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Auto-Owners Insurance receives a rating of 8.9/10.0 for low rate options based on ratings of coverage, cost, availability, reputation and customer experience
Auto Owners Insurance Coverage States
Written by: Daniel Robinson, Written by: Daniel Robinson Author Daniel is a writer on the Guides team and has written for numerous automotive news sites and marketing companies in the US, UK and Australia, specializing in topics such as car financing and car care. Daniel is an expert on the Guides team for car insurance, loans, warranty options, car services and more.
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Edited by: Rashawn Mitchner, Edited by: Rashawn Mitchner Editor in Chief Rashawn Mitchner is an editor on the Guides team with over 10 years of experience in personal finance and insurance.
We at the Guides team took a close look at the best car insurance and cheapest car insurance companies in the country to find out how car liability insurance compares. In this article, we go into detail about the ratings, costs, and coverage of automobile liability insurance. We’ll also give you additional car insurance recommendations worth considering when looking for coverage.
The Guides team is committed to providing reliable information to help you make the best possible decision about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to create our ranking of the best car insurance companies. We collected data from dozens of auto insurance providers to evaluate the companies based on a variety of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the highest-scoring insurers at the top of the list.
We rate Auto Liability Insurance 8.9 out of 10.0 stars for its comprehensive insurance policies, impressive financial stability, and positive customer reviews. Although it’s not quite the top car insurance company, Auto-Owners Insurance performs relatively well overall.
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Drivers who choose auto liability insurance often receive good coverage at reasonable rates, but customer reviews show they are rarely impressed with the company’s claims process. However, if you are looking for a personal relationship with your insurance agent, automobile liability insurance is a good option.
Those who choose motor vehicle liability insurance can expect high-quality insurance coverage at relatively competitive prices. The company’s rates are not the best, but given the coverage on offer, the insurer offers good value for money.
There is a strong emphasis on personal relationships for auto liability insurance, and drivers largely seem to appreciate the effort. Although the car insurer is in excellent financial shape, reviews show that some customers want the company to have a stronger online presence.
Drivers who have had positive experiences with car insurance mention helpful representatives and quick claims processing. On the other hand, some customers speak of disrespectful independent agents and adjusters who refuse to fully cover vehicle damage.
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Drivers often have trouble with the auto insurance claim process because the company requires them to call their representatives instead of filing online. This can cause the process to take much longer than with other insurers and many policyholders face problems.
Our team reached out to Auto-Owners Insurance for comment on customer reviews, claims process and pricing, but did not receive a response.
Drivers who want to view their car insurance information on the go can download the Auto Owners mobile app. It receives good reviews online, with 3.0 out of 5.0 stars on the App Store and 3.3 stars on Google Play.
Policyholders who download the Auto-Owners mobile app can pay their bills, make roadside assistance requests and view their insurance credentials. You can also check the status of claims, although it is not possible to submit claims through the company’s app.
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In our research, we found that Auto-Owners Insurance tends to receive high ratings in consumer studies and review sites like BBB and Google.
In the J.D. Power 2023 US Insurance Shopping Study ℠, drivers rated Auto-Owner Insurance with 862 out of 1,000 possible points, slightly below the average for the mid-sized insurance category in terms of overall customer satisfaction. In addition, the provider performed well in the Southeast region in the J.D. Power 2022 US Auto Insurance Study℠ performs above average.
Motor vehicle liability insurance receives relatively good reviews. The provider receives 4.0 out of 5.0 stars on Google, which indicates excellent customer service. Auto-Owners Insurance receives a much less impressive rating of nearly 1.4 out of 5.0 stars from customers on the BBB, despite having an A+ rating and accreditation from the organization.
With Auto-Owners Insurance coverage, drivers can get all of the industry’s basic auto insurance options. Here are some of the most common ones:
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If you have auto liability insurance, you will also receive a deductible in the event that your car and your home are damaged at the same time. Additional benefits include extending your auto insurance coverage to rental cars and waiving your collision deductible if the accident involves two vehicles covered by auto liability insurance.
A final option is Auto-Owners®’ TrueRide, the company’s telematics program. If you choose this plan, your driving habits will be tracked via a mobile app on your smartphone. This could result in lower car insurance rates.
You can get car insurance from Auto-Owners Insurance if you live in one of the following states:
For those who have auto liability insurance as an option, it’s worth a look. However, you can often find cheaper and more comprehensive insurance coverage from other providers. Therefore, compare car insurance offers before choosing a provider.
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Car insurance rates are generally below the industry average. Based on our cost estimates, most drivers pay an average of $1,619 per year or $135 per month for full car insurance coverage with Auto-Owners. The minimum liability coverage with the insurer averages $358 per year or $30 per month.
Like most other car insurance companies, the quote you receive from Auto-Owners depends on several factors. For example, if you have poor credit, you’ll likely pay more overall for car insurance coverage. And if you have a bad driving record or are a young driver, your insurance will be more expensive.
One of the factors that has the biggest impact on the cost of your car insurance is your age. The younger you are, the more you typically pay for car insurance. Based on our research, car owners tend to provide estimates well below the national average for both younger and older drivers.
Below, we compare Auto Owners’ average comprehensive car insurance rates with some national averages. These quotes refer to a 35-year-old with a clean driving record.
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Average automobile liability insurance premiums are typically lower than the national average, but the difference is usually small. You can find competitive rates at Auto-Owners, but it’s probably not the cheapest option available.
If you have a history of accidents, speeding tickets, or drunk driving violations, you can expect to pay more for car insurance than a good driver. Here’s a look at the average cost estimates from car owners based on different driving profiles.
Auto-Owners offers some of the most competitive rates on the market for a regional insurer. The table below shows how Auto-Owner compares to other regional and national providers in terms of average monthly and annual costs.
Certain factors cause the amount of car insurance to vary from person to person. Below, we’ll go over the key elements that impact the quotes on your estimated car insurance premiums.
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Finding discounts on car liability insurance is fairly easy as the company has numerous savings options. Below we’ll go through some of the most common ones. While you probably won’t get all of these car insurance discounts, most drivers should qualify for at least some of them.
If you’re looking to bundle insurance policies with Auto-Owners Insurance to get a discount on multiple policies, it’s worth checking out the company’s other options. You can choose from the following types of insurance, and you can find more on the Auto-Owners Insurance website:
In addition to vehicle insurance, Auto-Owners also offers a range of home insurance products that policyholders can purchase. These include:
Life insurance is a type of policy that provides financial protection for those who may depend on you. Auto-Owners offers five different life insurance options including:
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If you live in a state where Auto-Owner Insurance provides coverage, it may be worth getting a quote from the company. The insurer’s rates tend to be lower than the national cost average and there are several car insurance options to choose from.
Many drivers will find that car insurance suits their needs well, but it is always worth comparing car insurance from multiple providers. This way, you may get stronger insurance coverage at a cheaper price. We recommend State Farm and Geico for their excellent customer service and savings options. Use our free quote tool to compare rates.
More drivers turn to State Farm than any other car insurance provider, and it’s easy to figure out why. The company consistently offers affordable fares, and teen drivers often receive significant discounts. Condition
