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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 |
|---|---|---|---|---|---|---|---|
| 2022 | Total Property & Casualty | 0.47% | $166,939,769 | $142,679,439 | $66,571,870 | $82,286,058 | 57.67 % |
| 2022 | Total Fire & Allied Lines | 0.71% | $8,192,181 | $7,058,222 | $4,070,595 | $3,398,000 | 48.14 % |
| 2022 | Dwelling Fire & Allied Lines | 1.04% | $4,415,791 | $3,990,321 | $1,858,143 | $1,281,575 | 32.12 % |
| 2022 | Commercial Fire & Allied Lines | 0.15% | $1,060,789 | $825,859 | $628,137 | $502,306 | 60.82 % |
| 2022 | Farm Fire & Allied Lines | 7.35% | $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 | 0.69% | $49,254,153 | $44,429,781 | $20,705,372 | $23,804,858 | 53.58 % |
| 2022 | Homeowners Multi-Peril | 0.72% | $49,254,153 | $44,429,781 | $20,705,372 | $23,804,858 | 53.58 % |
| 2022 | Commercial Multi-Peril | 0.53% | $14,211,567 | $12,212,887 | $2,052,605 | $4,637,487 | 37.97 % |
| 2022 | Inland Marine (Incl Auto Cargo) | 0.18% | $2,824,135 | $2,544,362 | $929,736 | $973,591 | 38.26 % |
| 2022 | Earthquake | 0.37% | $1,278,390 | $1,217,124 | $0 | $0 | 0.00 % |
| 2022 | Direct Workers Compensation | 0.07% | $2,395,251 | $2,398,245 | $740,068 | $-131,972 | -5.50 % |
| 2022 | Other Liability - Bodily Injury & Property Damage | 0.10% | $2,196,400 | $2,074,999 | $190,924 | $104,000 | 5.01 % |
| 2022 | Total Private Passenger Automobile | 0.58% | $58,393,837 | $51,879,841 | $30,251,760 | $35,001,162 | 67.47 % |
| 2022 | Private Passenger Auto Liability Bodily Injury | 0.52% | $13,802,581 | $12,597,288 | $3,046,377 | $6,019,339 | 47.78 % |
| 2022 | Private Passenger Auto Liability Property Damage | 0.59% | $10,076,657 | $8,877,685 | $7,733,712 | $7,942,280 | 89.46 % |
| 2022 | Private Passenger Auto Medical Payments | 0.66% | $1,248,446 | $1,133,942 | $453,378 | $577,009 | 50.89 % |
| 2022 | Private Passenger Uninsured Motorists | 0.93% | $5,301,845 | $4,861,291 | $1,250,738 | $2,457,019 | 50.54 % |
| 2022 | Private Passenger Auto Comprehensive | 0.63% | $12,591,648 | $10,917,801 | $7,890,965 | $7,980,552 | 73.10 % |
| 2022 | Private Passenger Auto Collision | 0.56% | $15,372,660 | $13,491,834 | $9,876,590 | $10,024,963 | 74.30 % |
| 2022 | Total Commercial Automobile | 0.99% | $23,248,341 | $14,145,534 | $6,714,901 | $13,126,310 | 92.79 % |
| 2022 | Commercial Auto Liability Bodily Injury | 0.87% | $10,014,886 | $6,129,546 | $1,621,940 | $6,288,558 | N/A |
| 2022 | Commercial Auto Liability Property Damage | 0.86% | $3,457,179 | $2,052,839 | $1,130,007 | $1,552,874 | 75.65 % |
| 2022 | Commercial Auto Medical Payments | 1.24% | $229,463 | $132,589 | $31,888 | $52,382 | 39.51 % |
| 2022 | Commercial Auto Uninsured Motorists | 1.66% | $1,460,359 | $831,388 | $380,000 | $1,064,484 | N/A |
| 2022 | Commercial Auto Comprehensive | 1.39% | $3,803,234 | $2,548,102 | $1,928,059 | $2,245,317 | 88.12 % |
| 2022 | Commercial Auto Collision | 1.01% | $4,283,220 | $2,451,070 | $1,623,007 | $1,922,695 | 78.44 % |
| 2022 | Fidelity | 0.07% | $55,418 | $56,418 | $0 | $-3,354 | -5.94 % |
| 2022 | Surety | 0.14% | $278,172 | $314,959 | $-8,040 | $79,032 | 25.09 % |
| 2022 | Glass | 30.01% | $923 | $861 | $0 | $38 | 4.41 % |
| 2022 | Burglary & Theft | 0.02% | $3,886 | $4,426 | $0 | $-2,887 | -65.23 % |
| 2022 | Umbrella | 1.53% | $3,427,746 | $3,126,333 | $350,000 | $762,744 | 24.40 % |
| 2022 | National Flood Insurance Program | 4.05% | $1,179,369 | $1,215,459 | $573,949 | $537,049 | 44.18 % |
| 2021 | Total Property & Casualty | 0.38% | $124,775,525 | $117,851,938 | $50,051,047 | $56,675,095 | 48.09 % |
| 2021 | Total Fire & Allied Lines | 0.41% | $6,288,346 | $5,748,873 | $3,286,784 | $3,590,281 | 62.45 % |
| 2021 | Dwelling Fire & Allied Lines | 0.97% | $3,760,923 | $3,726,630 | $1,417,133 | $1,501,603 | 40.29 % |
| 2021 | Commercial Fire & Allied Lines | 0.12% | $729,434 | $590,199 | $1,176,792 | $1,275,454 | N/A |
| 2021 | Farm Fire & Allied Lines | 0.33% | $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 | 0.64% | $41,335,595 | $40,447,929 | $17,232,753 | $17,709,576 | 43.78 % |
| 2021 | Homeowners Multi-Peril | 0.67% | $41,335,595 | $40,447,929 | $17,232,753 | $17,709,576 | 43.78 % |
| 2021 | Commercial Multi-Peril | 0.42% | $10,253,074 | $9,209,643 | $4,358,826 | $4,664,749 | 50.65 % |
| 2021 | Inland Marine (Incl Auto Cargo) | 0.16% | $2,322,386 | $2,172,356 | $1,247,773 | $1,328,507 | 61.16 % |
| 2021 | Earthquake | 0.37% | $1,185,465 | $1,206,824 | $0 | $0 | 0.00 % |
| 2021 | Direct Workers Compensation | 0.07% | $2,257,087 | $2,188,033 | $1,091,526 | $-228,762 | -10.46 % |
| 2021 | Other Liability - Bodily Injury & Property Damage | 0.09% | $1,928,556 | $1,765,880 | $145,870 | $513,359 | 29.07 % |
| 2021 | Total Private Passenger Automobile | 0.50% | $47,574,585 | $43,875,842 | $19,459,358 | $25,010,913 | 57.00 % |
| 2021 | Private Passenger Auto Liability Bodily Injury | 0.46% | $11,821,764 | $11,016,859 | $2,080,571 | $5,627,413 | 51.08 % |
| 2021 | Private Passenger Auto Liability Property Damage | 0.50% | $8,091,661 | $7,453,629 | $4,261,486 | $5,146,694 | 69.05 % |
| 2021 | Private Passenger Auto Medical Payments | 0.54% | $1,047,372 | $964,259 | $380,571 | $386,251 | 40.06 % |
| 2021 | Private Passenger Uninsured Motorists | 0.87% | $4,584,145 | $4,273,564 | $407,545 | $1,159,539 | 27.13 % |
| 2021 | Private Passenger Auto Comprehensive | 0.52% | $9,749,687 | $8,921,107 | $4,796,566 | $5,045,465 | 56.56 % |
| 2021 | Private Passenger Auto Collision | 0.49% | $12,279,956 | $11,246,424 | $7,532,619 | $7,645,551 | 67.98 % |
| 2021 | Total Commercial Automobile | 0.33% | $7,088,901 | $6,913,694 | $3,592,897 | $4,247,738 | 61.44 % |
| 2021 | Commercial Auto Liability Bodily Injury | 0.27% | $3,051,435 | $2,998,805 | $2,026,541 | $2,317,782 | 77.29 % |
| 2021 | Commercial Auto Liability Property Damage | 0.29% | $951,556 | $965,806 | $394,523 | $500,463 | 51.82 % |
| 2021 | Commercial Auto Medical Payments | 0.38% | $60,633 | $56,791 | $4,818 | $11,749 | 20.69 % |
| 2021 | Commercial Auto Uninsured Motorists | 0.50% | $360,096 | $341,619 | $12,000 | $331,849 | 97.14 % |
| 2021 | Commercial Auto Comprehensive | 0.68% | $1,595,612 | $1,502,732 | $354,033 | $363,935 | 24.22 % |
| 2021 | Commercial Auto Collision | 0.28% | $1,069,569 | $1,047,941 | $800,982 | $721,960 | 68.89 % |
| 2021 | Fidelity | 0.08% | $59,073 | $60,499 | $0 | $48,411 | 80.02 % |
| 2021 | Surety | 0.16% | $313,083 | $283,494 | $160,903 | $-8,857 | -3.12 % |
| 2021 | Glass | 28.20% | $709 | $589 | $0 | $4 | 0.68 % |
| 2021 | Burglary & Theft | 0.03% | $5,727 | $6,128 | $0 | $2,896 | 47.26 % |
| 2021 | Umbrella | 1.50% | $2,903,551 | $2,723,546 | $-650,000 | $-313,251 | -11.50 % |
| 2021 | National Flood Insurance Program | 3.76% | $1,259,887 | $1,249,175 | $124,357 | $109,531 | 8.77 % |
| 2020 | Total Property & Casualty | 0.33% | $101,338,766 | $86,083,679 | $54,454,440 | $57,799,369 | 67.14 % |
| 2020 | Total Fire & Allied Lines | 0.38% | $5,222,756 | $4,801,571 | $2,439,832 | $2,600,893 | 54.17 % |
| 2020 | Dwelling Fire & Allied Lines | 0.92% | $3,719,584 | $3,690,527 | $1,510,501 | $1,565,602 | 42.42 % |
| 2020 | Commercial Fire & Allied Lines | 0.09% | $440,942 | $338,785 | $564,051 | $654,208 | N/A |
| 2020 | Farm Fire & Allied Lines | 0.24% | $1,062,230 | $772,259 | $365,280 | $381,083 | 49.35 % |
| 2020 | Farmowners Multi-Peril | 0.00% | $-92 | $-35 | $0 | $-1 | N/A |
| 2020 | Total Homeowners | 0.66% | $40,175,477 | $39,990,933 | $32,066,462 | $33,882,825 | 84.73 % |
| 2020 | Homeowners Multi-Peril | 0.70% | $40,175,477 | $39,990,933 | $32,066,462 | $33,882,825 | 84.73 % |
| 2020 | Commercial Multi-Peril | 0.39% | $8,739,421 | $8,155,200 | $3,921,641 | $4,586,857 | 56.24 % |
| 2020 | Inland Marine (Incl Auto Cargo) | 0.15% | $1,920,793 | $1,909,255 | $936,334 | $794,375 | 41.61 % |
| 2020 | Earthquake | 0.40% | $1,225,711 | $1,316,283 | $0 | $0 | 0.00 % |
| 2020 | Direct Workers Compensation | 0.06% | $1,874,833 | $1,893,408 | $1,067,653 | $611,968 | 32.32 % |
| 2020 | Other Liability - Bodily Injury & Property Damage | 0.08% | $1,610,861 | $1,532,362 | $744,109 | $-45,573 | -2.97 % |
| 2020 | Total Private Passenger Automobile | 0.33% | $29,958,021 | $16,246,454 | $6,905,369 | $11,948,704 | 73.55 % |
| 2020 | Private Passenger Auto Liability Bodily Injury | 0.31% | $7,656,528 | $4,167,086 | $814,271 | $3,404,685 | 81.70 % |
| 2020 | Private Passenger Auto Liability Property Damage | 0.32% | $5,176,282 | $2,893,840 | $1,689,830 | $2,133,441 | 73.72 % |
| 2020 | Private Passenger Auto Medical Payments | 0.34% | $662,741 | $358,412 | $147,577 | $325,197 | 90.73 % |
| 2020 | Private Passenger Uninsured Motorists | 0.61% | $2,968,416 | $1,604,408 | $92,500 | $1,415,275 | 88.21 % |
| 2020 | Private Passenger Auto Comprehensive | 0.35% | $5,917,682 | $3,099,152 | $1,758,682 | $2,003,056 | 64.63 % |
| 2020 | Private Passenger Auto Collision | 0.31% | $7,576,372 | $4,123,556 | $2,402,509 | $2,667,050 | 64.68 % |
| 2020 | Total Commercial Automobile | 0.35% | $6,660,696 | $6,475,829 | $4,524,579 | $2,512,898 | 38.80 % |
| 2020 | Commercial Auto Liability Bodily Injury | 0.29% | $2,899,643 | $2,776,222 | $1,802,740 | $792,670 | 28.55 % |
| 2020 | Commercial Auto Liability Property Damage | 0.35% | $974,001 | $956,369 | $438,303 | $446,388 | 46.68 % |
| 2020 | Commercial Auto Medical Payments | 0.24% | $52,219 | $52,758 | $15,240 | $20,909 | 39.63 % |
| 2020 | Commercial Auto Uninsured Motorists | 0.54% | $329,491 | $331,224 | $1,049,500 | $-4,749 | -1.43 % |
| 2020 | Commercial Auto Comprehensive | 0.64% | $1,384,198 | $1,365,451 | $789,788 | $777,672 | 56.95 % |
| 2020 | Commercial Auto Collision | 0.29% | $1,021,144 | $993,805 | $429,008 | $480,008 | 48.30 % |
| 2020 | Fidelity | 0.09% | $60,015 | $57,047 | $100,000 | $-52,305 | -91.69 % |
| 2020 | Surety | 0.15% | $262,126 | $302,930 | $45,908 | $55,494 | 18.32 % |
| 2020 | Glass | 15.38% | $631 | $570 | $0 | $6 | 1.05 % |
| 2020 | Burglary & Theft | 0.05% | $8,914 | $7,172 | $0 | $24 | 0.33 % |
| 2020 | Umbrella | 1.07% | $2,402,046 | $2,194,635 | $1,000,000 | $550,681 | 25.09 % |
| 2020 | National Flood Insurance Program | 3.64% | $1,216,557 | $1,200,065 | $702,553 | $352,523 | 29.38 % |
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 |
|---|---|---|---|---|
| 2022 | Private Passenger Auto | 0.95% | 14 | 92 |
| 2022 | Homeowners | 1.65% | 14 | 88 |
| 2021 | Private Passenger Auto | 0.63% | 5 | 49 |
| 2021 | Homeowners | 1.64% | 19 | 131 |
| 2020 | Private Passenger Auto | 0.36% | 5 | 83 |
| 2020 | Homeowners | 1.63% | 20 | 156 |
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.