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Company Details
AUTO OWNERS INSURANCE COMPANY License Status :
Active
NAIC Number :
18988
Phone Number:
5173231200
Company Address:
P.O. BOX 30660
LANSING, MI 48909-8160
Description:
Property and Casualty
License Number:
B419060
Date Admitted:
1944-05-29
Market Share
Link to Supplemental Data Page
| Year | Line | Market Share | Direct Premium Written | Direct Premium Earned | Direct Losses Paid | Direct Losses Incurred | Loss Ratio |
|---|---|---|---|---|---|---|---|
| 2023 | Total Property & Casualty | 1.48% | $234,486,466 | $199,693,541 | $136,042,085 | $172,581,516 | 86.42 % |
| 2023 | Total Fire & Allied Lines | 1.71% | $13,242,484 | $10,239,684 | $6,985,250 | $9,755,915 | 95.28 % |
| 2023 | Dwelling Fire & Allied Lines | 2.90% | $6,743,713 | $5,388,741 | $2,946,650 | $3,492,278 | 64.81 % |
| 2023 | Commercial Fire & Allied Lines | 0.36% | $1,149,123 | $1,142,067 | $853,587 | $2,870,956 | N/A |
| 2023 | Farm Fire & Allied Lines | 2.40% | $5,349,648 | $3,708,876 | $3,185,013 | $3,392,681 | 91.47 % |
| 2023 | Farmowners Multi-Peril | 0.00% | $79 | $17 | $0 | $10 | 58.82 % |
| 2023 | Total Homeowners | 2.34% | $69,744,538 | $58,888,131 | $57,266,798 | $67,973,180 | N/A |
| 2023 | Homeowners Multi-Peril | 2.42% | $69,744,538 | $58,888,131 | $57,266,798 | $67,973,180 | N/A |
| 2023 | Commercial Multi-Peril | 1.72% | $19,021,236 | $15,914,405 | $8,700,891 | $12,475,097 | 78.39 % |
| 2023 | Inland Marine (Incl Auto Cargo) | 0.60% | $3,345,235 | $3,074,223 | $1,183,546 | $1,269,690 | 41.30 % |
| 2023 | Earthquake | 1.02% | $1,450,216 | $1,404,553 | $0 | $0 | 0.00 % |
| 2023 | Direct Workers Compensation | 0.27% | $2,894,771 | $2,725,913 | $784,771 | $-77,225 | -2.83 % |
| 2023 | Other Liability - Bodily Injury & Property Damage | 0.28% | $2,708,786 | $2,365,544 | $829,173 | $1,053,348 | 44.53 % |
| 2023 | Total Private Passenger Automobile | 1.56% | $85,393,247 | $72,153,833 | $48,668,514 | $58,057,802 | 80.46 % |
| 2023 | Private Passenger Auto Liability Bodily Injury | 1.37% | $18,474,637 | $16,201,639 | $8,156,993 | $14,128,896 | 87.21 % |
| 2023 | Private Passenger Auto Liability Property Damage | 1.60% | $16,097,192 | $13,103,163 | $8,193,562 | $9,456,897 | 72.17 % |
| 2023 | Private Passenger Auto Medical Payments | 1.69% | $1,494,805 | $1,392,859 | $768,813 | $833,009 | 59.81 % |
| 2023 | Private Passenger Uninsured Motorists | 2.29% | $6,543,572 | $5,982,894 | $2,613,328 | $3,569,264 | 59.66 % |
| 2023 | Private Passenger Auto Comprehensive | 1.72% | $19,454,477 | $15,953,724 | $15,356,801 | $15,854,077 | 99.38 % |
| 2023 | Private Passenger Auto Collision | 1.55% | $23,328,564 | $19,519,554 | $13,579,017 | $14,215,659 | 72.83 % |
| 2023 | Total Commercial Automobile | 3.01% | $31,011,964 | $27,719,437 | $11,549,452 | $20,519,003 | 74.02 % |
| 2023 | Commercial Auto Liability Bodily Injury | 2.61% | $13,500,564 | $11,923,395 | $1,618,361 | $9,389,975 | 78.75 % |
| 2023 | Commercial Auto Liability Property Damage | 3.13% | $4,509,135 | $4,073,457 | $2,344,073 | $2,617,205 | 64.25 % |
| 2023 | Commercial Auto Medical Payments | 4.03% | $303,658 | $277,380 | $67,030 | $103,708 | 37.39 % |
| 2023 | Commercial Auto Uninsured Motorists | 4.70% | $1,957,818 | $1,754,086 | $100,000 | $618,316 | 35.25 % |
| 2023 | Commercial Auto Comprehensive | 4.06% | $4,857,496 | $4,475,607 | $3,507,614 | $3,863,912 | 86.33 % |
| 2023 | Commercial Auto Collision | 2.93% | $5,883,293 | $5,215,512 | $3,912,374 | $3,925,887 | 75.27 % |
| 2023 | Fidelity | 0.22% | $57,099 | $57,563 | $0 | $972 | 1.69 % |
| 2023 | Surety | 0.20% | $234,097 | $227,205 | $33,829 | $8,129 | 3.58 % |
| 2023 | Glass | 56.49% | $1,192 | $1,008 | $0 | $-6 | -0.60 % |
| 2023 | Burglary & Theft | 0.14% | $11,265 | $7,949 | $0 | $33 | 0.42 % |
| 2023 | Umbrella | 3.91% | $4,021,970 | $3,679,090 | $0 | $1,501,657 | 40.82 % |
| 2023 | National Flood Insurance Program | 8.55% | $1,318,390 | $1,221,538 | $39,861 | $39,861 | 3.26 % |
| 2023 | Private Flood | 0.44% | $29,897 | $13,448 | $0 | $4,050 | 30.12 % |
| 2022 | Total Property & Casualty | 1.16% | $166,939,769 | $142,679,439 | $66,571,870 | $82,286,058 | 57.67 % |
| 2022 | Total Fire & Allied Lines | 1.70% | $8,192,181 | $7,058,222 | $4,070,595 | $3,398,000 | 48.14 % |
| 2022 | Dwelling Fire & Allied Lines | 2.85% | $4,415,791 | $3,990,321 | $1,858,143 | $1,281,575 | 32.12 % |
| 2022 | Commercial Fire & Allied Lines | 0.34% | $1,060,789 | $825,859 | $628,137 | $502,306 | 60.82 % |
| 2022 | Farm Fire & Allied Lines | 27.22% | $2,715,601 | $2,242,042 | $1,584,315 | $1,614,119 | 71.99 % |
| 2022 | Farmowners Multi-Peril | 0.00% | $0 | $-12 | $0 | $0 | N/A |
| 2022 | Total Homeowners | 1.82% | $49,254,153 | $44,429,781 | $20,705,372 | $23,804,858 | 53.58 % |
| 2022 | Homeowners Multi-Peril | 1.89% | $49,254,153 | $44,429,781 | $20,705,372 | $23,804,858 | 53.58 % |
| 2022 | Commercial Multi-Peril | 1.42% | $14,211,567 | $12,212,887 | $2,052,605 | $4,637,487 | 37.97 % |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.53% | $2,824,135 | $2,544,362 | $929,736 | $973,591 | 38.26 % |
| 2022 | Earthquake | 0.93% | $1,278,390 | $1,217,124 | $0 | $0 | 0.00 % |
| 2022 | Direct Workers Compensation | 0.23% | $2,395,251 | $2,398,245 | $740,068 | $-131,972 | -5.50 % |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.26% | $2,196,400 | $2,074,999 | $190,924 | $104,000 | 5.01 % |
| 2022 | Total Private Passenger Automobile | 1.23% | $58,393,837 | $51,879,841 | $30,251,760 | $35,001,162 | 67.47 % |
| 2022 | Private Passenger Auto Liability Bodily Injury | 1.13% | $13,802,581 | $12,597,288 | $3,046,377 | $6,019,339 | 47.78 % |
| 2022 | Private Passenger Auto Liability Property Damage | 1.18% | $10,076,657 | $8,877,685 | $7,733,712 | $7,942,280 | 89.46 % |
| 2022 | Private Passenger Auto Medical Payments | 1.41% | $1,248,446 | $1,133,942 | $453,378 | $577,009 | 50.89 % |
| 2022 | Private Passenger Uninsured Motorists | 2.09% | $5,301,845 | $4,861,291 | $1,250,738 | $2,457,019 | 50.54 % |
| 2022 | Private Passenger Auto Comprehensive | 1.35% | $12,591,648 | $10,917,801 | $7,890,965 | $7,980,552 | 73.10 % |
| 2022 | Private Passenger Auto Collision | 1.19% | $15,372,660 | $13,491,834 | $9,876,590 | $10,024,963 | 74.30 % |
| 2022 | Total Commercial Automobile | 2.37% | $23,248,341 | $14,145,534 | $6,714,901 | $13,126,310 | 92.79 % |
| 2022 | Commercial Auto Liability Bodily Injury | 2.09% | $10,014,886 | $6,129,546 | $1,621,940 | $6,288,558 | N/A |
| 2022 | Commercial Auto Liability Property Damage | 2.29% | $3,457,179 | $2,052,839 | $1,130,007 | $1,552,874 | 75.65 % |
| 2022 | Commercial Auto Medical Payments | 3.21% | $229,463 | $132,589 | $31,888 | $52,382 | 39.51 % |
| 2022 | Commercial Auto Uninsured Motorists | 3.88% | $1,460,359 | $831,388 | $380,000 | $1,064,484 | N/A |
| 2022 | Commercial Auto Comprehensive | 3.06% | $3,803,234 | $2,548,102 | $1,928,059 | $2,245,317 | 88.12 % |
| 2022 | Commercial Auto Collision | 2.35% | $4,283,220 | $2,451,070 | $1,623,007 | $1,922,695 | 78.44 % |
| 2022 | Fidelity | 0.21% | $55,418 | $56,418 | $0 | $-3,354 | -5.94 % |
| 2022 | Surety | 0.27% | $278,172 | $314,959 | $-8,040 | $79,032 | 25.09 % |
| 2022 | Glass | 60.01% | $923 | $861 | $0 | $38 | 4.41 % |
| 2022 | Burglary & Theft | 0.05% | $3,886 | $4,426 | $0 | $-2,887 | -65.23 % |
| 2022 | Umbrella | 3.62% | $3,427,746 | $3,126,333 | $350,000 | $762,744 | 24.40 % |
| 2022 | National Flood Insurance Program | 7.91% | $1,179,369 | $1,215,459 | $573,949 | $537,049 | 44.18 % |
Enforcements
The department has not taken enforcement action against this company in the past three years.
Complaint Index
| Year | Line | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|---|
| 2023 | Private Passenger Auto | 1.31% | 26 | 115 |
| 2023 | Homeowners | 1.86% | 17 | 74 |
| 2022 | Private Passenger Auto | 1.02% | 14 | 92 |
| 2022 | Homeowners | 1.65% | 14 | 88 |
Company Changes
Market Conduct
Date: 08/06/2007
Date: 08/06/2007
Date: 01/06/2015
Financial Exams
This company does not have any financial exams.