Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Mar 11, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

What You Need to Know

  • Auto-Owners Insurance Company operates in 26 states 
  • Coverage options include underinsured or uninsured drivers, as well as GAP insurance for installment or lease sales
  • Policyholders have over 10 opportunities for discounts on their policies

Founded in Mount Pleasant, Michigan in 1916, Auto-Owners Insurance Company soon moved its operations to Lansing, Michigan which is still its base of operations today. The company is licensed to operate in 26 states through over 48,000 licensed agents. 

This Fortune 500 company provides auto insurance products such as road trouble service, purchase price guarantee, and rental car coverage. It covers a large number of vehicle types and other insurance types like home, life, and business insurance. 

While finding the right provider might seem like a tough task, we provide access to concise information through our Auto-Owners Insurance review. This review will cover the coverage you can expect, whether you have access to discounts, and how to file a claim. 

Please continue reading to learn more about Auto-Owners Insurance. You can also try our free car insurance comparison tool to get quotes for insurance in your area.

Auto-Owners Car Insurance Coverage 

Auto-Owners offers an extensive range of policies that include several different types of coverage. Let’s take a look at the different coverages and what they offer.

Collision

This is a typical coverage type offered by almost any auto insurance company and covers the cost of repairs or replacement in the event of an accident. 

Comprehensive 

This coverage type increases the range of the coverage to include fire damage, vandalism, weather, theft, and other types of damage. 

Bodily Injury Liability and Property Damage Liability

This covers events such as injuries to people or damage to property and includes legal defense if you’re sued. 

Uninsured/Underinsured Motorist

Uninsured or underinsured motorist covers accidents where the other party doesn’t have insurance or adequate insurance coverage in the event of damage, injury, or death.

Medical Payments and Personal Injury Protection 

These two insurance types cover medical expenses, hospital costs, and rehabilitation resulting from injury to the insured or a passenger. 

Roadside Service 

This covers the small details, such as locking your keys in the car, running out of fuel, or getting stranded on the side of the road due to a flat tire. 

Additional Expenses 

This coverage provides for added expenses when you can’t use your vehicle due to an accident such as car rental, housing, and food when you’re stranded away from home, as well as incidental expenses. 

Loan GAP/Lease GAP 

This coverage kicks in the moment the car drives off the showroom floor and covers the difference in value if an accident should take place. 

Diminished Value

This covers the drop in value that happens once your car is involved in an accident. 

Personal Automobile Package 

Additional coverage types are bundled into one product to save hassles and costs. These policies include identity theft, re-keying locks, and cellphone replacements.

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What auto insurance discounts are available? 

Auto-Owners Insurance offers a wide range of ways to save on its website. These include: 

  • Multi-policy discount. Discounts available to policyholders who have multiple qualifying products with Auto-Owners
  • Life multi-policy discount. Discounts in premiums for those with qualifying life insurance policies with Auto-Owners
  • Payment history. Paying premiums on time for at least 36 months can afford you a discount on your premiums
  • Paid-in-full discount. Discounts if policy premiums are paid in full and on time 
  • Green discount. A discount is offered to policyholders who request paperless billing and make payments online.
  • Advance quote. New applicants who request a premium quote before the policy’s effective date may qualify for a discount. 
  • Multi-car. A discount opportunity for individuals who may want to add two or more vehicles to a policy 
  • Safety feature discount. Certain features may allow policyholders to qualify for a discount, including anti-lock brake systems(ABS) and anti-theft devices. 
  • Favorable loss history. Lower losses may result in lower premiums. 
  • Student discounts. A number of discounts are available to students for having good grades, those who live more than 100 miles from home without a vehicle, and good GPS monitoring through the smartphone app to track student drivers. 

Auto-Owners’ many discount options make it easy to save. 

In which states does Auto-Owners offer insurance coverage? 

Auto-Owners Insurance offers a healthy representation across many of the states, with a strong representation in the Midwest. Auto-Owners provides insurance coverage in the following states: 

  • Alabama
  • Arizona
  • Arkansas
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indianapolis
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Massachusetts
  • Michigan
  • Minnesota
  • Missouri
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • Ohio
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Virginia
  • Wisconsin

With more than 65 locations, the company’s Find Your Agent function allows you to locate your nearest office. 

How To File an Auto Claim With Auto-Owners Insurance 

Auto-Owners policyholders can place their claims directly with the company’s agents. Each agent has their own protocol as to how they deal with a claim, such as logging it online, via telephone, or direct mail. For after-hours claims, policyholders can call 1-888-252-4626.

Auto-Owners Insurance has a three-step process after a car accident: 

  • Step 1 — Gather Information. Gather the name and contact details of the other driver, as well as those of injured parties and possible witnesses. 
  • Step 2 — Don’t Discuss Details. Only discuss the incident with the investigating police officer on the scene. 
  • Step 3 — Contact Your Agency. File your claim with your independent insurance agent, who will then notify Auto-Owners and set the claim in motion. 

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Does Auto-Owners Insurance offer any other types of insurance? 

Auto-Owners offers a range of other insurance types, including home, business, and life insurance. 

Home Insurance

  • Homeowners 
  • Condos 
  • Renters 
  • Rental dwelling 
  • Mobile home 
  • Umbrella 
  • Property and valuables 
  • Farm
  • Pet
  • Flood 

Life Insurance 

  • Term life 
  • Universal life 
  • Whole life 
  • Annuities 
  • Disability income 

Business Insurance 

  • Commercial auto 
  • Workers compensation
  • Bonds 
  • Loss control 
  • Commercial umbrella 

Auto-Owners offers coverage for all stages of your life and business.

The Bottom Line on Auto-Owners Insurance Company 

Auto-Owners Insurance has been around for more than a century and is rated as one of the top insurance companies. It provides comprehensive insurance through its extensive list of accredited agents in 26 states across the country.

While Auto-Owners started out offering car insurance, they quickly expanded to address home and business insurance needs.  

Remember to compare several different companies when purchasing car insurance. Use your ZIP code in our free car insurance comparison tool to find the best coverage in your area.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.