Auto-Owners Insurance Auto Insurance Review: Quotes and Service (2024)

Insurance companies are rated on different criteria including claims satisfaction, financial strength and customer experience. Companies like J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) use their own ranking systems to score companies. Auto-Owners Insurance has high rankings from all three companies.

MoneyGeek collected auto insurance quotes in all 50 states, including the states where Auto-Owners sells auto policies, and averaged them for sample drivers. In the states where Auto-Owners is available and MoneyGeek has data, we found that Auto-Owners is inexpensive, costing an average of $1,847 annually.

Auto-Owners is cheap for all driver profiles MoneyGeek surveyed — full coverage, minimum coverage, a young driver and a driver with a speeding ticket.

One of the easiest ways to find the cheapest insurance policy in your area is by shopping around and comparing different quotes. In addition to rates, the company’s financial strength and customer service performance are important to consider when buying a policy.

Whether you are getting full coverage or minimum coverage, an 18-year-old (teen) driver or a driver with a traffic violation, a policy from Auto-Owners is relatively inexpensive.

Auto-Owners, like most car insurance companies, does not provide much detail about how it calculates car insurance rates. However, expect your rates to be higher than the average if you have a bad credit score or a driving violation. But, consider Auto-Owners if you have a speeding ticket as the company may not charge as much as another insurer.

Like other car insurers, Auto-Owners provides liability, collision and comprehensive insurance. Auto-Owners also provides some of the most common add-on coverages like roadside assistance, rental car and/or travel reimbursement, new car replacement and gap insurance. Although, it is missing some add-on coverages like accident forgiveness, deductible modification and better car replacement.

A unique and rarely provided coverage Auto-Owners offers is diminished value coverage. The moment your car is involved in an accident, it may lose value, regardless of whether it is repaired. Diminished value coverage protects your investment by compensating you with the amount of the reduction in the value of your car.

Auto-Owners Insurance offers the standard auto coverage most companies are known for, but also has added benefits like diminished value protection, collision coverage advantage and common loss deductible features. They also offer specialty car insurance coverage for classic cars as well as modified or custom automobiles. You may be eligible for several discounts, including multi-policy, to save even more on their competitive rates.

Take advantage of bundling different policies to gain more discounts with Auto-Owners Insurance by insuring all your needs with one company. Home, umbrella, pet and flood insurance are just a few of the insurance options available to you.

AM Best's Financial Strength Rating measures a company’s ability to pay its insurance obligations. Auto-Owners Insurance has AM Best’s highest rating (A++) and has maintained the same high ranking for years. This rating means they are financially stable and should be able to pay their policyholder’s claims. The rating, however, is not considered a warranty or guarantee.