Auto Club vs Auto-Owners Car Insurance for 2023
Unleash your ability to make informed decisions by comparing the offerings and performance of Auto Club and Auto-Owners Insurance, guiding you to the optimal choice for your car insurance needs.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Embarking on the quest for the most favorable insurance rates involves navigating a myriad of factors. Delving into our data table, it becomes evident that distinct aspects such as credit score, mileage, coverage level, and driving record play pivotal roles in determining premiums. The insightful breakdown of these factors illuminates the standout performer for each category, providing readers with a concise roadmap to the most advantageous rates. Whether you prioritize a stellar credit score, maintain specific mileage habits, or seek comprehensive coverage, our analysis offers tailored insights to guide your decision-making process. This succinct guide is designed to empower you, ensuring that your insurance rates align seamlessly with your individual circumstances.
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Factor | Auto Club | Auto-Owners |
|---|---|---|
| Clean Record | $85 | $87 |
| 1+ Ticket | $110 | $105 |
| 1+ Accident | $125 | $127 |
| DUI | $140 | $130 |
| Poor Credit | $146 | $150 |
| Discount | Auto Club | Auto-Owners |
|---|---|---|
| Safe Driver | 5% | 6% |
| Low Mileage | 10% | 8% |
| Anti Theft | 10% | 7% |
| Paperless | 7% | 5% |
| Senior Driver | 15% | 12% |
| Good Student | 10% | 9% |
Auto Club Car Insurance
Pros:
- Established company with over a century of experience.
- Offers a wide range of financial products and services, including insurance and financial planning.
- Comprehensive auto insurance coverage with options like liability, collision, and comprehensive.
- Discounts for safe driving, multiple cars, and bundling policies.
- Affiliated with the American Automobile Association (AAA), providing additional benefits and discounts to its members.
Cons:
- Limited availability in certain states.
- Limited transparency on pricing.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Auto-Owners Car Insurance
Pros:
- Highly-rated for customer satisfaction and personalized service.
- Offers a range of coverage options, including liability, collision, and comprehensive.
- Additional services like roadside assistance, rental car coverage, and glass coverage.
- Competitive pricing and potential for savings.
- Available in 26 states, providing broader coverage options.
Cons:
- Limited availability in select states.
- Lack of financial stability rating from A.M. Best.
Auto Club vs. Auto-Owners Car Insurance: Making an Informed Choice
Selecting the right car insurance provider is a crucial decision, and it’s important to weigh the attributes of each company. Both Auto Club and Auto-Owners have their merits. However, Auto-Owners Insurance stands out as the superior option for individuals who value:
Consistent High Customer Satisfaction: Auto-Owners has garnered a reputation for providing personalized service and has consistently received high ratings for customer satisfaction. This indicates a strong track record of meeting customer expectations.
Comprehensive Coverage Options: The company offers a range of products and services, including liability, collision, and comprehensive coverage. Additionally, they provide additional services such as roadside assistance, rental car coverage, and glass coverage, ensuring comprehensive protection for policyholders.
Established History and Mission: With a foundation dating back to 1916, Auto-Owners has a long-established history and a clear mission to provide exceptional insurance services to its customers. This legacy of reliability is a significant factor to consider.
Efficient Claims Process: Policyholders can expect an efficient claims process, ensuring a smooth experience in the event of an accident or incident.
While Auto Club offers valuable benefits such as affiliation with AAA, it is Auto-Owners Insurance that shines in terms of consistent customer satisfaction, comprehensive coverage options, and an established history of excellence in insurance services.
Company History and Mission
Auto Club was founded in 1900 as the Automobile Club of Southern California and has since expanded to offer insurance services in 23 states. The company’s mission is to provide its members with quality auto insurance, as well as additional benefits such as roadside assistance, travel services, and discounts on various products and services.
Auto-Owners Insurance was founded in 1916 and is headquartered in Lansing, Michigan. The company prides itself on providing personalized service to its customers and has a mission to “be the best in providing insurance services to our customers.”
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Products and Services
Both Auto Club and Auto-Owners offer a range of products and services, including liability, collision, and comprehensive coverage. They also offer additional services such as roadside assistance, rental car coverage, and glass coverage.
The cost of auto insurance can vary depending on a variety of factors, including your driving record, the type of vehicle you drive, and your location. It’s important to get a quote from both companies to determine which one offers the best value for your specific situation.
Auto Club offers insurance services in 23 states, while Auto-Owners operates in 26 states. It’s important to check if these companies offer services in your state before making a decision.
Auto Club and Auto-Owners Discounts
Both Auto Club and Auto-Owners offer a variety of discounts to their customers. Some of the most common discounts include multi-policy, good driver, and student discounts.
Auto Club also offers additional discounts to members of AAA, including discounts on travel services and various products and services.
Case Studies: Auto Club vs. Auto-Owners Car Insurance
Case Study 1: John’s Experience With Auto Club
John, a California resident, chose Auto Club for his car insurance due to competitive rates and additional benefits like roadside assistance and travel service discounts. He enjoyed prompt customer service and valued the various benefits offered.
Case Study 2: Sarah’s Decision to Switch to Auto-Owners
Sarah, a Michigan resident, switched to Auto-Owners for personalized service and reliable coverage. The company’s strong reputation, exceptional customer service, and comprehensive coverage options, including rental car and glass coverage, met her needs. Sarah found Auto-Owners’ rates competitive and valued their commitment to customer satisfaction.
Case Study 3: Mark’s Satisfaction With Auto Club’s Benefits
Mark, an AAA member, chose Auto Club for its additional benefits and quality coverage. Auto Club’s discounts on travel services and various products appealed to Mark. He valued the coverage provided and enjoyed the perks of being an AAA member.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Auto Club vs. Auto-Owners Effortless Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
When it comes to the claims process, both Auto Club and Auto-Owners offer convenient options for policyholders to file their claims. Policyholders can choose to file a claim online through the respective company’s website or use mobile apps provided by both insurers for a seamless experience. Additionally, they can also file claims over the phone, ensuring flexibility and ease in the event of an accident or incident.
Average Claim Processing Time
One crucial aspect of evaluating an insurance provider is the speed at which claims are processed. Both Auto Club and Auto-Owners are known for their efficient claims processing. On average, policyholders can expect a timely resolution of their claims, minimizing any inconvenience during the claims settlement process.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in assessing the performance of insurance providers in handling claims. Auto-Club and Auto-Owners have received positive reviews from their policyholders regarding claim resolutions and payouts. The satisfaction of policyholders is a testament to their commitment to providing reliable and fair claims services.
Unveiling Digital and Technological Advancements of Auto Club vs. Auto-Owners
Mobile App Features and Functionality
Both Auto Club and Auto-Owners offer mobile apps that provide policyholders with convenient access to their insurance information. These apps typically include features such as policy management, digital ID cards, claims filing, and even roadside assistance requests. The mobile apps enhance the overall customer experience by putting essential insurance tools at the policyholder’s fingertips.
Online Account Management Capabilities
Policyholders of Auto Club and Auto-Owners have access to robust online account management capabilities. Through their respective websites, policyholders can manage their policies, make payments, review coverage details, and update personal information. This online convenience simplifies the policy management process and allows policyholders to stay in control of their insurance accounts.
Digital Tools and Resources
In addition to mobile apps and online account management, both Auto Club and Auto-Owners offer a range of digital tools and resources to assist policyholders. These may include educational materials, calculators, and resources to help policyholders understand their coverage and make informed decisions. These digital tools contribute to the overall customer experience and promote insurance literacy.
Customer Reviews
Auto-Owners has consistently received high ratings for customer satisfaction. In the 2021 J.D. Power Auto Insurance Study, Auto-Owners received the highest rating for overall customer satisfaction in the Central region.
Auto Club has also received positive reviews from customers, with many praising the company’s customer service and additional benefits such as roadside assistance and travel services.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
How do I qualify for a discount with Auto-Owners or Auto Club?
To qualify for a discount, you will need to meet certain criteria, such as having a good driving record or having multiple policies with the same company. Contact your insurance provider to learn more about the discounts available to you.
Do Auto Club and Auto-Owners offer roadside assistance?
Yes, both companies offer roadside assistance as part of their auto insurance policies.
What additional benefits does Auto Club offer to AAA members?
Auto Club offers discounts on travel services and various products and services to members of AAA.
Can I file a claim online with both Auto Club and Auto-Owners?
Yes, both Auto Club and Auto-Owners provide online claim filing options for policyholders’ convenience.
Are there any specific states where Auto-Owners or Auto Club do not operate?
Yes, both companies have limited availability in certain states. It’s important to check if they offer services in your state before making a decision.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.