Auto Insurance · Editor review

Auto-Owners auto insurance review.

4.3/5· Reviewed by CarSavr editorsUpdated: June 29, 2026

Best for: Drivers in the Midwest and Southeast who want an independent agent and very low complaint levels.

Reviewed by CarSavr Editorial TeamReviewed Jun 29, 2026Editorial standards

Avg annual premium · 2024 national avg

$1,395

A.M. Best rating

A++

Provider type

carrier

Coverage

26 states

What we like

+Very low NAIC complaint ratio (0.32)
+A++ (Superior) A.M. Best financial strength
+Competitive pricing in its core Midwest + Southeast states
+Independent agents can quote several carriers at once
+Strong multi-policy and multi-car discounts

What we don't

−Not available in 24 states (mostly Pacific, Northeast and parts of the South)
−No direct online quote; you'll go through an agent
−Fewer digital tools than the national direct writers
−Experience varies by local agency

Editor's verdict

Auto-Owners is a Michigan-based mutual insurer licensed in 26 states, mostly across the Midwest and Southeast. It pairs a J.D. Power score of 850 with one of the lowest NAIC complaint ratios we track (0.32) and an A++ A.M. Best rating. It sells only through independent agents, so there's no instant online quote, but pricing is competitive where it operates.

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Auto-Owners Insurance FAQ

Can I get an Auto-Owners quote online?+

Not directly. Auto-Owners sells only through independent agents, so you'll get a quote by phone or in person from a local agency.

Is Auto-Owners a good insurance company?+

Its complaint and financial-strength data are excellent: a 0.32 NAIC complaint ratio and an A++ A.M. Best rating. Availability is the main limit.

Which states does Auto-Owners cover?+

26 states, mostly in the Midwest and Southeast. Check with a local independent agent to confirm your state.

Is Auto-Owners cheaper than GEICO?+

Sometimes, especially for clean-record drivers in its core states. Compare both for the same coverage limits.

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Auto-Owners auto insurance by state

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