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Company Details
AUTO OWNERS INSURANCE COMPANY License Status :
Active
NAIC Number :
18988
Phone Number:
517-323-1200
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 |
|---|---|---|---|---|---|---|---|
| 2018 | Total Property & Casualty | 0.15% | $70,591,483 | $65,846,037 | $31,759,157 | $30,307,185 | 46.03 % |
| 2018 | Total Fire & Allied Lines | 0.18% | $3,810,902 | $3,810,141 | $700,816 | $731,022 | 19.19 % |
| 2018 | Dwelling Fire & Allied Lines | 0.54% | $3,559,839 | $3,527,244 | $688,485 | $622,705 | 17.65 % |
| 2018 | Commercial Fire & Allied Lines | 0.04% | $251,063 | $282,897 | $12,331 | $108,317 | 38.29 % |
| 2018 | Total Homeowners | 0.40% | $34,665,143 | $31,681,381 | $15,685,107 | $16,273,024 | 51.36 % |
| 2018 | Homeowners Multi-Peril | 0.41% | $34,665,143 | $31,681,381 | $15,685,107 | $16,273,024 | 51.36 % |
| 2018 | Commercial Multi-Peril | 0.21% | $7,325,951 | $6,984,582 | $2,362,981 | $1,610,292 | 23.05 % |
| 2018 | Inland Marine (Incl Auto Cargo) | 0.09% | $2,000,837 | $1,749,660 | $387,130 | $460,468 | 26.32 % |
| 2018 | Earthquake | 0.33% | $1,434,170 | $1,350,163 | $0 | $0 | 0.00 % |
| 2018 | Direct Workers Compensation | 0.06% | $2,787,574 | $2,794,401 | $1,960,325 | $1,402,939 | 50.21 % |
| 2018 | Other Liability - Bodily Injury & Property Damage | 0.04% | $1,421,537 | $1,428,928 | $420,232 | $1,236,444 | 86.53 % |
| 2018 | Total Private Passenger Automobile | 0.06% | $8,354,052 | $7,665,802 | $3,953,954 | $4,383,498 | 57.18 % |
| 2018 | Private Passenger Auto Liability Bodily Injury | 0.06% | $2,121,065 | $1,935,233 | $830,654 | $957,493 | 49.48 % |
| 2018 | Private Passenger Auto Liability Property Damage | 0.05% | $1,577,392 | $1,429,570 | $1,040,275 | $990,365 | 69.28 % |
| 2018 | Private Passenger Auto Medical Payments | 0.06% | $193,422 | $187,396 | $151,078 | $153,405 | 81.86 % |
| 2018 | Private Passenger Uninsured Motorists | 0.17% | $818,621 | $747,773 | $33,271 | $321,601 | 43.01 % |
| 2018 | Private Passenger Auto Comprehensive | 0.06% | $1,435,416 | $1,321,520 | $762,701 | $771,217 | 58.36 % |
| 2018 | Private Passenger Auto Collision | 0.06% | $2,208,136 | $2,044,310 | $1,135,975 | $1,189,417 | 58.18 % |
| 2018 | Total Commercial Automobile | 0.19% | $5,484,648 | $5,195,757 | $4,977,293 | $4,301,935 | 82.80 % |
| 2018 | Commercial Auto Liability Bodily Injury | 0.16% | $2,371,181 | $2,245,812 | $2,493,854 | $645,009 | 28.72 % |
| 2018 | Commercial Auto Liability Property Damage | 0.18% | $846,445 | $795,328 | $519,022 | $441,010 | 55.45 % |
| 2018 | Commercial Auto Medical Payments | 0.14% | $48,078 | $46,421 | $35,544 | $511,082 | N/A |
| 2018 | Commercial Auto Uninsured Motorists | 0.32% | $287,665 | $287,844 | $1,025,000 | $1,621,678 | N/A |
| 2018 | Commercial Auto Comprehensive | 0.32% | $1,054,015 | $998,436 | $460,318 | $496,577 | 49.74 % |
| 2018 | Commercial Auto Collision | 0.17% | $877,264 | $821,916 | $443,555 | $586,579 | 71.37 % |
| 2018 | Fidelity | 0.05% | $56,186 | $55,349 | $0 | $1,417 | 2.56 % |
| 2018 | Surety | 0.11% | $313,519 | $277,829 | $-1,405 | $-1,959 | -0.71 % |
| 2018 | Glass | 8.77% | $291 | $178 | $0 | $501 | N/A |
| 2018 | Burglary & Theft | 0.01% | $4,216 | $4,509 | $0 | $9 | 0.20 % |
| 2018 | Umbrella | 0.68% | $1,837,782 | $1,794,320 | $1,026,581 | $-226,643 | -12.63 % |
| 2018 | National Flood Insurance Program | 1.74% | $1,094,675 | $1,053,037 | $286,143 | $134,238 | 12.75 % |
| 2017 | Total Property & Casualty | 0.27% | $61,289,129 | $56,600,729 | $35,783,992 | $39,565,326 | 69.90 % |
| 2017 | Total Fire & Allied Lines | 0.36% | $3,807,315 | $3,725,739 | $1,570,376 | $1,571,803 | 42.19 % |
| 2017 | Dwelling Fire & Allied Lines | 1.02% | $3,475,906 | $3,394,235 | $1,445,894 | $1,536,602 | 45.27 % |
| 2017 | Commercial Fire & Allied Lines | 0.12% | $331,409 | $331,504 | $124,482 | $35,201 | 10.62 % |
| 2017 | Total Homeowners | 0.70% | $28,743,760 | $26,212,485 | $20,557,410 | $21,976,302 | 83.84 % |
| 2017 | Homeowners Multi-Peril | 0.73% | $28,743,760 | $26,212,485 | $20,557,410 | $21,976,302 | 83.84 % |
| 2017 | Commercial Multi-Peril | 0.36% | $6,541,481 | $6,080,606 | $2,257,531 | $1,681,115 | 27.65 % |
| 2017 | Inland Marine (Incl Auto Cargo) | 0.14% | $1,572,920 | $1,420,621 | $604,995 | $600,897 | 42.30 % |
| 2017 | Earthquake | 0.61% | $1,262,089 | $1,095,468 | $0 | $0 | 0.00 % |
| 2017 | Direct Workers Compensation | 0.11% | $2,719,158 | $2,666,339 | $1,681,506 | $748,350 | 28.07 % |
| 2017 | Other Liability - Bodily Injury & Property Damage | 0.08% | $1,441,139 | $1,378,475 | $295,084 | $383,771 | 27.84 % |
| 2017 | Total Private Passenger Automobile | 0.11% | $6,928,054 | $6,198,439 | $3,586,627 | $4,181,294 | 67.46 % |
| 2017 | Private Passenger Auto Liability Bodily Injury | 0.11% | $1,758,504 | $1,614,339 | $696,723 | $946,058 | 58.60 % |
| 2017 | Private Passenger Auto Liability Property Damage | 0.09% | $1,260,866 | $1,107,197 | $910,124 | $1,028,508 | 92.89 % |
| 2017 | Private Passenger Auto Medical Payments | 0.12% | $182,992 | $171,599 | $263,344 | $262,380 | N/A |
| 2017 | Private Passenger Uninsured Motorists | 0.29% | $675,421 | $598,423 | $27,500 | $237,119 | 39.62 % |
| 2017 | Private Passenger Auto Comprehensive | 0.10% | $1,209,043 | $1,085,455 | $747,456 | $754,577 | 69.52 % |
| 2017 | Private Passenger Auto Collision | 0.11% | $1,841,228 | $1,621,426 | $941,480 | $952,652 | 58.75 % |
| 2017 | Total Commercial Automobile | 0.38% | $5,159,582 | $4,796,855 | $2,440,520 | $5,210,993 | N/A |
| 2017 | Commercial Auto Liability Bodily Injury | 0.33% | $2,229,887 | $2,109,263 | $842,236 | $3,361,755 | N/A |
| 2017 | Commercial Auto Liability Property Damage | 0.35% | $779,249 | $732,478 | $422,653 | $492,121 | 67.19 % |
| 2017 | Commercial Auto Medical Payments | 0.27% | $44,452 | $43,037 | $6,820 | $23,927 | 55.60 % |
| 2017 | Commercial Auto Uninsured Motorists | 0.66% | $288,853 | $261,338 | $229,831 | $539,956 | N/A |
| 2017 | Commercial Auto Comprehensive | 0.64% | $1,029,723 | $945,148 | $346,947 | $322,989 | 34.17 % |
| 2017 | Commercial Auto Collision | 0.32% | $787,418 | $705,591 | $592,033 | $470,245 | 66.65 % |
| 2017 | Fidelity | 0.09% | $55,526 | $53,961 | $0 | $755 | 1.40 % |
| 2017 | Surety | 0.21% | $252,215 | $234,405 | $-2,510 | $133,035 | 56.75 % |
| 2017 | Glass | 50.00% | $94 | $12 | $0 | $1 | 8.33 % |
| 2017 | Burglary & Theft | 0.02% | $3,880 | $3,205 | $0 | $-2 | -0.06 % |
| 2017 | Umbrella | 1.37% | $1,760,582 | $1,750,693 | $10,000 | $466,759 | 26.66 % |
| 2017 | National Flood Insurance Program | 3.49% | $1,041,334 | $983,426 | $2,782,453 | $2,610,253 | N/A |
| 2016 | Total Property & Casualty | 0.24% | $52,933,045 | $52,002,845 | $24,253,148 | $26,169,508 | 50.32 % |
| 2016 | Total Fire & Allied Lines | 0.36% | $3,700,487 | $3,751,005 | $1,199,973 | $1,320,623 | 35.21 % |
| 2016 | Dwelling Fire & Allied Lines | 0.96% | $3,366,244 | $3,431,298 | $955,586 | $987,264 | 28.77 % |
| 2016 | Commercial Fire & Allied Lines | 0.13% | $334,243 | $319,707 | $244,387 | $333,359 | N/A |
| 2016 | Total Homeowners | 0.60% | $23,981,371 | $23,254,807 | $9,820,219 | $10,411,548 | 44.77 % |
| 2016 | Homeowners Multi-Peril | 0.63% | $23,981,371 | $23,254,807 | $9,820,219 | $10,411,548 | 44.77 % |
| 2016 | Commercial Multi-Peril | 0.32% | $5,842,580 | $5,686,412 | $1,488,782 | $1,339,942 | 23.56 % |
| 2016 | Inland Marine (Incl Auto Cargo) | 0.13% | $1,322,187 | $1,241,576 | $255,813 | $260,481 | 20.98 % |
| 2016 | Earthquake | 0.48% | $949,739 | $911,411 | $0 | $0 | 0.00 % |
| 2016 | Direct Workers Compensation | 0.10% | $2,562,867 | $2,983,422 | $1,791,385 | $1,866,945 | 62.58 % |
| 2016 | Other Liability - Bodily Injury & Property Damage | 0.09% | $1,257,821 | $1,210,465 | $124,532 | $176,934 | 14.62 % |
| 2016 | Total Private Passenger Automobile | 0.09% | $5,570,939 | $5,438,665 | $3,075,421 | $3,521,261 | 64.74 % |
| 2016 | Private Passenger Auto Liability Bodily Injury | 0.10% | $1,508,530 | $1,500,776 | $583,092 | $1,139,499 | 75.93 % |
| 2016 | Private Passenger Auto Liability Property Damage | 0.08% | $977,103 | $953,070 | $706,382 | $701,605 | 73.62 % |
| 2016 | Private Passenger Auto Medical Payments | 0.11% | $163,330 | $161,248 | $107,518 | $122,962 | 76.26 % |
| 2016 | Private Passenger Uninsured Motorists | 0.25% | $530,079 | $502,965 | $286,596 | $151,607 | 30.14 % |
| 2016 | Private Passenger Auto Comprehensive | 0.09% | $976,018 | $953,210 | $493,708 | $494,104 | 51.84 % |
| 2016 | Private Passenger Auto Collision | 0.09% | $1,415,879 | $1,367,396 | $898,125 | $911,484 | 66.66 % |
| 2016 | Total Commercial Automobile | 0.36% | $4,753,297 | $4,499,057 | $2,465,576 | $2,716,644 | 60.38 % |
| 2016 | Commercial Auto Liability Bodily Injury | 0.32% | $2,129,609 | $2,015,091 | $1,223,107 | $2,051,033 | N/A |
| 2016 | Commercial Auto Liability Property Damage | 0.35% | $734,381 | $702,512 | $505,644 | $395,842 | 56.35 % |
| 2016 | Commercial Auto Medical Payments | 0.27% | $42,969 | $42,490 | $41,462 | $65,008 | N/A |
| 2016 | Commercial Auto Uninsured Motorists | 0.63% | $253,605 | $242,396 | $232,500 | $-419,118 | -172.91 % |
| 2016 | Commercial Auto Comprehensive | 0.61% | $912,080 | $859,211 | $108,970 | $123,687 | 14.40 % |
| 2016 | Commercial Auto Collision | 0.30% | $680,653 | $637,357 | $353,893 | $500,192 | 78.48 % |
| 2016 | Fidelity | 0.09% | $53,629 | $51,477 | $0 | $-1,379 | -2.68 % |
| 2016 | Surety | 0.19% | $244,444 | $268,339 | $27,603 | $9,139 | 3.41 % |
| 2016 | Burglary & Theft | 0.02% | $2,836 | $2,897 | $0 | $-64 | -2.21 % |
| 2016 | Umbrella | 1.27% | $1,781,683 | $1,784,701 | $1,010,000 | $1,440,786 | 80.73 % |
| 2016 | National Flood Insurance Program | 2.95% | $909,165 | $918,611 | $2,993,844 | $3,106,648 | N/A |
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 |
|---|---|---|---|---|
| 2018 | Private Passenger Auto | 0.17% | 5 | 146 |
| 2018 | Homeowners | 1.37% | 9 | 74 |
| 2017 | Private Passenger Auto | 0.16% | 3 | 86 |
| 2017 | Homeowners | 1.25% | 6 | 50 |
| 2016 | Private Passenger Auto | 0.16% | 5 | 138 |
| 2016 | Homeowners | 1.06% | 4 | 36 |
Company Changes
Effective Date: 08/06/2007
Comments:
Effective Date: 01/06/2015
Comments:
Market Conduct
Date: 08/06/2007
Date: 08/06/2007
Date: 01/06/2015
Financial Exams
This company does not have any financial exams.