Review
Updated
Fact Checked
Ashley Maready
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
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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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
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: The Ascent'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: The Ascent'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
2024 Award Winner
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
2024 Award Winner
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
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.
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Review sources
- https://www.auto-owners.com/insurance/auto/ways-to-save
- https://www.auto-owners.com/insurance/
- https://www.auto-owners.com/insurance/auto/coverages
- https://www.jdpower.com/business/press-releases/2023-us-auto-insurance-study
- https://www.jdpower.com/business/press-releases/2023-us-auto-claims-satisfaction-study
- https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=18988&:refresh
Our auto insurance rating methodology
At The Motley Fool Ascent, 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.
Our Insurance Experts
Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
Fact Checked
Ashley Maready
Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.
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