NATIONAL INSURANCE GUIDE

Auto-Owners Insurance

Auto-Owners Insurance: A Comprehensive Profile for 2025

Founded in 1916 and headquartered in Lansing, Michigan, Auto-Owners Insurance Group has grown into one of the largest and most respected mutual insurance companies in the United States. The company currently serves nearly 3 million policyholders through a network of about 48,000 independent insurance agents across 26 states.

Auto-Owners is a mutual company, meaning it is owned by its policyholders rather than shareholders, which aligns its priorities with the customers it serves. The company boasts a long history of financial strength, holding an A+ (Superior) rating from AM Best and excellent customer satisfaction scores.

Core Products and Services

Auto-Owners offers a broad portfolio of insurance products tailored for individuals, families, and businesses, including:

Personal Auto Insurance: Covering standard and optional protections such as liability, collision, comprehensive, uninsured/underinsured motorists, medical payments, and roadside assistance. They also offer loan/lease gap coverage and additional expense coverage for rentals or lodging post-accident.
Homeowners Insurance: Protection for your home’s structure, personal belongings, liability, and loss of use. Auto-Owners homeowners policies come with customizable deductible options and optional endorsements like increased personal property limits and equipment breakdown coverage.
Life Insurance: Through affiliated companies, Auto-Owners offers term, whole life, and universal life policies tailored to varying financial planning needs.
Business Insurance: Commercial lines include property, liability, workers’ compensation, and specialty coverages designed for small to medium-sized enterprises.
Specialty and Other Insurance: Including renters, condo, mobile home, farm, boat, and umbrella liability insurance.

Financial Strength and Industry Reputation

Auto-Owners consistently receives top ratings for financial stability, including an A+ rating from AM Best and high ratings from Standard & Poor’s and Moody’s credit agencies. This financial solidity reassures customers of the company’s ability to pay claims promptly, even under adverse conditions.

The company has earned numerous industry awards for customer satisfaction and service excellence, reflecting a strong commitment to policyholder care.

Discounts and Pricing

Auto-Owners Insurance provides multiple discount opportunities designed to help customers save, such as:

Multi-policy bundling (auto + home + life)
Good driver and safe vehicle discounts
Defensive driving course
Multi-car household discounts
Automobile safety features (airbags, anti-lock brakes)
Claim-free loyalty rewards
Paperless billing and autopay discounts

Rates vary by state, driver history, vehicle type, and coverage levels but are generally competitive within the markets served. For example, average full coverage auto insurance premiums with Auto-Owners are approximately $1,890 annually, with minimum liability policies averaging around $490 per year.

Customer Service and Claims

Auto-Owners stands out for its customer service, emphasizing local agents ready to provide personalized support. Their claims process is user-friendly, with 24/7 claims reporting, online tracking, and quick response times.

The independent agent system allows customers to get tailored policy advice and access local knowledge, a key differentiator from direct-to-consumer insurers.

Recent Developments

In 2025, Auto-Owners has enhanced its digital tools, including mobile apps for policy management and claims filing, improving convenience for tech-savvy customers. They continue investing in cybersecurity measures to protect customer data and comply fully with updated insurance regulations.

Customer Feedback and Ratings

Auto-Owners receives predominantly positive reviews, with an overall rating of 4.5 out of 5 stars on many major consumer review platforms. Common praise highlights good value, customer service quality, and product breadth. Some customers note limited availability (restricted to 26 states) and lack of online quote tools as drawbacks.

Frequently Asked Questions (FAQs) About Auto-Owners Insurance

Q: In which states does Auto-Owners Insurance operate?
A: Auto-Owners Insurance operates in 26 states, primarily in the Midwest, South, and Southeast. You can check their website or contact an agent to confirm availability in your state.

Q: What types of insurance does Auto-Owners provide?
A: They offer a wide range of insurance products including auto, home, life, business, renters, farm, boat, and umbrella liability insurance.

Q: How does Auto-Owners Insurance handle claims?
A: Claims can be filed 24/7 via phone, online, or through the mobile app. Auto-Owners emphasizes a quick, personalized claims process handled through local independent agents.

Q: Are there discounts available?
A: Yes, discounts include multi-policy bundling, safe driver, multi-car, defensive driving courses, claim-free loyalty, safety equipment discounts, and electronic payment options.

Q: Can I get a quote online?
A: Auto-Owners works through independent agents, so many quotes are provided through local agents rather than a full online interface. Some states may have online quoting available on selected products.

Q: Is Auto-Owners Insurance financially stable?
A: Yes, Auto-Owners holds an A+ (Superior) rating from AM Best, and strong ratings from other credit agencies, ensuring reliable claim payment capability.

Q: How can I manage my policy?
A: Policies can be managed online or through Auto-Owners’ mobile app for billing, claims, and document access, in addition to support from local agents.

Auto-Owners Insurance Contact Information

Main Website: https://www.auto-owners.com
Customer Service Phone: 1-800-242-1105
Claims Phone (24/7): 1-800-242-1105
Corporate Headquarters Address:
Auto-Owners Insurance
6101 Anacapri Boulevard
Lansing, MI 48917
Customer Service Email: Available through website contact forms
Local Independent Agent Locator: Use the online agent finder on the main website to connect with a nearby authorized agent for quotes and service.

Conclusion

Auto-Owners Insurance represents a strong choice for Americans seeking reliable, highly rated insurance backed by a century of mutual ownership principles. Its vast product lineup, financial strength, diverse discounts, and community-focused agent network help maintain its status as a leading insurer across multiple lines including auto, home, life, and business insurance.

If located within their service area, consulting a local independent agent for personalized quotes is highly recommended to leverage discounts and tailor coverage optimally.

Auto Insurance in the U.S. – Auto Insurance in the U.S.

Digital car insurance USA – Digital car insurance USA

Car Insurance for Young Drivers in the U.S. – Car Insurance for Young Drivers in the U.S.

Car Insurance in California – Car Insurance in California

Car insurance in Florida – Car insurance in Florida

Car Sharing Insurance – Car Sharing Insurance

Car Sharing Insurance for Americans in Europe – Car Sharing Insurance for Americans in Europe

Cheap Car Insurance – Cheap Car Insurance

Classic Car Insurance – Classic Car Insurance

Electric Scooter Insurance – Electric Scooter Insurance

EV Insurance in the U.S. – EV Insurance in the U.S.