Auto-Owners Insurance Review & Complaints: Auto, Home, Life, Retirement & Business Insurance (2024)

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In spite of what the name implies, Auto-Owners Insurance covers more than just car insurance. Founded as a group of companies about 100 years ago, Auto-Owners actually offers a full range of personal lines insurance policies as well as business insurance. As a regional insurer, they are the biggest insurance company in their home state of Michigan, but their service area extends far beyond the state borders.

If you are looking for new comprehensive insurance, collision coverage, or trying to lower your insurance premium, make sure you get an insurance quote from more than one or two companies. Enter your ZIP code above to find a variety of coverage options and competitive insurance rates from companies in your area.

What is Auto-Owners insurance?

Auto-Owners Insurance Group was founded in 1916 in Mt. Pleasant, Michigan. Within a year in business, founder V.V. Moulton moved the fledgling company to Lansing, MI, and again in 1975 to Delta Township. The company expanded from Michigan to Indiana and Ohio in 1935, continually adding new states over the next number of decades. Auto-Owners writes policies in 26 states.

In the 1940s, the company expanded its lines of business as well, going beyond auto insurance and into the general casualty market. Below is the full list of companies that comprise Auto-Owners Insurance Group:

• Auto-Owners Insurance Company
• Auto-Owners Life Insurance Company
• Owners Insurance Company
• Home-Owners Insurance Company
• Property-Owners Insurance Company
• Southern-Owners Insurance Company

Auto-Owners is a mutual insurance company where all products are sold by over 35,000 independent agents, across the states in which the company does business. As of November 2014, Auto-Owners was the 17th largest auto insurer in the country, according to Insure.com, with just under 1% of the market share.

The product lineup currently includes the original – auto insurance – as well as home insurance, life insurance, umbrella, business, some disability, and long-term care products. The auto insurance line includes a subsection of vehicles that qualify for coverage, including RVs and off-road vehicles. The company covers most of the bases with personal lines for a fairly convenient one-stop shopping option.

You can get liability coverage, medical payments (MedPay), underinsured motorist coverage, coverage for hail damage, personal property coverage, and a wide range of additional policies and extra benefits.

The company website is fairly basic but does include a customer portal where current customers can log in to view policy information. However, little detail is given to specifically outline what information is accessed through the portal. The site provides insurance information by state for all of the states in which products are sold.

What types of insurance products are offered?

Auto insurance remains one of the company’s biggest products, keeping them in the top 20 car insurance providers in the nation. Through all of the group of companies that comprise Auto-Owners Insurance Group, they also write a good selection of products to meet the needs of most people for individual insurance, and policies for small to large businesses as well.

Can I get auto insurance coverage?

Auto-Owners car insurance is available across all 26 states in which Auto-Owners does business. Their policies are comprehensive, providing all of the basic coverage as well as a long list of options and add-ons.

Along with comprehensive coverage and liability insurance, as an Auto-Owners Insurance customer you can also get Gap coverage, roadside assistance, and more.

One particular package add-on that is fairly feature-packed is the Personal Auto Plus Package. This package takes the standard policy to the next level, adding a long list of comprehensive coverages that aren’t available on the average car insurance policy.

The Personal Auto Plus Package includes some optional coverage, including:

• Trip Interruption coverage
• Cell phone and other mobile device coverage – to pay for lost phones, GPS devices, and other similar devices
• Increased Transportation Cost coverage – to help get you to your destination if your car breaks down
• Non-Owned Trailer coverage for physical damage
• Supplementary Payments coverage – provides $500 per occurrence for bail bonds as the result of a traffic violation and $250 per day for other expenses
• Identity Theft Coverage
• Personal Property Coverage
• Automobile Audio, Video, and Stereo coverage
• Rental Automobile Gap Coverage
• Loss of Use by Theft coverage
• Re-Key coverage
• Deductible Amendatory – benefit waives the collision deductible on your auto policy if you are involved in a collision with another Auto-Owners customer, and charges only the highest deductible of the two if both your vehicle and trailer are involved in a collision

This package comes with an extra premium but adds a great deal of coverage over similar add-on packages from other insurance companies.

Additional coverage with Auto-Owners’ policies include:

• Loan/Lease Gap coverage
• Full Glass
• Pet Medical
• Rental Car Coverage
• Road Trouble Service

Many of these, including rental car insurance, are part of a full coverage policy at zero extra charges, making the policy a pretty good value compared to some stripped-down basic policies.

Additionally, Auto-Owners also goes above and beyond when it comes to the offered discounts.

Available discounts include:

• Safe Driver
• Mature Driver
• Multi-policy discounts including auto/home, auto/life
• Auto/umbrella
• Safety features
• Green vehicle
• Student discounts
• Paid in Full

Discounts available vary by state.

Insurance for Other Vehicles

In addition to car insurance, Auto-Owners writes a variety of policies for other types of vehicles and towables, making Auto-Owners a pretty good one-stop shop for most consumers. Coverage is available for the following types of vehicles and trailers:

• Antique & Classic Vehicles
• Converted/Modified Vehicles
• RVs and Travel Trailers
• ATVs
• Motorcycles and Mopeds
• Low-Speed Vehicles
• Utility Trailers

Unlike many other large insurance companies, Auto-Owners appears to underwrite all of these policies directly. It is very common for some of the bigger insurance companies to sell products underwritten by smaller, lesser-known companies, but there is no indication that this is the case here, which is a plus for those who want to stick with a name they trust.

Notably absent from the product line-up is any sort of boat or watercraft coverage, although boat coverage for some types of damage is an option on their home insurance policies, which we will look at next.

Read more: Does car insurance cover trailers?

Can I get home insurance coverage?

Coverage is available for a variety of home types, including standard single-family homes and the following variations:

• Condos
• Farms
• Rental Units
• Mobile Homes

Additionally, Renters insurance is available to cover personal property for those living in a rental unit where structure coverage is not required.

Coverage on Homeowners plus insurance policies includes 100% replacement cost for the home, personal property, personal liability, as well as additional options.

Additional options for homeowners coverages policies include:

• Sewer/sump pump backup coverage
• Boat coverage
• Earthquake
• Flood
• Food spoilage as a result of a power outage
• High-value items such as furs, jewelry, art, instruments, and computers
• Sports equipment coverage
• Identity Theft
• Snowmobiles

The company offers a variety of discounts on their home insurance policies, including the many options for multi-policy discounts, mature homeowners discounts, new homes, and more.

Can I get life insurance coverage?

A variety of life insurance policy options are available, covering the three major types: universal, whole, and term. This policy lineup can meet just about any life insurance need.

There are four different permanent life insurance plans to choose from:

• Universal Life – the flexible option with a guaranteed death benefit and tax-deferred savings
• Whole Life – the stable, guaranteed death benefit policy with level premiums
• Simplified Issue Whole Life – includes minimal underwriting requirements and is intended for people aged 50-80
• Simplified Issue Children’s Advantage Plan Plus – specifically for children through age 17 with increasing death benefits over time and the option to add an annuity rider in most states

Term life insurance policies are available in 10, 20, and 30-year Level Term plans as well as a Simplified Issue 5-year Level Term that is easy to obtain with few underwriting requirements.

Auto-Owners offers a number of different riders that can be added to their life insurance products, including:

• Disability Waiver of Premium
• Accidental Death
• Family Plan
• Mortgage Payment Disability Benefit
• Payor Death and Disability
• Guaranteed Purchase Option

What types of retirement & additional products are offered?

Auto-Owners provides a small variety of coverage with a few basic products to help people prepare for the future, both in terms of retirement savings and in the event of health issues that can be a financial burden.

These products include:

• Annuities
• Long-Term Care Insurance
• Disability Insurance

Business Insurance

Auto-Owners writes business insurance policies for companies of various sizes. They offer package policies as well as a variety of flexible coverage options to meet the needs of a wide variety of different types of businesses.

The following business coverage policies are available:

• Commercial building coverage
• Business liability
• Commercial auto
• Garage and dealership coverage
• Excess liability
• Employee liability
• Bonds
• Professional liability, including errors & omissions
• Contractor’s equipment coverage
• Inland Marine
• Business Life Insurance
• Optional Earthquake and Flood insurance

Read more: Does my car insurance cover damage caused by an earthquake?

Auto-Owners offers a relatively uncommon multi-policy discount for those who have both personal lines and business insurance with the company. This is another example of the many combinations for which the company offers a discount.

What premiums & discounts are available?

Auto-Owners policies are sold exclusively through independent agents, and their website does not have an online quoting system. A quick search on the website can help you to find an agent, however, you will have to contact the agent directly in order to obtain a quote.

Without an online quoting system, it is difficult to compare their premiums with those from other companies. As a general rule, insurance policies sold through agents tend to be a bit more expensive due to agent commissions. These added costs are eliminated with a direct-buy insurance company,  such as Geico.

One of the ways companies such as Auto-Owners can combat this, and remain competitive, is by offering a good range of discounts. Where this company really shines is the incredible list of multi-policy payments discounts. Most insurance companies offer auto/home discounts, and many offer auto/life, but it’s pretty unusual to see the range of bundling options that Auto-Owners provides. Auto-Owners even offers a discount if you have an automatic backup generator, which is somewhat unique.

For just about any two Auto-Owners policies you can have, there is some sort of multi-policy discount. This means that rates are likely to become more reasonable the more business you have with the company. This is a great option for those who prefer to keep all of their insurance in one place, however, will not do much for those who need only auto insurance or have very minimal needs.

Auto-Owners Insurance Company Claims Process

What’s the bottom line?

Auto-Owners insurance group is a strong insurance company with a fairly comprehensive list of policy offerings compared to other major insurers. They have a great discount program, even a backup generator discount, which is likely to help offset the higher cost of agent-driven insurance. Their claims department, while a bit unusual in its design, holds up well to customer surveys, and overall the company has a good reputation with its policyholders.

Since you can not get an Auto-Owners policy in all states, they are not quite competitive with national insurers on expense, but for the state in which they do provide coverage, the company is well worth a closer look for insurance shoppers. They are a good choice for those who need several types of coverage and are looking to bundle, as well as for those who care for the personal attention of an agent in all aspects of the insurance buying – and servicing – process.

It would be nice to see a little more use of what the Internet today can provide, particularly in the area of online quoting and claims reporting. Such aspects of an insurance website are becoming standard expectations of insurance companies and are areas where growing companies like Auto-Owners insurance group could really bring themselves into the modern insurance era, even while keeping the agency approach. A few changes like this could really put this insurance company over the top.

Enter your ZIP code below to see how your current insurance compares with national averages or other insurance companies in your area. With a little research, you may be able to lower your annual premiums.

Are consumer feedback & reviews positive?

Is Auto-Owners a good insurance company? When it comes to the front-end service – the insurance policy purchasing experience, Auto-Owners does not fare quite as well as it does in the claims department. The 2017 J.D. Power Insurance Shopping Study rates the company at 4 out of 5 – or better than most – according to the survey for complaint and exceptional customer service. The specific area of the survey where the company saw a better rating is in the local agent category, which is important for any company depending entirely on agents to sell and service policies. All other categories received a 3 out of 5.

Auto-Owners has been accredited by the Better Business Bureau since 2016. The BBB gives Auto-Owners a top A+ rating.

There are a total of 82 customer complaints in the past three years, with only 33 closed in the past 12 months. Those numbers are low for a company of this size and seem to back up the satisfaction survey results, especially in the area of claims. There are no government actions reported against this insurance company through the BBB – overall this record is very good.

As far as consumer complaints go, there are not a lot of them out there. That is a really good sign, as policyholders tend to take to the Internet to complain whenever they are unhappy with a company, particularly an insurance company. The difficulty in finding reviews about Auto-Owners points to a generally good customer experience since few people bother to review a company when they’re satisfied.

Of the reviews that are available, complaints tend to be of the common variety with insurance companies – billing issues, some claims issues that appear to be a result of customer confusion with coverage, and complaints about agents. When it comes to a company that sells policies through agents, it can be difficult to differentiate between an issue with the agent in particular and an issue that is directly related to the company’s handling of policies and claims.

Some reviews are available for individual locations throughout the country, but these reviews again present the difficulty of differentiating between a localized issue and a problem with the company as a whole.

Generally, there is little concern with the customer reviews and complaints available about Auto-Owners, which is very encouraging.