Auto-Owners Car Insurance Review for 2025 [Rates + Complaints]

This review of Auto-Owners car insurance gives a detailed view of why the company is highly preferred. It provides excellent coverage, especially for high-risk drivers and customized or collector cars.

The plans start from $33 per month, and Auto-Owners Insurance offers special features such as the Personal Auto Plus plan. Although commended for its A++ A.M. Best score and extensive policy offerings, specific feedback points to limited reach in 26 states and occasional service issues.

Auto-Owners Insurance Ratings

Rating Criteria
Overall Score	4.3
Business Reviews	4.5
Claim Processing	4.8
Company Reputation	4.5
Coverage Availability	4.4
Coverage Value	4.2
Customer Satisfaction	4.2
Digital Experience	5.0
Discounts Available	5.0
Insurance Cost	4.0
Plan Personalization	4.5
Policy Options	3.8
Savings Potential	4.3

Auto-Owners Insurance is ideal for drivers seeking specialized insurance, but it’s always wise to compare several coverage options, including the cheapest car insurance companies, to secure the best rate.

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Comparing Full and Minimum Coverage Costs

This section breaks down auto insurance rates for Auto-Owners according to driver age, gender, and kind of coverage. The table displays the premium fluctuations for minimum and full coverage plans, along with trends for various age groups and genders.

Auto-Owners Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Young drivers, especially teenagers, have to pay much more for insurance. The most expensive rates are paid by 16-year-old boys, based on the numbers. On the other hand, people in their 30s and 40s get lower rates that keep going down as they get older. Female drivers often pay less than male drivers, which shows how gender and age are significant in deciding insurance costs.

Things you do that can raise your premium, such as having accidents, getting DUIs, or receiving tickets, can drastically affect your monthly costs. Rates are higher for drivers with accident or DUI records than for those with clean driving histories. For instance, the minimum coverage rises to $48 a month after one accident and $51 a month following a DUI.

Tickets also increase rates, with the cost for full coverage climbing to $105. However, drivers with no violations pay the lowest, enjoying $33 for minimum and $87 for full coverage.

Auto-Owners Insurance Car Insurance Coverage

The Auto-Owners auto insurance company was founded in Michigan in 1916. Over the past century, Auto-Owners Insurance has grown into the 17th-largest mutual insurance company in the United States.

With a solid A++ rating from A.M. Best, the company can pay its claims promptly. Auto-Owners Insurance reviews from consumers have been mostly positive. Today, Auto-Owners has 48,000 independent agents in the company’s states.

With a wide range of options, Auto-Owners offers drivers protection in all situations. These plans offer various coverage options, including liability, collision, custom modification, and gap insurance, providing comprehensive protection for all demands and conditions.

Auto-Owners Car Insurance Coverage Options

Different types of car insurance coverage motorists can obtain through Auto-Owners Insurance include:

• Basic Liability: This is the minimum legal requirement in most states. It covers any damage and injuries caused by the insured in an accident up to the policy limits.
• Collision: With this type of coverage, the insurer pays for any damage to the vehicle, regardless of fault or circumstance, up to the stated limits on the policy and subject to the insured’s deductible.
• Comprehensive: Also known as “full coverage,” this policy covers anything that might happen to the vehicle up to the policy limits, including theft, vandalism, and most natural disasters. The Auto-Owners comprehensive policy also includes glass replacement, veterinary services, rental car reimbursement, gap insurance, and roadside assistance at no extra charge.

Through Auto-Owners auto insurance, consumers can access less common types of coverage. These options provide additional flexibility for unique insurance needs.

• Personal Injury Protection: Usually abbreviated as “PIP,” this type of coverage is also known as “no-fault insurance,” and as of 2020, is a legal requirement in 12 states (noted below). PIP covers medical expenses and loss of income for the driver and any passengers up to the policy’s stated limits.
• SR-22: Properly speaking, this is not an actual insurance policy. Instead, it is a certificate proving the insured carries adequate liability coverage. SR-22 is a legal requirement for motorists convicted of driving under the influence or having many moving violations or accidents on their driving records.

In addition to the standard types of coverage, drivers who own difficult-to-insure vehicles such as vintage, collector, or custom cars can find a policy with Auto-Owners Insurance.

The company also offers several add-ons with its Personal Auto Plus package. This is a rider that covers several situations, such as:

• Loss or Damage to Mobile Devices, Including GPS Units
• Loss or Theft of Auto Accessories Such as Sound Systems
• Trip Interruptions
• Rental Cars and Trailers
• Lost Keys

The Auto-Owners insurance company also covers ATVs, RVs, motorcycles, and trailers. Boat insurance is not available; however, you may be able to get coverage for watercraft under a homeowners policy.

Maximizing Savings with Auto-Owners Insurance Discounts

Most insurers offer various discounts, and Auto-Owners is no exception. A common way to save is through their multi-policy discount, which rewards customers for insuring multiple vehicles or bundling auto coverage with other policies like homeowners, renters, or life insurance.

Auto-Owners Car Insurance Discounts by Savings Potential

Discount
Bundling	20%
Accident-Free	15%
Safe Driver	15%
Multi-Vehicle	12%
Anti-Theft Device	10%
Good Student	10%
Vehicle Safety Features	8%
Pay-In-Full	7%
Early Signing	5%
Paperless Billing	5%

This bundling can lead to significant savings on premiums. Additionally, bundling simplifies policy management by consolidating everything with one insurer. Other discounts for which you may qualify:

• Driving Record: Like many insurers, Auto-Owners Insurance offers better rates to motorists who have not incurred moving violations. You may be able to lower it even more by attending traffic safety and defensive driving classes.
• Mature Discount: This discount is for experienced motorists of retirement age with good driving records (not available in all states).
• Safety Equipment: Cars with anti-lock brakes, anti-theft devices, and road sensors qualify for lower-priced coverage.
• Teen and Student Drivers: Young, inexperienced drivers generally cost more to insure. However, students who maintain a high GPA or whose car has GPS monitoring installed can get substantially better rates.
• True-Ride Discount: Available only in Ohio, Auto-Owners offers this discount to drivers who participate in its telematics program. This involves the installation of a device that monitors a driver’s acceleration and braking habits. (For more information, read our “Car Insurance with Telematics.”)

Auto-Owners offer various discounts, making it easier for customers to save on their premiums. Whether you bundle policies, maintain a clean driving record, or own a hybrid vehicle, these discounts allow significant cost reductions tailored to your situation.

Additionally, Auto-Owners reward drivers with advanced quotes and full payment discounts, increasing potential savings.

The Influence of Age and Gender on Insurance Premiums

For drivers in their 30s and older, Auto-Owners offers competitive auto insurance rates compared to its main competitors. Factors that affect the price of car insurance, such as gender and age, clearly play a role in determining premiums, with Auto-Owners offering some of the best deals for customers of all ages.

Auto-Owners Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$448	$519	$168	$176	$162	$160	$158	$157
	$315	$364	$98	$103	$89	$87	$87	$85
	$597	$629	$160	$167	$139	$139	$136	$136
	$220	$254	$90	$87	$80	$80	$78	$78
	$522	$626	$174	$200	$171	$174	$167	$170
	$303	$387	$124	$136	$113	$115	$111	$112
	$591	$662	$131	$136	$112	$105	$109	$103
	$229	$284	$94	$103	$86	$86	$84	$84
	$530	$740	$99	$108	$98	$99	$96	$97
	$180	$203	$74	$79	$59	$59	$58	$57

By comparing Auto-Owners against Allstate, Farmers, and Progressive, we find that they provide more reasonable policies for various age groups. Premiums for younger drivers, particularly men under 18, are much higher, while those for Auto-Owners are relatively lower. Vehicle owners in their 60s enjoy steadily reduced prices.

Auto-Owners Premiums by Driving History

As discussed in this section, your Auto-Owners premium may vary according to your driving record and the insurance company you choose. Violations such as tickets, accidents, and DUIs impact various insurance companies’ monthly prices.

Does a parking ticket affect your insurance? Parking tickets generally don’t affect your insurance rates, but moving violations like speeding can have an impact.

Auto-Owners Car Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$87	$105	$127	$130
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206
	$59	$67	$78	$108

Auto-owners’ rates are competitive, especially for drivers with clean records or minor violations. For example, those with spotless records pay $87, while those with a DUI pay $130—still less than some others. Take Liberty Mutual as an example; their DUI rate reaches $313.

Auto-Owners Coverage Across U.S. States

Auto-Owners auto insurance can sell their products in many states of the U.S., both traditional and no-fault ones, with coverage options designed to meet local requirements.

The states where Auto-Owners is active include Alabama, Arizona, Florida, Georgia, Idaho, Illinois, Michigan, Minnesota, Missouri, Utah, Virginia, and Wisconsin. Several places, for example, Kansas, Kentucky, Michigan, Minnesota, North Dakota, Pennsylvania, and Utah, are no-fault states.

With Auto-Owners being widely accessible, drivers in these areas can find complete insurance choices that fit their local needs.

Filing a Car Insurance Claim with Auto-Owners

Auto-Owners Insurance has locally based claims offices in all states it is licensed to operate. Filing a car insurance claim after an accident is as simple as contacting the agent with whom you purchased your coverage. The company website states that its claims services are available 24 hours a day, seven days a week, including holidays.

Before contacting your agent, however, there are a few things to remember when in an accident:

• Call 911 and render aid to the injured as far as possible.
• Obtain names, contact information, and license numbers for all involved parties.
• Contact the police.
• Get photos or video of the accident scene.
• Contact your insurance agent as soon as possible.

Under no circumstances should you discuss the accident with anyone other than law enforcement. Do not admit responsibility or make a cash offer to the other driver.

Once you have filed a claim with your local insurance agent, Auto-Owners offers different options that enable you to track your claim status. You can sign up for online access to your account on the World Wide Web on your PC or through a mobile phone app.

You also have a few different options for receiving your settlement:

• Direct Deposit
• PayPal, Venmo, or Another Third-Party Payment Service
• Auto-Owners Visa Claim Card

According to Auto-Owners auto insurance reviews, customers have been satisfied with how the company handles the claim process. As of 2022, the company has received only 121 complaints over the past three years, with 51 closed in the last 12 months. It also has an A+ rating from the Better Business Bureau.

Auto-Owners’ Range of Coverage Options

While car insurance is Auto-Owners’ primary line of business, the company also offers coverage for the following:

• Homes
• Rental Units
• Farms
• Businesses

Auto-Owners also offer whole, term, and universal life policies and annuities. It bears mentioning that, unlike other major insurance groups, Auto-Owners underwrites its policies.

If you are in a state where Auto-Owners work and want to lower your car insurance cost, consider combining policies like home, life, or business insurance. This way of bundling can give significant discounts. Because of this saving potential and all-around coverage option, Auto-Owners has become a good choice for people looking to save money on their insurance.

Auto-Owners Car Insurance: Pros and Cons Breakdown

Auto-Owners Insurance stands out with its strong financial rating and affordable rates. Why do you need car insurance? Car insurance defends you against monetary downturns caused by mishaps, burglary, or harm – it covers your possessions and responsibilities. Auto-Owners offers coverage for high-risk drivers and custom vehicles, starting at $33 monthly and an A++ A.M. Best score.

• Specialized Coverage: A small number of providers meet the specific requirements of bespoke, vintage, and collector vehicles.
• A++ Financial Rating: The company has an A++ rating from A.M. Best, indicating strong financial stability and reliability in paying claims.
• Extensive Agent Network: With 48,000 independent agents, Auto-Owners has broad reach and personal service in 26 states.

Because of these benefits, Auto-Owners is a good choice for people who need budget-friendly, specific insurance. The appealing cost and solid financial rating are the main reasons for choosing it.

However, Auto-Owners insurance has some drawbacks. The company is only available in some places and sometimes needs help with customer service. These issues might make some people think twice before choosing this insurance.

• Limited State Availability: Auto-Owners operates only in 26 states, making its service area smaller than other big national companies.
• Filing Claims Through Agents: Auto-Owners need claims submitted through agents and do not offer entire online claims handling.

Even with these limits, Auto-Owners remains a good option for people in its service regions, especially drivers who want specific insurance policies.

On Reddit, people are talking about their experiences with auto-owner insurance. One user, eddie2911, has a good story about Auto-Owners Insurance. They say they had such a positive time using the company that they’re willing to pay more money just so this company can take care of their claims well.

Another user, GodsTyrant, says perfect things about Auto-Owners insurance company. They say it is one of the best and other companies should be like them. Both comments show people are pleased with how this company helps them. Reddit discussions like this offer valuable customer insights.

Reliable Choice Backed by 100 Years of Experience

Auto-Owners Insurance has built a strong reputation after a century of providing dependable coverage alternatives and receiving high financial and customer satisfaction scores.

Auto-Owners Insurance Business Ratings & Consumer Reviews

Agency
	Score: 870 / 1,000 Above Avg. Satisfaction
	Score: A+ Excellent Business Practices
	Score: 80/100 Positive Customer Feedback
	Score: 0.75 Fewer Complaints
	Score: A++ Superior Financial Strength

A reputable option for those looking for both standard and specialty insurance, Auto-Owners has an A++ rating from A.M. Best and an A+ from the Better Business Bureau. It can give low prices to drivers, which is considered risky, and for cars that are hard to insure, making it different in the market.

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— Auto-Owners (@AutoOwnersIns) April 12, 2023

Car insurance by state is very important for coverage options, and auto owners offer insurance in 26 states. However, because it only serves some states and sometimes has service problems, this might not be so good for some people who have their policies with them. Despite these limitations, Auto-Owners is still a good option for many people because it offers many services and is in robust financial health.

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