Ways to Save

We value our customers and think that quality auto insurance shouldn’t break the bank. Check out the following discounts that will help you save big and protect your vehicles with first-rate Auto-Owners coverage.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

We offer discounts for individuals who have paid their premiums on time for the last 36 months.

Paid-in-Full Discount

Save more if you pay your policy premium in full and on time.

Green Discount

When you enroll in paperless billing and pay your policy premiums online you may qualify for this discount.

Advance Quote

A discount is available for new applicants who request a premium quote prior to the effective date of the policy.


You may qualify for a discount when two or more private passenger vehicles are insured on your personal auto policy.

Safety Feature Discounts

You may qualify for this discount if your vehicle is equipped with certain safety features, such as anti-lock brake systems (ABS), airbags or anti-theft devices.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

Student Discounts

  • Good Student discount: Students may be eligible for a Good Student discount of up to 20%, if they maintain a "B" or better grade-point average.
  • Student Away at School discount: Additional discounts are available for students who are attending school more than 100 miles from home without a vehicle.
  • Teen Driver Monitoring discount: Our Teen Driver Monitoring discount is dependent upon the presence of a permanently installed Global Positioning System (GPS) within the vehicle your teenager primarily operates or if the teen is enrolled into an eligible app on their smartphone.

How do I get a quote?

Auto-Owners works solely through independent agents to ensure you’re getting the right protection from a skilled professional.

Contact an Agent