Auto-Owners Insurance
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
- Offers a wide variety of products with the opportunity to bundle.
- Fewer complaints than expected for auto insurance.
- Only available in 26 states.
- Online quotes aren’t available.
Auto-Owners Insurance
5.0
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
- Offers a wide variety of products with the opportunity to bundle.
- Fewer complaints than expected for auto insurance.
- Only available in 26 states.
- Online quotes aren’t available.
Auto-Owners earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Auto-Owners Insurance Company serves a lot more than just owners of automobiles. The company offers over a dozen types of insurance through independent agents in 26 states. People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options.
How we review auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Where Auto-Owners stands out
Deductible benefits. If you have both home and auto insurance through Auto-Owners and need to make a claim due to the same covered loss, Auto-Owners will either reduce your auto insurance deductible or waive it completely, depending on how much your homeowners deductible is. Your collision deductible is also waived if you get into a crash with another Auto-Owners customer.
Rental car coverage. If you’re renting a car, Auto-Owners will pay any fees the rental car company may charge you if you have an accident. Like most other insurers, it will extend your personal auto insurance coverage to a car you rent.
Where Auto-Owners falls short
No online quotes available. Users who prefer to do everything online may find it frustrating that there are no online quotes available through Auto-Owners. Instead, you need to contact an independent agent to get a quote.
State availability. Although Auto-Owners is a great choice for many drivers, it’s offered in only 26 states throughout the country.
Compare to other insurers
|
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 5.0 /5 |
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 5.0 /5 |
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 5.0 /5 |
|
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far fewer than expected |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Fewer than expected |
|
Ease of use Ratings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Average |
Ease of use Ratings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Above average |
Ease of use Ratings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Above average |
|
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts |
|
Bottom line People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints. |
Bottom line American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states. |
Bottom line State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers. |
Auto-Owners insurance coverage
When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Auto-Owners offers all the usual coverage types, including liability, other state-required coverage, roadside assistance and comprehensive and collision. The company also offers several add-on coverage types and options:
-
Gap coverage can come in handy if you have a loan or lease balance and your car is totaled or stolen. Comprehensive and collision coverages pay out only up to the value of your car, which might be less than you owe on a loan or lease. Gap insurance pays the difference.
-
Diminished value coverage is similar to gap insurance, but for less extreme situations. If your car is damaged (rather than stolen or totaled), this add-on will compensate you for the reduced value of your car.
-
Additional expenses insurance goes further than traditional rental car coverage. In addition to paying for a rental car if your car is in the shop for a covered claim, this optional coverage also pays for food, lodging and other incidentals if you’re stranded.
-
The Personal Automobile Plus package has more than 10 perks and coverages, including identity theft coverage, cell phone insurance and coverage for replacing lost or stolen keys.
-
Accident forgiveness. Forgives your first at-fault accident, which means your rates won’t go up after a crash. Available only to drivers with no at-fault claims or major traffic violations in the past 36 months.
Auto-Owners also may include a few benefits in its auto policies that other major insurers don’t.
Common loss deductible. This benefit applies if you have your home insurance through Auto-Owners in addition to an auto policy with comprehensive coverage. If you need to make a claim to both policies for the same event — such as a bad storm or a tree falling on both your house and car — the company will reduce your auto deductible by the amount of your property deductible. If your homeowners deductible is higher, the company will waive your auto deductible.
Collision coverage advantage. If you’re in a collision with another customer of the company, your collision deductible will be waived.
Rental car insurance. When you rent a car, your Auto-Owners policy covers as much as it does for your personal car, as well as any fees from the rental company associated with an accident. Some auto policies have lower coverage limits when you rent a car and don’t pay those fees.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Auto insurance discounts
You may be able to save on your auto insurance policy by:
-
Buying multiple insurance products from Auto-Owners.
-
Paying premiums on time for a 36-month period.
-
Paying your premium in full, upfront.
-
Opting for paperless billing and online payments.
-
Insuring more than one vehicle.
-
Owning a vehicle with safety features like anti-lock brakes and airbags.
-
Having few or favorable (not-at-fault) claims.
-
Being a new customer and getting a quote at least one day before starting a policy.
-
Maintaining good grades as a student.
-
Being a student and leaving your car at home while attending school more than 100 miles away.
-
Monitoring teen drivers with GPS.
Auto-Owners life insurance
For most families, term life insurance is the best mix of price and protection. From Auto-Owners, term life insurance comes in 10-, 20- or 30-year terms and can be extended to age 95.
Consult a financial advisor if you’re considering permanent life insurance.
Complaints and customer satisfaction
Auto-Owners had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Auto-Owners’ customer satisfaction ratings are mixed.
|
No. 7 out of 10 companies. |
|
|
Auto insurance claims satisfaction |
No. 7 out of 24 companies. |
More about Auto-owners insurance
Website: Auto-Owners has a user-friendly website with information on policy options and discounts. Policyowners can log in to view policy information, select paperless billing, make payments and more.
Mobile app: Android and Apple users can download the Auto-Owners app and track claims, pay bills and view documents and insurance ID cards.
Auto-Owners homeowners and renters insurance
Other insurance from Auto-Owners
Other types of insurance from Auto-Owners include:
-
Motor home and RV insurance.
-
ATV and off-road vehicle insurance.
-
Commercial auto insurance.
Auto-Owners can also provide pet insurance through a partnership with Figo.
How can you get an Auto-Owners quote?
You will need to contact an independent agent to get a quote. Auto-Owners does not offer online quotes.
How can you file a claim with Auto-Owners?
Contact your independent agent to file a claim. If you need to file a claim outside of normal business hours, call 888-252-4626. After you submit a claim, you can track its status in the Auto-Owners app or website.
How can I contact Auto-Owners?
Phone number: 800-346-0346.
Email: Auto-Owners doesn’t provide a direct email, but you can fill out a form on its website.
How can you get an Auto-Owners quote?
You will need to contact an independent agent to get a quote. Auto-Owners does not offer online quotes.
How can you file a claim with Auto-Owners?
Contact your independent agent to file a claim. If you need to file a claim outside of normal business hours, call 888-252-4626. After you submit a claim, you can track its status in the Auto-Owners app or website.
How can I contact Auto-Owners?
Phone number:
800-346-0346.
Email:
Auto-Owners doesn’t provide a direct email, but you can fill out a form on its website.
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.