Auto-Owners Insurance is a large, agent-based insurer founded in 1916 and headquartered in Lansing, Michigan. It sells auto, home, life, and business coverage exclusively through independent agents across roughly two dozen states, and is consistently well-regarded for claims handling and customer satisfaction. As a group of affiliated companies, it is known for a relationship-driven, agent-centric model rather than direct online sales.
Founded
1916
Headquarters
Lansing, MI
AM Best (financial strength)
Varies
Financial-strength ratings for Auto-Owners Insurance vary by underwriting entity — many large insurers write through multiple subsidiaries, each rated separately. Ask which company underwrites your specific policy and check that entity's A.M. Best rating directly.
The NAIC Complaint Index is published primarily for property-and-casualty lines; for Auto-Owners Insurance, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
You can request a quote or reach Auto-Owners Insurance at auto-owners.com. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
We monitor rate filings in all 50 states. Get notified when rates change in your area — and discover new ways to save.
Free forever. Unsubscribe with one click. No spam, ever.
Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.