Auto-Owners earned the spot as the second-best car insurance provider in the U.S. in our nationwide study. The company's best qualities are its overall affordability, claims satisfaction and financial stability. Below, you can view its ratings and how it stacks up nationally.
Auto-Owners Insurance Review
Updated: April 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
Auto-Owners ranks 4th nationally for affordability, with average annual costs of $422 for minimum coverage and $973 for full coverage.
For overall customer satisfaction, Auto-Owners ranks 7th overall in the U.S. and 2nd for overall claims satisfaction.
In terms of coverage options, Auto-Owners ranks second nationally with unique choices like a diminishing vehicle value coverage.
Our Auto-Owners Car Insurance Review and Ratings
| Overall Rating | 89 | 2 |
| Overall Customer Satisfaction | 31 | 7 |
| Affordability | 26 | 4 |
| Claims Satisfaction | 18 | 2 |
| Coverage | 9 | 2 |
| Financial Stability | 5 | 1 |
Auto-Owners Car Insurance Ratings by State
National rankings can only go so far in describing how good their car insurance is for most drivers. So below, we’ve detailed how Auto-Owners ranks overall by state.
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state:Alabama
| Alabama | 84 | 3 |
How Much Does Auto-Owners Car Insurance Cost?
Overall, GEICO car insurance costs $35 monthly for minimum coverage and $81 per month for full coverage. However, this only represents 40-year-old drivers with good credit and no driving violations. So, to clarify how affordable car insurance can be with GEICO, we’ve broken down its rates by coverage, state and driver profile.
Auto-Owners Car Insurance Rates by State
While Auto-Owners is not available in every state, it is often the among the top 3 most affordable providers in many areas it services. Below, you can find out how they stack up pricewise in your state for minimum and full coverage policies.
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State:Alabama
| Alabama | $453 | 5 | $1,022 | 5 |
Auto-Owners Car Insurance Rates by Driver Profile
Below you can view Auto-Owners car insurance rates for different age groups and common driving violations:
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Cost Category:Accident
| Accident | $590 | $332 | $1,322 | $667 |
Auto-Owners Car Insurance Rates by Coverage Level
In the table below, you can compare Auto-Owners car insurance costs by coverage level.
| 100/300/1000,000 - 500 comp_coll | $1,073 | $408 | 28% |
| 100/300/100 Full Cov. w/$1,000 Ded. | $973 | $384 | 28% |
| 100/300/100 Full Cov. w/$1,500 Ded. | $925 | $400 | 30% |
| 100/300/100 Liability Only | $493 | $302 | 38% |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,061 | $406 | 28% |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,013 | $421 | 29% |
| 300/500/300 Full Cov. w/$500 Ded. | $1,161 | $430 | 27% |
| 300/500/300 Liability Only | $599 | $335 | 36% |
| State Minimum Liability Only | $422 | $206 | 33% |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $917 | $295 | 24% |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $868 | $311 | 26% |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,017 | $319 | 24% |
Is Auto-Owners Car Insurance Expensive?
Overall, when considering rates across the country, Auto-Owners ranks 4th in terms of affordability saving drivers an average of 33% on minimum liability policies and 28% for full coverage. Regardless of driver profile, you'll likely find large savings on average when compared to other companies if you are within their service area.
UNIQUE AUTO-OWNERS SAVINGS OPPORTUNITIES
Auto-Owners takes into account a favorable payment history and gives you a discount for paying insurance premiums on time for more than 36-months in a row, regardless of which provider you've had previously. Their opportunities for young drivers are more extensive than most as well, with savings opportunities for good students of up to 20%, discounted rates for unused vehicles while a student is away from home, and reductions for teens with GPS systems in their car.
Auto-Owners Car Insurance Customer Reviews and Reputation
In terms of overall customer satisfaction, Auto-Owners is above-average compared to national providers in our study. In studies outside of our own from J.D. Power, the company falls just above industry average but outperforms when it comes to claims satisfaction greatly. Below, we’ve broken down both our findings and those from reputable third-party research organizations.
Auto-Owners Car Insurance Customer Satisfaction Ratings
Auto-Owners overall ranked above average in their service areas, but ratings varied widely depending on region. According to J.D. Power, service ratings were below average in North-Central and the Southeast regions, while in the Central region of the U.S. they scored 3rd overall, 2nd in the Southwest, and first in Florida.
Below you can view the ratings of this study broken down by states and regions:
State or Region | J.D. Power Score | Difference From Average | Ranking |
|---|---|---|---|
Florida | 654 | 29 points above | 1st |
Central | 663 | 16 points above | 3rd |
North Central | 646 | 6 points below | 10th |
Southeast | 650 | 13 points below | 11th |
Southwest | 659 | 24 points above | 2nd |
To clarify which states each region refers to, we’ve listed what they cover below:
- Central: Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota.
- North Central: Illinois, Indiana, Michigan, Ohio, Wisconsin
- Southeast: Alabama, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tenessee
- Southwest: Arizona, Colorado, Nevada, New Mexico, Utah
Auto-Owners Car Insurance Claims Satisfaction and Financial Strength Ratings
Auto-Owners' highest rating in our study comes from its claims satisfaction rating, ranking 2nd overall nationwide from our analysis. The company has a claims index that is 89% lower than average for auto insurance which is lower than almost all providers we studied. The company also has A.M. Best's highest rating for financial strength of A++.
Auto-Owners Car Insurance Coverage Options
Auto-Owners offers standard coverages just like other leading insurers, including liability, comprehensive and collision insurance. Additional add-ons from the company include:
- Roadside Assistance: Roadside assistance, called Road Trouble Service by the company, covers you for standard items like towing, fuel delivery, battery jumpstarts, lockout assistance and more.
- Additional Expense Coverage: This works like trip interruption coverage and insures your for rental cars and expenses like lodging and food due to a breakdown of your vehicle.
- Gap Insurance: This covers the difference for a loan or lease balance if a vehicle is totaled.
- Diminished Value Coverage: This provides reimbursement for value lost from depreciation for your vehicle should you be in an accident.
- Rental Gap: If you cause damage to a rental car this coverage provides you with reimbursement for any damages you cause in accordance with your rental agreement.
- Accident Forgiveness: This coverage waives the accident surcharge for your first at-fault accident assuming you have not made a claim for one in the last 36 months.
Other Auto-Owners Insurance Coverage Options to Consider
Below, we’ve summarized coverage options offered through Auto-Owners' network of independent agents:
Who Offers It? | Insurance Products Available |
|---|---|
Directly Offered by Auto-Owners | Home Insurance, Renters Insurance, Condo Insurance, Umbrella Insurance, Business Insurance, Commercial Auto Insurance, Motorcycle Insurance, RV Insurance, Landlord Insurance, Life Insurance, Pet Insurance, Flood Insurance, |
Auto-Owners Auto Insurance Review: Bottom Line
Overall, Auto-Owners is a great option to consider if they are in your service area for auto insurance. Their rates are cheap all around for most drivers, customer service ratings are mostly good, and they offer a wide variety of add-on coverages and alternative products. However, as with all insurance products, we recommend that you compare rates with multiple providers in order to get the best deal.
Auto-Owners Car Insurance Reviews: FAQ
Below are MoneyGeek’s expert answers to frequently asked questions about GEICO car insurance:
Does Auto-Owners have a good reputation?
According to recent 2024 J.D. Power Studies, Auto-Owners has a higher-than-average customer service reputation overall. The company also has 89% less complaints than average, according to the NAIC Index.
How much does GEICO car insurance cost on average?
GEICO car insurance costs around $422 for minimum coverage and $973 for full coverage annually. However, depending on your particular driver profile, costs can range anywhere from $298 to $2,625 annually.
Where is Geico most affordable?
Auto-Owners is the cheapest car insurance company in Kansas and Georgia for both minimum and full coverage overall.
Where is GEICO the best car insurance company?
Auto-Owners earned the title of the best car insurance in company in many states that it serves including, Arizona, Arkansas, Georgia, Idaho, Kansas, Nebraska, Pennsylvania, South Carolina, Utah and Virginia.
How We Rated Auto-Owners Car Insurance
To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.