How to buy
Exclusively through independent agents. Your premium depends on your profile, location, and coverage, so confirm current pricing with a quote.
An agent-distributed insurer writing personal, commercial, and life lines across a multi-state footprint. Founded in 1916 and based in Lansing, MI, Auto-Owners Insurance holds an AM Best Financial Strength Rating of A+ (Superior), the independent measure of an insurer’s ability to pay claims that we use to rank carriers.
Auto-Owners Insurance writes auto, homeowners, renters, condo, landlord, umbrella, life, motorcycle, boat, RV, commercial property, general liability, business owners policy (BOP), workers’ compensation, commercial auto coverage. It is often a fit for customers who want an independent agent, bundlers, small businesses. Reported strengths include strong am best rating (a+), high customer-satisfaction reputation, broad personal and commercial lineup. Trade-offs to weigh: sold exclusively through independent agents, not available nationwide, am best lowered its rating to a+ in oct 2024.
AM Best ratings and product availability change over time and vary by state. Confirm the current rating, the lines offered where you live, and pricing directly with the carrier or through a quote.
A carrier's marketing rarely tells you what matters. Before you buy auto coverage from Auto-Owners Insurance, or anyone, weigh four things that actually predict your experience:
- Financial strength. An insurer must be able to pay claims years from now. Check its AM Best financial-strength rating; A- or better signals a stable balance sheet.
- Claims & complaints. The NAIC complaint index compares consumer complaints to an insurer's market share, under 1.0 is better than average. It's the closest thing to a public claims-experience score.
- Coverage and exclusions. Two policies at the same price can differ enormously. Read what's covered, the limits, the deductible, and, most importantly, the exclusions.
- Discounts and price. Bundling, claims-free, and safety discounts move the number. Always gather at least two quotes so the comparison is real.
AM Best ratings, pricing, and product availability change over time and vary by state, so confirm the current specifics with the carrier or in a quote.
Is Auto-Owners Insurance available in my state?
Carrier availability and pricing vary by state and by line of business. The fastest way to confirm whether Auto-Owners Insurance writes auto insurance where you live, and at what price, is to start a quote with your ZIP code.
How financially strong is Auto-Owners Insurance?
Auto-Owners Insurance holds an AM Best Financial Strength Rating of A+ (Superior). AM Best is an independent agency that grades insurers on their ability to pay claims, and we rank carriers primarily by this third-party rating. Ratings can change, so confirm the current one before buying. See our methodology for how we compare carriers.
What should I check before buying a policy from any insurer?
Confirm the insurer's financial strength rating (AM Best), review its NAIC complaint index relative to market share, read the specific coverages, limits and exclusions, ask about available discounts, and get at least two competing quotes so you can compare like for like.