Auto-Owners Car Insurance Cost: Average Rates & Factors

Choosing a car insurance provider can feel overwhelming. If you're considering Auto-Owners, understanding their pricing structure is essential to determining if they're the right fit. However, we recommend gathering quotes from several companies to ensure you're securing the best value for your car insurance needs.

Auto-Owners car insurance pricing per month

Auto-Owners charges an average of $87 per month for full-coverage car insurance. Drivers who choose minimum liability-only coverage can expect to pay around $45.

Keep in mind these are average figures. Your individual rate depends on multiple factors including your age, where you live, your credit score, and your driving record. While your personal Auto-Owners rate may be different, these averages provide a useful benchmark for comparison shopping.

Auto-Owners average monthly cost National average monthly cost Full coverage $87 $187 Liability-only $45 $98

Auto-Owners' rates versus other car insurance providers

Each insurance company uses different methods to evaluate risk and offer discounts. Comparing quotes is worthwhile to understand how Auto-Owners pricing matches up with your particular circumstances.

Provider Average monthly full coverage cost Average monthly liability-only cost State Farm $108 $53 Progressive $152 $86 GEICO $148 $80 Allstate $148 $72 USAA $103 $51 Auto-Owners $87 $45

Auto-Owners' rates by age

Age significantly impacts pricing at Auto-Owners, as it does with most insurers. Car insurance for teen drivers comes with the highest costs, averaging approximately $196 per month for full coverage.

As you move into your 20s, rates generally decrease to around $124 with Auto-Owners. Costs continue declining through your 30s, averaging $87, and into your 40s at approximately $80.

The lowest rates are typically available to drivers in their 50s, 60s, and 70s who pay roughly $72, $62, and $58 per month, respectively.

This pattern shows how insurers adjust rates based on risk assessments at various life stages.

Age group Auto-Owners average monthly full coverage cost National average monthly cost Teens $196 $347 20s $124 $238 30s $87 $198 40s $80 $192 50s $72 $178 60s $62 $163 70s $58 $167

Auto-Owners' rates for high-risk drivers

Traffic violations and accidents on your record will typically result in higher rates with Auto-Owners. High-risk drivers with a speeding ticket face average monthly costs of $118, while an at-fault accident pushes rates to approximately $116.

A DUI conviction results in substantially higher premiums, with average monthly costs around $125. Your actual rate will vary based on when the incident occurred and other individual rating factors, though these numbers reflect standard pricing for high-risk profiles.

Driving record Auto-Owners average monthly full coverage cost National average monthly cost Accident $116 $250 Speeding ticket $118 $241 DUI $125 $269

How does your credit score affect your rate with Auto-Owners?

Most states allow insurers to factor credit scores into rate calculations. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit affects pricing, Auto-Owners adjusts premiums according to credit tiers. Those with excellent credit average $61 monthly, while good credit scores result in rates near $84.

Drivers with average credit see monthly costs around $92, while poor credit typically leads to premiums of approximately $152 per month.

Credit clearly plays a substantial role in determining your premium, though your final rate depends on other personal characteristics as well.

Credit score Auto-Owners average monthly cost of full coverage National average monthly cost Excellent $61 $163 Good $84 $179 Average $92 $195 Poor $152 $227

FAQs

Does Auto-Owners operate in every state?

No, Auto-owners operates in only 26 states, primarily across the Midwest, South, and Mountain West.

Does Auto-Owners require you to get quotes through an agent instead of online?

Auto-Owners requires all customers to obtain quotes through independent insurance agents rather than providing online quote tools on their website. This agent-only model means you'll need to contact a local independent agent by phone or in person to receive pricing information for your specific situation.

Are Auto-Owners' insurance rates competitive for drivers with one at-fault accident?

Auto-Owners maintains notably competitive rates for drivers with one at-fault accident on their record, often staying hundreds of dollars below the national average annually. The company's rate increases after an accident tend to be more moderate than many competitors, and eligible customers might qualify for accident forgiveness that prevents any rate increase after their first at-fault incident. This pricing advantage makes Auto-Owners particularly attractive for experienced drivers who've had one mistake but otherwise maintain clean records.

Bottom line

Should you choose Auto-Owners as your car insurance company? Getting quotes from Auto-Owners and several competitors allows you to make comparisons on both pricing and service quality.

Data throughout provided by Insurify. 

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