Auto-Owners Car Insurance Review When it comes to protecting your vehicle, you want an insurance company that you can trust. Auto-Owners Car Insurance has been serving customers for over a century, providing reliable coverage and exceptional customer service. In this review, we’ll take an in-depth look at Auto-Owners Car Insurance, exploring their coverage options, discounts, and customer satisfaction ratings. If you’re in the market for car insurance or considering switching providers, this review will help you make an informed decision. So let’s dive in and see if Auto-Owners Car Insurance is the right fit for you! Auto-Owners Insurance is notable for its customizable coverage choices and minimal number of complaints. It’s worth evaluating when comparing different auto insurance policies.
Auto-Owners Car Insurance Review 2024
Auto-Owners car insurance has received positive reviews in 2024 for its comprehensive coverage options and excellent customer service. Policyholders have praised the company for its prompt claims processing and helpful representatives who are knowledgeable and responsive. Auto-Owners offers a range of coverage options, including liability, collision, comprehensive, and uninsured motorist coverage. Additionally, they provide additional benefits such as roadside assistance and rental car reimbursement. With their strong financial stability and commitment to customer satisfaction, Auto-Owners car insurance is a reliable choice for individuals seeking quality auto insurance coverage.
Auto-Owners Car Insurance Pros & Cons
Auto-Owners car insurance has received positive reviews for its extensive coverage options and excellent customer service. With a wide range of coverage options available, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage, policyholders can feel confident that they are protected in the event of an accident or damage to their vehicle. Additionally, Auto-Owners is known for its prompt and efficient claims process, ensuring that policyholders receive the necessary support and compensation in a timely manner. With consistently high customer satisfaction ratings, Auto-Owners car insurance is a reliable choice for those seeking quality coverage and exceptional service.
Pros
- Helpful to new car owners is Auto-Owners’ “purchase price guarantee,” which pays out the original purchase price if your car is totaled within the first two years. There’s also “total loss to a new automobile” coverage that replaces your vehicle with a new one if a total loss occurs within 90 days of your purchase.
- Offers accident forgiveness, diminishing deductible and gap insurance.
- Received a good grade (B) from collision experts on its claim process.
Cons
- Auto-Owners rates are fairly high for drivers with poor credit and parents adding a teen to their policy.
- Doesn’t provide SR-22 filings.
About Auto-Owners Car Insurance
Auto-Owners Insurance was founded in July 1916 in Mount Pleasant, Michigan by Vern V. Moulton and four associates. They expanded their business outside of Michigan in 1935, starting in Indiana, and began selling life insurance in 1966. Presently, Auto-Owners sells insurance in 26 states and is represented by over 48,000 licensed agents. The company offers a range of vehicle insurance options, such as cars, all-terrain vehicles, off-road vehicles, motorcycles, trailers, boats, motorhomes, and recreational vehicles.
Auto-Owners Insurance Reviews and Ratings
We rate Auto-Owners Insurance 8.9 stars out of 10.0 for its extensive coverage policies, impressive financial stability and positive customer reviews. While it’s not quite the top car insurance company, Auto-Owners Insurance performs relatively well across the board.
| Overall Rating | 8.9 |
|---|---|
| Cost | 8.6 |
| Coverage | 9.4 |
| Reputation | 9.1 |
| Availability | 8.3 |
| Customer Experience | 8.3 |
Is Auto-Owners Insurance Good?
When considering an insurance provider, it’s important to do your research and read reviews to determine if they are a good fit for your needs. Auto-Owners Insurance has been providing coverage for over 100 years and has a strong reputation in the industry. In our review of Auto-Owners Car Insurance in 2024, we found that they offer a wide range of coverage options and have competitive rates. They also have a solid customer service track record, with positive feedback from policyholders regarding claims handling and overall satisfaction. However, as with any insurance company, it’s important to carefully review their policies and consider factors such as coverage limits, deductibles, and exclusions before making a decision.
Auto-Owners Car Insurance Cost Comparison for Good Drivers
Auto-Owners car insurance is a highly-rated company that offers affordable coverage options for good drivers. According to recent studies, Auto-Owners has lower average rates compared to other major insurers in the market. The cost of Auto-Owners car insurance can vary based on several factors such as your age, location, driving history, and vehicle type. However, by maintaining a clean driving record and taking advantage of any available discounts, you can save money on your Auto-Owners car insurance premiums.
Auto-Owners has mediocre car insurance rates for good drivers. Its national average rate for good drivers is over $150 below the average of $2,026 per year among the companies we analyzed.
Auto-Owners Car Insurance Cost Comparison for Drivers With a Speeding Ticket
If you have a speeding ticket on your record, it is likely that you will pay more for auto insurance. However, the cost of insurance can vary significantly between different providers. According to recent research, Auto-Owners Insurance offers competitive rates for drivers with a speeding ticket, with an average premium increase of only 19%. It is worth shopping around and comparing quotes from multiple providers to find the best deal for your specific situation. Additionally, taking steps to improve your driving habits and avoid future tickets can help lower your insurance costs over time. Auto-Owners has just okay prices for drivers who have a speeding ticket. If you have a ticket on your driving record, it’s smart to shop around for car insurance quotes because of the wide range in rates among companies.
Auto-Owners Car Insurance Cost Comparison for Drivers Who Caused an Accident With an Injury
When it comes to auto insurance, the cost of coverage after causing an accident with an injury can vary significantly depending on several factors. Auto-Owners is a popular car insurance provider that offers competitive rates for drivers who have been involved in such accidents. However, the actual cost of coverage will depend on factors like the driver’s age, driving history, location, and the severity of the accident. It’s always advisable to compare quotes from multiple providers to ensure you’re getting the best possible rate for your situation. Auto-Owners car insurance costs are decent for drivers who caused an accident with an injury to someone else. The national average is $3,009 a year based on our analysis of rates from top insurers and Auto-Owners’ price is $470 cheaper.
Auto-Owners Car Insurance Rate Comparison for Drivers With a DUI
If you have a DUI on your record, it can significantly impact your car insurance rates. Auto-Owners Insurance is one of the many insurance companies that offer car insurance plans for drivers with a DUI. However, the actual rates will depend on various factors such as age, location, driving history, and the severity of the offense. To get an accurate rate comparison, consider getting quotes from multiple insurance providers and weighing their coverage options against their cost. It’s also essential to disclose any prior convictions or traffic violations to avoid any potential legal issues in the future. Auto-Owners auto insurance prices for a driver with a DUI are a tad more expensive than average. The national average car insurance cost for drivers with a DUI is $3,363 a year in our analysis while Auto-Owners cost is $3,578.
Auto-Owners Car Insurance Cost Comparison for Drivers With Poor Credit
Auto-Owners auto insurance rates are notably high for drivers with poor credit when compared to their competitors. This is because of the correlation between a person’s credit score and the likelihood of making an insurance claim in the future. Most states allow car insurance providers to use a person’s credit score to establish prices, except for California, Hawaii, Massachusetts, and Michigan. Insurers argue that people with a low credit score are more likely to file an insurance claim, hence higher rates.
While this may seem unfair, it is important to remember that car insurance providers need to consider a variety of variables when establishing prices. Some other factors that affect insurance premiums include age, driving history, location, and type of vehicle. If you have poor credit and are struggling with high auto insurance rates, there are steps you can take to improve your credit score over time. This will not only help lower your insurance premiums but also benefit your overall financial health.
Auto-Owners Car Insurance Cost Comparison for Adding a Teen Driver
When it comes to adding a teen driver to your Auto-Owners car insurance policy, the cost can vary depending on several factors. These include the age and gender of the driver, their driving record, the type of car they will be driving, and the coverage options you choose. On average, adding a teenage driver to your policy can increase your premium by up to 50%. However, there are ways to save money such as choosing higher deductibles or taking advantage of discounts for good grades or completing a driver training program. It’s worth exploring all options before making a decision. Auto-Owners average car insurance costs for adding a teen are higher than top competitors. Auto insurance rates can skyrocket when adding a teen to your policy. Parents can easily pay $2,000 more a year to add a 16-year-old driver.
Auto-Owners Car Insurance Cost Comparison for Young Drivers Ages 18 to 25
Auto-Owners car insurance is more affordable for drivers aged 18-25 compared to many other competitors. It is priced over $700 lower than the national average of $3,113 per year among the major insurance companies we assessed. The following rates apply to young drivers with their own auto insurance policies. Typically, costs can be reduced by having young drivers remain on their parent’s policy for as long as possible.
Auto-Owners Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80
For senior drivers aged 65 to 80, Auto-Owners car insurance provides affordable coverage options that vary depending on individual circumstances. As with any insurance policy, the cost of coverage can vary based on factors such as driving record, location, and the type of vehicle being insured. To determine the most cost-effective coverage options for you, it is recommended to compare quotes from multiple insurance providers. Additionally, senior drivers may be eligible for discounts or special rates that can further reduce the cost of their auto insurance premiums. Auto-Owners car insurance costs for drivers ages 65 to 80 are pretty good compared to top competitors. The national average is $2,150 a year, based on our assessment of prices from large insurers. Auto-Owners is more than $300 a year below the average.
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Auto Insurance Complaints Against Auto-Owners
Auto-Owners receives fewer auto insurance complaints compared to many major insurers, as reported by state insurance departments nationwide. Auto-Owners’ complaint levels are significantly lower than the industry average. The primary auto insurance complaints against Auto-Owners involve claim delays, inadequate claim settlements, and the handling of claims by adjusters.
Auto-Owners Grade from Collision Repair Professionals: B
Auto-Owners received a B grade in a survey of collision repair professionals conducted by the CRASH Network. It’s important to take into account the perspectives of auto body professionals as they have insights into how insurance companies utilize lower-quality repair parts, their support for manufacturer repair procedures, and the effectiveness of their claims processes in providing prompt and satisfactory service to customers.
Does Auto-Owners Offer Accident Forgiveness?
Certainly, Auto-Owners provides accident forgiveness insurance as an optional addition. The enhanced coverage, which comes at an additional cost, is specifically for drivers with a clean claims record and no major violations for 36 months prior to opting for this benefit. Auto-Owners will waive the accident surcharge for policyholders who have this coverage and experience their first at-fault accident after adding it. Additionally, the company’s Collision Coverage Advantage will also waive the collision deductible if the accident involves another vehicle insured by Auto-Owners.
Does Auto-Owners Offer New Car Replacement?
Auto-Owners offers new car replacement coverage that can be added to a policy. Their purchase price guarantee is similar to this coverage and will pay the original purchase price of your new vehicle if it is totaled, minus any deductible. This coverage is applicable for up to two years from the purchase date, and is only available to the original title owner of the vehicle.
Does Auto-Owners Offer Gap Insurance?
Auto-Owners offers loan or lease gap insurance, which covers the shortfall between your car’s value and the remaining amount owed on the vehicle. For example, if your insurance values the car at $20,000 but you still owe $25,000, the gap coverage would cover the $5,000 difference if the car is totaled.
Does Auto-Owners Offer a Diminishing Deductible?
Certainly, Auto-Owners offers a diminishing deductible option, which allows the insurance company to decrease your deductible after a period without accidents.
Does Auto-Owners Offer SR-22s?
Auto-Owners does not offer SR-22 insurance. People who need an SR-22 certificate may have a history of multiple traffic accidents or have been charged with driving without car insurance.
Does Auto-Owners Offer Usage-Based Insurance?
Auto-Owners used to offer a usage-based insurance program called TrueRide in Ohio, but it was discontinued in 2024. These programs monitor your driving behavior and typically provide discounts for demonstrating good driving habits.
Does Auto-Owners Offer Pay-Per-Mile Insurance?
Auto-Owners does not offer pay-per-mile car insurance. Pay-per-mile car insurance involves a base rate as well as a per-mile rate, which can be advantageous for infrequent drivers.
Does Auto-Owners Offer Rideshare Insurance?
Certainly, Auto-Owners provides an option for rideshare insurance. Rideshare insurance is occasionally offered by car insurance companies as a policy endorsement to address coverage gaps for rideshare drivers. Lyft and Uber typically offer limited insurance coverage for drivers and may not cover the period when a driver has the app open but has not yet accepted a ride. In this case, a personal auto policy endorsement can provide coverage for that part of the trip.
Additional Auto-Owners Coverage Options
Auto-Owners offers a range of add-on coverages that customers can opt for. These additional coverages include roadside assistance, rental car reimbursement, gap insurance, and accident forgiveness. Roadside assistance provides help in case of vehicle breakdowns or other emergencies while rental car reimbursement covers the cost of renting a car while your own is being repaired after an accident. Gap insurance helps bridge the gap between what you owe on your vehicle loan and its actual cash value in case of a total loss. Accident forgiveness is a program that protects drivers from rate increases following their first at-fault accident.
Additional expenses coverage
If your vehicle is unusable due to a covered issue, such as a car accident, this coverage will pay for expenses like a rental car. Additionally, if you are stuck far from home, it can also cover costs for lodging and meals.
Diminished value
If your car is in an accident, its value might depreciate (even after repairs are made). This coverage compensates you for a reduction in value.
Personal automobile plus package
This package includes 10 additional coverage types like identity theft, replacing your cell phone and re-keying locks.
Roadside assistance insurance
If you break down on the side of the road, this coverage pays for services, such as a tow truck, battery jump-start, locksmith, refueling and changing a flat tire.
Auto-Owners offers another advantage known as the Common Loss Deductible. If you have both your car and home insured with Auto-Owners and both suffer damage from the same event, such as a tornado, your auto insurance deductible will be decreased by the amount of your personal property deductible, or waived if it is lower than your personal property deductible.
Auto-Owners Car Insurance Discounts
Auto-Owners provides a variety of options for customers to save on car insurance. Here are the different car insurance discounts offered by Auto-Owners.
- Advance quote discount: New customers who ask for a premium quote before the effective date of the policy could qualify for a discount.
- Good student discount: If your student driver maintains a “B” average or higher, you could get a discount of up to 20%.
- Green discount: Get this discount for signing up for paperless billing and paying your auto insurance premium online.
- Multi-car discount: If you insure two or more vehicles with Auto-Owners, you’ll receive a discount.
- Multi-policy discount: Bundling another insurance policy (such as home insurance or life insurance) with your auto policy can land you a discount.
- Paid-in-full discount: This is for paying your auto insurance bill in full for the entire term.
- Payment history discount: You’ll get this if you’ve paid your car insurance on time for 36 months or more.
- Safety features discount: Make sure to get this discount if your car has safety features such as airbags, anti-theft devices and anti-lock brakes.
- Student away at school discount: This price break applies when your student is attending school more than 100 miles from home and is without a vehicle.
- Teen driver monitoring discount: Ask about this if you have a GPS permanently installed in the car your teen primarily drives.
More Insurance from Auto-Owners
In addition to car insurance, Auto-Owners sells:
- Home insurance
- Umbrella insurance
- Life insurance
- Pet insurance
- Business insurance
- Commercial auto insurance
- Workers compensation insurance
- Commercial umbrella insurance
Auto-Owners Insurance Mobile Apps
Auto-Owners Mobile provides users with round-the-clock access to their insurance policies, allowing them to handle policy-related tasks from their mobile phones using the app. Additional features comprise:
- Bill pay
- Manage automatic payments
- Request roadside assistance
What States Does Auto-Owners Car Insurance Operate In?
Auto-Owners car insurance is available in 26 states:
- Alabama
- Arizona
- Arkansas
- Colorado
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Michigan
- Minnesota
- Missouri
- Nebraska
- North Carolina
- North Dakota
- Ohio
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Utah
- Virginia
- Wisconsin
Are Auto-Owners Insurance Rates Competitive?
Auto-Owners provides some of the most competitive rates on the market for a regional insurer. The table below shows how Auto-Owners stacks up against other regional and national providers in terms of average monthly and annual costs.
| Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $126 | $1,512 |
| Erie Insurance | $122 | $1,458 |
| Nationwide | $119 | $1,433 |
| Geico | $133 | $1,596 |
| Auto-Owners Insurance | $135 | $1,619 |
| State Farm | $138 | $1,657 |
| Progressive | $169 | $2,030 |
| Travelers | $133 | $1,595 |
| Allstate | $217 | $2,598 |
| Farmers | $264 | $3,169 |
Methodology
Finding the best car insurance company requires evaluating multiple factors, including auto insurance rates, coverage options offered, complaints against the company, and the collision repair process. By comparing these criteria across different companies, you can determine which provider offers the best value for your needs. It is essential to choose a company that provides reliable coverage and has a good reputation for customer service. Additionally, reading reviews from other customers can help you get an idea of their experiences with the company and whether they would recommend it.
Auto insurance rates (50% of score)
Data from Quadrant Information Services was utilized to determine the average rates from each company for various types of drivers, including good drivers, those who have caused accidents, individuals with speeding tickets, drivers with a DUI, those with poor credit, drivers caught without insurance, those adding a teen driver, senior drivers, and young drivers. The rates are based on a 40-year-old female driver with a Toyota RAV4 and specific coverage, unless stated otherwise.
- $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
- Uninsured motorist coverage of 100/300.
- Collision and comprehensive insurance with a $500 deductible.
Car insurance coverage options (25% of score)
It is essential for an auto insurance company to offer the fundamental coverage of liability insurance, collision and comprehensive coverage, along with other standard options. Moreover, access to additional coverage types such as accident forgiveness, new car replacement, vanishing deductibles, usage-based or pay-per-mile insurance, and SR-22s is crucial for enhanced protection and potential savings.
Complaints (20% of score)
Complaint data from the National Association of Insurance Commissioners was utilized. Each state’s department of insurance is responsible for recording and overseeing complaints against companies operating within their jurisdiction. The majority of auto insurance complaints revolve around claims, such as unsatisfactory settlements, delays, and denials. Companies with a ratio below 1.00 have lower complaint levels compared to the industry average of 1.00.
Collision repair (5% of score)
We integrated ratings of insurance companies from professionals in the collision repair industry. The data was sourced from CRASH Network, a weekly newsletter that focuses on the collision repair and auto insurance sectors. The grades used in CRASH Network’s Insurer Report Card were based on feedback from over 1,000 collision repair professionals to evaluate the quality of auto insurers’ collision claims service.
Auto-Owners Insurance Reviews 2024: FAQ’S
Which company is best for car insurance claim?
| Car Insurance Company | Motor OD Claim Settlement Ratio FY23 | Network Garages |
|---|---|---|
| Liberty Car Insurance | 98.00% | 4,500+ |
| IFFCO Tokio Car Insurance | 95.80% | 4,300+ |
| Digit Car Insurance | 96.00% | Repair anywhere |
| Bajaj Allianz Car Insurance | 98.50% | 4,000+ |
Is Auto-Owners expensive?
Compared with other regional providers, we found Auto-Owners to be affordable for most drivers on average. Good drivers tend to pay an average of $122 per month or $1,458 per year for a full-coverage policy with the provider. This is far below the national average of $2,008 per year.
What company owns Auto-Owners?
According to our research, Auto-Owners is owned by Auto-Owners Insurance Group.
What is Auto-Owners best rating?
Our research shows that Auto-Owners received an A++ financial strength rating from AM Best, a nationally recognized independent insurance rating authority that provides scoring to companies based on their credit and trustworthiness.
What type of insurance does Auto-Owners Insurance offer?
Auto-Owners Insurance offers liability, comprehensive and collision insurance, along with personal injury protection, medical payments insurance and uninsured motorist coverage. Additional coverage types and bundling options include homeowners and renters insurance.
Is Auto-Owners Insurance available in Florida?
Yes, Auto-Owners Insurance is available in Florida. The company typically offers affordable rates for car insurance to drivers in the Sunshine State.
Where is the Auto-Owners Insurance headquarters?
Auto-Owners Insurance is headquartered in Lansing, Mich., though the company has local agents and offices across the United States.
Is Auto-Owners the same as AAA?
No, Auto-Owners Insurance is not the same as AAA. Auto-Owners is a separate company that sells auto, home and life insurance. AAA stands for the American Automobile Association, and is a large enterprise that sells services and products across multiple industries. AAA has several insurance groups, such as the Auto Club Property-Casualty Insurance Company.
Summary
Auto-Owners Car Insurance is a trusted provider that offers comprehensive coverage and excellent customer service. With their wide range of policy options and competitive rates, they are a top choice for many drivers. Their commitment to customer satisfaction and prompt claims handling sets them apart from other insurance companies. If you’re in the market for car insurance, Auto-Owners is definitely worth considering. Make sure to read our full review for more details on their coverage options and benefits. If you live in a state where Auto-Owners Insurance offers coverage, it can be worth getting a quote from the company. The insurer’s rates tend to trend below the national average for costs and there are several car insurance options available for you to choose from.
