Auto-Owners Car Insurance Comparison for Good Drivers
Auto-Owners is in the middle of the pack when it comes to cheap rates for good drivers. If you have a clean driving record, consider getting quotes for Geico car insurance and State Farm car insurance.
Auto-Owners Car Insurance Comparison for Drivers With a Speeding Ticket
A speeding ticket is a fast way to make your car insurance rates go up. While you might not see a bump in your rates with Auto-Owners, you still might be able to find cheaper rates from Geico and State Farm.
Auto-Owners Car Insurance Comparison for Drivers Who Cause an Accident With Injury
If you cause an accident that injures someone else, expect your car insurance rates to increase when your policy renews. Auto-Owners has cheaper rates for drivers who caused an accident with an injury than most of its top competitors, but it’s worth getting a quote from State Farm to compare.
Auto-Owners Car Insurance Comparison for Drivers With a DUI
A DUI conviction can have very expensive car insurance consequences. Auto-Owners Insurance rates increase by more than $1,300 per year, on average, for drivers with a DUI compared to drivers with a good driving record. If you have a DUI on your record, try quotes from State Farm and Progressive.
Auto-Owners Car Insurance Comparison for Drivers With Poor Credit
While the use of credit-based insurance scores is controversial, some insurance companies lean heavily into the practice when setting car insurance rates. That’s why it’s a good idea to shop around for better auto insurance rates if your credit is poor. Our analysis found that Auto-Owners has the highest prices for drivers with poor credit. You’re better off getting quotes from other car insurance companies.
Auto-Owners Car Insurance Comparison for Drivers Caught Without Insurance
Some insurers see a gap in your car insurance history as a higher risk, which often means higher auto insurance rate. Geico may be your best bet for cheap rates if you were caught driving without car insurance, among the companies we analyzed.
Auto-Owners has low complaint levels from its car insurance customers. Its complaint level is well below the industry average for auto insurance.
Related: The best car insurance companies
Auto-Owners Grade from Collision Repair Professionals: B+
In a survey of collision repair professionals by CRASH Network, Auto-Owners earned a B+ grade.
The opinions of auto body professionals are worth considering because they see how insurance companies compare in the use of lower-quality repair parts, whether insurers encourage the use of repair procedures by car manufacturers, and whether insurers have claims processes that lead to quick and satisfactory claims for customers.
About Auto-Owners Car Insurance
Auto-Owners Insurance offers a variety of vehicle insurance options, including cars, all terrain vehicles, off-road vehicles, motorcycles, trailers, boats, motorhomes and recreational vehicles.
Add-on coverages available from Auto-Owners include:
- Personal automobile plus package. This package includes 10 additional coverage types like identity theft, replacing your cell phone and re-keying locks.
- Roadside assistance insurance. If you break down on the side of the road, this coverage pays for services such as a tow truck, battery jump-start, locksmith, refueling and changing a flat tire.
- Gap insurance. If you total your car, this coverage pays the difference between the actual cash value of your vehicle and what you owe on your loan or lease.
- Additional expenses coverage. If you can’t use your car because of a problem covered by your policy (like a car accident), this pays for expenses like lodging, meals and rental reimbursement.
- Diminished value. If your car is in an accident, its value might depreciate (even after repairs are made). This coverage compensates you for a reduction in value.
Auto-Owners also offers Collision Coverage Advantage. With this coverage, your collision deductible is waived if you get into a car crash with another vehicle insured by Auto-Owners.
Another benefit available from Auto-Owners is a Common Loss Deductible. If you insure both your car and home with Auto-Owners and an event causes damage to both (such as a tornado), your auto insurance deductible will be reduced by the amount of your personal property deductible—or waived if it is less than your personal property deductible.
How TrueRide from Auto-Owners Works
TrueRide is Auto-Owners’ usage-based car insurance program. If you’re a good driver and don’t mind having your driving tracked, you could save money compared to a regular Auto-Owners policy.
The TrueRide app tracks and scores driving behaviors such as speeding and phone use. You’ll automatically get a discount when you sign up for TrueRide and you can potentially land a bigger discount if you have good driving scores.
Your car insurance rate will be adjusted based on your TrueRide score when you renew your policy.
TrueRide will determine your discount based on factors including:
- Mileage (lower mileage reduces your risk of getting into an accident)
- Smoothness (harsh braking and acceleration)
- Time of day (rush hour and late-night drives can lower a score)
- Roads (driving at consistent speeds on highways and major roads)
- Phone use, such as handling the phone to make a call or text (passive phone use such as hands-free calls or using navigation will not be recorded)
Auto-Owners Car Insurance Discounts
Auto-Owners offers its customers a wide range of ways to save on car insurance. Here is a roundup of the different types of car insurance discounts available from Auto-Owners.
- Multi-policy discount. Bundling another insurance policy (such as home insurance) with your auto policy can land you a discount.
- Life multi-policy discount. You can get additional savings when you have a qualifying life insurance policy with Auto-Owners.
- Multi-car discount. If you insure two or more vehicles with Auto-Owners, you’ll receive a discount.
- Safety features discount. If your car has safety features such as airbags, anti-theft devices and anti-lock brakes, you may be eligible for a discount.
- Good student discount. If your student driver maintains a “B” average or higher, you may get a discount of up to 20%.
- Student away at school discount. If your student is attending school more than 100 miles from home and is without a vehicle, you may get a discount.
- Teen driver monitoring discount. If you have a GPS permanently installed in the car your teen primarily drives, you could get a discount.
- Payment history discount. If you’ve paid your car insurance on time for 36 months or more, you’ll receive a discount on your car insurance.
- Paid-in-full discount. Pay your auto insurance premium in full and you’ll save money on your car insurance.
- Green discount. Sign up for paperless billing and pay your auto insurance premium online and you’ll be eligible for a discount.
- Advance quote discount. New customers who ask for a premium quote before the effective date of the policy may qualify for a discount.
More Insurance from Auto-Owners
In addition to car insurance, Auto-Owners sells:
- Home insurance
- Umbrella insurance
- Life insurance
- Pet insurance
- Business insurance
- Commercial auto insurance
- Workers compensation insurance
- Commercial umbrella insurance
Auto-Owners also sells financial products such as annuities and bonds.
Auto-Owners Insurance Mobile Apps
Auto-Owners Mobile gives users 24/7 access to their insurance policies. You can manage policy tasks from your phone by using the app. Other features include:
- Bill pay
- Manage automatic payments
- Request roadside assistance
A Brief History of Auto-Owners Insurance
In July 1916, Vern V. Moulton and four other associates created Auto-Owners Insurance in Mount Pleasant, Michigan. In 1935, they expanded their business outside of Michigan, starting in Indiana. Auto-Owners began selling life insurance in 1966.
Today, Auto-Owners sells insurance in 26 states and is represented by more than 48,000 licensed agents.
Auto-Owners Insurance Charitable Causes
Auto-Owners gives back to the communities that employees, agents and policyholders live and work in. Through corporate philanthropy, Auto-Owners partners with organizations such as:
- The American Heart Association
- The American Red Cross
- Habitat for Humanity
- Susan G. Komen
- The American Cancer Society
- March of Dimes
Auto-Owners launched its A-O Gives Back program in 2018. This program inspires and encourages associates in 26 states to donate their time to local charity events.
Auto-Owners is also a part of The Martin Truex Jr. Foundation, which raises awareness and generates financial support for cancer research initiatives specific to ovarian and childhood cancers.
Methodology
To find average car insurance rates nationwide, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.
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