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Auto-Owners Car Insurance Review for 2022

The aptly named Auto-Owners Insurance Group has been writing car insurance policies since it was founded in 1916. Over the years, the Lansing, Michigan-based company has expanded into other lines of insurance, including policies for life, homes, renters, and businesses. 

Auto-Owners Insurance today sells insurance in 26 states. The company employs 4,700 associates and 48,000 licensed agents that operate out of 6,300 offices. While perhaps not one of the better known names in car insurance, Auto-Owners provides coverage for almost 3 million policyholders, and has a policyholder surplus exceeding $11 billion.

Along with coverage for passenger cars, Auto-Owners offers insurance policies for motorhomes and recreational vehicles, as well as trailers, boats, motorcycles, and ATVs and off-road vehicles. Policies are also available for commercial vehicles, classic cars and converted or modified vehicles with features such as special controls or a wheelchair lift.


Optional extras include 24/7 Roadside assistance coverage, with a toll-free phone number for access to help if you need a jump start, tire change, lockout service, delivery of gas or oil, or a tow. Other available coverages include new car replacement insurance, rental car coverage, and a Personal Automobile Plus package that bundles identity theft coverage, cell phone replacement, re-keying locks, and more. 

A key element of the Auto-Owners structure is that the company works exclusively through licensed independent insurance agents, who handle all policy questions, sales, and claims except in an emergency. The Auto-Owners website includes a tool to guide users to an agent in their area. To support their agents, Auto-Owners operates more than 100 claim offices throughout the states in which they operate. Customers can access the company website or download a mobile app to make a payment, update credit card and banking information, print insurance cards, track the progress of a claim, and more. Any policy changes, however, must be made through their local agent.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

Auto-Owners Car Insurance Discounts

Auto-Owners Insurance offers the typical discounts found with other auto insurance companies. These include insuring two or more cars on the same policy and bundling auto coverage with a homeowners policy or other insurance through Auto-Owners. There are also discounts for paying premiums on time, remaining claims-free, and for having a vehicle equipped with certain safety or anti-theft features. Young drivers can be eligible for reduced rates by maintaining a B average or better, or by using a monitoring device to track their driving behavior. 

Other Types of Policies From Auto-Owners Car Insurance

Auto-Owners writes policies for homeowners, renters, condo owners, mobile home owners, businesses, and farmers. Auto-Owners also offers coverage for floods and valuables, as well as an umbrella policy to cover legal liability beyond a standard policy’s limits. Life insurance and long-term disability policies are also available, along with medical insurance for a pet.

Auto-Owners Car Insurance Financial Fitness

Auto-Owners is a Fortune 500 company, and gets a top A++ rating for financial strength with A.M. Best, as it has for 47 consecutive years. 

Other Insurance Brands Related to Auto-Owners Car Insurance

The Auto-Owners Insurance Group also includes stock insurer Atlantic Casualty Insurance, Northeast-based property insurer Concord Group, and Southwestern property and casualty insurer Capital Insurance Group.

Contact Auto-Owners Car Insurance

Auto-Owners can be reached at 517-323-1200, although the company website directs most inquiries to a local independent agent. There are toll-free phone numbers for roadside assistance and emergency claims. Inquiries can also be made through the Auto-Owners Insurance website, at



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