Company Details

  AUTO OWNERS INSURANCE COMPANY License Status :
Active

NAIC Number :

18988


Phone Number:

517-323-1200


Company Address:

PO 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 Earned Direct Premium Written 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.

Link to Enforcements Page


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

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.