{"id":323669,"date":"2025-11-10T16:18:22","date_gmt":"2025-11-10T21:18:22","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=123247"},"modified":"2025-11-10T16:18:22","modified_gmt":"2025-11-10T21:18:22","slug":"auto-owners-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/","title":{"rendered":"Auto-Owners Car Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"report\" title=\"Reviews Report\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Reviews.com scores Auto-Owners insurance company with a 4.4 out of 5, supported by an <a href=\"https:\/\/www.auto-owners.com\">A++ (Superior) AM Best financial strength rating<\/a> and a Stable outlook with very large size (FSC XV) per recent <a href=\"https:\/\/www.jdpower.com\">AM Best rating actions<\/a>.<\/li><li>We compared Auto-Owners to <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.reviews.com\/insurance\/car\/the-largest-car-insurance-companies\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"achor-toggles\">large insurers<\/a> such as Progressive, State Farm, and USAA using regional results from <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> to highlight service strengths and gaps.<\/li><li>Auto-Owners\u2019 Personal Automobile Plus package bundles convenience coverages for one add-on premium, and drivers may also save with the <a href=\"https:\/\/www.auto-owners.com\">TrueRide<\/a> telematics program (participation and savings vary by state) alongside standard multi-policy discounts.<\/li><\/ul>\n\n\n\n<p>Finding the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance<\/a> means balancing financial strength, service, and price. Auto-Owners stands out for its top-tier AM Best rating <a href=\"https:\/\/www.auto-owners.com\">(A++ Superior)<\/a>, agent-driven service model, and consistently strong showings in <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s regional customer satisfaction results<\/a>.<\/p>\n\n\n\n<p>Our Auto-Owners review focuses on coverage choices, bundled packages, and discount pathways. Notable options include the <a href=\"https:\/\/www.auto-owners.com\">Personal Automobile Plus<\/a> endorsement, widely available add-ons (roadside, rental\/Additional Expense, loan\/lease gap), and behavior-based savings via <a href=\"https:\/\/www.auto-owners.com\">TrueRide<\/a>. Policies are sold through independent agents, and policyholders can manage billing and documents through the <a href=\"https:\/\/www.auto-owners.com\">Customer Center<\/a> (availability varies by state and form).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"premiums\" title=\"Premium Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The States Where Auto-Owners&#8217; Premiums Are Cheapest and Most Expensive<\/h2>\n\n\n<div class=\"infogram-graphic infogram-graphic--carrier_most_least_expensive_states h-margin-top-30 h-margin-bottom-30\">\n    <iframe src=\"https:\/\/e.infogram.com\/5d3889ea-25b0-42fd-9d87-1bd6269cc02a?src=embed\" title=\"Carrier Rates Most\/Least - AutoOwners\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n<\/div>\n\n\n\n\n<figure class=\"wp-block-table\"><table class=\"\"><tbody><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-south-dakota\/\" class=\"achor-toggles\">South Dakota<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-arkansas\/\" class=\"achor-toggles\">Arkansas<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-michigan\/\" rel=\"nofollow\" class=\"achor-toggles\">Michigan<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-colorado\/\" class=\"achor-toggles\">Colorado<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-kansas\/\" class=\"achor-toggles\">Kansas<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-nebraska\/\" class=\"achor-toggles\">Nebraska<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-minnesota\/\" class=\"achor-toggles\">Minnesota<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-georgia\/\" class=\"achor-toggles\">Georgia<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-south-carolina\/\" class=\"achor-toggles\">South Carolina<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-north-dakota\/\" rel=\"nofollow\" class=\"achor-toggles\">North Dakota<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-iowa\/\" class=\"achor-toggles\">Iowa<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-utah\/\" class=\"achor-toggles\">Utah<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-wisconsin\/\" class=\"achor-toggles\">Wisconsin<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-indiana\/\" class=\"achor-toggles\">Indiana<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-illinois\/\" class=\"achor-toggles\">Illinois<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-pennsylvania\/\" class=\"achor-toggles\">Pennsylvania<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-idaho\/\" class=\"achor-toggles\">Idaho<\/a><\/td><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-ohio\/\" class=\"achor-toggles\">Ohio<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><small><i>Data Source: <a href=\"https:\/\/www.coverage.com\/insurance\/auto\/alternate-state-data\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"achor-toggles\">Coverage.com<\/a>. Market context: carriers moved toward rate adequacy in 2024 with price increases moderating into 2025; shoppers remain highly active (<a href=\"https:\/\/www.fitchratings.com\/research\/insurance\">Fitch sector outlooks<\/a>; <a href=\"https:\/\/www.jdpower.com\">J.D. Power Insurance Shopping Study<\/a>; <a href=\"https:\/\/www.transunion.com\/industry\/insurance\/insurance-shopping-index\">TransUnion Shopping Index<\/a>).<\/i><\/small><\/p>\n\n\n\n\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Auto-Owners Car Insurance Overview\"><\/span>\n    \n\n\n<section id=\"block_609570010bdcb\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Auto-Owners Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">4.4<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1916<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best:\r\n\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A++<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power: \r\n\r\n\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Regional rankings (2025)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served:\r\n\r\n\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">26<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Auto-Owners car insurance pairs independent-agent guidance with strong financials and solid service reputation. Policyholders can manage billing and ID cards online in the <a href=\"https:\/\/www.auto-owners.com\">Customer Center<\/a>, while quotes and coverage tailoring are handled through local independent agents.<\/p>\n\n\n\n<p>Auto-Owners\u2019 \u201c<a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.auto-owners.com\/about\/who-we-are\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">No Problem<\/a>\u201d ethos is reflected in recent third-party benchmarks: the brand performs well in regional satisfaction in <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> and continues to earn favorable claims experience indicators in the latest <a href=\"https:\/\/www.jdpower.com\">J.D. Power U.S. Auto Claims Satisfaction Study<\/a>. For regulator-verified complaint ratios by legal entity and year, use the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a> (a complaint index below 1.00 indicates fewer complaints than the national median).<\/p>\n\n\n\n<section id=\"block_6095712f0bdd2\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Customer service:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Strong regional results in J.D. Power\u2019s 2025 auto insurance and claims studies (service varies by region)<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Financial stability:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">A++ (Superior) AM Best FSR with Stable outlook; very large size (FSC XV)<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Full service:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Broad personal lines portfolio (auto, home\/condo\/renters, umbrella, life) enabling multi-policy savings<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Bundling advantage:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Common\/single loss deductible feature when home and auto are both with Auto-Owners (state\/endorsement dependent)<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Not available nationwide:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Operates in 26 states across the Midwest, Southeast and parts of the Mountain West<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No online quotes: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Quotes are arranged through independent agents; online self-quote\/purchase is not broadly offered<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No online claims: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Claims are initiated via agent or 24\/7 phone support; web-based FNOL is limited versus direct carriers<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Auto-Owners Car Insurance Highlights\"><\/span>\n    \n\n                \n<section id=\"block_609572400bddb\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Auto-Owners Car Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Auto-Owners offers all state-required basics (liability, uninsured\/underinsured motorist, and medical payments\/PIP where applicable) plus optional comprehensive and collision. Common add-ons include Road Trouble Service (roadside), Additional Expense (rental car and travel interruption), loan\/lease gap, and package enhancements via <a href=\"https:\/\/www.auto-owners.com\">Personal Automobile Plus<\/a>. In many states, agents can also add features like rideshare (TNC) endorsements, accident forgiveness, and OEM parts coverage\u2014availability varies by state; see <a href=\"https:\/\/www.auto-owners.com\">Auto-Owners auto insurance<\/a>.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Auto-Owners continues to earn strong marks regionally in <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> and performs well in claims experience benchmarks in <a href=\"https:\/\/www.jdpower.com\">J.D. Power\u2019s latest Auto Claims Satisfaction Study<\/a>. For up-to-date regulator complaint indices, search by company at the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Auto-Owners markets a broad set of savings that commonly include multi-policy (home\/renters\/life + auto), multi-vehicle, paid-in-full and billing method, vehicle safety and anti-theft, good student and student-away, prior\/continuous insurance (in some states), and safe-driver options. Its <a href=\"https:\/\/www.auto-owners.com\">TrueRide<\/a> telematics app provides an initial participation credit and potential additional savings at renewal for top driving scores (program rules vary). Discounts and availability differ by state and risk factors\u2014confirm with your agent. See <a href=\"https:\/\/www.auto-owners.com\">Auto-Owners auto page<\/a>, plus independent reviews from <a href=\"https:\/\/www.forbes.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> for typical options and TrueRide savings ranges.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">File a claim through your Auto-Owners independent agent or by calling the company\u2019s 24\/7 claims line; guidance by claim type is provided on the <\/span><a href=\"https:\/\/www.auto-owners.com\/claims\"><span style=\"font-weight: 400;\">claims page<\/span><\/a><span style=\"font-weight: 400;\">. The company emphasizes agent-led support complemented by digital self-service for billing and documents via the <\/span><a href=\"https:\/\/www.auto-owners.com\"><span style=\"font-weight: 400;\">Customer Center<\/span><\/a><span style=\"font-weight: 400;\">. Industry benchmarks tie higher satisfaction to clear communication and timely resolutions\u2014see <\/span><a href=\"https:\/\/www.jdpower.com\"><span style=\"font-weight: 400;\">J.D. Power\u2019s Auto Claims Satisfaction Study<\/span><\/a><span style=\"font-weight: 400;\"> for current best practices and trends.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"bundle-discounts\" title=\"Bundling Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners&#8217; Car Insurance Bundling Discounts for Cheaper Insurance<\/h2>\n\n\n\n<p>Bundling auto with home, renters\/condo, umbrella, or life can unlock multi-policy discounts and simplify service through one agent. Auto-Owners\u2019 independent agents tailor bundles to your state and needs; see options on the <a href=\"https:\/\/www.auto-owners.com\">auto<\/a> and <a href=\"https:\/\/www.auto-owners.com\">home<\/a> product pages. Independent reviews from <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> also note strong bundling value.<\/p>\n\n\n\n<p>Auto-Owners highlights a common\/single loss deductible when both home and auto are insured with the company and one covered event damages both\u2014potentially reducing or waiving one deductible, subject to endorsement and state rules (confirm details with your agent on the <a href=\"https:\/\/www.auto-owners.com\">home insurance page<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"competitors\" title=\"Competitors \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners Car Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><strong>J.D. Power (regional results)*<\/strong><\/td><td><strong>Discount info<\/strong><\/td><\/tr><tr><td>Auto-Owners<\/td><td>4.4<\/td><td>A++<\/td><td><a href=\"https:\/\/www.jdpower.com\">Strong in several regions<\/a><\/td><td><a href=\"https:\/\/www.auto-owners.com\">See site (state-specific)<\/a><\/td><\/tr><tr><td>Progressive<\/td><td>4.4<\/td><td>A+<\/td><td><a href=\"https:\/\/www.jdpower.com\">Varies by region<\/a><\/td><td><a href=\"https:\/\/www.progressive.com\/auto\/discounts\/\">Published discount menu<\/a><\/td><\/tr><tr><td>State Farm<\/td><td>5<\/td><td>A++<\/td><td><a href=\"https:\/\/www.jdpower.com\">Often above average<\/a><\/td><td><a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\">Published discount menu<\/a><\/td><\/tr><tr><td>USAA<\/td><td>4.8<\/td><td>A++<\/td><td><a href=\"https:\/\/www.jdpower.com\">Very high (not rank-eligible)<\/a><\/td><td><a href=\"https:\/\/www.usaa.com\">Member-specific discounts<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information accurate as of 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s <\/em><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>2025 U.S. Auto Insurance Study<\/em><\/a><em> publishes regional rankings on a 1,000-point scale; individual brand scores are licensed content.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Auto-Owners vs. Progressive<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a> offers extensive digital tools and a large published discount list (including telematics via Snapshot), which can drive competitive pricing for many drivers. Auto-Owners counters with top-tier financial strength (A++ AM Best) and typically strong regional satisfaction, per <a href=\"https:\/\/www.jdpower.com\">J.D. Power<\/a>, delivered through independent agents. Choose based on preferred service model (digital-first vs. agent-led) and your eligibility for state-specific discounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Auto-Owners vs. State Farm<\/h3>\n\n\n\n<p>Both brands emphasize agent service and broad bundles. State Farm adds widely available rideshare endorsements and mature telematics programs, while Auto-Owners focuses on agent customization, bundled enhancement packages, and a common\/single loss deductible when you place home and auto with the company (state-dependent). Recent <a href=\"https:\/\/www.jdpower.com\">J.D. Power<\/a> reporting shows each performing well in multiple regions\u2014compare local rankings and quotes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Auto-Owners vs. USAA<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a> is limited to active military, veterans, and eligible family members, and it typically scores very highly but is not rank-eligible in J.D. Power public rankings. Auto-Owners is open to the general public in its 26-state footprint and is a strong fit for shoppers who prefer independent-agent service and bundling options. If you\u2019re USAA-eligible, compare both on regional satisfaction and total bundle value.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Auto-Owners FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners FAQ<\/h2>\n\n\n<div id=\"block_609577150bde4\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Which is better Auto-Owners insurance or State Farm car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The better choice depends on where you live and your service preferences. Auto-Owners is available in 26 states via independent agents; State Farm has national reach via captive agents. Compare quotes and check regional satisfaction in <\/span><a href=\"https:\/\/www.jdpower.com\"><span style=\"font-weight: 400;\">J.D. Power\u2019s latest study<\/span><\/a><span style=\"font-weight: 400;\">, then <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\"><span style=\"font-weight: 400;\">get quotes<\/span><\/a><span style=\"font-weight: 400;\"> from both to see total value with your desired coverages and deductibles.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_609577370bde5\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the rating for Auto-Owners insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">AM Best assigns Auto-Owners Insurance Group its highest Financial Strength Rating of A++ (Superior) with a Stable outlook and very large size (FSC XV), affirmed in recent rating actions. See <\/span><a href=\"https:\/\/www.auto-owners.com\"><span style=\"font-weight: 400;\">Auto-Owners\u2019 awards page<\/span><\/a><span style=\"font-weight: 400;\"> and the <\/span><a href=\"https:\/\/www.jdpower.com\"><span style=\"font-weight: 400;\">AM Best Newsroom<\/span><\/a><span style=\"font-weight: 400;\">. For customer experience, J.D. Power reports regional rankings rather than a single national score; Auto-Owners typically performs strongly in several regions per the <\/span><a href=\"https:\/\/www.jdpower.com\"><span style=\"font-weight: 400;\">2025 U.S. Auto Insurance Study<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6095774d0bde6\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who owns Auto-Owners insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Auto-Owners Insurance is not owned by an outside company \u2014 it\u2019s also known as Auto-Owners Insurance Group. Based in <\/span><a href=\"https:\/\/www.auto-owners.com\/about\/who-we-are\"><span style=\"font-weight: 400;\">Lansing, Michigan<\/span><\/a><span style=\"font-weight: 400;\">, it provides coverage to over three million policyholders.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_614a25b88169e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What states does Auto-Owners insurance write in?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Auto-Owners insurance currently writes in <\/span><a href=\"https:\/\/www.auto-owners.com\/agent-locator\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">26 states<\/span><\/a><span style=\"font-weight: 400;\"> across the Midwest and Southeast, with additional presence in parts of the Mountain West. The states include AL, AZ, AR, CO, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, NC, ND, NE, OH, PA, SC, SD, TN, UT, VA, and WI.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Auto-Owners Insurance Company based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li>Discounts: Auto insurance companies that publicly list more discount opportunities received higher scores; we verified discount menus on official sites (availability varies by state).<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability and outlook.<\/li><li>Customer Satisfaction: We referenced <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power\u2019s 2025 U.S. Auto Insurance Study<\/a> for regional satisfaction context and the latest <a href=\"https:\/\/www.jdpower.com\">Auto Claims Satisfaction Study<\/a> for claims benchmarks.<\/li><li>Coverage: Car insurance companies were awarded higher scores for advertised add-ons beyond liability, collision, comprehensive, UM\\\/UIM, and medical\\\/PIP (e.g., roadside, rental, gap, package endorsements).<\/li><li>Online Resources: We reviewed digital self-service capabilities (customer portals, apps) and claims support pathways; higher scores reflected broader, clearer self-service paired with accessible human help.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Reviews.com scores Auto-Owners insurance company with a 4.4 out of 5, supported by an A++ (Superior) AM Best financial strength rating and a Stable outlook with very large size (FSC XV) per recent AM Best rating actions. We compared Auto-Owners to large insurers such as Progressive, State Farm, and USAA using regional results [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361689,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Auto-Owners Auto Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of Auto-Owners auto insurance. We evaluated the company based on coverage availability, premiums, customer service reviews, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Auto-Owners Auto Insurance Review 2021 | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Our review of Auto-Owners auto insurance. We evaluated the company based on coverage availability, premiums, customer service reviews, and more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2021\/05\/auto-owners-review-1087912028.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Car\",\"item\":\"https:\/\/www.reviews.com\/insurance\/car\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Auto-Owners Car Insurance Review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Auto-Owners Auto Insurance Review 2021 | Reviews.com","description":"Our review of Auto-Owners auto insurance. 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