Auto-Owners Insurance Review
Auto-Owners Insurance is rated 3.6/5 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: 2.9/5
- J.D. Power: 4.2/5
- NAIC: 0.86
- BBB: A+
- A.M. Best: A++
Auto-Owners Car Insurance Review Highlights
Rank — Second 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
$148 / month
$84 / month
$40 / month
45-Year-Old with a Speeding Ticket
$54 / month
45-Year-Old with a DUI
$85 / month
$39 / month
$45 / 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.
Auto-Owners Homeowners Insurance Review Highlights
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.