Auto-Owners Insurance Company
Auto-Owners Insurance Review 2026
Regional carrier with Erie-tier premiums in its 26-state footprint and strong independent-agent relationships.
Who Auto-Owners Insurance is best for
Homeowners in Auto-Owners' operating territory who want to bundle home and auto with one agent.
At a glance
- Avg annual premium
- ~$1,450
- AM Best rating
- A++
- Operating states
- 26 states
- NAIC complaint ratio
- Below average
Estimated for operating states; competitive with Erie tier
Highest Superior financial strength
Broader footprint than Erie
Consistent low complaint track record
Pros
- +A++ financial strength from A.M. Best — among the strongest ratings available
- +Broader state footprint than Erie (26 states) while maintaining similar low-premium positioning
- +Competitive bundling discounts across home, auto, and life products
- +NAIC complaint ratio consistently below the industry median
Cons
- −Agent-only distribution — no direct online quoting; must go through independent agent
- −Brand awareness lower than major national carriers — requires effort to find a local agent
- −Claims process is agent-intermediated, which some customers prefer and others find slower
Auto-Owners Insurance requirements
- Homeowners in 26 states — primarily Midwest, South, Southeast, and select other states
Auto-Owners Insurance alternatives
Top alternatives worth comparing from Cheapest Home Insurance Companies 2026.
Erie Indemnity Company
Erie Insurance
Homeowners in Erie's operating footprint (12 states + DC) who want the best combination of low premium and quality claims handling.
State Farm Fire and Casualty Company
State Farm
Homeowners who want a national carrier with local agent access and competitive bundle discounts.
United Services Automobile Association
USAA
Active military, veterans, and immediate family members who want the absolute lowest homeowners premium with top-tier service.
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Apply at Auto-Owners Insurance Company→Last verified at the issuer on 2026-08-05
The full lineup
See all picks in Cheapest Home Insurance Companies 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Auto-Owners Insurance scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Homeowners in Auto-Owners' operating territory who want to bundle home and auto with one agent.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Auto-Owners Insurance
Who is Auto-Owners home insurance best for?+
Auto-Owners is best for homeowners within its 26-state operating territory who want to bundle home and auto through a single independent agent. It positions as a regional carrier with Erie-tier premiums and strong agent relationships — a good fit for buyers who prefer working with a local agent over direct online quoting.
How much does Auto-Owners home insurance cost?+
The estimated average annual premium for its operating states is around $1,450, which is competitive with the Erie tier of regional carriers. Your actual premium varies by state, home characteristics, and individual underwriting factors. Because Auto-Owners is agent-distributed, you'll get an official quote through an independent agent via auto-owners.com.
What states does Auto-Owners operate in?+
Auto-Owners writes policies in 26 states — primarily the Midwest, South, Southeast, and select other states — giving it a broader footprint than Erie while maintaining similar low-premium positioning. If you're outside its operating territory, you'll need to quote other carriers. Find a local agent through the agency locator at auto-owners.com.
How do I get an Auto-Owners quote — can I buy online?+
No. Auto-Owners uses agent-only distribution and does not offer direct online quoting; you purchase through an independent agent. Use the agency locator at auto-owners.com to find a local agent. The claims process is also agent-intermediated, which some customers prefer for the personal relationship and others find slower than direct-to-consumer carriers.
How financially strong is Auto-Owners?+
Auto-Owners Insurance Company holds an A++ (Superior) rating from A.M. Best — the highest financial strength tier available — and maintains an NAIC complaint ratio consistently below the industry median. You can verify the rating at ambest.com and complaint data at content.naic.org.
Is ClearValue Lending a licensed insurance agent?+
No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available editorial information. Home insurance pricing and availability vary by state, home characteristics, and individual underwriting factors. Auto-Owners policies are available only through independent agents — contact a local Auto-Owners agent for an official quote.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.