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What to Know
Auto-Owners doesn't sell car insurance in several highly populated states, including California, Texas, New York, and New Jersey, as well as Washington and the District of Columbia. But it does cover more than 53% of the U.S. population, and the independent agents it works with sell policies directly to consumers.
The main wrinkle is that it can take a bit more time to compare Auto-Owners quotes with other companies because it doesn't allow online quotes. However, working with an insurance agent can help ensure you understand the coverage you need and get it at the best price.
Auto-Owners
- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like Auto-Owners
Auto-Owners pairs a broad discount list with three student-focused discounts: good student, student away at school, and teen driver monitoring. It also sells add-ons you won't find at every company, such as diminished value and rental auto gap coverage. That makes it worth a look for families with young drivers who live in one of its states. If you live in its coverage area and want to work with an agent, Auto-Owners is worth considering.
Pros and Cons
Pros
- Offers gap insurance
- 13 discounts to choose from
Cons
- Can't buy a policy online
- No online quotes
Solvable's Take on Auto-Owners Car Insurance
Auto-Owners is a good choice for a specific kind of driver in its 26 states. One is the household that will bundle, since multi-policy and multi-car discounts all apply. Another is the family with a teen or college student, which can draw on the three student-focused discounts. It also suits drivers who want a usage-based option through TrueRide and anyone financing a car who needs gap insurance.
The company also looks financially steady. Auto-Owners reported a 90% combined ratio in 2025, which measures a company's profitability and its ability to pay premiums. It ended 2025 with more than $18.2 billion in policyholder surplus.
If you prefer to sign up for and manage your policy online, however, Auto-Owners might not be your top choice – you can file glass claims online, but everything else has to go through an agent.
Auto-Owners Car Insurance Discounts
Auto-Owners discounts cover bundling, students, payment habits and driving behavior. Eligibility and amounts vary by state and driver.
- Multi-policy
- Payment history
- Green
- Multi-car
- Good student
- Student away at school
- Teen driver monitoring
- Life multi-policy
- Paid-in-full
- Advance quote
- Safety feature
- Favorable loss history
- TrueRide (usage-based)
Auto-Owners Car Insurance Coverage
Liability coverage
Liability coverage pays for injuries and property damage you cause to other people in a crash. It doesn't pay to fix your own car.
Collision coverage
Collision coverage pays to repair your car after a crash, no matter who caused it, minus your deductible. Your deductible is the amount you pay out of pocket before the insurance pays the rest.
Comprehensive coverage
Comprehensive coverage pays for damage that doesn't come from a crash, such as theft, hail or hitting an animal with your vehicle.
Uninsured/underinsured motorist
This coverage pays for your injuries and, depending on the policy, your car damage when the at-fault driver has no insurance or not enough to cover what you're owed.
Medical payments/personal injury protection
Medical payments and personal injury protection pay medical costs for you and your passengers after a crash, regardless of fault.
Gap insurance
Gap insurance pays the difference between what you still owe on a loan or lease and the car's value if it's totaled. Auto-Owners also offers diminished value, rental reimbursement, roadside help through Road Trouble Service, and rental auto gap coverage.
Frequently Asked Questions
What states is Auto-Owners car insurance available in?
Auto-Owners sells car insurance in 26 states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin.
Does Auto-Owners have a usage-based or telematics discount?
Auto-Owners has a usage-based program called TrueRide. The company doesn't publish the discount amount, and eligibility depends on your state and driving habits. Auto-Owners also offers a separate teen driver monitoring discount, which is worth asking about if you have a young driver on the policy.
