We provide great discounts
and award-winning service.

simple human sense

We simplify and humanize insurance.

Your home protects your most cherished possessions. Let your local independent agent recommend the best coverage for you so you can spend your time and money focusing on what really matters.

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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-Point discount
Advance Quote discount
Paid-in-Full discount
Ways to save
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We're easy to work with.

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

Make automatic payments
View billing details
Check the status of a claim
Easy online access
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man and woman talking

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.

What we cover

We provide the service of a small company with the stability of a big company.

simple human sense
award winning claims service

We pay what we owe according to the policy. No excuses. No loopholes. We've received numerous customer service and claims management awards.

Claims information
AM Best

We are rated A++ (Superior) by the insurance industry credit rating agency, AM Best Company, for our financial stability.

More about us
A-O Gives Back

We believe it is our corporate responsibility to aid local communities not only financially, but also with our time and talents.

Company giving

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 tailor plans to meet your specific needs.

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