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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 %
2021 Total Property & Casualty 0.94% $124,775,525 $117,851,938 $50,051,047 $56,675,095 48.09 %
2021 Total Fire & Allied Lines 0.95% $6,288,346 $5,748,873 $3,286,784 $3,590,281 62.45 %
2021 Dwelling Fire & Allied Lines 2.59% $3,760,923 $3,726,630 $1,417,133 $1,501,603 40.29 %
2021 Commercial Fire & Allied Lines 0.22% $729,434 $590,199 $1,176,792 $1,275,454 N/A
2021 Farm Fire & Allied Lines 0.99% $1,797,989 $1,432,044 $692,859 $813,224 56.79 %
2021 Farmowners Multi-Peril 0.00% $-500 $-567 $0 $0 N/A
2021 Total Homeowners 1.68% $41,335,595 $40,447,929 $17,232,753 $17,709,576 43.78 %
2021 Homeowners Multi-Peril 1.75% $41,335,595 $40,447,929 $17,232,753 $17,709,576 43.78 %
2021 Commercial Multi-Peril 1.11% $10,253,074 $9,209,643 $4,358,826 $4,664,749 50.65 %
2021 Inland Marine (Incl Auto Cargo) 0.50% $2,322,386 $2,172,356 $1,247,773 $1,328,507 61.16 %
2021 Earthquake 0.91% $1,185,465 $1,206,824 $0 $0 0.00 %
2021 Direct Workers Compensation 0.23% $2,257,087 $2,188,033 $1,091,526 $-228,762 -10.46 %
2021 Other Liability - Bodily Injury & Property Damage 0.24% $1,928,556 $1,765,880 $145,870 $513,359 29.07 %
2021 Total Private Passenger Automobile 1.07% $47,574,585 $43,875,842 $19,459,358 $25,010,913 57.00 %
2021 Private Passenger Auto Liability Bodily Injury 1.01% $11,821,764 $11,016,859 $2,080,571 $5,627,413 51.08 %
2021 Private Passenger Auto Liability Property Damage 1.01% $8,091,661 $7,453,629 $4,261,486 $5,146,694 69.05 %
2021 Private Passenger Auto Medical Payments 1.15% $1,047,372 $964,259 $380,571 $386,251 40.06 %
2021 Private Passenger Uninsured Motorists 1.99% $4,584,145 $4,273,564 $407,545 $1,159,539 27.13 %
2021 Private Passenger Auto Comprehensive 1.13% $9,749,687 $8,921,107 $4,796,566 $5,045,465 56.56 %
2021 Private Passenger Auto Collision 1.03% $12,279,956 $11,246,424 $7,532,619 $7,645,551 67.98 %
2021 Total Commercial Automobile 0.79% $7,088,901 $6,913,694 $3,592,897 $4,247,738 61.44 %
2021 Commercial Auto Liability Bodily Injury 0.66% $3,051,435 $2,998,805 $2,026,541 $2,317,782 77.29 %
2021 Commercial Auto Liability Property Damage 0.72% $951,556 $965,806 $394,523 $500,463 51.82 %
2021 Commercial Auto Medical Payments 0.91% $60,633 $56,791 $4,818 $11,749 20.69 %
2021 Commercial Auto Uninsured Motorists 1.22% $360,096 $341,619 $12,000 $331,849 97.14 %
2021 Commercial Auto Comprehensive 1.57% $1,595,612 $1,502,732 $354,033 $363,935 24.22 %
2021 Commercial Auto Collision 0.62% $1,069,569 $1,047,941 $800,982 $721,960 68.89 %
2021 Fidelity 0.23% $59,073 $60,499 $0 $48,411 80.02 %
2021 Surety 0.31% $313,083 $283,494 $160,903 $-8,857 -3.12 %
2021 Glass 56.40% $709 $589 $0 $4 0.68 %
2021 Burglary & Theft 0.08% $5,727 $6,128 $0 $2,896 47.26 %
2021 Umbrella 3.67% $2,903,551 $2,723,546 $-650,000 $-313,251 -11.50 %
2021 National Flood Insurance Program 7.39% $1,259,887 $1,249,175 $124,357 $109,531 8.77 %

Enforcements

The department has not taken enforcement action against this company in the past three years.

Link to Enforcements Page


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 1.01% 14 92
2022 Homeowners 1.65% 14 88
2021 Private Passenger Auto 0.67% 5 49
2021 Homeowners 1.64% 19 131


Company Changes


Market Conduct

Date: 08/06/2007

Auto%20Owners_stipulation.pdf

Date: 08/06/2007

Auto%20Owners_order.pdf

Date: 01/06/2015

AutoOwnersInsuranceCoMC.pdf


Financial Exams

This company does not have any financial exams.