect and disregard for my situation left me astonished. While they may have saved a few dollars on my end, I suspect that their long-term reputation will suffer due to the way they conduct business. If you're considering Auto-Owners Insurance, proceed with caution—this company may not have your best interests at heart.
Auto owners insurance is the worst! This company will deny valid claims and tell customers to use third-party vendors for replacement products. This company will go out of their way to not pay out on a claim, even if there was substantial damage. If you are shopping for a new policy or have this company as your insurer and have never filed a claim…run away!!
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Auto-Owners company details
Need to get in contact with Auto-Owners? Here are a few ways to do so:
Auto-Owners writes policies in 26 states. Currently, it is available in AL, AZ, AK, CO, FL, GA, ID, IL, IN, IA, KS, KY, MI, MN, MS, NE, NC, ND, OH, PA, SC, SD, TN, UT, VA and WI.
Auto-Owners tools and benefits
In addition to auto, home and life insurance, Auto-Owners offers several other insurance solutions and other benefits. If you like to keep all your insurance needs with one carrier, Auto-Owners might have additional coverage types of interest to you. Besides the products already listed, Auto-Owners may be helpful for the following:
Purchase price guarantee: To avoid depreciation being factored into your vehicle’s valuation, Auto-Owners offers this option to ensure your coverage is based on its original purchase price.
Rental dwelling: If you own and rent properties, you may need landlord insurance.
Renters insurance: A renters insurance policy from Auto-Owners can help protect your personal property, provide additional living expenses and add a layer of personal liability coverage.
Umbrella:Umbrella insurance provides extra liability coverage to protect your finances.
Condominium: Auto-Owners offers HO-6 insurance policies to help protect policyholders living in condos.
Flood insurance: Auto-Owners can help facilitate the purchase of a National Flood Insurance Program (NFIP) flood insurance policy, which provides coverage for damages caused by flooding.
Boat: If you have a boat, jet ski or other watercraft, Auto-Owners might have an insurance solution for you.
Motorcycle insurance: If your vehicle has two wheels instead of four, Auto-Owners may be able to help you insure your motorcycle.
ATV/off-road vehicle: Auto-Owners’ ATV and off-road vehicle policies are similar to its car insurance ones — with additional coverage for helmets, boots and other safety gear.
Motorhome & RV: Many of the discounts available for car insurance may also apply to motorhome and RV insurance.
Trailer: Auto-Owners offers options to insure utility trailers.
Business: If you own a business, Auto-Owners could be a good option. The company offers several business insurance products, including commercial auto, commercial umbrella, bonds and workers compensation.
Farm insurance: With Auto-Owners, you can purchase coverage for your farming equipment. This coverage can also add financial protection in case of pollution spills. However, farm insurance is not available in all states where Auto-Owners does business.
Pet insurance: Auto-Owners partners with Figo to provide pet insurance, which is essentially a health insurance policy for your animal.
Keep in mind that coverage options may vary by state, so talking with an agent or representative of the company can help you determine what’s available in your area.
Frequently asked questions about Auto-Owners Insurance
Auto-Owners has a dedicated giveback program called A-O Gives Back. The program was launched in 2018 and allows Auto-Owners employees from different regions access to pre-approved charity events with Auto-Owners corporate sponsors. Nonprofit organizations can request support from Auto-Owners by emailing GivingBack@aoins.com.
Auto-Owners is a mutual insurance company, which means that the company is technically owned by its policyholders.
Bankrate’s analysis of premium data from Quadrant Information Services found that, by and large, average rates for home and auto policies from Auto-Owners tend to be lower than the national average. That said, your individual rate from Auto-Owners will vary based on individual rating factors and coverage requirements.
Because Auto-Owners is sold by independent agents, you will typically file a claim directly with your agency. However, Auto-Owners does have some after-hours claims-filing solutions:
Call 1-888-869-2642 for roadside assistance or request in the mobile app
Call 1-877-492-7768 (Safelite) or 1-888-295-2590 (Quest Claims) for glass-only auto damage
Call 1-877-492-7768 for Safelite in AZ, FL, OH, MN, GA, KY and SC
Call 1-888-252-4626 for all other claims
Once your claim is filed, you’ll be put in contact with a claims adjuster. The adjuster will gather information about your damage and the cause of the loss, review your policy and pay the claim if the damage is covered.
Auto-Owners generally offers a 30-day payment grace period. However, specific timeframes may vary by state. It is recommended to pay well ahead of the final date to avoid a lapse in coverage. If you feel that your policy is approaching or experiencing a lapse, contact your agent immediately.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Auto-Owners
Auto-Owners has 50 reviews
Dive into community reviews below and see what others think about Auto-Owners.
4.3
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
88% of consumers recommend this insurer
Score breakdown
5 stars
48%
4 stars
40%
3 stars
10%
2 stars
0%
1 star
2%
Score by category
Overall rating4.3 / 5
Original cost3.8 / 5
Coverage4.3 / 5
Customer Support4.3 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Auto-Owners.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I shop around for insurance they were the lowest at the time
Insurance Type
Auto + Home
Score by category
Original cost2/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I live in a coastal area and there are a limited number of companies that insure on this area.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Great service and trust and it gives me peace of mind and keeps my car safe
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I do a rate comparison every year. Year after year they can't be beat. I could switch if I could get the same coverage for less.
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Only insurer that would insure our home with 60 acres.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I've stayed with them because they're reliable.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
my premiums did skyrocket after renewal, so I'm looking to switch
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I got discount for automatic payments.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I like their no surprise pricing
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
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editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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