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This auto insurer is a good fit for: Drivers who want one-on-one support and those seeking unique coverage options. Read our full Auto-Owners car insurance review to learn about everything it has to offer.
Auto-Owners offers competitive pricing to teen drivers and those with an accident history. But adults with clean records may be able to find a more affordable rate elsewhere.
The company doesn't offer as many car insurance discounts as some of its competitors. The discounts it does offer are pretty easy to achieve, though.
Auto-Owners offers flexible policies and gives drivers the choice of several unique endorsements. Its diminished value coverage, in particular, is something most other insurers don't offer.
Auto-Owners is best known for its great customer service. It sells its policies through a nationwide network of independent agents, so it's a great fit for those who value personalized support when they need it.
Monthly premium costs:
Auto-Owners puts a strong emphasis on personalized support, and judging by its customer reviews, it's paid off. The company scored well in every region it appeared in on the latest J.D. Power U.S. Auto Insurance Satisfaction Study. It has also received fewer complaints than is typical for a business of its size. This indicates that most customers are happy with the service Auto-Owners provides.
Young drivers and those with an accident history are typically perceived as riskier and insurers often charge them more. This is also true of Auto-Owners, but its rates for these drivers fall below the national average.
Auto-Owners offers comprehensive coverage for all types of vehicles. This includes classic cars and converted or modified vehicles. For those with wheelchair lifts or other costly modifications, this extra coverage is invaluable.
Getting in a car accident can reduce the value of the vehicle, even after it's been repaired. Drivers who purchase this optional endorsement from Auto-Owners are compensated for this reduction in value.
Auto-Owners operates through a network of independent agents in 26 states. But drivers who don't live in one of these states will have to get quotes from other companies.
The only way to get an Auto-Owners car insurance quote is to call the nearest independent agent. After gathering all the relevant information, the agent will call the applicant back with a quote. It's not the most efficient process, but this approach could be useful for those who are new to auto insurance and aren't sure how much coverage they need.
Auto-Owners' car insurance rates aren't quite as competitive for drivers with a clean record. However, those who qualify for one or more car insurance discounts may be able to secure an affordable price.
When looking for an insurer that's available everywhere and has great online tools: State Farm offers auto insurance in all 50 states and it enables drivers to get a quote and purchase a policy entirely online if they don't want to speak to an agent. But it also has a network of local agents for those who prefer personalized service.
When looking for an insurer that offers great rates to everyone: Geico is best known for offering affordable rates to most drivers. It also offers numerous discounts to help drivers save even more.
Auto-Owners car insurance premiums are pretty competitive for drivers with an accident history and young drivers who are more likely to get into accidents. But its rates for older drivers with clean records are actually a little above the national average.
This may not be the case for all drivers, though. Many factors go into a car insurance quote, including the driver's accident history, their address, and their vehicle make and model. The only way to know exactly how much an Auto-Owners policy will cost a specific driver is to call and get a quote.
|35y, female, clean record||35y, male, clean record||35y, female, one accident||18y, male, clean record|
Auto-Owners doesn't offer as many car insurance discounts as some of its competitors. But it hits all the basics, and many of the discounts are easy to achieve. Many drivers will likely qualify for more than one and this will help reduce their rates.
Auto-Owners offers a competitive selection of policy types. It even offers coverage for classic vehicles and modified vehicles, which many of its competitors don't cover.
Drivers who choose Auto-Owners will get all the standard coverage options required by law as well as a choice of many common optional protections. One of its most unique offerings is its diminished value coverage, which pays the driver if their vehicle loses value following an accident.
Drivers tend to review Auto-Owners favorably. It scored above average in every region it was featured in during the latest J.D. Power Auto Insurance Satisfaction Study. It didn't fare quite as well in J.D. Power's U.S. Auto Claims Satisfaction Study, but it still edged out many larger, better-known insurers.
Auto-Owners also has a fairly low complaint ratio with the National Association of Insurance Commissioners (NAIC). This suggests most customers are happy with the support they've received when they've reached out to Auto-Owners or had to file a claim.
Auto-Owners car insurance is a good fit for:
But those looking for a company that offers affordable rates to everyone may want to check out Geico. And those who prefer to purchase and manage their policy online might like State Farm better.
Our Insurance Expert
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