Auto-Owners Auto Insurance Review: Personalized Support and Unique Perks

Auto-Owners auto insurance is a strong choice for those who value customer service and want a single company that can meet all their insurance needs. Its rates aren't the lowest for most drivers, though teens might be able to snag a below-average rate. Read our full Auto-Owners car insurance review to learn more.

Best for customer serviceAuto-Owners

Rating image, 4.50 out of 5 stars.

4.50/5

Bottom Line

Auto-Owners auto insurance has a strong appeal to those who value prompt and supportive customer service. It also stands out for its comprehensive policies, including its rare diminished value option. The biggest thing holding it back is its above-average rates for most drivers, though teens can still find good deals here.

Pros

Excellent customer service
Affordable rates for young drivers
Coverage for all types of vehicles
Diminished value coverage

Cons

Not available in all states
No online quote tool
Above-average rates for drivers with clean records

Stand-Out Coverage Options

Additional expense coverage, which pays for rental cars and other necessary expenses following an accident
Diminished value coverage, which ensures policyholders are compensated for any reduction in their vehicle's value following an accident

Full Auto-Owners auto insurance review

Jump To

Monthly premium costs

Auto-Owners car insurance premiums are pretty competitive for young drivers. But its rates for most other drivers are actually a little above the national average.

This may not be the case for all drivers, though. Many factors go into a car insurance quote, including the driver's accident history, their address, and their vehicle make and model. The only way to know exactly how much an Auto-Owners policy will cost a specific driver is to call and get a quote.

35y, female, clean record	35y, male, clean record	35y, female, one accident	18y, male, clean record
$218.58	$218.58	$284.92	$490.92

Data source: Motley Fool Money's analysis of standardized personas.

Cost comparison

Auto-Owners car insurance premiums are above the national average for most drivers. Interestingly, though, teens and those seeking minimum coverage can find pretty affordable rates here. The table below shows how Auto-Owners' annual premiums compare to the nation as a whole.

	Auto-Owners Insurance Average Rate	National Average Rate
Clean Driving Record	$2,623	$2,389
Accident on Record	$3,419	$3,370
Speeding Ticket on Record	$4,098	$3,032
DUI on Record	$5,550	$4,380
18 Years OId - New Driver	$5,891	$6,291
65 Years Old - Senior	$2,376	$2,140
Military Service	$2,736	$2,375
Minimum Coverage (Liability Only)	$656	$787

Data source: Motley Fool Money's analysis of standardized personas.

Discounts

Auto-Owners doesn't offer as many car insurance discounts as some of its competitors. But it hits all the basics, and many of the discounts are easy to achieve. Many drivers will likely qualify for more than one and this will help reduce their rates.

Advance quote
Favorable loss history
Good student
Green
Life multi-policy
Multi-car
Multi-policy
Paid in full
Payment history
Safety feature
Student away at school
Teen driver monitoring

Coverage

Policy types

ATV and offroad vehicle
Boat
Car
Classic car
Converted or modified car
Motorcycle
Motorhome and RV
Trailer

Auto-Owners offers a competitive selection of policy types. It even offers coverage for classic vehicles and modified vehicles, which many of its competitors don't cover.

Coverage types

Accident forgiveness
Additional expense
Bodily injury liability
Collision
Comprehensive
Diminished value
Gap coverage
Medical payments
Personal injury protection
Property damage liability
Rental auto gap
Road trouble service
Underinsured motorist
Uninsured motorist

Drivers who choose Auto-Owners will get all the standard coverage options required by law as well as a choice of many common optional protections. One of its most unique offerings is its diminished value coverage, which pays the driver if their vehicle loses value following an accident.

Customer service and ratings

Drivers tend to review Auto-Owners favorably. It scored above average in every region it was featured in during the latest J.D. Power U.S. Auto InsuranceStudy. It also fared well in J.D. Power's U.S. Auto Claims Satisfaction Study, edging out many larger, better-known insurers.

Auto-Owners also has a fairly low complaint ratio with the National Association of Insurance Commissioners (NAIC). This suggests most customers are happy with the support they've received when they've reached out to Auto-Owners or had to file a claim.

Other insurance available

Auto-Owners homeowners insurance
Auto-Owners condo insurance
Auto-Owners renter insurance
Auto-Owners rental dwelling insurance
Auto-Owners mobile home insurance
Auto-Owners umbrella insurance
Auto-Owners property & valuables insurance
Auto-Owners farm insurance
Auto-Owners pet insurance
Auto-Owners flood insurance
Auto-Owners life insurance
Auto-Owners business insurance
Auto-Owners commercial umbrella insurance

Auto-Owners is a solid choice for those interested in purchasing multiple types of insurance from the same company. It covers all the major types of personal property insurance and even offers business and life insurance as well.

Alternatives to consider

2025 Award Winner

Best for bundling coverageState Farm

Rating image, 5.00 out of 5 stars.

5.00/5

Get a Quote

Read our State Farm review

2025 Award Winner

Best for price conscious consumersGeico

Rating image, 4.50 out of 5 stars.

4.50/5

Get a Quote

Read our Geico review

When looking for an insurer that's available everywhere and has great online tools: State Farm offers auto insurance in all 50 states and it enables drivers to get a quote and purchase a policy entirely online if they don't want to speak to an agent. But it also has a network of local agents for those who prefer personalized service.

When looking for an insurer that offers great rates to everyone: Geico is best known for offering affordable rates to most drivers. It also offers numerous discounts to help drivers save even more.

Auto-Owners insurance summary

Auto-Owners car insurance is a good fit for:

Drivers who value personalized support
Drivers seeking rare coverage options, like diminished value coverage
Young drivers seeking an affordable rate

But those looking for a company that offers affordable rates to everyone may want to check out Geico. And those who prefer to purchase and manage their policy online might like State Farm better.

Review sources

Our auto insurance rating methodology

At Motley Fool Money, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.

This device is too small