- Auto-Owners auto insurance: Overall verdict
- Auto-Owners availability and average premiums by state
- What auto insurance coverages does Auto-Owners offer?
- How does Auto-Owners insurance rank?
- How much is Auto-Owners car insurance?
- Auto-Owners car insurance rates by state
- Auto-Owners insurance rates for teens
- Auto-Owners Insurance rates for adults
- Auto-Owners insurance rates for seniors
- Auto-Owners insurance rates for drivers with tickets, accidents and poor credit
- Auto-Owners insurance discounts and ways to save
- What do people ask about Auto-Owners insurance?
- Sources & Methodology
Auto-Owners auto insurance: Overall verdict
Auto-Owners rated well in our study of the best car insurance companies of 2026, but isn’t ranked because of its limited availability. However, it is top-rated among regional carriers. It has some of the cheapest premiums and gets high marks for auto claims satisfaction. Its website doesn’t offer as many features as some of the bigger providers, and potential clients will need to reach out to an agent to get a quote.
Auto-Owners isn’t as well-known as its larger competitors, but the company has a long history; it’s been around since 1916 and provides insurance policies to about 3 million clients.
Auto-Owners availability and average premiums by state
Auto-Owners offers car insurance in 26 states.
| State | Coverage | Average annual premium |
|---|---|---|
| Alabama | Full Coverage | $2,227 |
| Alabama | Liability Only | $742 |
| Alabama | Non-Owners | $191 |
| Alabama | State Minimum | $530 |
| Arizona | Full Coverage | $2,258 |
| Arizona | Liability Only | $767 |
| Arizona | Non-Owners | $172 |
| Arizona | State Minimum | $548 |
| Arkansas | - | - |
| Colorado | Full Coverage | $2,725 |
| Colorado | Liability Only | $1,140 |
| Colorado | Non-Owners | $107 |
| Colorado | State Minimum | $708 |
| Florida | - | - |
| Georgia | Full Coverage | $2,266 |
| Georgia | Liability Only | $777 |
| Georgia | Non-Owners | $108 |
| Georgia | State Minimum | $569 |
| Idaho | Full Coverage | $1,558 |
| Idaho | Liability Only | $425 |
| Idaho | Non-Owners | $42 |
| Idaho | State Minimum | $315 |
| Illinois | Full Coverage | $2,031 |
| Illinois | Liability Only | $454 |
| Illinois | Non-Owners | $95 |
| Illinois | State Minimum | $398 |
| Indiana | Full Coverage | $1,889 |
| Indiana | Liability Only | $423 |
| Indiana | Non-Owners | $54 |
| Indiana | State Minimum | $351 |
| Iowa | Full Coverage | $1,772 |
| Iowa | Liability Only | $344 |
| Iowa | Non-Owners | $51 |
| Iowa | State Minimum | $307 |
| Kansas | - | - |
| Kentucky | Full Coverage | $2,549 |
| Kentucky | Liability Only | $903 |
| Kentucky | Non-Owners | $116 |
| Kentucky | State Minimum | $707 |
| Michigan | Full Coverage | $2,877 |
| Michigan | Liability Only | $567 |
| Michigan | Non-Owners | $398 |
| Michigan | State Minimum | $531 |
| Minnesota | Full Coverage | $1,864 |
| Minnesota | Liability Only | $410 |
| Minnesota | Non-Owners | $68 |
| Minnesota | State Minimum | $384 |
| Missouri | - | - |
| Nebraska | Full Coverage | $1,638 |
| Nebraska | Liability Only | $415 |
| Nebraska | Non-Owners | $86 |
| Nebraska | State Minimum | $375 |
| North Carolina | - | - |
| North Dakota | Full Coverage | $2,446 |
| North Dakota | Liability Only | $375 |
| North Dakota | Non-Owners | $109 |
| North Dakota | State Minimum | $353 |
| Ohio | Full Coverage | $1,694 |
| Ohio | Liability Only | $384 |
| Ohio | Non-Owners | $47 |
| Ohio | State Minimum | $320 |
| Pennsylvania | - | - |
| South Carolina | Full Coverage | $1,715 |
| South Carolina | Liability Only | $751 |
| South Carolina | Non-Owners | $91 |
| South Carolina | State Minimum | $533 |
| South Dakota | Full Coverage | $2,891 |
| South Dakota | Liability Only | $333 |
| South Dakota | Non-Owners | $112 |
| South Dakota | State Minimum | $363 |
| Tennessee | - | - |
| Utah | Full Coverage | $1,953 |
| Utah | Liability Only | $700 |
| Utah | Non-Owners | $114 |
| Utah | State Minimum | $591 |
| Virginia | Full Coverage | $1,979 |
| Virginia | Liability Only | $548 |
| Virginia | Non-Owners | $145 |
| Virginia | State Minimum | $537 |
| Wisconsin | - | - |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What auto insurance coverages does Auto-Owners offer?
Auto-Owners offers a full line of car insurance policies to meet most drivers’ needs, as well as policies for home, life and business.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Roadside assistance
- At-fault accident forgiveness
- Common loss deductible for those with home and auto policies
- Classic car
- Rental car reimbursement
- Gap insurance
How does Auto-Owners insurance rank?
Auto-Owners was not ranked against national carriers in our study, but earned 4.55 stars out of 5, the top rating among regional carriers. It offers some of the cheapest premiums, and customers rate it highly for auto claims satisfaction.
You will need to contact an agent to get a quote, but the combination of great rates and high satisfaction could make it worthwhile.
Here’s a look at how it compared to other regional car insurance providers:
| Company | AM Best | Customer satisfaction | NAIC* | Monthly premium | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | A+ | 86% | 0.443 | $171 | 4.55 |
| Erie | A | 92% | 0.772 | $159 | 4.5 |
| American Family | A | 84% | 0.669 | $159 | 4.44 |
| Auto Club Group (AAA Midwest/South) | A | 89% | 0.684 | $185 | 4.3 |
| Auto Club Enterprises (AAA SoCal) | A+ | 90% | 1.293 | $243 | 3.76 |
| CSAA Insurance Group (AAA NorCal/NV/UT) | A | 92% | 1.021 | $251 | 3.68 |
| Mercury | A | 89% | 1.072 | $270 | 3.56 |
*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Auto-Owners car insurance?
Average full coverage rates for a 40-year-old male or female driver with Auto-Owners are $2,051 per year or $171 monthly. That compares to $1,906 per year at Erie and $3,205 per year for Allstate, one of the major carriers at the pricier end.
If you’re looking to lower your car insurance premiums, Auto-Owners could be a good place to start. It has the third-lowest premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates among the auto insurance carriers we ranked. Erie Insurance has the cheapest rates overall but only offers coverage in 12 states. Auto-Owners also has a limited footprint, but with 26 states covered, it may be an option for more drivers.
Here is a comparison of rates with several large competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Auto-Owners | $2,051 | $171 |
| American Family | $1,912 | $159 |
| Auto Club Enterprises (AAA) | $2,917 | $243 |
| Auto Club Group - ACG (AAA) | $2,223 | $185 |
| CSAA Insurance (AAA) | $3,010 | $251 |
| Erie Insurance | $1,906 | $159 |
| Mercury Insurance | $3,237 | $270 |
Auto-Owners car insurance rates by state
Michigan and South Dakota drivers pay the most for car insurance with Auto-Owners, while Maine and New Hampshire have the cheapest rates.
Some states have considerably higher insurance rates due to such factors as frequent hail events, flooding and higher litigation costs. And rates vary by company in each state,
Take a look at the average annual Auto-Owners car insurance rates by state below.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| Alabama | $530 | $742 | $2,227 |
| Arizona | $548 | $767 | $2,258 |
| Colorado | $708 | $1,140 | $2,725 |
| Georgia | $569 | $777 | $2,266 |
| Iowa | $307 | $344 | $1,772 |
| Idaho | $315 | $425 | $1,558 |
| Illinois | $398 | $454 | $2,031 |
| Indiana | $351 | $423 | $1,889 |
| Kentucky | $707 | $903 | $2,549 |
| Maine | $266 | $268 | $1,060 |
| Michigan | $531 | $567 | $2,877 |
| Minnesota | $384 | $410 | $1,864 |
| North Dakota | $353 | $375 | $2,446 |
| Nebraska | $375 | $415 | $1,638 |
| New Hampshire | $294 | $335 | $1,377 |
| Ohio | $320 | $384 | $1,694 |
| South Carolina | $533 | $751 | $1,715 |
| South Dakota | $363 | $333 | $2,891 |
| Utah | $591 | $700 | $1,953 |
| Virginia | $537 | $548 | $1,979 |
| Vermont | $267 | $296 | $1,501 |
Auto-Owners insurance rates for teens
The average cost of a teen car insurance policy with Auto-Owners is $5,107 a year.
Teenage drivers will pay some of the most expensive rates for car insurance with Auto-Owners, as they will with pretty much every insurance company. The good news is that rates begin to fall as you get older.
Here’s what a teenage driver can expect to pay with Auto-Owners compared to average rates at other ages and with other companies.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| Auto-Owners | $5,107 | $3,323 | $2,051 |
| American Family | $5,413 | $2,873 | $1,912 |
| Auto Club Enterprises (AAA) | $9,274 | $5,103 | $2,917 |
| Auto Club Group - ACG (AAA) | $6,436 | $3,701 | $2,223 |
| CSAA Insurance (AAA) | $10,946 | $4,922 | $3,010 |
| Erie Insurance | $4,634 | $3,057 | $1,906 |
| Mercury Insurance | $12,251 | $5,405 | $3,237 |
Auto-Owners Insurance rates for adults
The average cost of car insurance for a 30-year-old driver with Auto-Owners is $2,119 for a male driver and $2,110 for a female.
While it can vary slightly by insurance company, adults will pay some of their cheapest rates at around 60, when average rates with Auto-Owners are $1,854 for males and $1,848 for females.
Here’s what adults can expect to pay annually on average for full coverage car insurance with Auto-Owners at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $2,703 | $2,622 |
| 30 | $2,119 | $2,110 |
| 35 | $2,074 | $2,067 |
| 40 | $2,054 | $2,047 |
| 45 | $2,002 | $1,996 |
| 50 | $1,932 | $1,926 |
| 55 | $1,873 | $1,866 |
| 60 | $1,854 | $1,848 |
Auto-Owners insurance rates for seniors
Rates dip at age 60 with Auto-Owners, but then start to increase. At 65, the average rate with Auto-Owners is $1,910 for a male and $1,903 for a female.
Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight, or other factors and will vary from driver to driver.
For that reason, expect your rates to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens.
Here’s a look at average annual rates for senior car insurance with Auto-Owners.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $1,910 | $1,903 |
| 70 | $2,046 | $2,039 |
| 75 | $2,228 | $2,220 |
Auto-Owners insurance rates for drivers with tickets, accidents and poor credit
Auto-Owners’ rates for drivers with poor credit are about 63% higher than for drivers with a clean driving record, indicating that the company gives poor credit a significant weight in its rate calculations.
Insurers crunch a lot of data to develop very accurate risk profiles of drivers, and your driving history is a major factor. If you have had a recent ticket or accident, you’re more likely to have another.
They also consider factors you may not be aware of, such as your credit score. A poor credit score is associated with filing more claims, and Auto-Owners will charge you almost three times more if you have a poor credit rating.
Auto-Owners insurance discounts and ways to save
Most car insurance carriers offer a wide range of discounts to help lower your rates, and Auto-Owners is no different.
Discounts are offered for bundling policies, installing safety devices, and paying your premium in full. Discounts typically range from about 5% to 30%, and it is possible to qualify for multiple discounts.
Auto-Owners car insurance discounts include the following:
- Multi-car and multi-policy discounts
- Installed car safety equipment
- Paying yearly premium in full
- Good payment history over 36 months
- Going paperless
- Good student discount
- Going away to college discount
- Installing a GPS monitoring app for a teen driver
What do people ask about Auto-Owners insurance?
Is Auto-Owners available in Florida?
Yes, Auto-Owners operates in Florida.
Why did my Auto-Owners insurance rate go up?
There are a lot of reasons for your car insurance rates to go up. Sometimes, it’s related to a change in your risk, such as a ticket or a teen driver. Recently, auto insurance rates have increased nationwide in response to higher claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs related to inflation, increased cost of parts and labor and increases in severe weather. For many, a rate increase doesn’t reflect their driving but rather a general increase.
Is Auto-Owners a good insurance company?
In our survey, customers rated Auto-Owners about average for customer satisfaction, and it scored solidly in most categories.
Its website doesn’t offer many bells and whistles, and you will need to contact an agent for a quote, but it’s definitely worth adding to your list if you're shopping for cheaper rates.
Sources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Sources
Auto-Owners. “Ways to Save” Accessed March 2026.
Helpful auto insurance tools and calculators