{"id":52145,"date":"2025-02-13T12:39:48","date_gmt":"2025-02-13T20:39:48","guid":{"rendered":"https:\/\/getjerry.com\/?post_type=reviews&#038;p=52145"},"modified":"2025-02-13T20:22:00","modified_gmt":"2025-02-14T04:22:00","slug":"auto-owners","status":"publish","type":"reviews","link":"https:\/\/jerry.ai\/reviews\/car-insurance\/auto-owners\/","title":{"rendered":"Auto-Owners Auto Insurance Review 2025"},"content":{"rendered":"\n<div class=\"wp-block-jerry-carrier-reviews-summary\">\n  <div class=\"before:bg-primary relative overflow-hidden rounded-xl border border-zinc-200 before:absolute before:block before:h-[9px] before:w-full before:content-['_']\">\n    <div class=\"flex flex-col gap-4 px-6 pb-12 pt-6 md:gap-8 md:px-7 md:pt-10\">\n      <!-- title -->\n      <div class=\"font-circular text-xl font-bold text-gray-900 md:text-3xl\">\n              <\/div>\n\n      <div class=\"flex flex-col items-start justify-start gap-6 md:flex-row md:gap-5\">\n        <div class=\"flex w-full flex-col items-start gap-6 md:w-auto md:gap-4\">\n          <!-- carrier image -->\n          <figure class=\"flex aspect-[2\/1] w-full items-center justify-center overflow-hidden rounded-md border border-zinc-200 p-3 md:aspect-[25\/14] md:w-[200px]\">\n                          <img decoding=\"async\"\n                class=\"max-h-full max-w-full\"\n                src=\"\/wp-content\/uploads\/2025\/02\/Auto-Owners_Blue.svg\"\n                alt=\"Auto-Owners\"\n              fetchpriority=\"low\" loading=\"lazy\"\/>\n                      <\/figure>\n\n          <div class=\"flex flex-row items-center gap-3\">\n            <!-- carrier rating -->\n            <div class=\"font-body text-6xl font-semibold text-gray-900 md:text-5xl\">\n              4.9            <\/div>\n\n            <div class=\"flex flex-col justify-between gap-2 md:gap-1.5\">\n              <!-- carrier stars -->\n              <div class=\"flex space-x-1 space-x-1.5\"><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><span class=\"iconify i--star text-lg md:text-sm text-primary\"><\/span><div class=\"relative inline-block leading-[0]\">\n  <span class=\"iconify i--star text-lg md:text-sm text-gray-400\"><\/span>\n  <span class=\"iconify i--star text-lg md:text-sm text-primary absolute inset-0\" style=\"clip-path: inset(0 10% 0 0);\"><\/span>\n<\/div><\/div>\n              <!-- carrier stars description -->\n              <div class=\"font-circular text-base font-medium leading-4 text-gray-900\">\n                Jerry rating              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"flex flex-col gap-6\">\n          <!-- summary -->\n          <div class=\"flex flex-col gap-3\">\n            <!-- summary title -->\n            <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n              Our take            <\/div>\n            <!-- summary content -->\n            <div class=\"font-circular text-base font-normal text-gray-600\">\n              Auto-Owners is one of Jerry\u2019s top-rated insurers, with a reputation for affordable coverage and a wide array of customization and discount options. This coverage is worth considering if you\u2019re in one of the 26 states where it\u2019s offered.            <\/div>\n          <\/div>\n\n          <!-- pros & cons -->\n                      <div class=\"flex flex-col gap-7 md:flex-row md:gap-6\">\n              <!-- pros -->\n              <div class=\"flex flex-1 flex-col gap-3 md:gap-4\">\n                <!-- pros title -->\n                <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n                  <span class=\"iconify i--thumb-up text-primary text-2xl\"><\/span>\n                  <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n                    Pros                  <\/div>\n                <\/div>\n\n                <!-- pros content -->\n                <ul class=\"!m-0 flex list-disc flex-col gap-4 !pl-6\">\n                                      <li class=\"marker:text-primary\">\n                      <span class=\"font-circular relative left-2 text-base text-gray-600\">Reputation for affordable coverage.<\/span>\n                    <\/li>\n                                      <li class=\"marker:text-primary\">\n                      <span class=\"font-circular relative left-2 text-base text-gray-600\">Many insurance add-ons available.<\/span>\n                    <\/li>\n                                      <li class=\"marker:text-primary\">\n                      <span class=\"font-circular relative left-2 text-base text-gray-600\">Ample discount offerings.<\/span>\n                    <\/li>\n                                      <li class=\"marker:text-primary\">\n                      <span class=\"font-circular relative left-2 text-base text-gray-600\">Fewer-than-average customer complaints.<\/span>\n                    <\/li>\n                                  <\/ul>\n              <\/div>\n\n              <!-- cons -->\n              <div class=\"flex flex-1 flex-col gap-3 md:gap-4\">\n                <!-- cons title -->\n                <div class=\"flex flex-row items-center gap-3 border-b border-zinc-200 pb-4 md:pb-5\">\n                  <span class=\"iconify i--thumb-down text-primary text-2xl\"><\/span>\n                  <div class=\"font-circular text-xl font-bold text-gray-900 md:text-2xl md:leading-6\">\n                    Cons                  <\/div>\n                <\/div>\n\n                <!-- cons content -->\n                <ul class=\"!m-0 flex list-disc flex-col gap-4 !pl-6\">\n                                      <li class=\"marker:text-primary\">\n                      <span class=\"font-circular relative left-2 text-base text-gray-600\">Only available in 26 states.<\/span>\n                    <\/li>\n                                      <li class=\"marker:text-primary\">\n                      <span class=\"font-circular relative left-2 text-base text-gray-600\">No online quotes.<\/span>\n                    <\/li>\n                                  <\/ul>\n              <\/div>\n            <\/div>\n                  <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"review\">Auto-Owners car insurance review<\/h2>\n\n\n\n<p>Jerry rates Auto-Owners 4.9 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account industry ratings, consumer ratings, financial strength and national complaint data.<\/p>\n\n\n\n<p>Auto-Owners provides quality <a href=\"\/car-insurance\/\">car insurance<\/a> that\u2019s worth considering if you\u2019re in one of the 26 states where the company does business. The insurer\u2019s coverage is relatively customizable compared to others, and plenty of discounts are available to policyholders.<\/p>\n\n\n\n<p>Likewise, Auto-Owners does well with customers and industry experts alike, maintaining a relatively low (good) consumer complaint index with the National Association of Insurance Commissioners (NAIC), a high financial strength rating and a solid standing in industry reports.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-for\">Is Auto-Owners a good insurance company?<\/h2>\n\n\n\n<p>With a reputation for affordable and customizable coverage, Auto-Owners may be a good option for drivers from all backgrounds. The insurer works best for customers who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Live in one of the 26 states where the insurer does business.<\/li>\n\n\n\n<li>Prefer to buy coverage with an agent, rather than online.<\/li>\n\n\n\n<li>Want to take advantage of some of Auto-Owners\u2019 unique offerings, like diminished value and rental coverages.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Jerry helps you save on car insurance fast.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">GET STARTED<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cost\">How much does Auto-Owners car insurance cost?<\/h2>\n\n\n\n<p>Auto-Owners has a reputation for charging below-average rates to drivers with different driving records and coverage levels.<\/p>\n\n\n\n<p>Your premium is determined by a number of <a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\" data-type=\"reviews\" data-id=\"45590\">factors<\/a>, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy and the amount of coverage you buy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"discounts\">Auto-Owners car insurance discounts<\/h2>\n\n\n\n<p>Drivers who carry Auto-Owners can get a rate discount for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insuring multiple vehicles on one policy.<\/li>\n\n\n\n<li>Having multiple policies with the insurer.<\/li>\n\n\n\n<li>Adding safety features to the insured vehicle.<\/li>\n\n\n\n<li>Insuring a student who maintains a B average or better.<\/li>\n\n\n\n<li>Going paperless.<\/li>\n\n\n\n<li>Paying the full premium up front.<\/li>\n\n\n\n<li>Getting a quote before the current policy ends.<\/li>\n\n\n\n<li>Making on-time payments for 36 months or longer.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"coverage-options\">Auto-Owners car insurance coverage options<\/h2>\n\n\n\n<p>Like most insurers, Auto-Owners offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured\/underinsured motorist.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Coverage definitions      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Coverage<\/th><th class=\"has-text-align-left\" data-align=\"left\">Definition<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/collision-insurance\/\">Collision insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that pays to repair or replace your car if it\u2019s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle\u2019s repairs if your policy has collision coverage.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/comprehensive-insurance\/\">Comprehensive insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/bodily-injury-liability\/\"><\/a><a href=\"\/car-insurance\/bodily-injury-liability\/\">Bodily injury liability (BI)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays others\u2019 medical costs in an accident you cause, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\"><\/a><a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">Property damage liability (PD)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\">Personal injury protection (PIP)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\">Medical payments<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"><\/a><a href=\"\/car-insurance\/uninsured-motorist-coverage\/\">Uninsured\/underinsured motorist coverage (UM\/UIM)<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn\u2019t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<p>The insurer also provides the following coverages:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Roadside assistance<\/strong> can pay for services such as a locksmith, fuel delivery or a battery jump when you\u2019re away from home.<\/li>\n\n\n\n<li><strong><a href=\"\/car-insurance\/gap-insurance\/\" data-type=\"car-insurance\" data-id=\"3122\">Gap insurance<\/a><\/strong> is for financed or leased cars, in case they\u2019re totaled in an accident. If that happens, gap insurance pays the difference between the vehicle\u2019s cash value and the money you owe on it.<\/li>\n\n\n\n<li><strong>Diminished value coverage<\/strong> compensates you if your vehicle\u2019s market value is lower after an accident, even if the car is fully repaired.<\/li>\n\n\n\n<li><strong>Additional expense insurance <\/strong>pays your costs to travel while your vehicle is being repaired after an accident. This coverage includes the cost of a rental car, and if you\u2019re far away from home when your car becomes undriveable, it also covers expenses like food and lodging.<\/li>\n\n\n\n<li><strong>Rental gap<\/strong> extends coverage to a rental vehicle.<\/li>\n\n\n\n<li><strong>Modified vehicle coverage<\/strong> covers custom equipment that wasn\u2019t installed by the original manufacturer, including driver control modifications and wheelchair lifts.<\/li>\n<\/ul>\n\n\n\n<p>Auto-Owners provides specialized <a href=\"\/car-insurance\/classic-car-insurance\/\">coverage for classic cars<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"industry-ratings\">Industry ratings of Auto-Owners car insurance<\/h2>\n\n\n\n<p>Auto-Owners performs well in industry reports and customer ratings alike, maintaining a relatively low number of consumer complaints, high financial strength rating and landing about average in consumer satisfaction.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Rating<\/th><th class=\"has-text-align-left\" data-align=\"left\">Auto-Owner&#8217;s score<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><br>NAIC consumer complaint index<\/td><td class=\"has-text-align-left\" data-align=\"left\">Low.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><br>CRASH Network report card<\/td><td class=\"has-text-align-left\" data-align=\"left\"><br>B.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><br>J.D. Power auto insurance shopping study<\/td><td class=\"has-text-align-left\" data-align=\"left\"><br>No. 8 of 17.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><br>J.D. Power auto insurance claims study<\/td><td class=\"has-text-align-left\" data-align=\"left\"><br>No. 13 of 21.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><br>AM Best<\/td><td class=\"has-text-align-left\" data-align=\"left\"><br>A+.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>NAIC<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Auto-Owners\u2019s private passenger policies had a moderately low complaint index with the NAIC from 2021 to 2023, meaning the company had fewer complaints than expected for a company its size all three years. The insurer\u2019s index has steadily lowered over time.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Qualitative rating<\/th><th class=\"has-text-align-left\" data-align=\"left\">3-year consumer complaint index<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">High<\/td><td class=\"has-text-align-left\" data-align=\"left\">Above 1.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Moderately high<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 to 1.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">About average<\/td><td class=\"has-text-align-left\" data-align=\"left\">Near 1.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Moderately low<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 to 0.5.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Low<\/td><td class=\"has-text-align-left\" data-align=\"left\">0.5 to 0.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em><em>The <\/em><a href=\"https:\/\/content.naic.org\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>NAIC<\/em><\/a><em> is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.<\/em><\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>CRASH Network<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>CRASH Network, an automotive trade publication, gives Auto-Owners a B in its 2024 Insurer Report Card. This is a higher grade than many other insurers that Jerry reviews. The report card asks more than 1,000 collision repair professionals across the United States how well an insurer\u2019s claims handling policies, attitude and payment practices ensure quality repairs and customer service for drivers.<br><\/p>\n\n\n\n<p>Auto-Owners ranks No. 17 of 88 insurers listed on the report card.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"4a00365e-7817-4e26-b951-deb551d67e3e\" data-type=\"interactive\" data-title=\"CRASH Ratings\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n<p><em>In 2024, the CRASH Network\u2019s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on <\/em><a href=\"https:\/\/www.crashnetwork.com\/irc\/02moreinfo.php\" target=\"_blank\" rel=\"noreferrer noopener\"><em>the CRASH Network\u2019s website<\/em><\/a><em>.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>J.D. Power<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Between J.D. Power\u2019s insurance shopping and claims satisfaction studies, Auto-Owners performed about average. The insurer received above-average marks in the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-shopping-study\" target=\"_blank\" rel=\"noreferrer noopener\">2024 Insurance Shopping Study<\/a>, ranking No. 8 of 17 with a score of 679 out of 1,000.&nbsp;<br><\/p>\n\n\n\n<p>However, Auto-Owners came in at No. 13 of 21 in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-claims-satisfaction-study\" target=\"_blank\" rel=\"noreferrer noopener\">J.D. Power\u2019s 2024 Auto Claims Satisfaction Study<\/a>, slightly below the average, with a score of 692 out of 1,000.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"27829bb8-88cc-4c33-9535-2f27269e9a5b\" data-type=\"interactive\" data-title=\"J.D. Power Rankings\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n<p><em>J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>AM Best<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Auto-Owners has a financial strength rating of A+ with AM Best, one step below the highest rating an insurer can achieve. This means the company has a superior ability to pay out claims.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"b36e2270-b29e-40e0-ac60-af935e32ea74\" data-type=\"interactive\" data-title=\"AM Best Ratings\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n<p><a href=\"https:\/\/web.ambest.com\/home\" target=\"_blank\" rel=\"noreferrer noopener\"><em>AM Best<\/em><\/a><em> is a credit rating agency that specializes in insurers\u2019 ability to meet their financial obligations.<\/em><\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"contact\">How to contact Auto-Owners<\/h2>\n\n\n\n<p>Policyholders can pay bills and report claims online. Current and prospective customers are encouraged to contact a local agent, but customers can fill out a form on the Auto-Owners website (<a href=\"https:\/\/www.auto-owners.com\/about\/contact-us\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.auto-owners.com\/about\/contact-us<\/a>) or reach customer service at 800-346-0346.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How we rate car insurance companies<\/h3>\n\n\n\n<p>Jerry\u2019s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer\u2019s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops\u2019 evaluations of insurers, policy and quote pricing, and state availability.<\/p>\n\n\n\n<p>We regularly reassess insurers\u2019 star ratings and fact-check these reviews to ensure they\u2019re accurate and up-to-date.<br>These individual factors roll up into one weighting system as follows:<br>20% Financial strength.<br>20% Complaints.<br>20% Industry ratings.<br>20% Customer ratings.<br>20% Cost and discounts.<\/p>\n\n\n<div class=\"infogram-embed\" data-id=\"d90dc561-6db9-4e6c-830b-45df4dfa0d8c\" data-type=\"interactive\" data-title=\"Methodology\"><\/div><script>window.addEventListener('DOMContentLoaded',()=>{!function(e,n,i,s){var d=\"InfogramEmbeds\";var o=e.getElementsByTagName(n)[0];if(window[d]&&window[d].initialized)window[d].process&&window[d].process();else if(!e.getElementById(i)){var r=e.createElement(n);r.async=1,r.id=i,r.src=s,o.parentNode.insertBefore(r,o)}}(document,\"script\",\"infogram-async\",\"https:\/\/e.infogram.com\/js\/dist\/embed-loader-min.js\");})<\/script>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/12\/Annie-Millerbernd.png 250w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-150x150.png 150w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-56x56.png 56w, \/wp-content\/uploads\/2024\/12\/Annie-Millerbernd-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Annie Millerbernd            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by <a href=\"https:\/\/scholarlycommons.law.northwestern.edu\/cgi\/viewcontent.cgi?article=1455&amp;context=nulr\" target=\"_blank\" rel=\"noopener\">Northwestern University<\/a> and <a href=\"https:\/\/www.hks.harvard.edu\/sites\/default\/files\/centers\/mrcbg\/214_AWP_final_2.pdf\" target=\"_blank\" rel=\"noopener\">Harvard Kennedy School<\/a>. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.<\/p>\n<p>Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor&rsquo;s degree in journalism from the University of Minnesota.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png 250w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-150x150.png 150w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-56x56.png 56w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Lacie Glover            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Lacie Glover is a Lead Writer and Editor with sixteen years\u2019 experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet\u2019s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor\u2019s degree from Colorado State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Auto-Owners car insurance review Jerry rates Auto-Owners 4.9 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account industry ratings, consumer ratings, financial strength and national complaint data. Auto-Owners provides quality car insurance that\u2019s worth considering if you\u2019re in one of the 26 states where the [&hellip;]<\/p>\n","protected":false},"author":68,"featured_media":45593,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"jerry_authors":"[{\"id\":\"370\",\"type\":\"main-author\"},{\"id\":\"374\",\"type\":\"editor\"}]","jerry_author_ids":[370],"jerry_idx_page_label":"","jerry_meta_desc":"Auto-Owners provides car insurance that\u2019s well-rated by consumers and industry reports. The insurer doesn\u2019t offer quotes online, but its reputation suggests that policyholders get affordable rates and quality customer service.","jerry_related_posts":"[29671,31938,35767,25624,29293]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[645],"tags":[31],"class_list":["post-52145","reviews","type-reviews","status-publish","has-post-thumbnail","hentry","category-car-insurance","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/52145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/reviews"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/68"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=52145"}],"version-history":[{"count":27,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/52145\/revisions"}],"predecessor-version":[{"id":61586,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/reviews\/52145\/revisions\/61586"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/45593"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=52145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=52145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=52145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}