Auto-Owners Insurance review 2025
Shoppers in search of affordable auto or home insurance through local independent agents in 26 states may find the best fit with Auto-Owners.
Bankrate Award winner
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AutoAvg. annual premium for full coverage $1,885Avg. annual premium for min coverage $490HomeAvg. annual premium for $300k dwelling coverage $2,084Avg. annual premium for $750k dwelling coverage $4,118
News
In October 2024, AM Best downgraded Auto-Owners’s financial strength rating from A++ (Superior) to A+ (Superior). While the A+ rating still indicates that Auto-Owners’ overall financial situation is positive, the downgrade reflects some struggles to repay claims in the past few years, likely due to supply chain issues, inflation and other pressures on the insurance and collision repair industries.
Compare Auto-Owners with other insurers
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Featured
Auto-Owners
4.3
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.4Coverage 4.2Support 4.1 |
AAA
4.0
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.9Coverage 4.1Support 4.0 |
Erie
3.9
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.2Coverage 3.8Support 3.2 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Auto-Owners could be a good fit if you are looking for insurance policies that can be highly personalized to your needs. Coverage is only available in 26 states, though, so it’s not an option for everyone.
Read More
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AAA may be better known for its roadside assistance packages and membership perks, but the company also offers solid home and auto insurance options and a long list of discounts. Membership is required though, so if you’d rather not commit to a membership, Auto-Owners might be the better insurance option.
Read More
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If you prefer working with a local independent agent, Erie may offer the personalized customer experience you’re looking for. Like Auto-Owners, Erie’s policies offer robust coverage options. Coverage is only available in 12 states and Washington, D.C., though, so Auto-Owners might be better if you live outside of Erie’s coverage area.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Offers diminished value coverage
Discounts for young drivers
Bundling discount options
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Local agents available
Geographic-focused coverage
Additional AAA perks
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Erie Rate Lock stabilizes rates
Includes pet coverage
Roadside assistance
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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$1,885 |
$2,294 | $2,261 |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| 692/1000 | 701/1000 |
733/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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| $2,084 |
$1,949 |
$2,498 |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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719/1000 |
Not Scored | 705/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A++(Superior) |
A(Excellent) | A+(Superior) |
Auto-Owners car insurance review
If you’re looking for highly customizable car insurance coverage at an affordable rate, you may want to get a quote from Auto-Owners — provided you live in one of the 26 states where the company does business. In Bankrate’s annual analysis of the best car insurance companies nationwide, Auto-Owners came out on top for affordability, winning the 2025 Bankrate Award for Best Budget Auto Insurance Company.
In addition to standard coverage options and common endorsements like gap insurance and roadside assistance, Auto-Owners offers coverage for modified and converted cars, making it a good option for car insurance for drivers with disabilities. The company also boasts a broad range of discounts, including three distinct ways to save for younger drivers who may face higher premiums.
Pros and cons of Auto-Owners car insurance
Pros
- Lifetime guarantee on auto repairs due to a covered claim if you take your vehicle to an approved shop
- Emergency expense allowance will cover up to $500 for food, lodging and travel if you’re stranded after a covered claim
- Lower-than-average premiums for full coverage car insurance
Cons
- Lower-than-average J.D. Power scores for overall customer satisfaction and claims satisfaction
- Not available nationwide
Auto-Owners car insurance cost
On average, Auto-Owners charges $1,885 per year for full coverage car insurance and $490 per year for state minimum coverage, according to Quadrant Information Services. That’s 29 percent less than the full coverage national average cost of car insurance.
Compare Auto-Owners car insurance rates
Auto-Owners consistently offers lower average rates than most competitors. However, each driver is different, and rates may vary significantly based on factors such as driver profile and location.
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$157
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$41
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$223
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$75
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$182
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$61
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$181
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$49
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$279
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$82
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$172
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$50
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$159
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$57
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$256
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$81
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$185
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$60
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$188
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$62
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Auto-Owners car insurance quotes by driver profile
Auto-Owners provides affordable average coverage for some customers with incidents on their driving history, such as speeding tickets or at-fault accidents. However, rate increases associated with these incidents can vary significantly depending on the details of the infraction or crash.
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Good driver, good credit
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Auto-Owners full coverage premium
$1,885
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National full coverage premium
$2,671
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Auto-Owners full coverage premium
$5,854
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National full coverage premium
$4,693
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Auto-Owners full coverage premium
$2,170
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National full coverage premium
$3,272
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Auto-Owners full coverage premium
$2,561
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National full coverage premium
$3,841
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Auto-Owners full coverage premium
$3,789
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National full coverage premium
$5,233
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Auto-Owners car insurance quotes by age
For younger drivers, who often pay the highest rates of any age group for both full and minimum coverage, Auto-Owners may be among the most affordable options.
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Auto-Owners full coverage premium
$4,457
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National full coverage premium
$5,710
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Auto-Owners full coverage premium
$3,438
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National full coverage premium
$4,925
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Auto-Owners full coverage premium
$3,703
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National full coverage premium
$5,398
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Auto-Owners full coverage premium
$2,489
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National full coverage premium
$3,294
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Auto-Owners full coverage premium
$1,951
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National full coverage premium
$2,850
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Auto-Owners full coverage premium
$1,885
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National full coverage premium
$2,671
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Auto-Owners full coverage premium
$1,715
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National full coverage premium
$2,415
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Auto-Owners home insurance review
Despite the name, Auto-Owners doesn’t just sell auto insurance. Auto-Owners also received a high Bankrate Score of 4.3 out of 5.0 for its homeowners insurance product, which boasts the same balance of affordability and customization as its auto offerings. If you already have car insurance through Auto-Owners or are seeking affordable home and auto coverage, Auto-Owners may make the list of the best home insurance companies.
On top of standard coverage types like dwelling, other structures and liability coverage, you may also have the option to add extras like identity theft coverage, home cyber protection, guaranteed home replacement, sewer backup coverage and equipment breakdown. In addition, the Homeowners Plus endorsement adds several add-ons, such as coverage for damage to your property caused by household appliances, with one endorsement.
Pros and cons of Auto-Owners home insurance
When comparing home insurance quotes, it’s important to consider factors other than price. Here are some of the pros and cons of Auto-Owners home insurance that we identified in our review:
Pros
- Numerous coverage options and discounts available
- Very low NAIC Complaint Index
- Local agents available to help you choose appropriate coverage
Cons
- Not available nationwide
- Digital tools aren’t as robust as those from some competitors
- Lower-than-average J.D. Power rating for home insurance satisfaction
Auto-Owners home insurance cost
The average annual premium for an Auto-Owners home insurance policy with $300,000 of dwelling coverage is $2,084, according to data from Quadrant Information Services. Compared to the national average of $2,408, that’s 13 percent less than what average homeowners pay.
Compare Auto-Owners homeowners insurance rates
Auto-Owners has comparatively low average homeowners insurance rates in the areas where it operates. This relative affordability could make Auto-Owners an attractive choice for many homeowners — but keep in mind that your own rates may depend on factors such as your home’s age and value.
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$2,084
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- $324 |
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$2,186
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- $222 |
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$2,573
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+ $165 |
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$1,248
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- $1,160 |
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$2,787
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+ $379 |
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$2,073
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- $335 |
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$3,257
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+ $849 |
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$1,980
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- $428 |
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$2,711
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+ $303 |
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$2,498
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+ $90 |
Auto-Owners home insurance quotes by dwelling coverage
Your dwelling coverage has a big impact on your premium. Compare average rates across dwelling limits from Auto-Owners.
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$150K dwelling
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Auto-Owners average premium
$1,398
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National average premium
$1,442
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$300K dwelling
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Auto-Owners average premium
$2,084
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National average premium
$2,408
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$350K dwelling
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Auto-Owners average premium
$2,338
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National average premium
$2,724
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$450K dwelling
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Auto-Owners average premium
$2,846
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National average premium
$3,357
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$750K dwelling
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Auto-Owners average premium
$4,118
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National average premium
$5,237
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Get personalized home insurance quotes
Answering a few quick questions to check your availability with Auto-Owners
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Auto-Owners life insurance review
Auto-Owners life insurance could be a good fit for policyholders who need coverage and already have their home or auto insured with the company. Auto-Owners offers a life multi-policy discount, which could earn you some additional savings on your auto or home policy if you also have an Auto-Owners’ life insurance policy.
Auto-Owners offers several types of life insurance, including term life, whole life and universal life insurance policies, which means that there are multiple options for finding the right policy type for your needs.
Pros and cons of Auto-Owners life insurance
Pros
- Having a policy may qualify you for auto or home insurance savings
- Several types of life insurance available
- Licensed local agents can guide you through the life insurance process
Cons
- No online quotes available
- No endorsements advertised online
- Does not advertise a no-medical-exam option
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about Auto-Owners?
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Auto-Owners behind-the-login experience
Below is a sneak peek into the platform that Auto-Owners customers navigate to service their policy, access documents and more
Auto-Owners insurance experience
The above images were last updated on May 16, 2025
Frequently asked questions about Auto-Owners Insurance
What policyholders are saying about Auto-Owners
Auto-Owners has 50 reviews
Dive into community reviews below and see what others think about Auto-Owners.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
