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
2016 Total Property & Casualty 0.51% $52,933,045 $52,002,845 $24,253,148 $26,169,50850.32%
2016 Total Fire & Allied Lines 0.80% $3,700,487 $3,751,005 $1,199,973 $1,320,62335.21%
2016 Dwelling Fire & Allied Lines 2.03% $3,366,244 $3,431,298 $955,586 $987,26428.77%
2016 Commercial Fire & Allied Lines 0.26% $334,243 $319,707 $244,387 $333,359104.27%
2016 Total Homeowners 1.25% $23,981,371 $23,254,807 $9,820,219 $10,411,54844.77%
2016 Homeowners Multi-Peril 1.31% $23,981,371 $23,254,807 $9,820,219 $10,411,54844.77%
2016 Commercial Multi-Peril 0.79% $5,842,580 $5,686,412 $1,488,782 $1,339,94223.56%
2016 Inland Marine (Incl Auto Cargo) 0.35% $1,322,187 $1,241,576 $255,813 $260,48120.98%
2016 Earthquake 1.02% $949,739 $911,411 $0 $00.00%
2016 Direct Workers Compensation 0.27% $2,562,867 $2,983,422 $1,791,385 $1,866,94562.58%
2016 Other Liability - Bodily Injury & Property Damage 0.24% $1,257,821 $1,210,465 $124,532 $176,93414.62%
2016 Total Private Passenger Automobile 0.15% $5,570,939 $5,438,665 $3,075,421 $3,521,26164.74%
2016 Private Passenger Auto Liability Bodily Injury 0.16% $1,508,530 $1,500,776 $583,092 $1,139,49975.93%
2016 Private Passenger Auto Liability Property Damage 0.13% $977,103 $953,070 $706,382 $701,60573.62%
2016 Private Passenger Auto Medical Payments 0.17% $163,330 $161,248 $107,518 $122,96276.26%
2016 Private Passenger Uninsured Motorists 0.39% $530,079 $502,965 $286,596 $151,60730.14%
2016 Private Passenger Auto Comprehensive 0.15% $976,018 $953,210 $493,708 $494,10451.84%
2016 Private Passenger Auto Collision 0.15% $1,415,879 $1,367,396 $898,125 $911,48466.66%
2016 Total Commercial Automobile 0.84% $4,753,297 $4,499,057 $2,465,576 $2,716,64460.38%
2016 Commercial Auto Liability Bodily Injury 0.75% $2,129,609 $2,015,091 $1,223,107 $2,051,033101.78%
2016 Commercial Auto Liability Property Damage 0.85% $734,381 $702,512 $505,644 $395,84256.35%
2016 Commercial Auto Medical Payments 0.61% $42,969 $42,490 $41,462 $65,008153.00%
2016 Commercial Auto Uninsured Motorists 1.33% $253,605 $242,396 $232,500 $-419,118-172.91%
2016 Commercial Auto Comprehensive 1.29% $912,080 $859,211 $108,970 $123,68714.40%
2016 Commercial Auto Collision 0.68% $680,653 $637,357 $353,893 $500,19278.48%
2016 Fidelity 0.22% $53,629 $51,477 $0 $-1,379-2.68%
2016 Surety 0.33% $244,444 $268,339 $27,603 $9,1393.41%
2016 Burglary & Theft 0.05% $2,836 $2,897 $0 $-64-2.21%
2016 Umbrella 3.21% $1,781,683 $1,784,701 $1,010,000 $1,440,78680.73%
2016 National Flood Insurance Program 5.59% $909,165 $918,611 $2,993,844 $3,106,648338.19%
2015 Total Property & Casualty 0.51% $51,307,736 $45,967,800 $20,581,677 $21,288,97546.31%
2015 Total Fire & Allied Lines 0.80% $3,827,218 $3,921,179 $2,171,187 $2,378,94460.67%
2015 Dwelling Fire & Allied Lines 2.30% $3,523,958 $3,629,086 $2,107,989 $2,286,96463.02%
2015 Commercial Fire & Allied Lines 0.22% $303,260 $292,093 $63,198 $91,98031.49%
2015 Total Homeowners 1.23% $22,978,283 $17,852,026 $7,994,372 $6,859,45438.42%
2015 Homeowners Multi-Peril 1.29% $22,978,283 $17,852,026 $7,994,372 $6,859,45438.42%
2015 Commercial Multi-Peril 0.75% $5,452,777 $5,367,161 $945,636 $85,9471.60%
2015 Inland Marine (Incl Auto Cargo) 0.36% $1,173,584 $969,971 $249,352 $257,61326.56%
2015 Earthquake 0.96% $897,749 $694,233 $0 $00.00%
2015 Direct Workers Compensation 0.36% $3,290,188 $3,479,535 $2,660,688 $4,978,252143.07%
2015 Other Liability - Bodily Injury & Property Damage 0.22% $1,117,047 $1,091,449 $176,499 $281,18925.76%
2015 Total Private Passenger Automobile 0.16% $5,436,941 $5,585,486 $3,331,265 $2,874,48451.46%
2015 Private Passenger Auto Liability Bodily Injury 0.18% $1,544,841 $1,599,413 $666,692 $254,77215.93%
2015 Private Passenger Auto Liability Property Damage 0.14% $949,068 $973,929 $708,264 $700,97571.97%
2015 Private Passenger Auto Medical Payments 0.18% $164,302 $172,402 $77,476 $76,20344.20%
2015 Private Passenger Uninsured Motorists 0.38% $476,968 $475,235 $360,284 $325,38868.47%
2015 Private Passenger Auto Comprehensive 0.16% $960,526 $991,767 $445,823 $431,57643.52%
2015 Private Passenger Auto Collision 0.15% $1,341,236 $1,372,740 $1,072,726 $1,085,57079.08%
2015 Total Commercial Automobile 0.78% $4,201,080 $4,097,599 $2,517,211 $2,973,76572.57%
2015 Commercial Auto Liability Bodily Injury 0.66% $1,833,236 $1,816,155 $1,059,266 $1,269,04469.88%
2015 Commercial Auto Liability Property Damage 0.80% $649,375 $637,513 $579,875 $786,245123.33%
2015 Commercial Auto Medical Payments 0.54% $41,394 $40,014 $19,195 $20,36450.89%
2015 Commercial Auto Uninsured Motorists 1.37% $233,535 $224,350 $0 $24,59910.96%
2015 Commercial Auto Comprehensive 1.32% $839,775 $783,807 $444,881 $454,96058.04%
2015 Commercial Auto Collision 0.63% $603,765 $595,760 $413,994 $418,55370.26%
2015 Fidelity 0.19% $45,977 $47,548 $0 $-6,074-12.77%
2015 Surety 0.37% $279,171 $319,871 $97,805 $-9,950-3.11%
2015 Glass 0.00% $0 $517 $0 $-40-7.74%
2015 Burglary & Theft 0.05% $2,549 $2,446 $0 $-26-1.06%
2015 Umbrella 2.95% $1,745,931 $1,738,819 $-200,000 $-38,060-2.19%
2015 National Flood Insurance Program 5.29% $859,241 $799,960 $637,662 $653,47781.69%
2014 Total Property & Casualty 0.42% $40,717,393 $41,113,660 $21,735,817 $22,622,94255.03%
2014 Total Fire & Allied Lines 0.88% $4,003,739 $4,136,335 $1,661,693 $1,594,10138.54%
2014 Dwelling Fire & Allied Lines 2.71% $3,745,364 $3,831,124 $1,404,244 $1,361,40935.54%
2014 Commercial Fire & Allied Lines 0.16% $258,375 $305,211 $257,449 $232,69276.24%
2014 Total Homeowners 0.71% $12,804,363 $13,038,072 $9,143,420 $9,499,44572.86%
2014 Homeowners Multi-Peril 0.75% $12,804,363 $13,038,072 $9,143,420 $9,499,44572.86%
2014 Commercial Multi-Peril 0.72% $5,097,687 $5,207,883 $3,323,376 $4,307,29282.71%
2014 Inland Marine (Incl Auto Cargo) 0.25% $765,869 $769,793 $244,042 $247,37232.13%
2014 Earthquake 0.51% $500,102 $449,042 $0 $-66-0.01%
2014 Direct Workers Compensation 0.42% $3,792,680 $3,704,139 $2,486,367 $3,296,72489.00%
2014 Other Liability - Bodily Injury & Property Damage 0.56% $2,803,244 $2,834,820 $392,378 $-261,464-9.22%
2014 Total Private Passenger Automobile 0.19% $5,884,730 $6,027,317 $3,019,880 $3,106,70951.54%
2014 Private Passenger Auto Liability Bodily Injury 0.21% $1,703,373 $1,757,153 $516,580 $579,77132.99%
2014 Private Passenger Auto Liability Property Damage 0.16% $1,026,397 $1,059,594 $728,633 $743,32370.15%
2014 Private Passenger Auto Medical Payments 0.22% $187,077 $193,395 $127,689 $132,17668.35%
2014 Private Passenger Uninsured Motorists 0.40% $476,114 $482,392 $131,499 $168,17634.86%
2014 Private Passenger Auto Comprehensive 0.18% $1,054,034 $1,072,688 $565,199 $573,91353.50%
2014 Private Passenger Auto Collision 0.17% $1,437,735 $1,462,095 $950,280 $909,35062.20%
2014 Total Commercial Automobile 0.73% $3,810,006 $3,766,627 $1,311,061 $595,60815.81%
2014 Commercial Auto Liability Bodily Injury 0.67% $1,732,596 $1,689,162 $255,561 $-709,505-42.00%
2014 Commercial Auto Liability Property Damage 0.74% $603,283 $605,374 $243,710 $251,33741.52%
2014 Commercial Auto Medical Payments 0.46% $37,997 $39,506 $10,850 $9,00822.80%
2014 Commercial Auto Uninsured Motorists 1.12% $212,006 $206,164 $315,000 $544,148263.94%
2014 Commercial Auto Comprehensive 1.09% $680,697 $684,984 $246,309 $244,03335.63%
2014 Commercial Auto Collision 0.61% $543,427 $541,437 $239,631 $256,58747.39%
2014 Fidelity 0.20% $46,700 $46,917 $0 $-4,475-9.54%
2014 Surety 0.46% $340,831 $324,033 $-32,953 $70,22421.67%
2014 Glass 53.86% $1,327 $1,335 $0 $110.82%
2014 Burglary & Theft 0.08% $3,651 $3,421 $0 $150.44%
2014 National Flood Insurance Program 4.83% $862,464 $803,926 $186,553 $171,44621.33%

Enforcements

The department 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
2016 Private passenger auto 0.17% 5 138
2016 Homeowners 1.06% 4 36
2015 Private passenger auto 0.18% 5 121
2015 Homeowners 0.95% 6 50
2014 Private passenger auto 0.21% 4 87
2014 Homeowners 0.85% 11 84

Company Changes

This company has not filed any changes with the department.

Market Conduct

Date: 08/06/2007

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  Stipulation

Date: 01/06/2015

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Financial Exams

This company does not have any financial exams.