is the web presence of a clearinghouse of independent insurance brokers. They were founded in 1916 and have been providing financial services products since. The company is comprised of five property and casualty companies, paired with an annuity and life/health insurer. The company is headquartered in Lansing, Michigan. Prospective policyholders enter their information and receive a series of quotes based upon this information. Coverages vary greatly by the policyholder’s state of residence.

Rank Chart
Pricing Estimate
Policy Discounts
Our Score

The Good

  • Coverage features
  • Service coverage
  • Discounts

Coverage Features

The following coverages are available for policyholders with, but specific limits and coverages vary greatly between states as well as the company which holds the insurance policy.

  • Bodily Injury
  • Property Damage
  • Uninsured
  • Underinsured Motorist Coverage
  • Medical Payments
  • Personal Injury Protection
  • Comprehensive
  • Personal Auto Plus Package
  • Rental car expenses
  • Road Trouble Service
  • Collision

Service Coverage

While the company does not write policies for residents of all 50 states, they cover more states than many smaller companies. Auto insurance coverage is available for residents of the following 26 states: 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 and Wisconsin.


Dependent on the policy and the company which it is written as well as the state in which a policyholder lives, they may be eligible for one of the following discounts:

  • Accident foregivness
  • Feature 15
  • Multicar
  • Multi-policy
  • Passive restraints
  • Antitheft
  • Antilock
  • Youthful driver
  • Driver training
  • Youthful longevity
  • College student
  • Age 55 and over
  • Accident prevention course
  • Reduced usage
  • Payment plans

The Bad

  • Price range
  • File/track claims

Price Range has not disclosed pricing information.

File/Track Claims

Users may not file or track claims on, but depending on which company that the customer selects via their independent agents, file and tracking claims may be available online.

The Bottom Line

There is a significant key feature which is missing from the grading criteria, when reviewing and recommending – the price quote. This ultimately hurts the company’s rating, but is not as serious as some other possible voids. Being that the company offers products and referrals to local independent insurance agencies, it is not always clear with whom a prospective customer will be purchasing a policy. Not being sure about the specifics of a policy has its drawbacks.

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    November 10th, 2016 Helena, AL

    Let me first disclose that I am an independent insurance agent. Auto-Owners is by far better than any other car insurance company out there from a claims standpoint. Their underwriting process is much more stringent than other companies. This process will eliminate high risk drivers from being insured with the company. This allows them to keep rates stable and even lower rates at a time when most are going up. If you want a company that will be there when you need them. Then Auto-Owners is the company you want to be with!

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