Auto-Owners Insurance Group ratings and coverages

How much does Auto-Owners car insurance cost?

There are many things that affect the cost of car insurance: your age, marital status, credit score, where you live, the company you choose, and so on. In the graph below, you can see the average cost of Auto-Owners car insurance compared to the national average cost of car insurance.

The average cost of Auto-Owners car insurance for a single adult is slightly lower than the national average cost of car insurance. Please note that these are average car insurance rates based on a specific profile and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

What discounts does Auto-Owners Insurance offer?

Everyone likes to save money, and Auto-Owners Insurance Group knows that. Auto-Owners offers a variety of discounts on its policies to help lower your premiums. You can take advantage of good driver discounts, multi-policy discounts, and more. If you choose comprehensive coverage, you can also change your deductible to see how it affects your rates. Check out the full list below.

What Auto-Owners car insurance discounts are offered?

• Multi-Policy Discount: Auto-Owners offers a discount if you have other qualifying policies with the company.
• Life Multi-Policy Discount: Auto-Owners offers savings if you have a qualifying life insurance policy with the company.
• Payment History: Auto-Owners offers discounts to customers who have paid their premiums on time for the past 36 months.
• Green Discount: Enrolling in paperless billing can earn you a discount from Auto-Owners.
• Multi-Car: If you have two or more private passenger vehicles on your personal auto policy, Auto-Owners may offer you a discount.
• Paid-in-Full Discount: Auto-Owners offers a discount if you pay your annual premium in full and on time..
• Advance Quote: New applicants who request a quote on an Auto-Owners policy prior to the effective date of the policy may earn a discount.
• Safety Feature Discount: Vehicles equipped with safety features such as anti-lock brakes, airbags or anti-theft devices, may be eligible for a discount from Auto-Owners.
• Favorable Loss History: Auto-Owners customers who have a favorable loss history may earn a discount.
• Good Student Discount: Students who maintain a B average or better may be eligible for a discount from Auto-Owners.
• Student Away at School Discount: Auto-Owners offers discounts for students who are attending school more than 100 miles from home without a vehicle.
• Teen Driver Monitoring Discount: Auto-Owners offers a discount if you permanently install a GPS monitoring device in a vehicle that is operated by a teen driver.

What Auto-Owners home insurance discounts are offered?

• Multi-Policy Discount: Auto-Owners offers a discount if you have other qualifying policies with the company.
• Life Multi-Policy Discount: Auto-Owners offers savings if you have a qualifying life insurance policy with the company.
• Payment History: Auto-Owners offers discounts to customers who have paid their premiums on time for the past 36 months.
• Green Discount: Enrolling in paperless billing can earn you a discount from Auto-Owners.
• Paid-in-Full Discount: Auto-Owners offers a discount if you pay your annual premium in full and on time.
• Advance Quote: New applicants who request a quote on an Auto-Owners policy prior to the effective date of the policy may earn a discount.
• Protective Devices Discount: You can earn a discount from Auto-Owners if your house has protective devices, such as deadbolt locks and fire extinguishers.
• Water Shut-Off System Discount: You can earn a discount from Auto-Owners if your have an approved and properly maintained whole-home water shut-off system that automatically turns off the water supply when a leak is detected.
• Automatic Backup Generator Discount: Auto-Owners may offer a discount if you have a qualifying backup generator.
• Deductibles: If you assume some risk by choosing higher deductibles, Auto-Owners may offer a discount on your premium.
• Mortgage-Free Discount: Auto-Owners may offer a discount if you do not have a mortgage or a line of credit on your home.
• Favorable Loss History: Auto-Owners customers who have a favorable loss history may earn a discount.

Where is Auto-Owners insurance based?

Auto-Owners is based in Lansing, Michigan. Auto-Owners writes insurance in many states across the country and has more than 2.7 million policyholders. It's one of the largest insurance companies in the United States. If you're interested in a quote from Auto-Owners Mutual Insurance Company, make sure to ask an independent insurance agency in your area if they can run a quote.

Does Auto-Owners insurance have roadside assistance?

Auto-Owners offers roadside assistance that you can add to your car insurance policy. The Roadside Assistance Services program is available 24 hours, 7 days a week to help you with many issues you may encounter on the road such as a dead battery, flat tire and so on.

Of course, coverage may be limited in some rural or otherwise difficult to reach areas. You can talk to agents about the specifics if you're going on a road trip or have other specific areas in mind. To access roadside assistance, you can call Auto-Owners' toll free number. Roadside assistance is fulfilled by Quest Towing Services.

What is the rating for Auto-Owners insurance?

Auto-Owners has an A.M. Best rating of A++, which is considered superior.

What more should you know about Auto-Owners Insurance Group?

Auto-Owners only uses independent agents. The company believes it provides a better experience for the consumer, who works with a local, independent insurance agent.

Auto-Owners offers what it calls its “No Problem” claims service, which is highly rated. Auto-Owners says its goal is to be the best provider of claim service in the insurance industry. They work to pay all that they owe on a claim as quickly as they can. Auto-Owners offers 24/7 claims service, and lets you follow the status of your claim via their online Customer Center.

Auto-Owners has seven disaster teams around the country, ready to respond to policyholders if a catastrophic natural disaster or extreme weather hits.

With an online account, Auto-Owners customers can track a claim and their claim history 24/7. Customers can also use their accounts to manage their policies, make payments, and print insurance ID cards.

Customers' choice awards