Auto-Owners is a multi line car insurance company that operates in 26 states, making it one of the largest insurance companies in the United States. Here are a few other key things to know about Auto-Owners Insurance:
Offers auto insurance, home insurance, life insurance, and more
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Auto-Owners Insurance Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 12/08/2025.
Auto-Owners Insurance is rated 3.7/5 by WalletHub’s editors, based on customer reviews, insurance quotes, and ratings from organizations such as J.D. Power and the Better Business Bureau (BBB). Auto-Owners car insurance earns high marks for customer service and coverage options, and its premiums are competitive as well.
Auto-Owners differs from many other major insurers in that customers must purchase and make changes to their policy through independent agents rather than a centralized office. The company writes policies in 30 states, including Michigan, California, and Florida.
Auto-Owners Insurance Ratings
Reviews on WalletHub:2.3/5
J.D. Power:3.3/5
NAIC:0.58
BBB:A+
AM Best:A+
Auto-Owners Car Insurance Review Highlights
Rank — Cheapest quartile of major car insurance companies in terms of price, according to WalletHub’s research.
Top Discounts — Multi-car, multi-policy and good student discounts.
Basic Coverage Options — Bodily injury liability, property damage liability, medical payments, personal injury protection, uninsured/underinsured motorist, collision, and comprehensive insurance.
Extra Coverage Options — Personal automobile plus package, roadside service, additional expense coverage, loan/lease gap coverage, and diminished value coverage.
Other Specialty Auto Insurance — Commercial auto insurance, classic car insurance, and modified car insurance.
To help drivers better understand how much Auto-Owners Insurance costs, WalletHub’s editors obtained sample Auto-Owners car insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full Auto-Owners Insurance review.
Auto-Owners Insurance Quotes
Driver Profile
Average Quote
18-Year-Old
$150 per month
21-Year-Old
$98 per month
45-Year-Old
$58 per month
45-Year-Old with a Speeding Ticket
$80 per month
45-Year-Old with DUI
$127 per month
55-Year-Old
$57 per month
65-Year-Old
$56 per month
Auto-Owners ranked in the second quartile of WalletHub’s cheap car insurance comparison, meaning its rates are competitive but not the cheapest around.
Despite its name, Auto-Owners offers a wide variety of coverage options for dwellings, including homeowners, condo, renters, and mobile home insurance. Customers can also save with a multi-policy discount if they have two or more types of coverage with Auto-Owners.
Auto-Owners’ homeowners insurance includes coverage for:
The dwelling itself
Any detached structures on the property
Personal liability
Injuries to others that occur on the property
Personal possessions, even if they aren’t in the house itself at the time of a loss
Expenses if policyholders need to stay elsewhere after a covered loss
Besides coverage that is automatically included, Auto-Owners offers many optional add-ons. For instance, customers can choose to add equipment breakdown insurance, identity theft expense coverage, or special personal property coverage, among others.
Bottom Line: Is Auto-Owners Insurance a Good Company?
Auto-Owners is a pretty good insurance company, with fewer customer complaints than average. It’s a good choice for drivers who want to interact with an agent rather than purchase a policy directly from a car insurance company and manage it online. Auto-Owners also boasts many other types of insurance as well as optional car insurance add-ons.
To learn more, read WalletHub’s complete Auto-Owners Insurance review or check out some of the reviews from fellow consumers below.
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Auto-Owners Insurance
mohammadnawid2023 @mohammadnawid2023
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1 Star Rating
The worst insurance I have ever had. I was locked out of my vehicle and I called my provider to know the estimated time. "He said it's 20 minutes," and then I waited for 30 more minutes but didn't receive any calls. I gave them a call back and suddenly the estimated time became 1 hour. The worst service. 👎👎👎
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Jam Badr @lazarus_qqq
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1 Star Rating
I am writing this review as a long-standing customer of Auto-Owners Insurance to detail a severely negative claims experience following a hit-and-run incident. I highly recommend potential customers rethink using this company based on the lack of support, communication issues, and unprofessional handling of my claim. Date of Incident: March 26, 2024 The Incident: My 2016 Corvette, in perfect condition, was struck by another vehicle while legally parked in a designated spot. The driver, an 85-year-old woman, fled the scene. A witness fortunately left a note with the vehicle’s license plate number. Failure of the Adjuster (Gina Marcantonio): Upon contacting Auto-Owners, I was assigned Claim Adjuster Gina Marcantonio. Her handling of the claim was entirely inadequate from day one. * Refusal to Investigate: When I provided the witness's note with the license plate number, Gina dismissed it as "not a serious thing" and refused to use that information to identify the at-fault driver. * Independent Investigation Required: It took me over a month to perform the adjuster’s job: I identified the driver, found her address, located her insurance information, obtained the police report, secured body cam footage from the detective, and even found video of the incident. Without my independent work, Auto-Owners would not have been able to pursue subrogation (recouping damages). * Misinformation Provided: Before my car even went in for repairs, Gina provided false information to the at-fault driver's insurance adjuster, stating my repairs only amounted to $2500 and that I was "fully paid." This directly caused delays and issues with the other insurer making their payments. The Repair and Payment Dispute: The total cost for the primary and secondary damages verified by the repair shop was $7159.45, which I paid entirely out of pocket in good faith that my insurer would reimburse me. Despite the shop manager speaking to Gina multiple times to confirm that all damages were related to the accident and that I had paid in full, Gina continued to insist I would not be paid the full amount. The shop manager even called her while I was present to verify that I was a customer and had incurred the full expense. Failure of Leadership and Executive Team: When standard channels failed, I escalated the issue to management. The response was dismissive and unhelpful. * Chris Khavari, the Claims Department Manager, explicitly stated that "nobody in the company cares" and that he couldn't be told what to do about this injustice. * I contacted multiple executive office members (Lynette, Garry ext. 55540, Amber Senken, Sydney ext. 55539, and Ali ext. 59265). Every single contact lied, changed their story, and refused to honor my legitimate claim. Conclusion: Instead of thanking a long-time client for doing their investigative work for them, Auto-Owners has ripped me off, lied to me, and refused to pay for damages I am entitled to under my policy. This company demonstrates a shocking lack of accountability and customer care. I strongly advise against trusting them with your assets.
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s_leuschen @s_leuschen
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5 Star Rating
We just settled a water damage claim with Auto-Owners. Kim Kinard was our adjuster, and I can't say enough good things about how she made the experience stress-free. As a first-time claimant in over 30 years, I am very pleased with how easy it was. At no point did we feel ignored or brushed off. Throughout the repairs, whenever something unexpected popped up, there was no squabbling or back-and-forth with coverage; Auto-Owners simply accepted it. I've seen numerous negative reviews, but I can clearly state our experience was very pleasant and would highly recommend Auto-Owners as an insurance provider.
Sheldon
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chuck johnson @c_w_johnson
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5 Star Rating
We have our auto and home insurance covered through Auto-Owners. Recently, we filed a claim due to a broken drain pipe, which ran under the garage floor, through the home foundation, and across the front lawn to the main drain. Yes, it was not a pretty sight. I contacted our agent, Detlor Belleville, and they suggested filing a claim. We did, and the services provided through Auto-Owners and our agent were great. The entire project/claim was covered, minus our deductible. Outstanding Services and Coverage!
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Yuri Vieceli @yuri2025
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1 Star Rating
Scam. They sent us a refund once, and that was their mistake. But they said no actions required, and they took $320 more from us than they refunded because we did nothing to earn the money.
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peggy ferrell @psferrell
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1 Star Rating
We were insured through Auto Owners and had a claim due to a "spongy" floor in our 5th wheel camper. According to the dealer, whom we took it to, the damage was caused by a leak at the rear of our refrigerator. This is something we would never have known was happening until we noticed something amiss with our floor. That is what we were told by the dealer, and Auto Owners was informed of the same. Not only were we talked down to by a third-party employee named Eric, he practically called us dishonest and stated he would not accept the word of the dealership that was repairing our camper. Eric, who works for an appraisal company, was hired by an Auto Owners agency out of Lapeer, MI, to come out and assess the damage to our camper. We were actually insured with Auto Owners through Duncan Insurance Agency in Armada, MI. Our insurance agent, nor the agency he worked for, supported us, and then Auto Owners hired an appraiser, who was dismissive, and disregarded the word of the dealership, relying solely on what he (Eric) declared. Beware when dealing with Auto Owners. They may have a good rating with the BBB, but their customer service is terrible. I have had insurance all my life, with full coverage on most things, and at age 65, I have had fewer than a half dozen claims in my entire adult life. Shame on you, Auto Owners.
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mercedes perez @nairobi342
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1 Star Rating
In July 22, 2025, my husband and I had an accident. The driver hit my vehicle while trying to change lanes and then fled the scene. He is insured by Auto Owners Insurance Company. On August 4, I spoke with a claim representative to whom I sent all the pictures, including the license plate number, one picture showing the driver trying to cover his face, and the traffic report. Four days later, Auto Owners Insurance Company sent me a letter stating "Liability Denial." I advise caution when dealing with this company.
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Kmc91981 @Kmc91981
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1 Star Rating
Their roadside assistance is the worst—hands down! Waiting for two hours for a lockout service because their untrained customer service representatives are clueless.
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jj jorg @peppfe2
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1 Star Rating
Broken back window in my Ford truck. I paid the entire amount at a reputable glass repair shop, and they did a beautiful job for $744. I paid my deductible of $500, and Auto-Owners was to cover $244. This happened 6 months ago, and after submitting a claim and contacting them three times—once on my own to submit the claim online initially and then following up two more times—I have received no response from them. I don't think it's a good idea to have a policy with Auto-Owners. I can't recommend them since I never heard back, and I have since switched to Travelers Insurance. Could you imagine this scenario if you actually had a larger problem?
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Bill Keg @bkeglewitsch
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1 Star Rating
Terrible company. "Lie, cheat, and steal" should be their tagline. We were hit by an EF-2 tornado in February. We are still fighting to get our roof covered. Initially, they had an "adjuster" visit the house. He couldn't determine whether the damage to our brand-new roof (only 4 months old at the time of the storm) was due to wind damage. Really? It's 4 months old. After months of complaining and threatening, they sent an engineer to assess the damage (but only after I made a BBB complaint). The engineer determined that the damage was due to moisture under the underlayment and not wind. Really? How did moisture get under the underlayment when the existing roof was torn off and installed on the same day? Additionally, the report claimed that the winds that day were only 40 mph. Again, really? We lost more than 40 large trees. Some were easily 80 feet tall and 200 years old. If 40 mph wind can take down a tree, how did that tree become 80 feet tall, 28 inches in radius, and 200 years old? Not a single thing they have said or done has been accurate, honest, or in good faith. Never, I mean NEVER, trust this company. They are worse than thieves.
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ken spurbeck @ken_spurbeck
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1 Star Rating
I drive an average of 2 times a week, driving less than 7,000 miles a year. I have no tickets or accidents. However, my insurance has nearly doubled in recent years. I pay $16.99 every time I get in my car. I used to tell people what a good company Auto-Owners was, but not anymore. Price gouging is what it is; greed. I never thought of giving up my license, but it's ridiculous what I pay. Auto-Owners blames costs, but it's greed. My son-in-law works for an insurance company, and he was bragging about the huge bonuses they received. I'm very disappointed with Auto-Owners.
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charbeneau49 @charbeneau49
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1 Star Rating
I have had Auto-Owners insurance on my cars for years. I am a 75-year-old with no tickets, no claims, and excellent credit. I paid $2,800 in 2023 for car insurance, and now they are billing me $10,000 for 2024. They just lost this customer. I am taking my car insurance and home insurance elsewhere. This is truly age discrimination!
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Racerxr1000 @Racerxr1000
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1 Star Rating
After 25 months of fighting Auto Owners on their bad faith, it has been proven that the 2018 code clearly states it is the manufacturer's guidelines that need to be followed. I am mystified how an insurance adjuster and his bosses do not know or understand the 2018 UBC Roofing Code. Finally, I asked every Auto Owners adjuster, including Terry Oliver, my adjuster handling my claim, his boss William Johnson, and his boss Matt Sawyer, if you now understand the 2018 UBC Roofing code regarding spaced decking—1/4 inch gaps are up to the manufacturer's guidelines, which require the decking to be a nailable surface—not Auto Owners adjusters' wilful ignorance of the code. They corresponded eight times that 1/4 inch gaps were nailable and denied eight times that decking was a code-covered item, insisting I pay $7,000 for code-covered decking. Without decking, the roof is sure to leak; there is no installation warranty or 50-year shingle guarantee. Really, Auto Owners, no pride, just cheap and greedy when paying claims, just stacking profits and leaving homeowners with roofs that leak. Auto Owners is an "accept all payments, deny all or major parts of claims" insurance company. State Farm never did this to me. I was trying to save money with Auto Owners—great plan until you have a claim. They put me through heck, lied and lied, and were professional at covering up one another, and explaining 'nailable' as just not covered. They finally paid for decking after it was rubbed in their faces with the 2018 Unified Building Code, which every state, county, and city uses. Oh, that did not work, Auto Owners. After 22 months, you insisted I had to get a letter from the City explaining and approving the decking as required by city code. The zoning department does not send out insurance letters, but I am civic-minded and know the city and got the impossible letter. Only then was the decking approved, which only took 23 months and 500 hours for me, probably only 1 hour to say no eight times. Decking is normally approved by insurance with just a few pictures and one phone call. Auto Owners is refusing to pay for decking, and it's code-covered by insurance.
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deborah demitrish @dsdemitrish
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1 Star Rating
DO NOT TRUST AUTO OWNERS INSURANCE. Auto Owners Insurance discriminates against seniors and individuals with disabilities by not paying claims and blaming injuries on your lifetime of medical records. Auto Owners Insurance has left me in financial, medical, and emotional ruin since suffering a traumatic brain injury after being rear-ended in a crash. My car is wrecked and was never fully repaired. I have no money for the needed surgeries or therapy.
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Auto-Owners Insurance Q&A(104 questions)
Get answers to your questions about Auto-Owners Insurance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can call Auto-Owners at 1 (800) 346-0346. Customer service representatives are available Monday to Friday from 8:00 a.m. to 4:30 p.m. ET, and they can assist you with things like getting a quote, billing information or making changes to your policy. You can also contact Auto-Owners by emailing customer service or visiting a local agent.
How to Contact Auto-Owners
Phone: Call 1 (800) 346-0346 to speak with a customer service representative.
Online: Go to Auto-Owners' website and use the chat function.
Mail: Mail your request to
Auto-Owners at Auto Owners 6101 Anacapri Blvd Lansing, MI 48917.
In person: Visit an Auto-Owners agent at their office.
The best way to contact Auto-Owners representatives depends on what exactly you're looking to do. For instance, to file a claim, you can file over the phone. However, to cancel your policy with Auto-Owners, you have to call (800) 288-8740. Auto-Owners also has different numbers for the specific departments that can assist you with your policy or provide roadside assistance.
Auto-Owners has free towing for customers with roadside assistance coverage, though the company does not specify a towing mileage limit on its website and says that limits vary by policy. Auto-Owners roadside assistance generally costs about $60 per year. Customers can request roadside assistance online or they can call 1-888-869-2642.
Yes, Auto-Owners is a legitimate insurance company that offers auto insurance, home insurance, life insurance, business insurance and more. Auto-Owners sells policies in 26 states, has good customer reviews, and is cheaper than average.
Why Auto-Owners Is Legit
Auto-Owners has been in operation since 1916 and is based in Lansing, Michigan.
Auto-Owners has an A+ from the Better Business Bureau.
AM Best gave Auto-Owners an [ct-Auto-Owners-AM-BEST] rating for its financial...
The phone number for Auto-Owners roadside assistance is 1-888-869-2642, and representatives are available 24/7. You can also request assistance through Auto-Owners' website or mobile app for roadside services like towing and battery jump-starts.
Auto-Owners Roadside Assistance Contact Information
Yes, Auto-Owners offers gap insurance as an optional policy add-on. Auto-Owners gap insurance pays the difference between a totaled car's actual cash value and your remaining loan or lease balance, though you will be responsible for paying a deductible.
The cost of Auto-Owners gap insurance depends on factors like your state and your vehicle's value. Regardless, purchasing gap insurance from an insurance company is usually a better investment than purchasing this coverage from a dealership, where...
Full coverage car insurance from Auto-Owners costs [ct-CA-Auto-Owners-full-annual], on average, and is more expensive than a liability-only policy since it provides more coverage.
Yes, Auto-Owners has glass coverage for customers with comprehensive insurance. Auto-Owners customers can file a glass claim under their comprehensive coverage if their windshield was damaged due to something besides an accident, such as an animal, a weather event, or vandalism. If the windshield was damaged in a crash, drivers can file a claim with their collision insurance if they were at fault or with the at-fault driver's liability coverage.
Fixing a cracked or chipped windshield is important for...
Auto-Owners is owned by Auto-Owners policyholders, since it is a mutual insurance company and its shares are not available to investors on the public market. Among the 10 largest car insurance companies in the U.S., four are mutual insurance companies.
Yes, Auto-Owners offers personal injury protection car insurance where required by state law. Personal injury protection (PIP) is a type of auto insurance that pays medical bills after an accident regardless of who was at fault, so it is often referred to as no-fault insurance. States with no-fault laws require drivers to carry PIP, and the coverage is optional in many other states.
Yes, Auto-Owners does have a military discount of 25% off a customer's auto insurance premium, but only in Louisiana. The Auto-Owners military discount is available to eligible members of the United States Armed Forces community who are based in Louisiana or whose spouse and/or dependents live there. However, there is no official Auto-Owners military discount for drivers in other states.
Louisiana is the only state that requires car insurance companies to offer military discounts,...
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