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Auto-Owners Insurance: Compare Ratings, Rates, Discounts & Coverages

Auto-Owners Insurance Group was established in 1916 in one room of a commercial building in the central Michigan city of Mount Pleasant. Today, Auto-Owners is based in Lansing, Michigan and is one of the nation’s largest insurance companies, writing insurance in 26 states for more than 2.7 million policyholders. Auto-Owners offers multiple lines of insurance including life, home, auto and business, all while using only independent agents.

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.

Auto-Owners car insurance rates

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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.

Auto-Owners car insurance discounts:

  • 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 the vehicle that is operated by a teen driver.

Auto-Owners home insurance discounts:

  • 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.

What coverages does Auto-Owners Insurance Group offer?

Looking for more ways to personalize your insurance coverage with Auto-Owners? Auto-Owners offers additional insurance policies with options to customize your coverage to best fit your needs.

Auto-Owners auto insurance coverage options

Rental car: This add-on coverage pays the cost of a rental car while your vehicle is being repaired from a car accident.

Common loss deductible: If both your home and car are insured with Auto-Owners and you have a loss that involves damage to both your home and vehicle, Auto-Owners will reduce your auto deductible by the amount of the personal property deductible.

Road trouble assistance: If you locked your keys in your car or ran out of gas, this additional coverage will be there to help you.

Auto-Owners homeowners insurance coverage options

Water backup: This coverage protects your home and valuables in the case of water damage caused by drains and some pumps. Coverage for water backup is available with a wide range of limits to suit your needs.

Equipment breakdown: Covers electrical and mechanical failures from air conditioners and heating units to computers and major appliances.

Homeowners Plus: This coverage is an add on to your policy that provides additional coverage for damage to your property caused by household appliance leaks, increased coverage limits for spoiled food from power failures and more.

Guaranteed Home Replacement Cost: This additional coverage provides full replacement of your home in the event that home is a total loss and your coverage limit is too low.

Below is a list of other insurance products that Auto-Owners offers.

Auto-Owners Insurance FAQ

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.

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. 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.

More about Auto-Owners Insurance Group

Auto-Owners only uses independent agents. Auto-Owners relies on independent agents because the company believes it provides a better experience for the consumer, who works with a local, licensed insurance expert.

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.

What states does Auto-Owners Insurance Group do business in?

Auto-Owners Insurance Group sells car and motorcycle insurance in 26 states and homeowners and renters insurance in 25 states. See the state Auto-Owners Insurance Group sells in below and click the link to see how Auto-Owners Insurance Group compares to the other top companies in that state.

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