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Jerry Data & Research
Auto-Owners Car Insurance Review (June 2024)
Auto-Owners Insurance is a well-reviewed, large insurance company that sells car, life, homeowners, renters, and business insurance at affordable rates.
Written by Hillary Kobayashi
Edited by Sarah Gray
Auto-Owners Insurance Company offers a myriad of insurance products, including tons of
car insurance
coverages and discounts. They have competitive car insurance rates and overall positive reviews; however, they aren’t available in every state. Auto-Owners car insurance reviews and ratings
Auto-Owners is an overall great car insurance company.
In 2023,
Jerry's
research team analyzed real customer reviews of Auto-Owners. Overall, Auto-Owners received a four out of five rating. Additionally, when it came to customers’ thoughts on Auto-Owners, 66.7% of their comments were positive, 16.7% were neutral, and 16.7% were negative. Criteria | Rating |
|---|---|
Cost rating | 4.16 |
Customer service rating | 4 |
Claims processing rating | 3.75 |
Buying processing rating | 4 |
Renewal processing rating | 4.4 |
Auto-Owners Insurance is an accredited business through the Better Business Bureau (BBB). It has an average of 1.45 out of five stars, or an A+, for customer reviews1.
AM Best gave Auto-Owners and A++, or Superior, rating. Auto-Owners also has received a lower number of complaints with the National Association of Insurance Commissioners (NAIC).
Drivers who responded to the
J.D. Power 2023 U.S. Insurance Shopping Study
gave Auto-Owners a slightly below average rating in the overall customer satisfaction index ranking in the category of mid-size insurers. Auto-Owners received 862 out of 1,000 points2. Auto-Owners car insurance pros and cons
There are a few good and bad points to weigh about Auto-Owners before choosing them as your car insurance provider:
Pros- Sells a ton of different insurance products
- Affordable and competitive rates
- Lots of discounts
- You can receive a quote from their website
Cons- Not available in every state
- Limited name recognition
Auto-Owners car insurance discounts
Auto-Owners offers a nice array of car insurance discounts:
Discount | How it works |
|---|---|
If you purchase another policy with Auto-Owners, you can earn a discount. | |
Life multi-policy discount | Receive a discount by bundling life insurance with another policy. |
Pay your premium on time for 36 months straight and earn a discount. | |
Save on your insurance rate by paying in full and on time. | |
Green discount | Sign up for paperless billing and receive a discount. |
Advance quote | This discount is available to new applicants. If you request a premium quote before your policy’s effective date, you can earn a discount. |
Insure more than one car on your policy and receive a discount. | |
Safety feature discounts | You might be able to receive a discount if your car has certain safety features, like anti-lock brakes, anti-theft devices, or airbags. |
Favorable loss history | You can earn a discount for favorable loss history. |
If a student maintains a “B” GPA, they are eligible for up to 20% off their premium. | |
Students who go to school more than 100 miles away from their home without a car in tow are eligible for a discount. | |
Teen driver monitoring discount | Install a GPS device on your teenager’s vehicle or sign them up for a special app and receive a discount. |
Auto-Owners types of coverage
Auto-Owners also sells an impressive variety of insurance products, such as:
- Home:Homeowners insurance, condo insurance,renters insurance, rental dwelling insurance, mobile home insurance, umbrella insurance, property and valuables insurance, farm insurance, pet insurance, flood insurance
- Auto: Auto insurance, motorcycle insurance, ATV and off-road vehicle insurance, motorhome and RV insurance, boat insurance, trailer insurance
- Life: Life insurance, term life insurance, universal life insurance, whole life insurance, annuities insurance, disability income insurance
- Business: Business insurance, commercial auto insurance, workers compensation insurance, bonds insurance, loss control insurance, commercial umbrella insurance
Auto-Owners car insurance coverage options
Auto-Owners car insurance offers tons of
coverage options
. Their policies will include the state minimum liability coverages that are required by law in your state. You can also choose to increase your limits and adjust your deductible (this can lower your rate). Additionally, Auto-Owners sells full coverage insurance policies.
Here are all of the types of car insurance coverage Auto-Owners sells:
Type of insurance | What is covers |
|---|---|
Collision coverage is an optional coverage that is usually included in a full-coverage policy. It covers repair costs or vehicle replacement costs when you get in an accident. | |
Comprehensive coverage is an optional coverage that is usually included in a full-coverage policy. It covers damage to your car in incidents other than collisions, such as fire, vandalism, weather, animal strikes, and more. | |
Most states require drivers to purchase basic liability coverage. Liability coverage pays for damage to others, including any legal defense if you are sued following an accident. Bodily injury liability and property damage liability are usually included. | |
Uninsured motorist coverage will pay out if a driver who doesn’t have insurance coverage or who doesn’t have high enough limits causes injury, damage, or death. | |
MedPay will cover medical expenses, hospitalization costs, and more after an accident. | |
PIP will cover medical expenses, hospitalization costs, and more after an accident. | |
This optional roadside assistance coverage will help you out during a roadside emergency. It offers towing, jumpstarts, fuel delivery, locksmith services, tire changes, and more. | |
Additional expense | Helps pay for a rental car if your car is involved in an accident and cannot be driven. It can also cover other incidentals, like home, lodging, and food. |
This insurance covers the difference between your car’s actual cash value and the amount that you still owe on your car loan when your car is a total loss after an accident. | |
Diminished value | If your car is not worth as much as it was prior to an accident—despite repairs—this coverage will make sure that you are compensated for your vehicle’s lost value. |
Rental auto gap | Gives you coverage for your portion of liability under a rental car agreement. |
Additional benefits of an Auto-Owners policy
At-fault accident forgiveness
: Your accident surcharge will be waived after your first at-fault accident. Collision coverage advantage: Your collision deductible will be waived if you get into an accident with another Auto-Owners policyholder.
Common loss deductible: If something damages both your home and your vehicle and both are insured through Auto-Owners, your car deductible will be reduced by the amount of your personal property deductible. It might also be waived.
Rental cars: If you rent a car, you’ll be covered by everything that is on your policy in addition to other fees and charges that a rental car company might charge you if you are involved in an accident in a rental car.
Auto-Owners car insurance quotes
Our team at
Jerry
has compiled the following average annual premiums for full coverage and minimum coverage from Auto-Owners Insurance. Here’s how they stack up against competitors: Provider | Full coverage | Minimum coverage |
|---|---|---|
Auto-Owners | $158 | $36 |
$193 | $85 | |
$130 | $66 | |
$222 | $98 | |
$176 | $127 | |
$155 | $61 | |
$178 | $79 | |
$141 | $59 |
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FAQ
Does Auto-Owners have a mobile app?
Auto-Owners has a mobile app that allows you to pay your bill, access claim information, view policy documents, request Road Trouble Service, switch to paperless billing, obtain a temporary proof of insurance, and download your proof of insurance.
Meet our experts
Hillary Kobayashi
Hillary Kobayashi is an insurance writer and editor specializing in insurance and finance topics. Hillary’s mission is to use her knowledge and love of education to help car owners better understand how they can save time and money on car ownership. The articles Hillary has published for Jerry span topics from state-specific bill of sale requirements to SR-22 insurance information.
Prior to joining Jerry, Hillary spent over ten years in education at Pacific University and the University of Oregon.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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