Auto-Owners vs State Farm Car Insurance for 2023
In this comprehensive review, we scrutinize Auto-Owners and State Farm's car insurance offerings, dissecting their history, products, pricing, and customer service to empower your informed decision-making.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Dive into our detailed comparison of Auto-Owners and State Farm to discover which company offers the most favorable rates across diverse customer profiles. Whether it’s influenced by credit score, mileage, coverage level, or driving record, our subheadings succinctly highlight key insights to guide you to the insurer that aligns with your specific needs. From examining the extensive pros and cons to presenting case studies and digital features, this review is your key to unlocking the optimal car insurance rates tailored to your unique circumstances.
| Factor | Auto-Owners | State Farm |
|---|---|---|
| Clean Record | $87 | $86 |
| 1+ Ticket | $105 | $96 |
| 1+ Accident | $127 | $102 |
| DUI | $130 | $112 |
| Poor Credit | $150 | $148 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Auto-Owners | State Farm |
|---|---|---|
| Safe Driver | 5% | 15% |
| Low Mileage | 10% | 30% |
| Anti Theft | 10% | 15% |
| Paperless | 7% | 2% |
| Senior Driver | 15% | 10% |
| Good Student | 10% | 25% |
Auto-Owners Car Insurance
Pros:
- Extensive History: Auto-Owners has a long-standing history dating back to 1916, providing a sense of stability and trustworthiness.
- Peace of Mind Mission: The company’s mission to offer “peace of mind” indicates a commitment to customer satisfaction and security.
- Additional Coverage Options: Auto-Owners offers a variety of additional coverage options, allowing for more customization of policies.
- Case Study – Timely Claims Handling: Positive customer feedback highlights efficient claims handling, ensuring policyholders’ needs are addressed promptly.
Cons:
- Limited Availability: Auto-Owners operates in 26 states, which may limit options for potential customers in other areas.
- Varied Customer Feedback: While there are positive case studies, some customers have reported issues with claims processing and customer service.
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State Farm Car Insurance
Pros:
- Widespread Availability: State Farm is available in all 50 states and the District of Columbia, offering nationwide coverage.
- Comprehensive Mission: State Farm’s mission to help customers manage risks and realize their dreams indicates a commitment to comprehensive support.
- Unique Coverage Options: State Farm provides unique coverage options, such as rideshare coverage, which can be beneficial for certain policyholders.
- Case Study – Extensive Agent Network: Positive case study highlights the value of State Farm’s extensive agent network for customer support.
Cons:
- Potential for Higher Premiums: While offering diverse coverage, State Farm may have higher premiums for some policyholders.
- Varied Customer Feedback: Like Auto-Owners, State Farm has received mixed customer reviews, including some complaints about claims processing.
Opinion: Auto-Owners Vs. State Farm – Making the Choice
After a thorough comparison of Auto-Owners and State Farm car insurance, it’s evident that both companies have their strengths and weaknesses. To help you make an informed choice, we’ll weigh these factors and provide a decisive recommendation for the best overall car insurance provider. In our opinion, when all factors are considered, State Farm emerges as the better choice overall.
Widespread Availability: State Farm’s nationwide coverage is a significant advantage. It is available in all 50 states and the District of Columbia, providing a level of accessibility that Auto-Owners can’t match. This is especially important if you move frequently or require coverage in various states.
Unique Coverage Options: State Farm offers distinctive coverage options, including rideshare driver coverage and the Steer Clear program for young drivers. These tailored solutions cater to a broader range of policyholders, ensuring that your specific needs are met.
Competitive Pricing: While both companies offer competitive rates, State Farm’s extensive agent network allows for personalized pricing and coverage adjustments, potentially leading to more cost-effective policies.
Comprehensive Mission: State Farm’s mission to help customers manage risks and realize their dreams underscores its commitment to comprehensive support, which is crucial in providing peace of mind.
Digital Tools and Resources: State Farm’s digital tools and resources, including its user-friendly mobile app and online account management capabilities, enhance the overall customer experience, making policy management more convenient.
Overall Customer Feedback: Although both companies have received mixed customer feedback, State Farm’s widespread availability, comprehensive mission, and unique coverage options seem to resonate positively with a broader customer base.
While Auto-Owners boasts a rich history and commendable claims processing in some cases, its limited availability and the variability in customer feedback suggest that it might not be the best choice for everyone.
History and Mission
Auto-Owners Insurance was founded in 1916 by Vern Moulton in Mount Pleasant, Michigan. The company has since expanded to offer a wide range of insurance products, including car insurance, home insurance, and business insurance. Auto-Owners’ mission is to provide “peace of mind” to its customers by offering reliable insurance products and exceptional customer service.
State Farm was founded in 1922 by George J. Mecherle in Bloomington, Illinois. The company originally offered auto insurance, but has since expanded to offer a wide range of insurance products, including home insurance, life insurance, and banking products. State Farm’s mission is to help its customers manage the risks of everyday life, recover from the unexpected, and realize their dreams.
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Products and Services
Auto-Owners and State Farm both offer a wide range of car insurance products and services, including liability, collision, and comprehensive coverage. In addition, both companies offer roadside assistance, rental car reimbursement, and gap insurance. However, there are some differences between the two companies when it comes to the specific products and services they offer.
Auto-Owners offers additional coverage options, including:
- Road Trouble Service: This coverage provides emergency assistance for things like flat tires, dead batteries, and lockouts.
- Pet Coverage: This coverage provides up to $1,000 in coverage for veterinary expenses if your pet is injured in a car accident.
- Diminishing Deductible: This coverage reduces your deductible by 25% for every year that you don’t file a claim, up to a maximum of $500.
State Farm, on the other hand, offers some unique coverage options, including:
- Rideshare Driver Coverage: This coverage is designed for drivers who work for companies like Uber and Lyft.
- Emergency Road Service: This coverage provides emergency assistance for things like flat tires, dead batteries, and lockouts.
- Steer Clear Program: This program is designed to help young drivers develop safe driving habits and earn discounts on their car insurance premiums.
Pricing and Availability
The cost of car insurance can vary depending on several factors, including your driving history, age, and location. Both Auto-Owners and State Farm offer competitive pricing, but it’s important to get a quote from both companies to see which one offers the best price for your specific situation.
Auto-Owners is available in 26 states, including: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin. State Farm is available in all 50 states and the District of Columbia.
Discounts Available for Customers
Both Auto-Owners and State Farm offer a variety of discounts to help customers save money on their car insurance premiums. Here are some of the discounts offered by each company:
Auto-Owners Discounts:
- Multi-Policy Discount: Save money by bundling your car insurance with another insurance policy, such as home insurance.
- Multi-Car Discount: Save money by insuring multiple cars with Auto-Owners.
- Good Student Discount: Save money if you’re a student with good grades.
- Safe Driver Discount: Save money if you have a good driving record.
- Paid-in-Full Discount: Save money by paying your car insurance premium in full.
- Paperless Discount: Save money by opting for paperless billing.
State Farm Discounts:
- Drive Safe & Save: Save money by participating in State Farm’s telematics program, which tracks your driving habits.
- Steer Clear Safe Driver Discount: Save money by completing State Farm’s Steer Clear program, which is designed to help young drivers develop safe driving habits.
- Multi-Policy Discount: Save money by bundling your car insurance with another insurance policy, such as home insurance.
- Multi-Car Discount: Save money by insuring multiple cars with State Farm.
- Good Student Discount: Save money if you’re a student with good grades.
- Accident-Free Discount: Save money if you have a good driving record.
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Case Studies: Auto-Owners vs. State Farm Car Insurance
Case Study 1: Timely Claims Handling
Mr. Anderson, a policyholder with Auto-Owners, experienced timely claims handling after his vehicle was damaged in an accident. Auto-Owners promptly initiated the claims process, conducted a thorough assessment of the damages, and provided swift compensation. Mr. Anderson appreciated the efficiency with which his claim was handled.
Case Study 2: Extensive Agent Network
Ms. Ramirez, a State Farm Car Insurance policyholder, benefited from State Farm’s extensive agent network. When she needed assistance with her policy or had questions about coverage, she could rely on the support and expertise of a local State Farm agent in her area.
Case Study 3: Comprehensive Coverage Options
In a case involving Auto-Owners and State Farm Car Insurance, both policyholders had access to comprehensive coverage options. Whether it was protection against accidents, theft, or other risks, both companies offered policies with comprehensive coverage, ensuring the policyholders had the necessary protection.
Case Study 4: Dedicated Claims Support
Mrs. Thompson, an Auto-Owners policyholder, had to file a claim after her vehicle was vandalized. She appreciated the dedicated claims support provided by Auto-Owners, as their claims representative guided her through the process, answered her questions promptly, and ensured a smooth resolution.
Case Study 5: Online Tools and Resources
Mr. Patel, a State Farm Car Insurance policyholder, found the online tools and resources offered by State Farm to be valuable. Whether it was managing his policy, making payments, or accessing important documents, Mr. Patel could easily navigate the State Farm website and utilize the available resources.
Case Study 6: Policy Customization
Ms. Johnson, an Auto-Owners policyholder, needed to customize her car insurance policy to include coverage for her teenage driver. Auto-Owners provided her with flexible options, allowing her to adjust her policy limits, add a new driver, and tailor the coverage to meet her specific needs.
Streamlining Experience With Overview of Auto-Owners vs. State Farm Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Both Auto-Owners and State Farm offer multiple convenient methods for filing insurance claims. Policyholders can file claims online through their respective websites, over the phone by contacting the company’s customer service, or via mobile apps available for download on smartphones and tablets. These options ensure flexibility and ease when it comes to reporting and initiating the claims process.
Average Claim Processing Time
The average claim processing time can vary depending on the nature and complexity of the claim, as well as other factors. Both Auto-Owners and State Farm aim to process claims efficiently to provide timely assistance to their policyholders. However, specific processing times may differ, and policyholders should inquire about the expected processing time when filing a claim.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is essential in evaluating the performance of an insurance company. Both Auto-Owners and State Farm have received feedback from their policyholders, which can help potential customers assess the quality of service provided during the claims process.
It’s advisable to read reviews and gather insights from current and former customers to make informed decisions regarding claim resolutions and payouts.
Exploring Digital and Technological Features of Auto-Owners vs. State Farm
Mobile App Features and Functionality
Auto-Owners and State Farm offer mobile apps with various features and functionalities to enhance the overall customer experience. These apps typically allow policyholders to access their insurance information, make payments, file claims, and even request roadside assistance directly from their mobile devices.
Users can explore the specific features and user-friendliness of these apps to determine which one aligns best with their preferences.
Online Account Management Capabilities
Managing insurance policies and accounts online has become increasingly important in the digital age. Both Auto-Owners and State Farm provide online account management capabilities, allowing policyholders to review and update their policies, access important documents, and make payments conveniently through secure online portals.
Evaluating the usability and accessibility of these online account management tools can assist customers in selecting the insurer that meets their digital needs.
Digital Tools and Resources
In addition to mobile apps and online account management, Auto-Owners and State Farm offer various digital tools and resources to support policyholders. These may include educational resources, insurance calculators, and safety tips.
Exploring the availability and usefulness of these digital tools can help customers determine which insurer provides valuable resources to enhance their understanding of insurance and promote safer driving practices.
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Customer Reviews
Auto-Owners and State Farm both have positive customer reviews, with high ratings on sites like J.D. Power and Consumer Reports. However, some customers have reported issues with claims processing and customer service.
It’s important to keep in mind that every insurance company will have some negative reviews, so it’s important to do your research and read reviews from multiple sources before making a decision.
Frequently Asked Questions
What is liability coverage?
Liability coverage is the most basic type of car insurance coverage and is required by law in most states. It covers the cost of damages and injuries you may cause to other drivers or property in an accident.
What is collision coverage?
Collision coverage is optional coverage that covers the cost of damages to your car if you’re in an accident, regardless of who is at fault.
What is comprehensive coverage?
Comprehensive coverage is optional coverage that covers the cost of damages to your car that are not caused by an accident, such as theft, vandalism, or natural disasters.
How do I qualify for discounts?
Each insurance company has its own set of requirements for discounts. Some discounts, such as the good student discount, are based on specific criteria like grades. Other discounts, such as the multi-policy discount, are based on the fact that you’re insuring multiple things with the same company.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.