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Auto-Owners Insurance Review

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Auto-Owners Insurance has been providing different types of insurance, including auto, annuity, home and business, since 1916. The Michigan-based company has built a reputation for competitive prices, considerable experience, and a hassle-free claims. They have very good scores with all the main financial rating companies, such as A.M. Best and Standard & Poor's, as well as on the consumer-based Better Business Bureau.
 
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How is Auto-Owners rated?

Breakdown

4.0/5
Coverage
4.0/5
Financial Strength
0.0/5
Supplemental Coverage
3.5/5
Pricing & Discounts
4.0/5
Claims Satisfaction & Customer Experience
0.0/5
Automation

Overall Rating: 3.7 / 5 (Very good)

Auto-Owners Insurance is one of the leading providers of auto insurance in the United States, with a track record dating almost a hundred years. They've staked their reputation on offering consistently quick and efficient claims processing, a wide array of discounts, and outstanding service. However, their prices are somewhat higher than their competitors, which may be something to consider, especially since their coverage options are fairly standard.

Auto-Owners Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Glass
  • Vet Bills

Coverage - 4 / 5

Auto-Owners Insurance offers the standard suite of coverages as most of their comparably-sized competitors, including comprehensive, medical bills, property damage, liability, personal injury, and uninsured or underinsured motorist. They also offer 24-hour road trouble service, customers can choose their repair facility, and same-day contact claims service. They consistently process claims quickly and efficiently, and this is one of their greatest selling points.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.77
NAIC Total Complaints 2020
41

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
3
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
9
Date Collected
2017-11-03
*The NAIC Car Insurance complaint ratio (in this case 0.77) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4 / 5

Auto-Owners Insurance has surprisingly good ratings across the board and few complaints in an industry rife with negative reviews. They're a BBB-accredited company with and A+ rating, and a low complaint ratio with the National Association of Insurance Commissioners.

Financial Strength

Key Details

Premiums Written 2020
$520,119,768
Marketshare
0.24%
AM Best Financial Rating
A++
Standard & Poor's Financial Rating
AA

Financial Strength - 4 / 5

Auto-Owners Insurance has been in business for almost a century, since 1916. They claim the secret to their longevity is their patented reputation as the "No Problem" People, with claims branches across the 26 states they operate in. They consistently rank among the leading property and casualty insurers in the United States and have always been able to meet their financial commitments.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Student
  • Senior
  • Bundled Policy

Additional Discounts

  • Full/Automatic Payment

Pricing & Discounts - 3.5 / 5

Auto-Owners Insurance discount options are among the most comprehensive in the business, but their pricing comes at a consistently higher cost than their competitors. However, the difference is slight, and they do offer a considerable amount of uncommon rebates, such as for anti-lock brakes, students away at school, company cars, and for choosing green, paperless practices.

Discounts Fine Print

Auto-Owners Insurance also offers discounts for groups/franchises, company cars, a green discount for paperless bill viewing and electronic payments, anti-lock brakes, and students away at school.

Contact & Additional Information

Homepage URL
https://www.auto-owners.com/
Company Phone
(517) 323-1200
Headquarters Address
6101 Anacapri Boulevard, Lansing, MI, 48917
Year Founded
1916

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Customer Comments & Reviews

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Ashley B
12/1/2020
How to get Auto Owners to pay your claim! Just keep calling and emailing as often as you can! The adjuster, the adjuster’s supervisor, the regional manager, the VP Mary Pierce, and the CEO Jeff Tagsold. Fill up their email and voice mail everyday. Just keep repeating that you have not received you claim check. No matter what they tell you just call again until the check is in your hand. Their adjusters are trained to ignore customers until the go away. They also keep changing adjusters on you to “buy” time. Just keep calling daily anyway! They only pay when you are annoying them!

John H
8/29/2018
Not very happy with Auto Owners. Switched from AAA as our agent recommended Auto Owners - sorry I did. Service is lacking. No issues until you need to make a claim and then its amateur hour. The left does not know what the right is doing. My car was hit from behind so AO said I owed no deductible. I ended up talking to way too many people (my agent, auto owners claim person, then a adjuster, etc) non could get it right as they first said no adjuster would be necessary due to small accident ("take it to any shop"). Body shop contacted auto owners and said $4000+ in damages. AO now has to send adjuster - days pass. Adjuster calls and says they are sending me a check for $1000 less than... Read More

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