Auto-Owners had much to be proud of in 2024. Our associates continued to focus on serving our agency partners and policyholders through a challenging marketplace.

We experienced the largest weather event in our history. The claims division, along with many other associates who assisted throughout the country, did a great job of living up to the promises made under our commitment to help put lives back together after this event.

Auto-Owners experienced considerable improvement on our road back to profitability due to the hard work and dedication of our associates. Many of our independent agency partners that represent us favored us with a mixture of personal and commercial business throughout our operating states.
We experienced our largest annual increase in premium of over $2.5 billion. In-force policy count grew by more than 389,000 policies, bringing the total number to over 6.3 million policies in force. Auto-Owners Life Insurance Company also had an excellent year and received over 41,000 life applications from our independent agency partners.

Auto-Owners was recognized by AM Best for our solid performance and financial strength, and was awarded an A+ (Superior) rating.All three of our affiliates enjoyed another outstanding year:

• Atlantic Casualty Insurance Company (our excess and surplus lines subsidiary) had another banner growth year.
• Concord General Mutual (our affiliate operating in the four northern-most New England states) continued to experience profitable growth.
• Capital Insurance Group (our subsidiary in the five Western states) had its fourth consecutive year with profitable growth.

We remain dedicated to the independent agency system. Our hard-working associates are committed to providing the service our independent agency partners and our policyholders expect and deserve.

Jamie P. Whisnant, Chairman & CEO