Auto-Owners Insurance Review 2019

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About Auto-Owners Insurance

The Auto-Owners Insurance group sells personal and commercial auto insurance, home insurance and other coverage types. More than half of its business (57%) is in the Midwest, according to S&P Global Market Intelligence. The company is based in Lansing, Michigan.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Car insurance surcharges
Home insurance satisfaction ratings
Company subsidiaries
Auto-Owners contact information

Auto-Owners car insurance customer satisfaction ratings

We asked current Auto-Owners car insurance customers to rate the company on several measures. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best car insurance companies survey.

Would you choose Auto-Owners Insurance again?

As another measure of satisfaction, we asked current Auto-Owners car insurance customers if they would choose the company again. About half said they would.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Would you choose Auto-Owners car insurance again?

Auto-Owners car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between Auto-Owners and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
Auto-Owners $1,671

Does Auto-Owners have what you want?

Do you want special features in a car insurance policy? Here's a look at what Auto-Owners offers as add-ons or as separate policies:

More Auto-Owners car insurance choices

Diminished value coverage: If your car is in accident, it may not be worth as much afterwards, even with good repairs. This is called diminished value. This coverage pays the reduction in value.

Personal Automobile Plus Package: This packages more than 10 coverages such as identity theft, cell phone replacement, trip interruption coverage and more.

Collision Coverage Advantage: You won't have to pay a collision deductible if you're in a crash with another vehicle insured by Auto-Owners.

Common loss deductible: If both your home and car are damaged by the same problem, such as a fire, you don't have to pay both deductibles.

Road trouble service: For extra expenses you have to pay when your car won't run.

Full-timers package: For folks who live full-time in an RV or motor home and don't have another residence. This package has coverage for personal liability, medical payments to others, and storage shed contents.

Vacation emergency expense: Reimburses emergency expenses when your RV is damaged.

Vacation liability: This provides liability insurance when a vehicle covered by the policy, such as a motor home, travel trailer or truck camper, is being used as a temporary residence.

Website & app

We asked Auto-Owners car insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints against Auto-Owners Insurance

Complaints about Auto-Owners car insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. 


Auto-Owners complaints

Auto-Owners car insurance discounts

We reviewed state filings to find the details of Auto-Owners discounts for auto insurance. Note that these discounts may not be available in all states.

Homeowner
For auto insurance customers who own a home, mobile home or condo that's not insured with an Auto-Owners company.

Good student
For unmarried drivers under age 25 who are full-time students with a B average or better, or who meet other academic criteria.

College graduate
For unmarried drivers under age 25 who have graduated college with a B average or higher or 3.0 or higher.

Driver training
For unmarried drivers under age 21 who complete an approved driver-training class.

Defensive driver
For drivers age 55 and older, with no at-fault accidents or moving violations in the last 36 months, who complete an approved accident-prevention course.

Student away at school
If you have a student at school more than 100 miles away and who doesn't have a car.

Teen driver monitoring
For customers with a driver age 16 to 20 and a GPS device in the vehicle that the teen drives. The device must track location and speed. If the teen has at-fault accidents and moving violations the discount might not apply.

RV driver safety
For RV insurance customers who completed an approved RV safety class within the last three years.

Inside storage
For motor homes, travel trailers and truck campers that are stored in a fully enclosed building when you're not using them.

Air bag

Anti-lock brake

Anti-theft device

Company car
For customers who insure their own car but also have a car provided by their employer.

Hood lock or window VIN etching
These reduce the chances of auto theft.

Paid in full
For paying your whole bill upfront and on time.

Multi-car

Single car
A discount off comprehensive insurance when you insure only one vehicle.

Multi-policy
For buying more than one type of policy from the company, such as auto insurance plus renters or life insurance.

Advance quote
For new customers who request a quote prior to the policy's effective date.

Green
A discount for doing paperless billing and paying online.

Auto-Owners surcharges

Auto insurance companies often apply surcharges if you have certain problems, such as moving violations and at-fault accidents.

Auto-Owners will typically look at your driving history in the past three years to determine surcharges, including at-fault accidents and violations. Auto-Owners assigns points to types of accidents and convictions. The violations with the highest points include reckless driving, DUIs and leaving the scene of an accident.

You can generally show that an accident was not your fault with a police report, court judgment, statement from your previous insurance company, or other documents.

Auto-Owners home insurance satisfaction ratings

We asked current Auto-Owners homeowners insurance customers to rate the company on several measures. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 4 stars

4 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best home insurance companies survey.

Would you choose Auto-Owners homeowners insurance again?

We also asked current Auto-Owners home insurance customers if they would choose the company again. More than half said yes.

In our survey, the highest percent of people who would choose the same company again are customers of Chubb (87%).

Would you choose the company again?

Auto-Owners subsidiaries

Companies related to Auto-Owners Insurance Co. are:

  • Auto-Owners Life Insurance Co.
  • Concord General Mutual Insurance Co.
  • Home-Owners Insurance Co.
  • Owners Insurance Co.
  • Property-Owners Insurance Co.
  • Southern-Owners Insurance Co.
  • Strickland Insurance Group

Auto-Owners Insurance contact information

6101 Anacapri Boulevard
Lansing, MI 48917
website
Claims and policy changes: Contact your local Auto-Owners insurance agent
General questions: 1-517-323-1200

Methodology

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Auto-Owners Insurance in January 2019. The survey was not open to the public on EverQuote.com. 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

For discounts and policy features we examined Auto-Insurance filings with state regulators. Source: S&P Global Market Intelligence.

Updated March 15, 2019

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