Customers with a variety of insurance needs may find that bundling them with Auto-Owners, which offers a wide range of coverage options and receives few complaints, is a convenient and cost-effective option.
Pros and Cons
Quotes from agents only
Consistently strong financial ratings
No proper online information available
Unique Auto Owners Auto Insurance Features
Auto Owners provides a solid range of additional coverages beyond the basic coverage policies.
Purchase Price Guarantee:Purchase Price Guarantee ensures that your vehicle's value is determined by the purchase price, not its current market value, even though cars depreciate naturally.
Rental Car Coverage: Having rental car coverage could help you cover the costs of renting a vehicle after an accident.
Loan Gap/Lease Gap: Because of depreciation, you may be stuck with the bill for a totalled vehicle if your debt exceeds its current market value. Loan or lease coverage, another name for gap insurance, ensures that your insurer will cover the remaining balance.
Diminished Value: If your car's value is reduced as a result of accident-related repairs, diminished value will cover the difference.
Personal Automobile Plus Package: The Auto-Owners Automobile Plus Package from Auto-Owners includes a wide range of convenient extras at a low, one-time price. More than ten additional benefits are included, such as the replacement of a lost or stolen cell phone, locksmith services, and protection against the cost of identity theft.
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Auto Owners Auto Insurance Coverages
Insurance for classic cars and modified vehicles, such as wheelchair lifts, is available through Auto-Owners, as is insurance for vehicles that have been converted or modified in other ways. With Auto-Owners, you can also choose from a variety of additional car insurance policies.
Average Annual Cost of Car Insurance with Auto Owners Insurance Co versus National Average
Auto Owners Insurance Co Average Rate
Speeding Ticket on Record
Auto Owners Auto Insurance Discounts
Multi-policy discount: Bundle multiple policies with Auto-Owners to find savings on your premiums.
Life multi-policy discount: Save money by pairing an Auto-Owners life insurance policy with your auto policy.
Payment history: If you’ve paid your premium on time for at least 36 months, you can receive a discount.
Paid-in-full discount: Pay your annual premium in full at the beginning of your policy to find savings.
Green discount: If you go paperless with your billing and make payments online you could receive a discount.
Advance quote: Any new applicant who requests an insurance quote prior to their policy’s effective date can receive a discount.
Multi-car: Having more than one vehicle on your policy can mean a lower premium.
Safety feature discounts: Safety features like anti-lock brake systems (ABS) or anti-theft devices could qualify you for a discount.
Deductibles: If you choose a higher deductible, you could see a reduced policy premium.
Favorable loss history: If your driving history is relatively clean, you could see big savings.
Auto Owners Complaints and Customer Satisfaction
There are 49 consecutive years in which Auto-Owners has been rated A++ (Superior) by AM Best, the highest possible rating. It sets the insurance company apart from the competition because many others are unable to reach this level.
In 2021, Auto-Owners received an average rating of 0.89 out of a possible 1. There has been a slight increase since 2020, when the score was 0.86, and in 2019, when it was just 0.67. Regardless, Auto-Owners has a higher level of customer satisfaction than many of its rivals.
Auto-Owners is made up of a number of subsidiary companies, each of which focuses on a specific region. Auto-Owners works with over 48,000 licenced agents in over 100 offices across 26 states. Auto-Owners also inspires confidence with its long-standing record of perfect financial ratings from AM Best, in addition to its excellent customer satisfaction ratings.
About Auto Owners Car Insurance
Auto Owners Mutual Insurance Company is a Fortune 500 mutual insurance company that includes Atlantic Casualty Insurance Company and Concord Group. Auto-Owners, covers a wide range of vehicles, from motorcycles to motor homes to recreational vehicles to ATVs. Homeowners, pet, flood, and life insurance are just a few of the many options available, in addition to a wide range of commercial insurances.
A Brief History of Auto Owners
Vern V. Moulton and four of his associates founded Auto-Owners in 1916. Auto-Owners Insurance Group, headquartered in Lansing, Michigan, has 48,000 licenced agents in 26 states. As a great place to work, Auto-Owners is well-known for its excellent customer service.
Beginning in 1966, Auto-Owners began offering a wider range of coverage options, including life and health insurance. Over 5.35 million policies are currently in place, with a total policyholder surplus of $13.8 billion, according to the company's 2020 Annual Report. Auto-Owners is present in 26 states and has more than 100 claim centres to choose from.
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Auto Owners' Charitable Causes
Auto-Owners have a long and proud history of giving back to the communities where their employees live and work. Good corporate citizenship includes helping those in the communities where their business is conducted. A-O, the independent agents who represent them, and their policyholders benefit from their charitable contributions. A-O Gives Back Program is a part of this.
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Frequently Asked Questions
Does Auto Owners insurance cover rental cars?
Yes. If you have car insurance, most insurance companies will extend coverage to your rental vehicle. Auto Owners insurance got rental car coverage.
Is Auto Owners a good insurance company?
Auto-Owners Insurance is an average car insurance provider, scoring 79 out of 100. Auto-Owners scored above-average for customer satisfaction, excellent for complaints and stability, but below-average for discounts.
Does Auto Owners insurance have roadside assistance?
Auto-Owners' 24-hours-a-day roadside assistance service covers you in a variety of situations, including if you lock your keys in your car or suffer a flat tire or dead battery. It extends to all 50 states and Canada.
Does Auto Owners insurance have a grace period?
Yes, Auto-Owners has a grace period of 7 days for new cars. This means that existing customers have 7 days to officially add a new car to their insurance policy and purchase any additional coverage that it may need.