Key Takeaways
Auto-Owners is a well-regarded auto insurance company that offers competitive rates and reliable coverage. For a good driver, the average cost of a full coverage policy is $181 per month, which is 7% cheaper than the national average. Complaints against Auto-Owners have been on the decline in recent years, and the company has consistently maintained an above-average grade for its collision claims process.
Expert Take on Auto-Owners Car Insurance
Auto-Owners received a high rating of 4.5 out of 5 stars in our evaluation of major auto insurers, placing it among the top choices for drivers. The company offers competitive rates for various types of drivers, including those with good driving records, high-limit policies, and even those with at-fault accidents. Parents looking to add a teen to their policy will find significant savings with Auto-Owners, as it provides the lowest rates for adding a 16-year-old driver. Additionally, drivers seeking minimum-coverage policies are likely to find very competitive rates with this insurer.
However, Auto-Owners’ rates for drivers with speeding tickets or DUIs are only about average compared to other companies. Despite this, the number of complaints against Auto-Owners has decreased year over year from 2022 to 2024, according to data from the National Association of Insurance Commissioners (NAIC). The company also maintains an above-average collision repair score since 2022, based on Crash Network’s annual Insurer Report Card.
How Much Does Auto-Owners Car Insurance Cost?
According to our analysis, the average cost of a full coverage policy for a good driver with Auto-Owners is $181 per month. This is below the national average of $195 per month in our analysis. Drivers who have caused an accident might find better rates with Auto-Owners: a single at-fault accident leads to an average rate increase of 42%, compared to 59% nationwide.
On the other hand, Auto-Owners’ rate increases due to moving violations can be higher than the national average. For example, after a speeding ticket, the average cost of a full coverage policy increases to $247 per month—an average increase of 36%, which is higher than the national average of 32%. A DUI results in a more significant increase, with Auto-Owners’ rates rising by an average of 103%, slightly more than the national average of 98%.
Coverage Highlights and Discounts
Auto-Owners offers all the standard coverage options, such as auto liability, comprehensive, collision, personal injury protection, medical payments, and uninsured motorist coverage. It also provides some unique benefits that can help drivers financially recover after a claim:
- Common loss deductible: If you make a claim on both your Auto-Owners homeowners and auto insurance policies due to the same problem, the auto deductible is reduced by the amount of your homeowners deductible.
- Collision Coverage Advantage: If you’re in an accident with another vehicle insured by Auto-Owners, your collision deductible is waived.
- Diminished value: If the value of your vehicle decreases due to an accident, even after repairs, Auto-Owners will compensate you for the reduced value.
Discounts Available
Auto-Owners offers a variety of discounts to help drivers save on their premiums. These include:
* Advance quote
* Favorable loss history
* Good student
* Green (paperless billing/online payments)
* Multicar
* Multipolicy, including life insurance
* Paid in full
* Payment history
* Safety features
* Student away at school
* Teen driver monitoring
Coverage Drawbacks to Consider
While Auto-Owners offers many benefits, there are some drawbacks to consider. For instance, the company does not offer accident forgiveness through claim-free years, unlike some competitors like Erie, Geico, and Progressive. Auto-Owners also lacks a diminishing deductible program and does not provide usage-based car insurance, which tracks driving behavior for potential discounts. Rideshare and mechanical breakdown insurance are not available either.
Customer Experience, Claims, and Service
Auto-Owners has one of the lowest complaint levels among the car insurance companies we analyzed. Complaints have steadily decreased from 2022 to 2024. The company also excels in collision repair, receiving a B grade in 2025 from the Crash Network. This score reflects a superior process for handling collision claims, with a consistent performance since 2023.
Frequently Asked Questions
How strong is Auto-Owners’ financial strength rating?
Auto-Owners has an A+ (Superior) rating from AM Best, indicating a strong ability to pay claims.
Is Geico cheaper than Auto-Owners?
Yes, Geico is generally cheaper for good drivers, minimum coverage, seniors, and drivers with a speeding ticket or DUI. However, Auto-Owners is cheaper for adding a teen driver and for drivers with one at-fault accident.
Which is better, Progressive or Auto-Owners?
Progressive scored slightly higher in our rankings, but Auto-Owners has a lower complaint level and a better collision repair grade.
Methodology
We evaluated 10 large car insurance companies, focusing on cost, coverage options, and quality metrics related to complaints and collision repair. Our ratings are independent and based on data-driven methodologies.
