Auto-Owners Insurance review 2024

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 lower-than-average 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:

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:

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 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.

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:

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.

*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 is a few ways to do so:

• Customer service: 1-800-346-0346
• Auto and home insurance billing: 1-800-288-8740
• After-hours claims filing: 1-888-252-4626
• Roadside assistance: 1-888-869-2642
• Payment billing address: P.O. Box 740312, Cincinnati, OH 45274-0312
• Company website: auto-owners.com

State availability

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

Bankrate utilizes Quadrant Information Services to analyze July 2024 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.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (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.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: 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.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $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.

Bankrate Scores

Our 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 product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

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.