Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

Full Bio →

Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Mar 12, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

When you’re in the market for car insurance, you’ll find that conducting in-depth research about the services of so many different companies can be extremely time-consuming.

However, it’s important to compare the policy options, car insurance discounts and customer service offered by various companies, or you could end up settling for coverage that is not optimal for you.

Use our FREE quote tool to compare auto insurance rates today!

Facts About Auto-Owners Insurance

If you’re considering buying a car insurance policy from Auto-Owners Insurance, you first need to determine whether they offer coverage in your area. Auto-Owners Insurance writes policies for drivers in 26 states, including most states in the Midwest, Mid-Atlantic and Southeast regions.

However, it only offers coverage in four western states (Idaho, Utah, Arizona and Colorado), and does not currently offer coverage in the Northeast.

Auto-Owners Insurance was founded in 1916, and is currently based in Lansing, Michigan. This full-service mutual insurance company offers homeowners, auto, life, workers’ compensation and property insurance though its more than 65 branch offices.

Since it is a mutual insurance company, it is not listed on the New York Stock Exchange.

Auto-Owners Insurance Consumer Reviews

Although Auto-Owners Insurance is a smaller company with limited coverage, consumer surveys indicate that it doesn’t skimp on customer service. The 2010 J.D. Power and Associates National Auto Insurance Study awarded Auto-Owners Insurance 813 out of 1,000 points on its rating scale, ranking it third in customer satisfaction among medium and large insurance companies.

Auto-Owners Insurance received a rating of “Better than Most” in major categories like contacting the insurer, billing and payments, policy offerings and pricing.

In addition, this survey found that Auto-Owners Insurance had the highest customer satisfaction with claims handling of any major insurer.

Car Insurance Coverage Options from Auto-Owners Insurance

Auto-Owners Insurance provides drivers with a full range of car insurance coverage options, from bare-minimum liability coverage to full coverage car insurance with lots of add-ons.

This insurer also offers an extensive menu of options for commercial auto insurance, including “deadhead” and “bobtail” coverage, and physical damage and liability coverage for hired automobiles.

Like most car insurance companies, drivers can customize their policies with different deductible levels and levels of coverage in the following areas:

  • Lease or loan gap
  • Medical payments
  • Emergency roadside assistance
  • Underinsured or uninsured motorist

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Auto-Owners Insurance Discounts

In addition to the many coverage options available from Auto-Owners Insurance, the company also provides discounts to qualifying customers.

Available discounts vary by state, and may include the following:

  • Good Student
  • Multiple Policy Discount
  • Safe Driver
  • Anti-theft Device
  • Student Away at College
  • Antilock Brake and Airbag

Auto-Owners Insurance Claims Handling Review

The quality of a company’s claims service is an important consideration when buying auto insurance. Auto-Owners Insurance provides its customers with “No Problem” claims service, which means that all you need to do in case of an accident is contact your local agent.

Your agent will forward your information to the claims office, which ensures that you’ll receive personalized service from your local agent as your claim is processed.

However, the company does offer a centralized claims office line for after-hours emergencies.

Conclusion: Is Auto-Owners Insurance the Company for You?

Given the company’s excellent customer satisfaction ratings, Auto-Owners Insurance definitely deserves your consideration if you live within its coverage area.

Its discounts and policy options are comparable to those offered by other auto insurers, and it received an A++ financial strength rating from A.M. Best, an organization that rates businesses’ ability to meet their financial obligations.

Deciding which insurance company is the best fit for you can be a challenge, but you can compare auto insurance quotes by entering your zip code in the box.

Use our FREE quote tool to compare auto insurance rates today!

Related posts:

  1. Geico Auto Insurance Review
  2. Nationwide Car Insurance Review
  3. Liberty Mutual Car Insurance Review
  4. Travelers Auto Insurance Review
  5. MetLife Car Insurance Review