Auto-Owners’ focus is primarily on providing low rates and personalized customer service.
Contents
Auto-Owners Insurance Company Reviews
If you’re considering purchasing insurance from Auto-Owners, you must know that you can’t buy insurance from the company directly; it is exclusively sold available through independent agents.
About Auto-Owners
Auto-Owners Insurance Group is a mutual insurance company founded in 1916 by Vern V and headquartered in Michigan, Lansing, Michigan, U.S.
This insurance company provides life, home, car, and business insurance and sells their policies only through local, independent insurance agents within their 26 operating states.
Auto-Owners’ average car insurance costs
Auto-owners’ national average annual rate is $1,520 or $126 a month for a good driver. However, the factors mentioned will impact your rates.
- Age
- Marital Status
- Gender
- Car Model
- Location
- Parking Spot
- Driving Record
Coverages
Standard coverages that Auto-Owners offer is:
- Collision
- Comprehensive
- Diminished value
- Medical payments
- Additional expense
- Loan and lease gap
- Bodily injury liability
- Road trouble service
- Property damage liability
- Personal automobile plus
- Personal injury protection
- Uninsured and underinsured motorist
Also, some additional coverages that include:
- Rental cars
- Common loss deductible
- Waived deductible for an accident with another Auto-Owners’ customer
Discounts
Auto-Owners offer discounts to help customers save money. They are:
- Multiple policies
- Multiple policies with life insurance
- On-time payment history
- Paid-in-full
- Paperless billing
- Advance quote
- Multiple cars
- Vehicle safety features
- High deductibles
- Favorable loss history
- Good student discount
- Student away at school
- Teen driver monitoring
Perks
One of the advantages is if you’re in an accident with another Auto-Owners policyholder, your collision deductible will be waived by your collision coverage.
Personal automobile plus package includes several additional benefits to protect you from identity theft and coverage for getting new keys and even replacing your cell phone.
You know, classic cars need different coverage than modern vehicles. Auto-Owners offers a classic car auto policy that protects your vintage auto at much cheaper rates.
Reviews
Reviews.com Score: 4.4
AM Best: A++
J.D. Power: 845*
PROS:
- Service A++ (Superior) financial stability
- Good customer
- Easy-to-use website
- Full service
- Transparent pricing
- Flexible billing options
- Collision coverage advantage
- Received fewer complaints compared to the national average
- Good discount offerings
- Explains coverage well
- Variety of coverage options
CONS:
- No online claims
- No loyal customer rewards
- No online quotes
- Not available nationwide
- Only available from specific independent agents in some states
Auto-Owners auto insurance earned 4.5 stars out of 5 for overall performance from NerdWallet and several other auto insurance research. Based on their study, Auto-Owners is among NerdWallet’s Best Car Insurance Companies for 2022.
