- Our take
- States where Auto-Owners offers coverage
- What does Auto-Owners car insurance cover?
- How does Auto-Owners insurance rank?
- How much is Auto-Owners car insurance?
- Auto-Owners car insurance rates by state
- Auto-Owners insurance rates for teens
- Auto-Owners Insurance rates for adults
- Auto-Owners insurance rates for seniors
- Auto-Owners insurance rates by driver profile
- Auto-Owners insurance discounts
- Sources & Methodology
- What do people ask about Auto-Owners insurance?
Our take
Auto-Owners ranked No. 2 in our study of the best car insurance companies of 2024. It has some of the cheapest premiums on offer and gets high marks for auto claims satisfaction. Its website doesn’t offer as many features as some of the bigger providers, and potential clients will need to reach out to an agent to get a quote.
Auto-Owners isn’t as well known as its larger competitors, but the company has a long history; it’s been around since 1916 and provides insurance policies to about 3 million clients.
- Some of the lowest premiums on offer
- Low complaint volume with the NAIC
- Rated highly for auto claims satisfaction
- Coverage limited to 26 states
- Doesn’t provide online quotes
States where Auto-Owners offers coverage
Auto-Owners offers car insurance in 26 states.
| State |
|---|
| Alabama |
| Arizona |
| Arkansas |
| Colorado |
| Florida |
| Georgia |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Michigan |
| Minnesota |
| Missouri |
| Nebraska |
| North Carolina |
| North Dakota |
| Ohio |
| Pennsylvania |
| South Carolina |
| South Dakota |
| Tennessee |
| Utah |
| Virginia |
| Wisconsin |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What does Auto-Owners car insurance cover?
Auto-Owners offers a full line of car insurance policies to meet most drivers’ needs, as well as policies for home, life and business.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Roadside assistance
- At-fault accident forgiveness
- Common loss deductible for those with home and auto policies
- Classic car
- Rental car reimbursement
- Gap insurance
How does Auto-Owners insurance rank?
Auto-Owners ranked No. 2 overall in our annual survey of the top 15 car insurance providers. It offers some of the cheapest premiums, and customers rate it highly for auto claims satisfaction.
You will need to contact an agent to get a quote, but the combination of great rates and high satisfaction could make it worthwhile.
Here's a look at how it compared to a selection of car insurance providers:
| Company | AM Best | J.D, Power auto claims satisfaction | NAIC complaint ratio* | Average annual premium(out of 5) | Overall score(out of 5) |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 888 | 0.50 | 4.74 | 4.65 |
| Auto Club Group | A+ | 848 | 0.77 | 4.5 | 4.29 |
| American Family | A | 882 | 1.10 | 4.22 | 4.01 |
| Erie | A+ | 902 | 0.61 | 5.00 | 4.67 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Auto-Owners car insurance?
If you’re looking to lower your car insurance premiums, Auto-Owners could be a good place to start. It has the third-lowest premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates among the 15 auto insurance carriers we ranked. Erie Insurance has the cheapest rates overall but only offers coverage in 12 states. Auto-Owners also has a limited footprint, but with 26 states covered, it may be an option for more drivers.
Average full coverage rates for a 40-year-old male or female driver with Auto-Owners are $1,554 per year or $129 monthly. That compared to $1,480 per year at Erie and $2,509 per year for Allstate, one of the major carriers that was at the pricier end.
Here is a comparison of rates with several large competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Auto-Owners | $1,554 | $129 |
| Erie | $1,480 | $123 |
| American Family | $1,698 | $142 |
| Progressive | $1,998 | $166 |
Auto-Owners car insurance rates by state
Insurance rates are based on several factors, such as age, gender, credit rating and the type of car you drive. One of the biggest factors, however, is where you live.
Some states have considerably higher insurance rates due to such factors as frequent hail events, flooding and higher litigation costs. And rates vary by company in each state,
Colorado and South Dakota drivers pay the most for car insurance with Auto-Owners, while Maine and Vermont have the cheapest rates.
Take a look at the average annual Auto-Owners car insurance rates by state below.
| State | State minimum | Liability: 50/100/50 | Full coverage - 100/300/100 liability, $500 deductibles |
|---|---|---|---|
| Alabama | $416 | $618 | $2,134 |
| Arizona | $374 | $520 | $1,539 |
| Colorado | $400 | $688 | $2,874 |
| Georgia | $368 | $497 | $1,529 |
| Iowa | $189 | $219 | $1,461 |
| Idaho | $190 | $252 | $916 |
| Illinois | $318 | $365 | $1,426 |
| Indiana | $248 | $306 | $1,188 |
| Kentucky | $588 | $713 | $1,911 |
| Maine | $229 | $230 | $707 |
| Michigan | $469 | $491 | $2,085 |
| Minnesota | $355 | $383 | $1,693 |
| North Dakota | $289 | $317 | $1,717 |
| Nebraska | $255 | $283 | $1,193 |
| New Hampshire | $222 | $255 | $803 |
| Ohio | $235 | $289 | $1,109 |
| South Carolina | $415 | $566 | $1,475 |
| South Dakota | $257 | $260 | $2,566 |
| Utah | $432 | $554 | $1,393 |
| Virginia | $410 | $480 | $1,405 |
| Vermont | $232 | $264 | $992 |
Auto-Owners insurance rates for teens
Teenage drivers will pay some of the most expensive rates for car insurance with Auto-Owners, as they will with pretty much every insurance company. The good news is that rates begin to fall as you get older.
The average cost of a teen car insurance policy with Auto-Owners is $3,482 a year.
Here’s what a teenage driver can expect to pay with Auto-Owners compared to average rates at other ages and with other companies.
| Company | Teenage drivers aged 16-19 | Young adults aged 20-24 | 40-year-old adult |
|---|---|---|---|
| Auto-Owners | $3,842 | $2,498 | $1,554 |
| Erie | $3,737 | $2,369 | $1,480 |
| Amica | $6,697 | $3,522 | $2,216 |
| Progressive | $7,174 | $3,242 | $1,998 |
Auto-Owners Insurance rates for adults
While teens pay some of the highest rates, as you age into your 20s and 30s, you will see a steady decline in insurance premiums.
While it can vary slightly by insurance company, adults will pay some of their cheapest rates at around 55, when average rates with Auto-Owners are $1,425 for males and $1,421 for females.
Here’s what adults can expect to pay annually on average for full coverage car insurance with Auto-Owners at various ages.
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 25 | $2,022 | $1,962 |
| 30 | $1,600 | $1,594 |
| 35 | $1,561 | $1,556 |
| 40 | $1,556 | $1,551 |
| 45 | $1,521 | $1,517 |
| 50 | $1,471 | $1,467 |
| 55 | $1,425 | $1,421 |
| 60 | $1,402 | $1,398 |
| 65 | $1,435 | $1,431 |
Auto-Owners insurance rates for seniors
Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight, or other factors and will vary from driver to driver.
For that reason, expect your rates to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens. Rates dip at age 60 with Auto-Owners, but then start to increase. At 65, the average rate with Auto-Owners is $1,435 for a male and and $1,431 for a female.
Here’s a look at average annual rates for senior car insurance with Auto-Owners.
| Age | Average yearly premiums, male | Average yearly premiums, female |
|---|---|---|
| 60 | $1,402 | $1,398 |
| 65 | $1,435 | $1,431 |
| 70 | $1,532 | $1,527 |
| 75 | $1,657 | $1,652 |
Auto-Owners insurance rates by driver profile
Insurers crunch a lot of data to develop very accurate risk profiles of drivers, and your driving history is a major factor. If you have had a recent ticket or accident, you’re more likely to have another.
They also consider factors you may not be aware of, such as your credit score. A poor credit score is associated with filing more claims, and Auto-Owners will charge you almost three times more if you have a poor credit rating.
Here’s a look at what drivers with common negative marks on their profiles can expect to pay for full coverage insurance with Auto-Owners, based on a 40-year-old driver.
| Clean record | At-fault accident | Speeding ticket | Poor credit rating |
|---|---|---|---|
| $1,554 | $2,115 | $1,999 | $4,242 |
Auto-Owners insurance discounts
Most car insurance carriers offer a wide range of discounts to help lower your rates, and Auto-Owners is no different.
Discounts are offered for bundling policies, installing safety devices, and paying your premium in full. Discounts typically range from about 5% to 30%, and it is possible to qualify for multiple discounts.
Auto-Owners car insurance discounts include the following:
- Multi-car and multi-policy discounts
- Installed car safety equipment
- Paying yearly premium in full
- Good payment history over 36 months
- Going paperless
- Good student discount
- Going away to college discount
- Installing a GPS monitoring app for a teen driver
Sources & Methodology
Methodology
Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.
Sources
Auto-Owners. “Ways to Save” Accessed July 2024.
What do people ask about Auto-Owners insurance?
We gathered some common questions people ask online about Auto-Owners car insurance so that we can provide expert answers for you here.
Is Auto-Owners available in Florida?
Yes, Auto-Owners operates in Florida.
Why did my Auto-Owners insurance rate go up?
There are a lot of reasons for your car insurance rates to go up. Sometimes, it’s related to a change in your risk, such as a ticket or a teen driver. Recently, auto insurance rates have increased nationwide in response to higher claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs related to inflation, increased cost of parts and labor and increases in severe weather. For many, a rate increase doesn’t reflect their driving but rather a general increase.
Is Auto-Owners a good insurance company?
In our survey, customers rated Auto-Owners about average for customer satisfaction and consumer research firm J.D. Power rated it better than average for auto claims satisfaction.
Its website doesn’t offer many bells and whistles, and you will need to contact an agent for a quote, but it’s definitely worth adding to your list if you're shopping for cheaper rates.
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