Last Updated: 04/18/2025
Auto-Owners Auto Insurance
Unaffiliated
in Car Insurance from Auto-Owners Insurance
Last Updated: 04/18/2025
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Financial Strength Rating
A+(Verified 04/18/2025)
Auto-Owners Auto Insurance Review
Auto-Owners Insurance is a car insurance carrier based in Lansing, MI. The insurance company was founded in 1916 and offers car insurance in 26 states in the USA.
If you're considering whether Auto-Owners Auto Insurance is a good option for you, read on.
Auto-Owners Auto Insurance Pros & Cons
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Auto-Owners Auto Insurance FAQ
What types of car insurance coverage options does Auto-Owners Auto Insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Auto-Owners Auto Insurance customers can also add the following riders or endorsements to their insurance policies:
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Auto-Owners Auto Insurance have roadside assistance?
Emergency Roadside Service available. Yes, Auto-Owners Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.Does Auto-Owners Auto Insurance offer ridesharing insurance?
No, Auto-Owners Auto Insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Auto-Owners Auto Insurance offer?
Auto-Owners Auto Insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
What insurance discounts does Auto-Owners Auto Insurance offer?
When you ask for an insurance quote with Auto-Owners Auto Insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Internal Safety Features: Auto-Owners Auto Insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Auto-Owners Auto Insurance.
How does Auto-Owners Insurance calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Auto-Owners Insurance is no exception. However, you can be confident that Auto-Owners Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Auto-Owners Auto Insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Auto-Owners Auto Insurance insurance quote
- Visit the Auto-Owners Insurance website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Auto-Owners Auto Insurance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 4:30PM
Tuesday
8:00AM - 4:30PM
Wednesday
8:00AM - 4:30PM
Thursday
8:00AM - 4:30PM
Friday
8:00AM - 4:30PM
Saturday
Closed