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How do customers rate Southern-Owners Insurance Company?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Southern-Owners Insurance Company ratings and coverages

Southern-Owners Insurance Company in Florida is part of the Auto-Owners family of mutual insurance companies.

The Southern and Auto-Owners insurance phone number is the same, but the Southern-Owners insurance address is local. There are local agents throughout Florida to help customers get quotes and buy coverage.

Get free quotes here and compare policy options in our Southern-Owners car insurance review below.

Southern & Auto-Owners Insurance Reviews

A review of Auto-Owners Insurance is a Southern-Owners car insurance review because they are the same company. Auto-Owners sells policies in Florida under the Southern-Owners name.

Auto-Owners financial ratings and customer service are relatively well-reviewed, although local customers have complaints regarding the website.

The Southern-Owners Insurance Company A.M. Best rating is the same as Auto-Owners: A++ Superior. It is well-equipped to pay out on claims, and, since it's a mutual insurance company, policyholders often receive annual dividends based on financial performance.

Southern-Owners Insurance Customer Service Review

How good is Auto-Owners insurance? In most states and regions, Auto-Owners insurance reviews have exceptional customer service. However, Florida policyholders feel differently.

Southern-Owners Insurance in Florida is the bottom two company for customer satisfaction in the annual J.D. Power survey. And while Auto-Owners insurance complaints are low, Florida drivers are dissatisfied with its online offerings and how long it takes to reach an agent.

The fastest way to reach a Southern-Owners auto insurance agent is through the personal number they provided when you bought or renewed your policy. If you don't have a personal agent, call the local Southern-Owners insurance phone number in Florida at 863-687-4505.

Southern-Owners Insurance Company Claims Review

Policyholders are happy with Southern and Auto-Owners insurance claims service overall.

Auto-Owners is the top seven company for auto claims satisfaction, according to J.D. Power. It's also among the top ten companies for home insurance claims.

Great claims service is due, in part, to the ample coverage Southern-Owners offers. You can buy and customize a wide array of insurance policies to ensure you are protected in the event of a claim.

Unfortunately, reaching an agent is the biggest complaint among Southern-Owners drivers.

To file a claim, you must go online or call a local agent. If it's after hours, you can call the Southern-Owners Insurance Company claims phone number at 1-888-252-4626.

Southern-Owners Insurance Rates

Auto-Owners insurance quotes average $154/mo for full coverage, but Florida rates can vary by city. For instance, Auto-Owners insurance in Tampa is likely more expensive than in Kissimmee but cheaper than in Miami.

Since Southern-Owners is a smaller company, rates are often higher than other national providers. When you compare Auto-Owners insurance vs. State Farm, State Farm is $25 less per month.

Enter your ZIP code above to find out how much you should pay for car insurance.

What coverages does Southern-Owners Insurance Company offer?

Southern-Owners provides the type of car insurance required in Florida:

  • Property damage liability
  • Personal injury protection (PIP)

You may also choose to add the following types of insurance for full coverage:

  • Bodily injury liability
  • Collision insurance
  • Comprehensive insurance
  • Uninsured/underinsured motorist protection

Other types of coverage you can add include:

  • Roadside assistance
  • Gap insurance
  • Rental gap coverage
  • Diminished value protection

Adding any of those to your policy will increase your monthly rates.

How to Buy Southern-Owners Car Insurance

You can't buy Southern-Owners insurance online or get quotes. The company proudly serves customers with knowledgeable local agents.

Follow these steps to connect with an agent and get car insurance:

  • Find a Local Agent: Research online and ask for recommendations from friends and family.
  • Make an Appointment: Call the Southern-Owners Insurance phone number or visit a local Auto-Owners Insurance in Florida.
  • Discuss and Ask Questions: Explain your coverage requirements, budget, and ask about discounts.
  • Receive Quotes: The agent will provide quotes for different types of policies and coverage.
  • Compare and Choose a Policy: Compare the coverage options, premiums, deductibles, and any additional benefits.
  • Sign Policy and Pay: Review the policy documents carefully before signing. You can choose to pay in monthly or annual installments.

Make sure you have the following ready when you speak with an agent:

  • Vehicle details, including VIN, make, and model
  • Driver's license
  • Current/previous insurance policy

You may also need to provide proof of your driving history, such as a restricted license.

Once you buy a policy, your agent will give you a Southern-Owners insurance login to use on the company website to pay bills and manage your policy.

If you're interested in other types of Auto-Owners Insurance in Texas, Florida, or another state, explore the policies below.

Specialty Coverage

ATV insurance

Specialty Coverage

Business insurance

Specialty Coverage

Classic car insurance

Specialty Coverage

Commercial auto insurance

Specialty Coverage

Farm & Ranch Insurance

Specialty Coverage

Farm insurance

Specialty Coverage

Motorhome Insurance

Specialty Coverage

Trailer Insurance

Bottom Line on Southern-Owners Insurance Company

Southern-Owners Insurance is available in Florida for around $154/mo for full coverage. It has strong financial ratings, but customer reviews are mixed.

Who owns Southern-Owners Insurance? Auto-Owners is the parent company, and Auto-Owners Insurance Company reviews are positive — except in Florida.

Frequently Asked Questions

Is Southern-Owners Insurance the same as Auto-Owners?

Yes, Southern-Owners Insurance Company sells Auto-Owners car insurance in Florida.

Who owns Southern-Owners Insurance Company?

Auto-Owners Insurance Group owns Southern-Owners Insurance.

Who owns Auto-Owners?

As mutual insurance companies, Southern and Auto-Owners Insurance are owned by Auto-Owners policyholders.

What states does Auto-Owners Insurance write in?

Auto-Owners car insurance is available in 26 states, including Florida, Georgia, Indiana, and Michigan.

How do I get an Auto-Owners insurance quote?

You must speak to an Auto-Owners or Southern-Owners agent to get quotes and buy car insurance. Call the local Southern-Owners Insurance Company phone number at 863-687-4505 to reach a Florida agent.

Is Auto-Owners Insurance good?

Auto-owner reviews and customer satisfaction are above average in most regions, especially regarding claims service. Unfortunately, the Auto-Owners insurance rating in Florida is very poor.

What is the credit rating of Auto-Owners Insurance?

Auto-Owners insurance companies have a Superior A++ financial rating from A.M. Best.

How are Southern-Owners insurance reviews?

Customer satisfaction in Florida is below average. The Southern-Owners Insurance Company website lacks many of the tools other companies have, and policyholders who prefer to work online are frustrated with having to call an agent.

How long has Auto-Owners Insurance been in business?

Auto-Owners was established in 1916 and has underwritten nearly three million policies over more than 100 years.

Where is the headquarters for Auto-Owners Insurance?

Auto-Owners headquarters is located at 6101 Anacapri Blvd., Lansing, MI 48917. The local Southern-Owners Insurance company address is 2710 W. Memorial Blvd., Lakeland, FL 33802.

What is the Southern-Owners Insurance Company claims address?

You can mail Southern-Owners insurance claims and other documents to Southern-Owners Ins. Co. P.O. Box 1567 Lakeland, FL 33802

What is the Southern-Owners Insurance claims phone number?

Reach out to your local agent or call 1-888-252-4626 to file a claim after hours. You can also file Southern-Owners claims online.

What states does Southern-Owners Insurance Company do business in?

Southern-Owners Insurance Company sells car insurance in 1 state. See the state Southern-Owners Insurance Company sells in below and click the link to see how Southern-Owners Insurance Company compares to the other top companies in that state.


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