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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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. 

Multi-Policy discount
Advance Quote discount
Paid-in-full discount
agent with phone
we're easy to work with

Prefer to handle things from your phone? Rather talk in person? We have local claim 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
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cupcake
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 let you know about discounts you might qualify for.

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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