How Much Does Auto-Owners Car Insurance Cost?
Auto-Owners Insurance has built one of the strongest reputations in the United States insurance industry for offering competitive pricing alongside exceptional claims service. The Fortune 500 mutual insurer operates in 26 states through independent agents who provide personalized service while drawing on the financial strength of an A++ Superior rated company. For drivers in served states, Auto-Owners often delivers pricing that beats national insurers like Allstate, Farmers, and Liberty Mutual while providing claims service that consistently ranks at or near the top of J.D. Power studies.
This guide walks through average Auto-Owners car insurance rates across different driver profiles, what factors affect your specific premium, and how Auto-Owners compares to other major insurers on cost.
Average Auto-Owners Car Insurance Cost
Auto-Owners’ average annual premium for full coverage runs approximately $1,350 to $1,700 in served states, making it one of the more competitive major insurers available. Minimum liability coverage averages $550 to $800 per year.
| Coverage Level | Auto-Owners Annual Average | National Average |
|---|---|---|
| Minimum Liability | $550 to $800 | $650 to $850 |
| Standard Full Coverage | $1,350 to $1,700 | $1,700 to $2,100 |
| High-Limit Full Coverage | $1,700 to $2,150 | $2,100 to $2,700 |
Auto-Owners Cost by Driver Profile
| Driver Profile | Typical Annual Premium (Full Coverage) |
|---|---|
| Good driver, age 35, clean record | $1,250 to $1,550 |
| Young driver, age 18, on parent’s policy | $2,500 to $3,900 |
| Young driver, age 18, own policy | $3,500 to $5,900 |
| Driver with one at-fault accident | $1,900 to $2,500 |
| Driver with one DUI | $2,700 to $4,100 |
| Senior driver, age 65, clean record | $1,250 to $1,650 |
| Driver with poor credit | $2,100 to $2,800 |
Auto-Owners Cost by State
Auto-Owners operates in 26 states. Here are typical premiums in some of its largest markets:
| State | Auto-Owners Annual Average (Full Coverage) |
|---|---|
| Ohio | $950 to $1,250 |
| Iowa | $1,000 to $1,300 |
| Wisconsin | $1,050 to $1,350 |
| Indiana | $1,100 to $1,450 |
| Michigan | $1,800 to $2,500 |
| Tennessee | $1,350 to $1,750 |
| Georgia | $1,500 to $1,950 |
| Florida | $1,950 to $2,650 |
| North Carolina | $1,250 to $1,650 |
What Affects Your Auto-Owners Premium
Driving Record
Accidents, traffic violations, and DUIs all affect Auto-Owners pricing. A single at-fault accident typically increases your premium by 25% to 40%. Accident Forgiveness can provide protection for qualifying drivers.
Credit Score
In states where credit-based insurance scoring is permitted, Auto-Owners uses credit as a rating factor. Strong credit produces meaningful premium reductions.
Age and Experience
Younger drivers pay considerably more than experienced drivers. Premiums typically decrease as drivers reach mid-20s.
Vehicle Type
Sports cars, luxury vehicles, and cars with high theft rates or expensive repair costs all increase your premium.
Annual Mileage
How much you drive affects your premium. Lower-mileage drivers typically receive better rates.
Coverage Choices
Liability limits, deductibles, and optional coverages all affect your final premium.
Location
Your specific zip code matters significantly. Urban areas with higher accident frequency influence pricing.
Auto-Owners Discounts That Lower Your Premium
Multi-Policy Bundling Discount
Bundling auto with Auto-Owners home, renters, or other policies produces savings of up to 25%. This is one of the most competitive bundling discounts in the industry.
Multi-Vehicle Discount
Insuring two or more vehicles on a single Auto-Owners policy produces standard multi-vehicle savings.
Safe Driver Discount
Drivers without recent accidents or violations qualify for premium discounts.
Good Student Discount
Full-time students under 25 with a B average or better can save on premiums.
Student Away at School Discount
Students attending college 100+ miles from home who do not regularly drive the family car qualify for premium discounts.
Driver Training Discount
Drivers under 21 who completed an approved driver training course qualify for additional discounts.
Defensive Driving Course Discount
Drivers who complete an approved defensive driving course qualify for premium discounts.
Pay-in-Full Discount
Paying your full premium in a single payment rather than monthly installments saves on installment fees.
Auto Pay Discount
Setting up automatic premium payments through electronic funds transfer qualifies for premium savings.
Paperless Discount
Choosing electronic billing rather than paper bills qualifies for a small discount.
Anti-Theft Device Discount
Vehicles with anti-theft devices qualify for comprehensive coverage discounts.
Passive Restraint Discount
Vehicles with airbags or passive restraints qualify for medical payments coverage discounts.
Anti-Lock Brakes Discount
Vehicles with factory-installed anti-lock braking systems qualify for liability premium discounts.
Life Multi-Policy Discount
Customers who also have Auto-Owners life insurance qualify for additional auto premium discounts.
Personal Automobile Plus Package
While not a direct discount, this package adds 10 coverage enhancements for one premium, often providing better value than purchasing individual coverages.
How Auto-Owners Compares to Major Competitors
| Insurer | National Average Annual Premium (Full Coverage) |
|---|---|
| USAA (military families) | $1,200 to $1,500 |
| Erie Insurance | $1,250 to $1,600 |
| Auto-Owners | $1,350 to $1,700 |
| GEICO | $1,400 to $1,750 |
| State Farm | $1,400 to $1,800 |
| Travelers | $1,500 to $1,900 |
| American Family | $1,600 to $2,000 |
| Progressive | $1,650 to $2,000 |
| Nationwide | $1,700 to $2,100 |
| Allstate | $1,800 to $2,200 |
| Farmers | $1,900 to $2,400 |
| Liberty Mutual | $2,100 to $2,600 |
Auto-Owners ranks among the most competitive major insurers, typically beating Allstate, Farmers, Liberty Mutual, and Nationwide on price while offering superior claims service.
When Auto-Owners Is the Best Choice for Cost
- Drivers in the 26 states where Auto-Owners operates
- Households bundling auto with home insurance
- Customers who value exceptional claims service
- Drivers wanting the Personal Automobile Plus Package value
- Households needing both personal and farm or business insurance
- Long-term customers benefiting from continuous relationships
When Auto-Owners May Not Be Available
- Drivers in states where Auto-Owners does not operate (24 states)
- Drivers preferring fully online direct purchase without agent involvement
- Customers seeking the absolute lowest base rates regardless of claims service
How to Get the Best Auto-Owners Quote
Work With a Local Independent Agent
Auto-Owners operates exclusively through independent agents. A local agent can review your specific situation and identify all applicable discounts. Independent agents can also compare Auto-Owners against other carriers they represent.
Bundle Multiple Policies
Combining auto with home, renters, life, or umbrella insurance produces meaningful bundling savings of up to 25%.
Consider the Personal Automobile Plus Package
The packaged coverage often provides better value than purchasing individual coverages separately.
Apply All Available Discounts
Auto-Owners offers many discounts that may apply to your situation. Ask specifically about each category.
Adjust Your Deductibles
Higher deductibles reduce premiums significantly. Auto-Owners also offers the Common Loss Deductible feature when bundling.
Maintain Continuous Coverage
Auto-Owners rewards customer loyalty with retention-based pricing benefits.
Compare With Other Carriers
Even with Auto-Owners’ competitive pricing, comparing rates ensures you get the best value. The team at Matrix Insurance can help compare Auto-Owners against other top carriers.
For broader perspective on what affects car insurance pricing, our guide on how car insurance premiums are calculated walks through the rating factors used industry-wide.
Frequently Asked Questions
Is Auto-Owners Insurance cheaper than other insurers?
Auto-Owners is typically cheaper than Allstate, Farmers, Liberty Mutual, and Nationwide. Pricing is comparable to State Farm and GEICO in most states, slightly higher than Erie and USAA.
Why is Auto-Owners pricing competitive?
Auto-Owners operates as a mutual company prioritizing policyholder value over shareholder returns. The efficient operations, conservative underwriting, and regional focus all contribute to competitive pricing.
Does Auto-Owners raise rates often?
Auto-Owners reviews rates at standard renewal cycles. The company’s pricing approach tends to be more stable than competitors that frequently adjust rates based on market conditions.
Does Auto-Owners offer accident forgiveness?
Yes. Auto-Owners offers Accident Forgiveness for qualifying drivers, preventing rate increases after a first at-fault accident.
Can I get Auto-Owners insurance online?
Auto-Owners operates exclusively through independent agents. You can request quotes online at auto-owners.com, but the actual purchase typically involves an agent.
What states does Auto-Owners serve?
Auto-Owners operates in 26 states primarily in the Midwest, South, and parts of the Mountain West.
Is Auto-Owners a mutual company?
Yes. Auto-Owners is structured as a mutual insurance company where policyholders are the owners. The mutual structure prioritizes long-term policyholder value over quarterly shareholder returns.
The Bottom Line
Auto-Owners car insurance averages $1,350 to $1,700 per year for full coverage in served states, making it one of the most competitive major insurers available. The combination of competitive pricing, exceptional claims service that consistently ranks at the top of J.D. Power studies, the A++ Superior financial strength rating (highest possible), and personalized service through independent agents makes Auto-Owners an exceptional choice for drivers in its 26 served states.
For households in served states, Auto-Owners often delivers the best combination of low pricing and high service quality among major national insurers. The mutual company structure and 100+ year operational history provide confidence in the long-term stability of the relationship.
The team at Matrix Insurance can help you compare Auto-Owners against other top-rated carriers. Use our Car Insurance Calculator for a starting estimate, or reach out to our team directly for a personalized rate comparison.
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