Auto-Owners Insurance: The Inside Scoop

The Auto-Owners Insurance group sells personal and commercial auto insurance, homeowners 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.

Every insurance company must file its auto insurance rates and policies in each state where it operates. We reviewed Auto-Owners' filings in many states to bring you the inside scoop on coverage options, discounts and surcharges.

Auto-Owners car insurance options

Auto-Owners sells all the fundamental coverage types you'd want, such as liability, collision, comprehensive, uninsured motorist and other coverage types. It also offers some specialized coverage you might be interested in.

Here's a look at whether Auto-Owners offers certain additional auto insurance options.


SR-22 filings

Proof of financial responsibility.

No
Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what's still owed on a car loan or lease.
Yes
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
No
Non-owner insurance

Liability insurance for people who don't own vehicles.

Yes
Rideshare insurance

Extra coverage for Uber drivers and others.

Yes, but may not be available to people who drive full-time for a ridesharing service.
Source: EverQuote research. Product options might not be available in all states.

More Auto-Owners 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.

Price comparison

Here's a look at how Auto-Owners' prices compare to large insurers. This is based on premiums reported by EverQuote users.

Company Monthly premium paid
American Family $115
Travelers $123
Auto-Owners $124
State Farm Mutual $126
Farmers $131
Nationwide $135
USAA $135
Allstate $136
GEICO $136
Liberty Mutual $144
Progressive $149
Source: Premiums reported by EverQuote users, based on policies with bodily injury liability coverage of 100/300. Rates are based on single vehicles with one driver who has a good driving record with no violations. Rates for sedans, coupes and hatchbacks were averaged. Rates are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Auto-Owners 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 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

Insurance filings source: S&P Global Market Intelligence

Posted Nov. 19, 2018

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