Auto-Owners Auto Insurance Review
Explore the ever-evolving landscape of car insurance as we delve into an in-depth review of Auto-Owners, providing insights into coverage options, customer satisfaction ratings, and the unique advantages of choosing a local car insurance provider.
Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
UPDATED: Apr 23, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Auto-Owners
Average Monthly Rate For Good Drivers
$87A.M. Best Rating:
A++Complaint Level:
LowPros
- Strong financial stability
- Wide range of coverage options
- Good customer service
- Discount opportunities
- Convenient online tools
Cons
- Limited availability
- Potentially higher premiums
- Limited digital experience
Auto-Owners is a reliable insurance provider with fewer customer complaints than the industry median. It’s ideal for drivers who want to work with an agent and manage their policy in person, not online.
In addition, Auto-Owners offers multiple types of coverage and various car insurance options. All in all, it’s a good choice for those seeking a quality insurance service.
What You Should Know About auto-owners insurance group
Local car insurance companies can provide an array of benefits you may not find with a larger, national insurer. The biggest advantage is the personalized and knowledgeable service that comes with working with a local agent.
Your local car insurance provider will get to know you and your individual needs so that they can tailor coverage for you. You’ll also have someone nearby who understands the laws and regulations in your state and any unique circumstances related to your situation.
Another benefit of choosing a local company is its commitment to giving back to the community where its customers live and work. Many smaller-sized insurers are involved in various charities or volunteer efforts within their hometowns, which is something that’s usually lacking from larger, corporate-owned companies.
Finally, local car insurance providers can often offer more competitive rates than their national counterparts. Because they don’t have to pay for large marketing campaigns or cover as many states, many smaller insurers are able to pass on the savings to customers.
Additionally, because they work closely with you around your particular situation, they may be able to provide tailored discounts that you wouldn’t get elsewhere.
Overall, choosing a local car insurance company offers several advantages over a larger one. From personalized service and community involvement to cheaper premiums and tailor-made discounts, there’s a lot of value in working with an agent who knows your area inside and out.
Auto-Owners Insurance Ratings
Auto-Owners car insurance has a strong reputation for customer satisfaction and is considered one of the top choices for drivers looking to purchase auto insurance coverage.
Auto-Owners has earned an impressive A++ rating for its financial strength from A.M. Best for 47 consecutive years, placing it among the Fortune 500 companies. This only confirms their financial security and stability in the market.
Customers have rated it highly for customer service and coverage options, with competitive premiums to match.
J.D Power’s survey indicates below-average ratings for the claims process and customer satisfaction. J.D. Power gave Auto-Owners car insurance 4.2 out of 5 stars.
The National Association of Insurance Commissioners (NAIC) awarded a score of 0.86, while the Better Business Bureau (BBB) also gave Auto-Owners an A+ rating.
Finally, A.M. Best’s top rating of A++ is a testament to their success in delivering reliable and quality service. Here is a complete overview of their ratings:
- J.D. Power: 4.2/5
- NAIC: 0.86
- BBB: A+
- A.M. Best: A++
The ratings from A.M. Best, J.D. Power, NAIC, and the BBB give customers an understanding of how reliable Auto-Owners Insurance is in terms of coverage options and customer service.
The better the rating a company receives from these industry sources, the more dependable it can be considered for covering your car insurance needs.
The high ratings for Auto-Owners indicate that customers have voiced their satisfaction with its policies and services over the years, making it a top choice for many drivers looking for auto insurance coverage.
Auto-Owners Car Insurance Loss Ratio
The important question here is what is a loss ratio? Why does loss ratio matter when it comes to selecting a car insurance company? The loss ratio is the percentage of money that an insurance company pays out in claims relative to the amount they take in from premiums.
A higher loss ratio indicates that a company is paying out more claims, while a lower number indicates that they are not paying as many.
Auto-Owners car insurance has an overall Loss Ratio of 60.89%. This means that for every dollar it takes in from customers in premium payments, it pays out about 64 cents worth of claims. This percentage is normal for the industry, meaning that the company is performing well.
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auto-owners insurance group Insurance Coverage Options
Auto-Owners customers can also enjoy additional protection options for their vehicles, which feature:
- Road trouble service: This provides roadside assistance, such as fuel delivery, battery jump-starts, lockout services, and flat-tire help.
- Additional expense coverage: This coverage option can reimburse you for rental cars and cover costs of lodging and food if your trip is interrupted.
- At-fault accident forgiveness: This prevents rates from increasing after the first at-fault accident if no at-fault claims or major violations have occurred within the last three years.
- Road trouble service is a great option to consider if you want to make sure you’re never stranded on the side of the road.
Specialty Auto Coverage Options at Auto-Owners
Auto-Owners Insurance offers specialized coverage for classic and modified vehicles. If you are the proud owner of a vintage car, you can obtain an affordable auto policy that provides the protection your vehicle needs.
Auto-Owners also cater to those with modified vehicles, offering coverage to suit their unique needs such as wheelchair lifts or mobility modifications.
Specialty auto coverage offers you peace of mind knowing that your vehicle is protected from damage or theft.
Additionally, this type of policy provides additional protection for the items inside your car such as customizations and accessories, providing you with greater financial security and flexibility in case of an accident.
If you live in these states, you are eligible to purchase car insurance with Auto-Owners.
Auto-Owners Auto Insurance Availability by State
| States Covered by Auto-Owners Auto Insurance | ||
|---|---|---|
| Alabama | Colorado | Idaho |
| Iowa | Michigan | Nebraska |
| Ohio | South Dakota | Virginia |
| Arizona | Florida | Illinois |
| Kansas | Minnesota | North Carolina |
| Pennsylvania | Tennessee | Wisconsin |
| Arkansas | Georgia | Indiana |
| Kentucky | Missouri | North Dakota |
| South Carolina | Utah | |
Auto-Owners currently writes policies in 26 states across the country. Compared to major car insurance companies, this can be disappointing. Fortunately, the company does write policies in many major US states.
If you live in a state where Auto-Owners are available, you will find that their rates are very competitive compared to other leading companies.
Auto-Owners Mobile App Review
Those who have an Auto-Owners car insurance policy and want to access their information on the go can download their mobile app. The reviews for this app are positive, with a 3.1-star rating out of 5.0 in the App Store and a 3.8-star rating on Google Play.
Using the mobile app, policyholders can pay bills, submit roadside assistance requests, view insurance ID cards, and check on the status of claims (though filing claims through the app is not possible).
With this helpful tool at their fingertips, customers can stay connected to their policy details even when they’re away from home.
Auto-Owners car insurance mobile app reviews demonstrate that this platform is dependable and easy to use. Plus, customers can rest assured knowing they’ll be taken care of in the event of an emergency.
The app also provides helpful features like push notifications to alert users when payments are due or when documents are ready for review. This helps ensure customers won’t miss any important policy information and helps them stay on top of their coverage needs.
Overall, Auto-Owners car insurance mobile app is a great tool for policyholders who want access to their policies wherever they go. It’s convenient, efficient, and allows customers to manage their accounts without needing to call their agents every time a problem arrives.
Other Helpful Auto-Owners Policy Features
Auto-Owners offers an array of services to help keep drivers safe on the road. Their 24/7 Road Trouble Service provides assistance with tire changes, jump-starts, gas delivery, locksmith services, and towing.
Plus, they’ve partnered with Safelite Solutions and Quest Claims Service to repair glass and windshields when needed.
For those who want to protect their vehicles while they’re parked, Auto-Owners offers optional comprehensive coverage that provides protection against theft, vandalism, and other perils.
Plus, with the company’s Accident Forgiveness option, customers won’t be held liable for any rate increase after an at-fault accident.
If you’re looking for auto insurance that goes beyond coverage for cars, Auto-Owners also has options available for ATVs, off-road vehicles, motorcycles, motorhomes, and other recreational vehicles. Speak with one of their independent agents today to get a quote.
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Other Insurance Products Offered by Auto-Owners
Auto-Owners offers a broad range of insurance coverage options to meet the needs of its customers.
These include:
- Homeowners
- Life
- Health
- Renters
- Condo
- Mobile homeowners
- Business
- Farmers
- Disability
- Long-term care insurance
Property insurance can also be obtained to help protect your home and possessions from damage or loss. Renters, condo, and mobile home insurance are available for those who don’t own their residence. Personal liability policies are also available as an added protection against certain legal liabilities.
Farm insurance provides specialized protection for agricultural businesses and property owners in high-risk areas, respectively.
The company also provides coverage for floods and the things you value most through an umbrella policy that goes beyond the limits of a standard policy. For example, they offer an optional policy endorsement that extends the coverage of traditional auto insurance to include vehicle replacement costs, towing and labor expenses, as well as car rental reimbursement.
Finally, life insurance and long-term disability policies can also be obtained from Auto-Owners. For those who are especially fond of their pet, they offer medical insurance as well.
Find affordable auto and home insurance bundles.
Read more:
Auto-Owners Homeowners Insurance Review
Auto-Owners is a company that provides multiple types of coverage for dwellings, including homeowners, condo, renters, and mobile home insurance. Customers can receive discounts if they have two or more policies with Auto-Owners.
The homeowners insurance plan provided by Auto-Owners includes protection for the dwelling itself and any detached structures as well as liability in case of accidents on the property.
Personal possessions are also covered, even if not inside the house during a loss. Additionally, living expenses incurred due to displacement after an event will be reimbursed.
Optional add-ons such as equipment breakdown coverage, identity theft expense coverage, and special personal property coverage are available to enhance the standard package offered by Auto-Owners. With these additions, customers can feel comfortable knowing they are protected in any situation.
Auto-Owners Life Insurance Review
Auto-Owners life insurance could be a great choice for policyholders who require coverage and have their home and auto insured through the company. This is because Auto-Owners offers a life multi-policy discount, which can save even more money.
Even though life insurance quotes may not fluctuate as much as auto or home insurance policies of similar types, it can still be beneficial to shop around in order to find the best plan that suits your financial requirements.
Auto-Owners provides multiple life insurance policies, including term life, whole life, and universal life insurance policies.
Term life insurance is a form of coverage that offers protection for a specified amount of time. It pays out a death benefit to the beneficiary in the event that an insured dies within the term period.
Whole life insurance is a permanent policy, which means it will remain in effect until the insured passes away or reaches age 100. It accumulates cash value over time and builds up equity, with some policies offering dividends.
Universal life insurance is similar to whole life but has several additional features such as flexible premiums, adjustable death benefits, and long-term care benefits.
Finally, Auto-Owners life insurance also provides riders (optional coverage) to help customize their policies further, such as accelerated death benefit rider, accidental death rider, children’s rider, and more. (For more information, read our Auto-Owners Life Insurance Company Review“)
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Other Brands Associated With Auto-Owners
The Auto-Owners Insurance Group comprises stock insurer Atlantic Casualty Insurance, Northeast-based property insurer Concord Group, and Southwestern property and casualty insurer Capital Insurance Group. Together, they form a powerful force in the insurance industry.
How to Contact Auto-Owners
Connecting with Auto-Owners is simple. You can call their main line at 517-323-1200 or look up a local agent online.
In addition to phone inquiries, you can use the company website to get in touch with them for any of your needs. You can also take advantage of their toll-free phone numbers for roadside assistance and emergency claims.
Payment Options
Auto-Owners offers various payment options. Simply give them a call at 1-800-288-8740, send an email inquiry, or mail your payments to PO Box 740312 Cincinnati, OH 45274-0312. Payments are accepted Monday through Friday from 8:00 a.m. to 4:30 p.m. EST.
Customer Service
You can look for a local agent using the online search tool, shoot them an email through the online form or just give them a call. Customer service is available from Monday to Friday between 8:00 a.m. and 4:30 p.m. EST, but it is closed on Saturdays and Sundays.
auto-owners insurance group Insurance Rates Breakdown
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| Driver Profile | Auto-Owners | National Average |
|---|---|---|
| Clean Record | $87 | $119 |
| 1+ Ticket | $105 | $147 |
| 1+ Accident | $127 | $173 |
| DUI | $130 | $209 |
| Poor Credit | $150 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
According to our research, the average cost of car insurance from Auto-Owners is significantly lower than the national average, with an annual premium of $1,305 for full coverage and $325 for minimum coverage.
Auto-Owners Full Coverage Average Monthly Auto Insurance Rates by Driving History
| Age and Gender | Auto-Owners Rates | Allstate Rates | State Farm Rates |
|---|---|---|---|
| 45-year-old male with a clean record | $87.16 | $159.92 | $85.97 |
| 45-year-old female with a clean record | $89.26 | $161.76 | $85.97 |
| 45-year-old male with a ticket | $105.25 | $187.93 | $96.03 |
| 45-year-old female with a ticket | $107.73 | $190.09 | $96.03 |
| 45-year-old male with an accident | $127.45 | $225.04 | $102.30 |
| 45-year-old female with an accident | $130.53 | $227.74 | $102.30 |
| 45-year-old male with a DUI | $129.59 | $269.74 | $112.01 |
| 45-year-old female with a DUI | $132.19 | $272.49 | $112.01 |
Drivers of various ages can expect different premiums:
Drivers of various ages can expect different premiums:
- 18-year-olds typically pay $148 per month.
- 21-year-olds pay about $84 /per month.
- 45-year-olds without any violations could expect may expect a rate of around to pay $40 /per month on average.
- 55 and 65-year-olds usually pay roughly $39 and $45 per month, respectively.
However, premiums can increase drastically if drivers have speeding tickets or DUIs on their record. For example, a 45-year-old with a speeding ticket may pay around $54 per month, while those with a DUI could be charged up to $85 monthly.
Auto-Owners is a great choice if your primary goal is to save money on car insurance. In addition, the company offers discounts for good drivers, those with multiple vehicles, and members of certain professional organizations or clubs.
Auto-Owners also provides flexible payment options to help make car insurance more affordable.
Additionally, Auto-Owners has an excellent reputation when it comes to customer service. Their friendly and knowledgeable agents provide quick responses to inquiries and help customers understand their policies.
Overall, Auto-Owners is an excellent option for those looking for low rates on car insurance without sacrificing quality coverage or customer service.
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auto-owners insurance group Discounts Available
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| Discount | Auto-Owners |
|---|---|
| Anti Theft | 7% |
| Good Student | 14% |
| Low Mileage | 10% |
| Paperless | 6% |
| Safe Driver | 20% |
| Senior Driver | 9% |
Auto-Owners Insurance offers a range of discounts to make car insurance more affordable. Multi-policy discounts are available if you combine auto coverage with homeowners, renters, or condo insurance policies.
Paying your premium in full may also give you a discount, as could enrolling for paperless billing and online payments.
Young drivers can benefit from three different student discounts:
- Good grades
- Being away at school
- Using a driving monitoring device
Other customers may be eligible for reduced rates if they remain claims-free and have safety features installed on their vehicles.
Additionally, paying premiums on time is possible for an even bigger saving.
By taking advantage of these discounts, Auto-Owners customers can reduce the cost of their car insurance and keep more money in their pocket. Check with an Auto-Owners agent to see if you qualify for discounts that could lower the cost of your car insurance premiums.
Finally, keep in mind that any discounts received may be subject to change or even cancellation at any time without prior notice, so it’s important to familiarize yourself with these policies before committing.
Make sure you understand how each discount works and what steps you must take to maintain eligibility. This will ensure you get the most out of your savings and enjoy low premiums.
Contact your local Auto-Owners agent for full details about the applicable discounts available.
How auto-owners insurance group Ranks Among Providers
Auto-Owners car insurance is an option for drivers looking for comprehensive coverage. Compared to the rates of other major insurance providers, Auto-Owners appears to be a reasonably cost-effective choice.
Regardless of your driving history, Auto-Owners is cheaper than Allstate, but more expensive than State Farm.
Allstate has the highest rates even with no accident history. Allstate becomes significantly more expensive after one accident, making it clearly the least cost-effective option out of all three companies.
In sum, Auto-Owners is a relatively inexpensive car insurance company but likely will not offer the cheapest rates you can find.
Auto insurance rates vary depending on personal factors, including your age, gender, driving history, and location. Different companies weigh these factors differently, so customers should always compare rates among providers to ensure they are getting the most cost-effective coverage for their specific needs.
Frequently Asked Questions
What types of coverage does Auto-Owners Auto Insurance offer?
Different coverage options are available from Auto-Owners Auto Insurance. Here are the top six types of coverage available:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
- Personal injury protection (PIP) coverage
How can I get a quote for Auto-Owners Auto Insurance?
To get a quote from Auto-Owners Auto Insurance, you can visit their website or contact their customer service directly. They will require some personal information, details about your vehicle, and your desired coverage limits to provide an accurate quote.
How are Auto-Owners Auto Insurance reviews from customers?
Auto-Owners Auto Insurance generally receives positive reviews from customers. They are often praised for their prompt claims handling, helpful customer service, and overall satisfaction with the coverage provided. However, it’s always a good idea to research and read reviews specific to your region, as experiences may vary.
Does Auto-Owners Auto Insurance offer any discounts?
Yes, Auto-Owners Auto Insurance offers several discounts to help policyholders save on their premiums. These discounts may include multi-policy discounts, safe driver discounts, good student discounts, anti-theft discounts, and more. It’s recommended to inquire about the available discounts when obtaining a quote.
Does Auto-Owners Auto Insurance offer roadside assistance?
Yes, Auto-Owners Auto Insurance offers optional roadside assistance coverage. This coverage can provide services such as towing, jump-starts, lockout assistance, fuel delivery, and tire changes in case of a roadside emergency. It’s advisable to review the details and cost of this coverage when considering your insurance options.
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Angie Watts
Licensed Real Estate Agent
Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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helthscreen
Poor service
Vic_the_man
Good Enough
ellenamcd2
Well done Auto Owners Insurance
josechepe2001
Great policies and great road assistance
jessman1128
We love Auto Owners Insurance!
64061
Try auto owners.
VSchmitt
Good company from longtime customer
pallam
Great policy for all our family needs
Tricia987654
Easy to love
db404
Agent mistakenly did not put comp on my oldest vehicle.