Auto-Owners Auto Insurance Review 2026

Auto-Owners is ideal for drivers who prefer working directly with agents and have good driving records that can qualify them for competitive rates.

Auto-Owners Is Best for Those Who:

• Like working with an independent agent for personalized service
• Want to cover teen and young adult drivers
• Want to bundle auto with home, life, or other policy types
• Need to insure alternative vehicles, such as RVs, boats, or trailers

Auto-Owners Is Not Best for Those Who:

• Prefer to get quotes and manage policies online
• Don’t live in a state serviced by Auto-Owners

Auto-Owners sells auto policies in: 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.

According to the aggregated data we analyzed, Auto-Owners rates tend to be below average. The average annual rate for a full coverage policy from Auto-Owners is $1,870, compared to the national average of $2,356. Meanwhile, a minimum coverage policy costs an average of $520 per year from Auto-Owners, which is also less than the national average of $722.

Auto insurance rates vary greatly based on factors like location, driving record, age and even gender, so your quoted rate may differ from these rates. However, these averages indicate that Auto-Owners policies tend to be on the more affordable side.

Although Auto-Owners tends to have decent rates to begin with, it also offers many discounts to further reduce your premium.

Highlighted Discount: Teen Driver Monitoring

Auto-Owners has a teen driver monitoring program, which works like any other telematics discount program but is only for teens. To qualify, your teen must have a GPS permanently installed in their vehicle or be enrolled in an eligible mobile app. Auto-Owners doesn’t advertise how much of a discount you can get from this program, so ask an agent for details.

Auto-Owners prides itself on working exclusively with independent local agents, so it doesn’t provide quotes or the ability to purchase policies online. If you live in one of the 26 states where Auto-Owners operates, you can go to its website, navigate to the Auto page, and click “Find an Agent for a Quote” to locate an agent in your area.

A local agent will take down your information, including details about the drivers and vehicles you’d like to insure. They will be able to give you personalized coverage suggestions and can help you purchase your policy if you’re ready to move ahead.

Auto-Owners has standard insurance coverages, including liability coverage, collision and comprehensive coverage (referred to as “full coverage” when purchased with higher liability limits), medical payments, personal injury protection and uninsured motorist coverage.

Additionally, Auto-Owners offers the following optional add-on coverages:

Auto-Owners scores highly in most of the customer satisfaction metrics I looked at, which means you can generally expect a good customer experience in most areas if you choose to insure with them. That said, the metric in which it did score below average indicates a potential for a mixed customer experience depending on how you’re interacting with the company.

I’ll start by mentioning all the positives. First off, Auto-Owners ranked above average on the J.D. Power 2025 Claims Satisfaction Study, with a score of 711 out of 1,000 (the average was 700). The claims process includes filing a claim, the estimate process, getting a payout, and the repair process.

The company also scored highly on CRASH Network’s 2026 Insurer Report Card, making the “Honor Roll” in 16th place out of 91 with a rating of B. This means that auto repair shops generally find the insurer easy to work with when making repairs for covered incidents, which likely translates to a smoother experience for customers.

When considering financial stability, Auto-Owners is very reliable, with an A+ rating (Superior) from AM Best. This means you can trust the company to pay out settlements when you file a claim for a covered repair.

Auto-Owners ranked slightly above average in the J.D. Power 2026 U.S. Insurance Shopping Study, with a score of 672 out of 1,000. This study evaluates customer satisfaction with the insurance purchase experience, so this ranking may be related to the company’s agent-exclusive buying process.

On the flip side, Auto-Owners scored below average in every single region it was ranked for J.D. Power’s 2026 Auto Insurance Study. This study is a comprehensive region-by-region study of customer satisfaction; Auto-Owners notably garnered below-average scores for the Central, North Central, Florida, Southeast, and Southwest regions. This is in comparison to the preceding year, in which Auto-Owners garnered above average scores.

If you need to file a claim with Auto-Owners, you’ll need to do so through your local agent. The company also provides a number you can call (1-888-252-4626) after hours.

Once you report a claim, you can track its progress on the company’s online portal or mobile app. Auto-Owners doesn’t give an expected timeframe for claims resolution as every claim is different, but it does note that it provides 24-hour claim service. That means you can reach someone to report a loss at any time.

Once the settlement is approved, you can also expect a quick payment by choosing an electronic payment method, including a direct deposit into your bank account, Venmo or PayPal.

We assess companies on the following:

• Pricing (40%): We analyze average rates for minimum and full coverage for various drivers. This includes those with clean records, at-fault accidents, speeding tickets, DUIs, low credit, and households with teens. We also look at available discounts, which can help customers save even more. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Customer Experience (25%): We leverage third-party data alongside our personal experiences as auto insurance customers to provide insights into the shopping journey and the ease of engaging with providers. We also test digital tools firsthand and review customer feedback to evaluate the usability of websites, mobile apps, and online account management features.
• Claims Handling (25%): Since claim fulfillment is a core function of an insurance company, our assessment involves analyzing claims processes using data from sources such as AM Best, CRASH Network, and J.D. Power, as well as customer feedback and our own experiences.
• Coverage (10%): We prioritize companies that offer additional protections like gap coverage, rideshare, roadside assistance, classic car coverage, accident forgiveness, and more.

Read more about our ratings and methodology.