We provide great discounts
and award-winning service.
simple human sense

We simplify and humanize insurance.

Your life is busy. We understand you'd rather do just about anything than research insurance companies and fill out forms. Let your local independent agent recommend the best coverage for you so you can spend your time and money on more important things.

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Three individuals talking to each other in front of a house on a driveway.

We offer a variety of discounts.

In addition to great rates, we offer several discounts that may save you hundreds of dollars on your policy including our Multi-Policy discount, Advance Quote discount, Paid-in-Full discount, Green discount and many others.*

A person with medium brown hair sitting at a desk in an office talking on the phone. 

We're easy to work with.

Prefer to handle things from your phone? Rather talk in person? We have local claims branches in almost all our operating states, along with a mobile app to help service your policy:

Make automatic payments
Request road trouble service
Check the status of a claim
A person with medium brown hair sitting at a desk in an office talking on the phone. 
A person standing in front of baked goods on a counter with a person behind them. 

We're more than just auto.

We also offer life, home, and business insurance to ensure all your needs are met. As an insurance expert, your agent can tailor coverages to meet your needs. Plus, they can help you save money with available discounts if your policy qualifies.

Ask your independent agent if Auto-Owners makes sense for you.

For more than 100 years, we've partnered with independent agents who provide local, personalized expertise. Today, we work with more than 47,000 licensed agents in 26 states who take the time to tailor plans to meet your specific needs.

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