Company Details

Company Details

Company Name:
AUTO OWNERS INSURANCE COMPANY
License Status:
Active
NAIC Number:
18988
Company Address:
6101 Anacapri Boulevard
Lansing, MI 48917-3968
Phone Number:
5173231200
Mailing Address:
P.O. BOX 30660
Lansing, MI 48909-8160
Description:
Property and Casualty (Ch 379, RSMo)
License Number:
B419060
Date Admitted:
1944-05-29

Market Share

Year Line Market Share Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred In Force Loss Ratio
2025 Total Property & Casualty 1.81% $325,744,706 $318,530,763 $0 $191,840,618 $202,076,207 $0 105.34%
2025 Total Fire & Allied Lines 3.86% $26,035,599 $24,318,260 $0 $13,311,243 $15,950,817 $0 119.83%
2025 Dwelling Fire & Allied Lines 5.09% $16,969,441 $14,882,281 $0 $6,265,757 $7,647,042 $0 122.04%
2025 Commercial Fire & Allied Lines 0.38% $1,252,138 $1,226,360 $0 $1,683,336 $3,041,244 $0 180.67%
2025 Farm Fire & Allied Lines 50.31% $7,814,020 $8,209,619 $0 $5,362,150 $5,262,531 $0 98.14%
2025 National Flood Insurance Program 9.39% $1,525,800 $1,504,757 $0 $941,511 $202,022 $0 21.46%
2025 Private Flood 0.63% $40,318 $40,219 $0 $41,640 $42,071 $0 101.04%
2025 Farmowners Multi-Peril 0.38% $1,135,020 $23,282 $0 $0 $4,773 $0 0%
2025 Total Homeowners 3.16% $116,864,191 $110,931,110 $0 $81,832,603 $82,618,617 $0 100.96%
2025 Homeowners Multi-Peril 3.31% $116,864,191 $110,931,110 $0 $81,832,603 $82,618,617 $0 100.96%
2025 Commercial Multi-Peril 2.11% $26,226,066 $25,099,854 $0 $11,523,442 $7,685,498 $0 66.69%
2025 Inland Marine (Incl Auto Cargo) 0.87% $3,535,900 $3,577,140 $0 $2,928,061 $3,006,988 $0 102.7%
2025 Earthquake 1.09% $1,579,394 $1,541,328 $0 $0 $0 $0 0%
2025 Direct Workers Compensation 0.2% $2,109,392 $2,082,882 $0 $767,553 $337,041 $0 43.91%
2025 Other Liability - Bodily Injury & Property Damage 0.28% $2,996,437 $3,093,478 $0 $1,994,386 $5,366,130 $0 269.06%
2025 Total Private Passenger Auto 1.55% $50,683,544 $52,477,562 $0 $27,590,459 $33,897,892 $0 122.86%
2025 Private Passenger Auto Liability - Bodily Injury 1.47% $23,585,242 $23,867,895 $0 $11,795,630 $16,485,128 $0 139.76%
2025 Private Passenger Auto Liability - Property Damage 1.77% $18,796,661 $20,058,410 $0 $11,373,722 $11,788,449 $0 103.65%
2025 Private Passenger Auto Liability - Medical Payments 1.52% $1,342,421 $1,385,062 $0 $1,172,407 $906,530 $0 77.32%
2025 Private Passenger Auto Liability - Uninsured Motorists 1.91% $6,959,220 $7,166,195 $0 $3,248,700 $4,717,785 $0 145.22%
2025 Total Commercial Auto 2.88% $24,556,749 $23,877,699 $0 $8,782,387 $12,757,588 $0 145.26%
2025 Commercial Auto Liability - Bodily Injury 2.77% $17,237,937 $16,336,776 $0 $5,842,153 $8,449,017 $0 144.62%
2025 Commercial Auto Liability - Property Damage 2.63% $4,772,115 $5,059,823 $0 $2,494,800 $2,707,194 $0 108.51%
2025 Commercial Auto Liability - Medical Payments 12.06% $267,799 $277,671 $0 $135,620 $89,753 $0 66.18%
2025 Commercial Auto Liability - Uninsured Motorists 4.82% $2,278,898 $2,203,429 $0 $309,814 $1,511,624 $0 487.91%
2025 Private Passenger Auto - Comprehensive 1.73% $24,291,742 $24,195,511 $0 $16,107,369 $15,776,276 $0 97.94%
2025 Private Passenger Auto - Collision 1.68% $26,423,077 $28,017,828 $0 $13,582,127 $12,963,274 $0 95.44%
2025 Commercial Auto - Comprehensive 3.86% $5,582,616 $5,425,728 $0 $3,686,065 $3,797,107 $0 103.01%
2025 Commercial Auto - Collision 3% $6,977,883 $7,156,686 $0 $3,233,633 $3,107,603 $0 96.1%
2025 Fidelity 0.22% $56,187 $51,503 $0 $0 $20,586 $0 0%
2025 Surety 0.18% $288,943 $303,748 $0 $69,405 $94,118 $0 135.61%
2025 Burglary & Theft 0.13% $18,031 $12,105 $0 $0 $1,800 $0 0%
2025 Glass 43.54% $2,586 $2,308 $0 $0 $39 $0 0%
2025 Umbrella 4.43% $4,815,231 $4,797,775 $0 $5,448,734 $4,445,967 $0 81.6%
2024 Total Property & Casualty 1.78% $305,779,020 $270,608,486 $0 $201,197,163 $232,851,772 $0 115.73%
2024 Total Fire & Allied Lines 3.34% $21,203,018 $16,844,479 $0 $15,341,104 $15,511,366 $0 101.11%
2024 Dwelling Fire & Allied Lines 5.62% $12,359,273 $9,199,714 $0 $7,437,827 $8,483,290 $0 114.06%
2024 Commercial Fire & Allied Lines 0.31% $1,215,922 $1,176,384 $0 $1,948,709 $59,228 $0 3.04%
2024 Farm Fire & Allied Lines 42.77% $7,627,823 $6,468,381 $0 $5,954,568 $6,968,848 $0 117.03%
2024 National Flood Insurance Program 9.35% $1,484,005 $1,432,255 $0 $81,622 $723,748 $0 0%
2024 Private Flood 0.78% $39,591 $34,461 $0 $20,714 $27,702 $0 133.74%
2024 Farmowners Multi-Peril 0% $118 $116 $0 $95,303 $94,714 $0 99.38%
2024 Total Homeowners 2.98% $101,419,869 $84,556,727 $0 $86,517,815 $95,676,959 $0 110.59%
2024 Homeowners Multi-Peril 3.11% $101,419,869 $84,556,727 $0 $86,517,815 $95,676,959 $0 110.59%
2024 Commercial Multi-Peril 1.94% $23,137,112 $21,512,272 $0 $12,328,551 $19,636,312 $0 159.28%
2024 Inland Marine (Incl Auto Cargo) 0.89% $3,654,426 $3,472,046 $0 $1,408,442 $1,538,249 $0 109.22%
2024 Earthquake 1.05% $1,532,254 $1,482,503 $0 $0 $0 $0 0%
2024 Direct Workers Compensation 0.2% $2,219,985 $2,405,432 $0 $829,814 $-76,006 $0 -9.16%
2024 Other Liability - Bodily Injury & Property Damage 0.34% $3,229,965 $3,011,173 $0 $3,339,021 $3,890,408 $0 116.51%
2024 Total Private Passenger Auto 1.74% $54,110,001 $48,955,284 $0 $23,346,248 $32,664,104 $0 139.91%
2024 Private Passenger Auto Liability - Bodily Injury 1.64% $24,336,960 $21,621,009 $0 $7,472,467 $13,687,240 $0 183.17%
2024 Private Passenger Auto Liability - Property Damage 1.93% $20,934,758 $18,893,802 $0 $10,889,905 $12,267,056 $0 112.65%
2024 Private Passenger Auto Liability - Medical Payments 1.64% $1,459,420 $1,475,700 $0 $940,542 $1,056,040 $0 112.28%
2024 Private Passenger Auto Liability - Uninsured Motorists 2.35% $7,378,863 $6,964,773 $0 $4,043,334 $5,653,768 $0 139.83%
2024 Total Commercial Auto 2.99% $23,337,800 $21,948,383 $0 $9,505,249 $13,950,956 $0 146.77%
2024 Commercial Auto Liability - Bodily Injury 2.79% $15,663,216 $14,679,102 $0 $6,320,030 $9,790,203 $0 154.91%
2024 Commercial Auto Liability - Property Damage 3.17% $5,239,324 $4,886,597 $0 $2,711,566 $3,101,636 $0 114.39%
2024 Commercial Auto Liability - Medical Payments 4.09% $296,473 $305,335 $0 $73,653 $191,336 $0 259.78%
2024 Commercial Auto Liability - Uninsured Motorists 4.59% $2,138,787 $2,077,349 $0 $400,000 $867,781 $0 216.95%
2024 Private Passenger Auto - Comprehensive 1.79% $24,054,449 $22,224,906 $0 $20,792,683 $20,901,674 $0 100.52%
2024 Private Passenger Auto - Collision 1.77% $28,761,190 $26,392,562 $0 $14,814,512 $14,820,579 $0 100.04%
2024 Commercial Auto - Comprehensive 3.31% $5,370,701 $5,140,749 $0 $8,502,677 $7,994,857 $0 94.03%
2024 Commercial Auto - Collision 3.57% $7,149,726 $6,510,083 $0 $3,523,408 $3,646,856 $0 103.5%
2024 Fidelity 0.2% $51,284 $53,066 $0 $50,000 $27,058 $0 54.12%
2024 Surety 0.22% $315,464 $269,828 $0 $50,000 $1,255 $0 2.51%
2024 Burglary & Theft 0.11% $12,093 $12,579 $0 $0 $149 $0 0%
2024 Glass 34.12% $1,352 $1,196 $0 $0 $11 $0 0%
2024 Umbrella 3.95% $4,694,617 $4,348,386 $0 $650,000 $1,820,821 $0 280.13%
2023 Total Property & Casualty 1.48% $234,486,466 $199,693,541 $0 $136,042,085 $172,581,516 $0 126.86%
2023 Total Fire & Allied Lines 1.71% $13,242,484 $10,239,684 $0 $6,985,250 $9,755,915 $0 139.66%
2023 Dwelling Fire & Allied Lines 2.9% $6,743,713 $5,388,741 $0 $2,946,650 $3,492,278 $0 118.52%
2023 Commercial Fire & Allied Lines 0.36% $1,149,123 $1,142,067 $0 $853,587 $2,870,956 $0 336.34%
2023 Farm Fire & Allied Lines 2.4% $5,349,648 $3,708,876 $0 $3,185,013 $3,392,681 $0 106.52%
2023 Farmowners Multi-Peril 0% $79 $17 $0 $0 $10 $0 0%
2023 Total Homeowners 2.34% $69,744,538 $58,888,131 $0 $57,266,798 $67,973,180 $0 118.7%
2023 Homeowners Multi-Peril 2.42% $69,744,538 $58,888,131 $0 $57,266,798 $67,973,180 $0 118.7%
2023 Commercial Multi-Peril 1.72% $19,021,236 $15,914,405 $0 $8,700,891 $12,475,097 $0 143.38%
2023 Inland Marine (Incl Auto Cargo) 0.6% $3,345,235 $3,074,223 $0 $1,183,546 $1,269,690 $0 107.28%
2023 Earthquake 1.02% $1,450,216 $1,404,553 $0 $0 $0 $0 0%
2023 Direct Workers Compensation 0.27% $2,894,771 $2,725,913 $0 $784,771 $-77,225 $0 -9.84%
2023 Other Liability - Bodily Injury & Property Damage 0.28% $2,708,786 $2,365,544 $0 $829,173 $1,053,348 $0 127.04%
2023 Total Private Passenger Automobile 1.56% $85,393,247 $72,153,833 $0 $48,668,514 $58,057,802 $0 119.29%
2023 Private Passenger Auto Liability Bodily Injury 1.37% $18,474,637 $16,201,639 $0 $8,156,993 $14,128,896 $0 173.21%
2023 Private Passenger Auto Liability Property Damage 1.6% $16,097,192 $13,103,163 $0 $8,193,562 $9,456,897 $0 115.42%
2023 Private Passenger Auto Medical Payments 1.69% $1,494,805 $1,392,859 $0 $768,813 $833,009 $0 108.35%
2023 Private Passenger Uninsured Motorists 2.29% $6,543,572 $5,982,894 $0 $2,613,328 $3,569,264 $0 136.58%
2023 Private Passenger Auto Comprehensive 1.72% $19,454,477 $15,953,724 $0 $15,356,801 $15,854,077 $0 103.24%
2023 Private Passenger Auto Collision 1.55% $23,328,564 $19,519,554 $0 $13,579,017 $14,215,659 $0 104.69%
2023 Total Commercial Automobile 3.01% $31,011,964 $27,719,437 $0 $11,549,452 $20,519,003 $0 177.66%
2023 Commercial Auto Liability Bodily Injury 2.61% $13,500,564 $11,923,395 $0 $1,618,361 $9,389,975 $0 0%
2023 Commercial Auto Liability Property Damage 3.13% $4,509,135 $4,073,457 $0 $2,344,073 $2,617,205 $0 111.65%
2023 Commercial Auto Medical Payments 4.03% $303,658 $277,380 $0 $67,030 $103,708 $0 154.72%
2023 Commercial Auto Uninsured Motorists 4.7% $1,957,818 $1,754,086 $0 $100,000 $618,316 $0 0%
2023 Commercial Auto Comprehensive 4.06% $4,857,496 $4,475,607 $0 $3,507,614 $3,863,912 $0 110.16%
2023 Commercial Auto Collision 2.93% $5,883,293 $5,215,512 $0 $3,912,374 $3,925,887 $0 100.35%
2023 Fidelity 0.22% $57,099 $57,563 $0 $0 $972 $0 0%
2023 Surety 0.2% $234,097 $227,205 $0 $33,829 $8,129 $0 24.03%
2023 Glass 56.49% $1,192 $1,008 $0 $0 $-6 $0 0%
2023 Burglary & Theft 0.14% $11,265 $7,949 $0 $0 $33 $0 0%
2023 Umbrella 3.91% $4,021,970 $3,679,090 $0 $0 $1,501,657 $0 0%
2023 National Flood Insurance Program 8.55% $1,318,390 $1,221,538 $0 $39,861 $39,861 $0 100%
2023 Private Flood 0.44% $29,897 $13,448 $0 $0 $4,050 $0 0%
2022 Total Property & Casualty 1.16% $166,939,769 $142,679,439 $0 $66,571,870 $82,286,058 $0 123.6%
2022 Total Fire & Allied Lines 1.7% $8,192,181 $7,058,222 $0 $4,070,595 $3,398,000 $0 83.48%
2022 Dwelling Fire & Allied Lines 2.85% $4,415,791 $3,990,321 $0 $1,858,143 $1,281,575 $0 68.97%
2022 Commercial Fire & Allied Lines 0.34% $1,060,789 $825,859 $0 $628,137 $502,306 $0 79.97%
2022 Farm Fire & Allied Lines 27.22% $2,715,601 $2,242,042 $0 $1,584,315 $1,614,119 $0 101.88%
2022 Farmowners Multi-Peril 0% $0 $-12 $0 $0 $0 $0 0%
2022 Total Homeowners 1.82% $49,254,153 $44,429,781 $0 $20,705,372 $23,804,858 $0 114.97%
2022 Homeowners Multi-Peril 1.89% $49,254,153 $44,429,781 $0 $20,705,372 $23,804,858 $0 114.97%
2022 Commercial Multi-Peril 1.42% $14,211,567 $12,212,887 $0 $2,052,605 $4,637,487 $0 225.93%
2022 Inland Marine (Incl Auto Cargo) 0.53% $2,824,135 $2,544,362 $0 $929,736 $973,591 $0 104.72%
2022 Earthquake 0.93% $1,278,390 $1,217,124 $0 $0 $0 $0 0%
2022 Direct Workers Compensation 0.23% $2,395,251 $2,398,245 $0 $740,068 $-131,972 $0 -17.83%
2022 Other Liability - Bodily Injury & Property Damage 0.26% $2,196,400 $2,074,999 $0 $190,924 $104,000 $0 54.47%
2022 Total Private Passenger Automobile 1.23% $58,393,837 $51,879,841 $0 $30,251,760 $35,001,162 $0 115.7%
2022 Private Passenger Auto Liability Bodily Injury 1.13% $13,802,581 $12,597,288 $0 $3,046,377 $6,019,339 $0 197.59%
2022 Private Passenger Auto Liability Property Damage 1.18% $10,076,657 $8,877,685 $0 $7,733,712 $7,942,280 $0 102.7%
2022 Private Passenger Auto Medical Payments 1.41% $1,248,446 $1,133,942 $0 $453,378 $577,009 $0 127.27%
2022 Private Passenger Uninsured Motorists 2.09% $5,301,845 $4,861,291 $0 $1,250,738 $2,457,019 $0 196.45%
2022 Private Passenger Auto Comprehensive 1.35% $12,591,648 $10,917,801 $0 $7,890,965 $7,980,552 $0 101.14%
2022 Private Passenger Auto Collision 1.19% $15,372,660 $13,491,834 $0 $9,876,590 $10,024,963 $0 101.5%
2022 Total Commercial Automobile 2.37% $23,248,341 $14,145,534 $0 $6,714,901 $13,126,310 $0 195.48%
2022 Commercial Auto Liability Bodily Injury 2.09% $10,014,886 $6,129,546 $0 $1,621,940 $6,288,558 $0 387.72%
2022 Commercial Auto Liability Property Damage 2.29% $3,457,179 $2,052,839 $0 $1,130,007 $1,552,874 $0 137.42%
2022 Commercial Auto Medical Payments 3.21% $229,463 $132,589 $0 $31,888 $52,382 $0 164.27%
2022 Commercial Auto Uninsured Motorists 3.88% $1,460,359 $831,388 $0 $380,000 $1,064,484 $0 280.13%
2022 Commercial Auto Comprehensive 3.06% $3,803,234 $2,548,102 $0 $1,928,059 $2,245,317 $0 116.45%
2022 Commercial Auto Collision 2.35% $4,283,220 $2,451,070 $0 $1,623,007 $1,922,695 $0 118.46%
2022 Fidelity 0.21% $55,418 $56,418 $0 $0 $-3,354 $0 0%
2022 Surety 0.27% $278,172 $314,959 $0 $-8,040 $79,032 $0 0%
2022 Glass 60.01% $923 $861 $0 $0 $38 $0 0%
2022 Burglary & Theft 0.05% $3,886 $4,426 $0 $0 $-2,887 $0 0%
2022 Umbrella 3.62% $3,427,746 $3,126,333 $0 $350,000 $762,744 $0 217.93%
2022 National Flood Insurance Program 7.91% $1,179,369 $1,215,459 $0 $573,949 $537,049 $0 93.57%
2021 Total Property & Casualty 0.94% $124,775,525 $117,851,938 $0 $50,051,047 $56,675,095 $0 113.23%
2021 Total Fire & Allied Lines 0.95% $6,288,346 $5,748,873 $0 $3,286,784 $3,590,281 $0 109.23%
2021 Dwelling Fire & Allied Lines 2.59% $3,760,923 $3,726,630 $0 $1,417,133 $1,501,603 $0 105.96%
2021 Commercial Fire & Allied Lines 0.22% $729,434 $590,199 $0 $1,176,792 $1,275,454 $0 108.38%
2021 Farm Fire & Allied Lines 0.99% $1,797,989 $1,432,044 $0 $692,859 $813,224 $0 117.37%
2021 Farmowners Multi-Peril 0% $-500 $-567 $0 $0 $0 $0 0%
2021 Total Homeowners 1.68% $41,335,595 $40,447,929 $0 $17,232,753 $17,709,576 $0 102.77%
2021 Homeowners Multi-Peril 1.75% $41,335,595 $40,447,929 $0 $17,232,753 $17,709,576 $0 102.77%
2021 Commercial Multi-Peril 1.11% $10,253,074 $9,209,643 $0 $4,358,826 $4,664,749 $0 107.02%
2021 Inland Marine (Incl Auto Cargo) 0.5% $2,322,386 $2,172,356 $0 $1,247,773 $1,328,507 $0 106.47%
2021 Earthquake 0.91% $1,185,465 $1,206,824 $0 $0 $0 $0 0%
2021 Direct Workers Compensation 0.23% $2,257,087 $2,188,033 $0 $1,091,526 $-228,762 $0 -20.96%
2021 Other Liability - Bodily Injury & Property Damage 0.24% $1,928,556 $1,765,880 $0 $145,870 $513,359 $0 351.93%
2021 Total Private Passenger Automobile 1.07% $47,574,585 $43,875,842 $0 $19,459,358 $25,010,913 $0 128.53%
2021 Private Passenger Auto Liability Bodily Injury 1.01% $11,821,764 $11,016,859 $0 $2,080,571 $5,627,413 $0 270.47%
2021 Private Passenger Auto Liability Property Damage 1.01% $8,091,661 $7,453,629 $0 $4,261,486 $5,146,694 $0 120.77%
2021 Private Passenger Auto Medical Payments 1.15% $1,047,372 $964,259 $0 $380,571 $386,251 $0 101.49%
2021 Private Passenger Uninsured Motorists 1.99% $4,584,145 $4,273,564 $0 $407,545 $1,159,539 $0 284.52%
2021 Private Passenger Auto Comprehensive 1.13% $9,749,687 $8,921,107 $0 $4,796,566 $5,045,465 $0 105.19%
2021 Private Passenger Auto Collision 1.03% $12,279,956 $11,246,424 $0 $7,532,619 $7,645,551 $0 101.5%
2021 Total Commercial Automobile 0.79% $7,088,901 $6,913,694 $0 $3,592,897 $4,247,738 $0 118.23%
2021 Commercial Auto Liability Bodily Injury 0.66% $3,051,435 $2,998,805 $0 $2,026,541 $2,317,782 $0 114.37%
2021 Commercial Auto Liability Property Damage 0.72% $951,556 $965,806 $0 $394,523 $500,463 $0 126.85%
2021 Commercial Auto Medical Payments 0.91% $60,633 $56,791 $0 $4,818 $11,749 $0 243.86%
2021 Commercial Auto Uninsured Motorists 1.22% $360,096 $341,619 $0 $12,000 $331,849 $0 0%
2021 Commercial Auto Comprehensive 1.57% $1,595,612 $1,502,732 $0 $354,033 $363,935 $0 102.8%
2021 Commercial Auto Collision 0.62% $1,069,569 $1,047,941 $0 $800,982 $721,960 $0 90.13%
2021 Fidelity 0.23% $59,073 $60,499 $0 $0 $48,411 $0 0%
2021 Surety 0.31% $313,083 $283,494 $0 $160,903 $-8,857 $0 -5.5%
2021 Glass 56.4% $709 $589 $0 $0 $4 $0 0%
2021 Burglary & Theft 0.08% $5,727 $6,128 $0 $0 $2,896 $0 0%
2021 Umbrella 3.67% $2,903,551 $2,723,546 $0 $-650,000 $-313,251 $0 48.19%
2021 National Flood Insurance Program 7.39% $1,259,887 $1,249,175 $0 $124,357 $109,531 $0 88.08%

Complaint Index

Link to Consumer Complaint Index Page
Year Line Market Share Number of Complaints Complaint Index
2025 Private Passenger Auto 1.65% 41 112
2025 Homeowners 2.64% 43 65
2024 Private Passenger Auto 1.54% 32 118
2024 Homeowners 2.22% 17 57
2023 Private Passenger Auto 1.31% 26 115
2023 Homeowners 1.86% 17 74
2022 Private Passenger Auto 1.01% 14 92
2022 Homeowners 1.65% 14 88
2021 Private Passenger Auto 0.67% 5 49
2021 Homeowners 1.64% 19 131

Company Changes

This company does not have any company changes.

Market Regulation Actions

Date:
2015-01-06
Date:
2007-08-06

Financial Exams

This company does not have any financial exams.