Auto-Owners Insurance Review (2025)
- Overall rating: good (3.5/5 stars)
- Average cost: $780 for a 6-month policy
- 94.7% of customers recommend Auto-Owners
Read more below to get a quote directly from Auto-Owners.
Auto-Owners Insurance: A good choice for many drivers
Auto-Owners is recognized for its reliable long-term coverage and strong financial stability, earning a good rating from experts at The Zebra.
Customers appreciate the ease of filing claims through multiple channels, though some report challenges with customer service, including slow responses and communication gaps. The company also offers a broad selection of discounts, helping policyholders save on their premiums.
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Longevity: Established history suggests reliable long-term coverage.
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Financial stability: Strong ratings indicate the carrier can pay claims during major events.
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Claims convenience: Multiple filing options make submitting claims simple and quick.
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Service concerns: Frequent complaints suggest problems with claims and customer service.
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Lacks integration: No integration means managing insurance separately from other accounts.
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Communication gaps: Poor communication forces you to chase down claim updates.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Auto-Owners car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Auto-Owners is about $780.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $246 | $780 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Auto-Owners stacks up against competitors →
Discounts offered at Auto-Owners: more ways to save than competitors
Auto-owners offers a variety of available discounts. Along with the usual options you'll find elsewhere (such as multi-policy and multi-car discounts), Auto-owners also offers other ways to help customers save on premiums.
If you’ve paid your premium on time for at least 36 months, you can receive a discount.
Enroll in paperless billing and pay online to qualify for this discount.
Pay your annual premium in full at the beginning of your policy to find savings.
| Multi-Policy Discount | Multi-Car Discount |
| Life Multi-Policy Discount | Safety Feature Discount |
| Payment History Discount | Deductibles Discount |
| Paid-in-Full Discount | Favorable Loss History Discount |
| Green Discount | Student Discount |
| Advance-Quote Discount |
To learn more about each discount Auto-Owners has to offer, see their discounts page.
Compare with other companies
See how Auto-Owners stacks up against similar companies
Cost: $780 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
- Reliable auto insurance company
- Competitive premiums
- Robust and wide ranges of discounts available
Cost: $759 for a six-month auto policy
Customer satisfaction: Moderate
Our take:
- Strong response times
- More discount options than Auto-Owners
- Better digital experience scores than Auto-Owners
Cost: $737 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
- Similar digital experience scores as Auto-Owners
- Cheaper prices than Auto-Owners
- Higher trust scores than Auto-Owners
Auto-Owners customer service & claims experience: Strong service with minor fluctuations
Auto-Owners is a solid choice for many drivers, with strong financial ratings, above-average claims satisfaction, and generally positive customer experiences. Routine tasks are smooth and efficient, though complex claims can take longer. With premiums often below the national average, Auto-Owners offers affordable, reliable coverage.
Related Questions
Other people are also asking...
Is Auto-Owners as good as big insurance companies?
Does Auto-Owners have apps and other technology?
Is bundling cheaper with Auto-Owners?
Does having a local Auto-Owners adjuster actually make claims easier?
Auto-Owners Customer Survey results
94.7% of customers recommend Auto-Owners
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Auto-Owners was rated in individual categories by expanding the section below.[2]
Source: The Zebra
How much will your rates climb after filing a claim with Auto-Owners?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $841 |
| One comp claim | $1,012 |
| Two comp claims | $1,061 |
| At-fault accident - $1000-$2000 | $1,130 |
| At-fault accident - greater than $2000 | $1,144 |
Source: The Zebra
Auto-Owners Insurance provides a solid choice for a variety of drivers, offering above-average claims satisfaction and a strong financial rating, which indicates reliability in paying claims. Customers generally report positive experiences, and the company maintains a relatively low number of complaints. Premiums are often significantly lower than the national average, making Auto-Owners an attractive option for budget-conscious drivers without sacrificing service quality.
Coverage options: Adjustable to your needs
Along with standard coverage like comprehensive, collision, liability, medical payments and uninsured/underinsured motorist, customers can personalize their Auto-Owners policies by selecting from a range of optional coverage extras.
Final thoughts: Is Auto-Owners Right for You?
Auto-Owners offers flexible coverage and competitive premiums backed by strong financial stability and reliable claims handling. While discounts are somewhat limited, drivers benefit from easy-to-use digital tools and consistent customer support, making it a dependable choice for many.
Frequently Asked Questions about Auto-Owners
Get quotes from Auto-Owners and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.