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
2019 Total Property & Casualty 0.30% $76,906,699 $73,596,382 $37,228,453 $36,422,934 49.49 %
2019 Total Fire & Allied Lines 0.37% $4,389,738 $4,031,169 $1,551,905 $1,475,259 36.60 %
2019 Dwelling Fire & Allied Lines 1.06% $3,694,690 $3,634,404 $1,370,642 $1,330,850 36.62 %
2019 Commercial Fire & Allied Lines 0.07% $279,434 $283,867 $176,802 $137,592 48.47 %
2019 Farm Fire & Allied Lines 0.09% $415,614 $112,898 $4,461 $6,817 6.04 %
2019 Farmowners Multi-Peril 0.00% $-41 $-20 $0 $-1 5.00 %
2019 Total Homeowners 0.85% $39,670,606 $37,307,278 $18,582,950 $17,903,512 47.99 %
2019 Homeowners Multi-Peril 0.89% $39,670,606 $37,307,278 $18,582,950 $17,903,512 47.99 %
2019 Commercial Multi-Peril 0.39% $7,307,022 $7,328,781 $2,520,566 $3,718,080 50.73 %
2019 Inland Marine (Incl Auto Cargo) 0.16% $1,941,809 $1,995,480 $1,259,687 $1,350,617 67.68 %
2019 Earthquake 0.62% $1,389,212 $1,419,577 $0 $0 0.00 %
2019 Direct Workers Compensation 0.06% $1,529,202 $1,796,186 $991,002 $-950,701 -52.93 %
2019 Other Liability - Bodily Injury & Property Damage 0.08% $1,430,381 $1,396,345 $99,192 $171,032 12.25 %
2019 Total Private Passenger Automobile 0.12% $9,329,651 $8,887,675 $5,570,278 $5,524,335 62.16 %
2019 Private Passenger Auto Liability Bodily Injury 0.11% $2,398,730 $2,263,905 $1,713,210 $1,757,268 77.62 %
2019 Private Passenger Auto Liability Property Damage 0.13% $1,756,638 $1,677,388 $1,485,301 $1,604,636 95.66 %
2019 Private Passenger Auto Medical Payments 0.12% $206,983 $199,944 $108,054 $147,462 73.75 %
2019 Private Passenger Uninsured Motorists 0.23% $923,967 $877,030 $-68,000 $-380,173 -43.35 %
2019 Private Passenger Auto Comprehensive 0.12% $1,648,820 $1,556,912 $991,527 $1,033,280 66.37 %
2019 Private Passenger Auto Collision 0.12% $2,394,513 $2,312,496 $1,340,186 $1,361,862 58.89 %
2019 Total Commercial Automobile 0.38% $6,385,392 $6,048,021 $4,393,192 $4,349,603 71.92 %
2019 Commercial Auto Liability Bodily Injury 0.31% $2,690,554 $2,553,072 $2,229,825 $2,632,531 N/A
2019 Commercial Auto Liability Property Damage 0.38% $943,752 $903,464 $499,637 $555,571 61.49 %
2019 Commercial Auto Medical Payments 0.25% $54,098 $49,369 $34,771 $-472,919 -957.93 %
2019 Commercial Auto Uninsured Motorists 0.63% $329,274 $309,862 $90,000 $168,709 54.45 %
2019 Commercial Auto Comprehensive 0.67% $1,423,790 $1,316,114 $717,468 $754,759 57.35 %
2019 Commercial Auto Collision 0.34% $943,924 $916,140 $821,491 $710,952 77.60 %
2019 Fidelity 0.09% $54,382 $54,219 $0 $97,238 N/A
2019 Surety 0.17% $332,041 $309,077 $-333 $8,687 2.81 %
2019 Glass 21.46% $536 $469 $120 $-384 -81.88 %
2019 Burglary & Theft 0.02% $3,930 $4,138 $0 $3 0.07 %
2019 Umbrella 1.42% $2,003,959 $1,909,681 $10,000 $66,875 3.50 %
2019 National Flood Insurance Program 3.60% $1,138,879 $1,108,306 $2,249,894 $2,708,779 N/A
2018 Total Property & Casualty 0.29% $70,591,483 $65,846,037 $31,759,157 $30,307,185 46.03 %
2018 Total Fire & Allied Lines 0.35% $3,810,902 $3,810,141 $700,816 $731,022 19.19 %
2018 Dwelling Fire & Allied Lines 1.07% $3,559,839 $3,527,244 $688,485 $622,705 17.65 %
2018 Commercial Fire & Allied Lines 0.08% $251,063 $282,897 $12,331 $108,317 38.29 %
2018 Total Homeowners 0.78% $34,665,143 $31,681,381 $15,685,107 $16,273,024 51.36 %
2018 Homeowners Multi-Peril 0.82% $34,665,143 $31,681,381 $15,685,107 $16,273,024 51.36 %
2018 Commercial Multi-Peril 0.41% $7,325,951 $6,984,582 $2,362,981 $1,610,292 23.05 %
2018 Inland Marine (Incl Auto Cargo) 0.18% $2,000,837 $1,749,660 $387,130 $460,468 26.32 %
2018 Earthquake 0.65% $1,434,170 $1,350,163 $0 $0 0.00 %
2018 Direct Workers Compensation 0.11% $2,787,574 $2,794,401 $1,960,325 $1,402,939 50.21 %
2018 Other Liability - Bodily Injury & Property Damage 0.09% $1,421,537 $1,428,928 $420,232 $1,236,444 86.53 %
2018 Total Private Passenger Automobile 0.12% $8,354,052 $7,665,802 $3,953,954 $4,383,498 57.18 %
2018 Private Passenger Auto Liability Bodily Injury 0.11% $2,121,065 $1,935,233 $830,654 $957,493 49.48 %
2018 Private Passenger Auto Liability Property Damage 0.10% $1,577,392 $1,429,570 $1,040,275 $990,365 69.28 %
2018 Private Passenger Auto Medical Payments 0.12% $193,422 $187,396 $151,078 $153,405 81.86 %
2018 Private Passenger Uninsured Motorists 0.31% $818,621 $747,773 $33,271 $321,601 43.01 %
2018 Private Passenger Auto Comprehensive 0.11% $1,435,416 $1,321,520 $762,701 $771,217 58.36 %
2018 Private Passenger Auto Collision 0.12% $2,208,136 $2,044,310 $1,135,975 $1,189,417 58.18 %
2018 Total Commercial Automobile 0.36% $5,484,648 $5,195,757 $4,977,293 $4,301,935 82.80 %
2018 Commercial Auto Liability Bodily Injury 0.31% $2,371,181 $2,245,812 $2,493,854 $645,009 28.72 %
2018 Commercial Auto Liability Property Damage 0.35% $846,445 $795,328 $519,022 $441,010 55.45 %
2018 Commercial Auto Medical Payments 0.27% $48,078 $46,421 $35,544 $511,082 N/A
2018 Commercial Auto Uninsured Motorists 0.60% $287,665 $287,844 $1,025,000 $1,621,678 N/A
2018 Commercial Auto Comprehensive 0.61% $1,054,015 $998,436 $460,318 $496,577 49.74 %
2018 Commercial Auto Collision 0.32% $877,264 $821,916 $443,555 $586,579 71.37 %
2018 Fidelity 0.10% $56,186 $55,349 $0 $1,417 2.56 %
2018 Surety 0.22% $313,519 $277,829 $-1,405 $-1,959 -0.71 %
2018 Glass 17.53% $291 $178 $0 $501 N/A
2018 Burglary & Theft 0.03% $4,216 $4,509 $0 $9 0.20 %
2018 Umbrella 1.30% $1,837,782 $1,794,320 $1,026,581 $-226,643 -12.63 %
2018 National Flood Insurance Program 3.44% $1,094,675 $1,053,037 $286,143 $134,238 12.75 %
2017 Total Property & Casualty 0.26% $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 1.01% $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 0.69% $28,743,760 $26,212,485 $20,557,410 $21,976,302 83.84 %
2017 Homeowners Multi-Peril 0.72% $28,743,760 $26,212,485 $20,557,410 $21,976,302 83.84 %
2017 Commercial Multi-Peril 0.35% $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 0.10% $6,928,054 $6,198,439 $3,586,627 $4,181,294 67.46 %
2017 Private Passenger Auto Liability Bodily Injury 0.10% $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 0.11% $182,992 $171,599 $263,344 $262,380 N/A
2017 Private Passenger Uninsured Motorists 0.27% $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 0.10% $1,841,228 $1,621,426 $941,480 $952,652 58.75 %
2017 Total Commercial Automobile 0.36% $5,159,582 $4,796,855 $2,440,520 $5,210,993 N/A
2017 Commercial Auto Liability Bodily Injury 0.32% $2,229,887 $2,109,263 $842,236 $3,361,755 N/A
2017 Commercial Auto Liability Property Damage 0.33% $779,249 $732,478 $422,653 $492,121 67.19 %
2017 Commercial Auto Medical Payments 0.26% $44,452 $43,037 $6,820 $23,927 55.60 %
2017 Commercial Auto Uninsured Motorists 0.61% $288,853 $261,338 $229,831 $539,956 N/A
2017 Commercial Auto Comprehensive 0.61% $1,029,723 $945,148 $346,947 $322,989 34.17 %
2017 Commercial Auto Collision 0.31% $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 1.32% $1,760,582 $1,750,693 $10,000 $466,759 26.66 %
2017 National Flood Insurance Program 3.44% $1,041,334 $983,426 $2,782,453 $2,610,253 N/A

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
2019 Private Passenger Auto 0.19% 4 113
2019 Homeowners 1.53% 16 123
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


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.