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AUTO OWNERS INSURANCE COMPANY

Company Details for:

AUTO OWNERS INSURANCE COMPANY

Address

PO BOX 30660
LANSING MI, 48909-8160

Phone

517-323-1200
Market Share
Link to Supplemental Data Page
Property and Casualty
YearLine Market
Share		 Direct
Premium
Written		 Direct
Premium
Earned		 Direct
Losses
Paid		 Direct
Losses
Incurred		 Loss
Ratio
2012 Total Property & Casualty 0.49% $43,126,775 $42,995,177 $30,867,022 $26,572,30461.80%
2012 Total Fire & Allied Lines 1.05% $4,458,749 $4,505,290 $3,184,405 $2,847,53263.20%
2012 Dwelling Fire & Allied Lines 3.18% $4,129,624 $4,181,045 $3,091,075 $2,764,98366.13%
2012 Commercial Fire & Allied Lines 0.23% $329,125 $324,245 $93,330 $82,54925.46%
2012 Total Homeowners 0.85% $13,804,286 $13,605,035 $11,812,099 $8,456,93462.16%
2012 Homeowners Multi-Peril 0.90% $13,804,286 $13,605,035 $11,812,099 $8,456,93462.16%
2012 Commercial Multi-Peril 0.82% $5,236,114 $5,057,198 $4,110,711 $2,218,16843.86%
2012 Mobile Homes 0.00% $-330 $85,187 $22,550 $13,08315.36%
2012 Inland Marine (Incl Auto Cargo) 0.30% $765,001 $769,834 $159,242 $169,72822.05%
2012 Earthquake 0.47% $441,517 $448,968 $0 $-400-0.09%
2012 Direct Workers Compensation 0.49% $3,798,723 $3,656,419 $3,132,039 $5,604,543153.28%
2012 Other Liability - Bodily Injury & Property Damage 0.23% $1,056,279 $1,028,749 $101,258 $1,129,568109.80%
2012 Total Private Passenger Automobile 0.23% $6,766,000 $6,853,361 $3,961,483 $4,048,91659.08%
2012 Private Passenger Auto Liability Bodily Injury 0.26% $2,016,349 $2,028,507 $1,006,549 $1,127,53855.58%
2012 Private Passenger Auto Liability Property Damage 0.20% $1,206,922 $1,214,814 $886,210 $940,61177.43%
2012 Private Passenger Auto Medical Payments 0.25% $211,573 $204,893 $155,332 $146,23571.37%
2012 Private Passenger Uninsured Motorists 0.42% $509,614 $509,363 $310,500 $206,31240.50%
2012 Private Passenger Auto Comprehensive 0.23% $1,157,501 $1,184,698 $716,851 $731,16061.72%
2012 Private Passenger Auto Collision 0.21% $1,664,041 $1,711,086 $886,041 $897,06052.43%
2012 Total Commercial Automobile 0.81% $3,750,444 $3,890,716 $2,750,822 $411,86010.59%
2012 Commercial Auto Liability Bodily Injury 0.72% $1,680,740 $1,727,011 $1,578,980 $-487,683-28.24%
2012 Commercial Auto Liability Property Damage 0.88% $594,570 $623,704 $504,905 $-17,766-2.85%
2012 Commercial Auto Medical Payments 0.27% $38,724 $42,085 $24,021 $23,33355.44%
2012 Commercial Auto Uninsured Motorists 1.18% $225,024 $233,887 $0 $249,658106.74%
2012 Commercial Auto Comprehensive 1.30% $707,970 $745,822 $414,087 $416,59555.86%
2012 Commercial Auto Collision 0.68% $503,416 $518,207 $228,829 $227,72343.94%
2012 Fidelity 0.23% $47,405 $47,021 $-1,347 $-2,091-4.45%
2012 Surety 0.62% $457,074 $490,241 $-41,446 $96,77419.74%
2012 Glass 56.01% $2,316 $2,033 $842 $84441.52%
2012 Burglary & Theft 0.27% $10,714 $8,626 $0 $290.34%
2012 Umbrella 3.39% $1,688,555 $1,676,481 $1,550,000 $1,474,45287.95%
2012 National Flood Insurance Program 5.07% $843,928 $870,018 $124,364 $102,36411.77%
2011 Total Property & Casualty 0.50% $43,027,439 $42,879,057 $35,694,831 $40,004,06693.30%
2011 Total Fire & Allied Lines 1.13% $4,457,444 $4,464,140 $4,913,734 $5,263,435117.90%
2011 Dwelling Fire & Allied Lines 3.42% $4,186,838 $4,143,350 $4,688,023 $5,024,282121.26%
2011 Commercial Fire & Allied Lines 0.20% $270,606 $320,790 $225,711 $239,15374.55%
2011 Total Homeowners 0.90% $13,514,015 $13,006,971 $14,568,423 $18,787,026144.44%
2011 Homeowners Multi-Peril 0.95% $13,514,015 $13,006,971 $14,568,423 $18,787,026144.44%
2011 Commercial Multi-Peril 0.79% $4,908,643 $5,039,179 $2,845,559 $3,041,85060.36%
2011 Mobile Homes 0.56% $187,814 $202,971 $203,950 $201,96799.51%
2011 Inland Marine (Incl Auto Cargo) 0.34% $771,830 $775,798 $411,273 $403,84452.06%
2011 Earthquake 0.51% $453,132 $438,180 $0 $4000.09%
2011 Direct Workers Compensation 0.51% $3,634,560 $3,778,495 $2,550,938 $4,274,021113.11%
2011 Other Liability - Bodily Injury & Property Damage 0.17% $916,821 $940,811 $145,849 $37,9874.04%
2011 Total Private Passenger Automobile 0.24% $7,063,816 $7,065,960 $4,368,531 $3,939,99655.76%
2011 Private Passenger Auto Liability Bodily Injury 0.26% $2,034,237 $1,976,047 $1,410,115 $342,93617.35%
2011 Private Passenger Auto Liability Property Damage 0.21% $1,233,986 $1,217,460 $829,146 $835,61268.64%
2011 Private Passenger Auto Medical Payments 0.23% $197,481 $195,775 $155,608 $154,45778.90%
2011 Private Passenger Uninsured Motorists 0.45% $516,554 $516,216 $5,526 $638,670123.72%
2011 Private Passenger Auto Comprehensive 0.25% $1,248,410 $1,279,228 $922,769 $916,38471.64%
2011 Private Passenger Auto Collision 0.24% $1,833,148 $1,881,234 $1,045,367 $1,051,93755.92%
2011 Total Commercial Automobile 0.90% $4,082,167 $4,297,498 $2,990,389 $2,172,90550.56%
2011 Commercial Auto Liability Bodily Injury 0.74% $1,811,177 $1,882,585 $1,153,984 $1,258,27866.84%
2011 Commercial Auto Liability Property Damage 1.00% $656,775 $697,025 $321,141 $704,063101.01%
2011 Commercial Auto Medical Payments 0.52% $46,350 $49,228 $29,210 $20,00340.63%
2011 Commercial Auto Uninsured Motorists 1.31% $247,908 $260,758 $899,970 $-407,055-156.10%
2011 Commercial Auto Comprehensive 1.61% $784,667 $823,953 $285,307 $294,42735.73%
2011 Commercial Auto Collision 0.79% $535,290 $583,949 $300,777 $303,18951.92%
2011 Fidelity 0.23% $49,452 $44,773 $-1,920 $-727-1.62%
2011 Surety 0.63% $450,040 $343,228 $230,655 $94,70827.59%
2011 Glass 61.40% $1,799 $2,012 $0 $-14-0.70%
2011 Burglary & Theft 0.23% $8,210 $8,827 $0 $1101.25%
2011 Umbrella 3.61% $1,692,207 $1,709,222 $125,000 $-531,330-31.09%
2011 National Flood Insurance Program 4.94% $835,489 $760,992 $2,342,450 $2,317,888304.59%
2010 Total Property & Casualty 0.50% $42,048,563 $42,379,133 $27,442,375 $32,119,32675.79%
2010 Total Fire & Allied Lines 1.26% $4,452,118 $4,523,304 $2,635,125 $2,553,56656.45%
2010 Dwelling Fire & Allied Lines 3.53% $4,103,035 $4,110,357 $2,190,324 $2,117,95551.53%
2010 Commercial Fire & Allied Lines 0.26% $349,083 $412,947 $444,801 $435,611105.49%
2010 Total Homeowners 0.85% $12,246,225 $11,706,602 $10,877,926 $11,848,899101.22%
2010 Homeowners Multi-Peril 0.89% $12,246,225 $11,706,602 $10,877,926 $11,848,899101.22%
2010 Commercial Multi-Peril 0.84% $5,125,758 $5,309,205 $1,960,778 $3,425,34364.52%
2010 Mobile Homes 0.61% $215,547 $215,657 $68,313 $65,42530.34%
2010 Inland Marine (Incl Auto Cargo) 0.37% $792,227 $808,854 $295,180 $288,69835.69%
2010 Earthquake 0.48% $424,577 $421,722 $0 $00.00%
2010 Direct Workers Compensation 0.52% $3,517,423 $4,058,472 $3,189,951 $3,252,74180.15%
2010 Other Liability - Bodily Injury & Property Damage 0.18% $1,092,210 $1,103,958 $1,133,029 $-344,921-31.24%
2010 Total Private Passenger Automobile 0.24% $7,011,205 $6,833,217 $4,164,931 $4,212,47861.65%
2010 Private Passenger Auto Liability Bodily Injury 0.24% $1,857,027 $1,756,207 $933,019 $1,130,64264.38%
2010 Private Passenger Auto Liability Property Damage 0.20% $1,197,679 $1,183,051 $934,015 $928,02978.44%
2010 Private Passenger Auto Medical Payments 0.21% $190,841 $184,958 $216,527 $226,568122.50%
2010 Private Passenger Uninsured Motorists 0.47% $516,059 $503,037 $218,525 $62,96112.52%
2010 Private Passenger Auto Comprehensive 0.26% $1,320,113 $1,301,648 $584,904 $582,21144.73%
2010 Private Passenger Auto Collision 0.26% $1,929,486 $1,904,316 $1,277,941 $1,282,06767.32%
2010 Total Commercial Automobile 1.00% $4,407,623 $4,726,130 $1,647,355 $4,473,65394.66%
2010 Commercial Auto Liability Bodily Injury 0.79% $1,924,172 $2,040,193 $410,544 $3,170,324155.39%
2010 Commercial Auto Liability Property Damage 1.21% $726,586 $783,015 $433,743 $553,66770.71%
2010 Commercial Auto Medical Payments 0.64% $51,149 $53,651 $35,997 $42,55179.31%
2010 Commercial Auto Uninsured Motorists 1.59% $269,938 $289,094 $65,000 $28,8069.96%
2010 Commercial Auto Comprehensive 1.74% $806,523 $868,045 $352,728 $337,81738.92%
2010 Commercial Auto Collision 0.94% $629,255 $692,132 $349,343 $340,48849.19%
2010 Fidelity 0.19% $39,537 $35,358 $-1,600 $4,91113.89%
2010 Surety 0.37% $295,289 $307,863 $211,490 $64,64721.00%
2010 Glass 29.51% $659 $2,080 $494 $45421.83%
2010 Burglary & Theft 0.34% $11,061 $9,471 $0 $800.84%
2010 Umbrella 2.87% $1,692,663 $1,691,900 $950,000 $2,001,167118.28%
2010 National Flood Insurance Program 4.20% $724,441 $625,340 $309,403 $272,18543.53%
Enforcements
The department action has not taken enforcement action against this company in the past three years.
Link to Enforcements Page
Complaint Index
Link to Complaint Index Page
YearLineMarket
Share		 Number of
Complaints		Complaint
Index
2012 Private passenger auto 0.24% 4 67
2012 Homeowners 0.96% 19 113
2011 Private passenger auto 0.24% 4 60
2011 Homeowners 0.97% 14 83
2010 Homeowners 0.98% 11 67
2010 Property & casualty insurance 0.51% 23 86
2010 Private passenger auto 0.23% 1 15
Company Changes
This company has not filed any changes with the department.
Market Conduct
Date: 08/06/2007
Pdf Links
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  Stipulation
Financial Exams
This company does not have any financial exams.