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

We simplify and humanize insurance

Running a business isn’t easy. When you are responsible for making the big decisions, it can be hard to be an expert on everything. That’s why we work with local, independent agents who can tailor coverage to meet your needs and identify available discounts so you can spend your time and money on what matters the most for your business.

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Two individuals conversing in front of an auto shop.

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.*

Two individuals conversing in front of a damaged white truck.

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 of our operating states along with a mobile app that helps you do things like make automatic payments, request road trouble service, check the status of a claim and much more.

Two individuals conversing in front of a damaged white truck.
An individual behind a counter wearing an apron talking to another individual holding a notebook.

We're more than just auto.

We also offer business, life and home 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 48,000 licensed agents in 26 states who take the time to ensure everything you value is protected.

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