Auto-Owners vs Michigan Farm Bureau Car Insurance for 2023
Battle of the Midwest: Comparing Auto-Owners vs Michigan Farm Bureau Car Insurance
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Mar 30, 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: Mar 30, 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.
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When it comes to car insurance, choosing the right provider is crucial. Not only does it protect you in the event of an accident, but it can also save you money in the long run.
Two of the most popular car insurance companies are Auto-Owners car insurance and Michigan Farm Bureau car insurance. Both have a strong reputation in the industry, but which one is right for you?
Auto-Owners:
- Founded in 1916
- Has an A++ rating from AM Best
- Has over 6,500 independent agents across 26 states
Michigan Farm Bureau:
- Founded in 1949
- Offers coverage exclusively to Michigan residents
- Has over 400,000 policyholders
In this article, we’ll compare Auto-Owners vs Michigan Farm Bureau car insurance to help you make an informed decision.
History and Mission
Auto-Owners has been around for over 100 years, providing a wide range of insurance products to customers across the country. The company’s mission is to “provide peace of mind and protection when you need it most.”
Michigan Farm Bureau, on the other hand, has a more localized focus, offering coverage exclusively to residents of Michigan. Its mission is to “serve the needs of Michigan farmers, families, and businesses with quality insurance products and services.”
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Products and Services
As mentioned earlier, both Auto-Owners and Michigan Farm Bureau offer a range of insurance products, including car insurance.
Auto-Owners offers several types of car insurance coverage, including liability coverage, collision coverage, and comprehensive coverage.
Michigan Farm Bureau also offers a range of car insurance coverage options, including liability coverage, collision coverage, and comprehensive coverage.
Both companies offer similar coverage options, but it’s important to note that Michigan Farm Bureau is only available to Michigan residents, while Auto-Owners is available in 26 states across the country.
States Where Coverage is Offered
Auto-Owners provides car insurance coverage in 26 states across the United States. The states where Auto-Owners offers car insurance coverage are:
- Alabama
- Arizona
- Arkansas
- Colorado
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Michigan
- Minnesota
- Missouri
- Nebraska
- North Carolina
- North Dakota
- Ohio
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Utah
- Virginia
- Wisconsin
On the other hand, Michigan Farm Bureau only provides car insurance coverage in the state of Michigan. It’s important to keep in mind that insurance coverage and availability can vary by state, so it’s always a good idea to check with the provider directly to confirm what coverage is available in your area.
Cost of Insurance
The cost of car insurance from Auto-Owners or Michigan Farm Bureau will depend on a number of factors, including the type and amount of coverage you choose, your driving record, the type of car you drive, and where you live.
It’s worth noting that while cost is an important factor when selecting car insurance, it’s not the only factor to consider. It’s also important to evaluate the quality of coverage, customer service, and claims handling when selecting an insurance provider. Ultimately, the best car insurance policy for you will depend on your individual needs and budget.
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Discount Options
Auto-Owners offers a number of discounts to help lower the cost of car insurance for their customers. Here are some of the discounts that are available:
- Multi-policy discount: You can save up to 25% on your car insurance premium if you bundle your car insurance with other policies, such as home insurance, renters insurance, or life insurance.
- Multi-car discount: If you insure two or more cars with Auto-Owners, you may be eligible for a discount on your car insurance premium.
- Good student discount: Full-time students who maintain a “B” average or higher may qualify for a discount on their car insurance premium.
- Safe driver discount: If you have a good driving record with no accidents or violations in the past 3-5 years, you may qualify for a safe driver discount.
- Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your car insurance premium.
Michigan Farm Bureau: Michigan Farm Bureau also offers a range of discounts to help their customers save on car insurance. Here are some of the discounts that are available:
- Multi-vehicle discount: If you insure more than one vehicle with Michigan Farm Bureau, you may qualify for a discount on your car insurance premium.
- Good student discount: Full-time students who maintain a “B” average or higher may qualify for a discount on their car insurance premium.
- Accident-free discount: If you have a good driving record with no accidents or violations in the past 3-5 years, you may qualify for an accident-free discount.
- Defensive driving discount: If you complete an approved defensive driving course, you may be eligible for a discount on your car insurance premium.
- Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your car insurance premium.
It’s important to note that not all discounts may be available in all states, and the specific discounts and eligibility requirements may vary depending on where you live. Be sure to ask your insurance agent about any available discounts when you’re shopping for car insurance.
Customer Feedbacks
It’s important to take a look at customer reviews when evaluating car insurance companies, as they can provide valuable insights into the experiences of other drivers.
Auto-Owners has generally received positive reviews from customers. On the popular consumer review website, Consumer Affairs, Auto-Owners has an average rating of 4.4 out of 5 stars, based on more than 150 customer reviews.
Michigan Farm Bureau also has generally positive reviews from customers. On Consumer Affairs, the company has an average rating of 4.5 out of 5 stars, based on more than 120 customer reviews. Customers frequently mention the company’s friendly and helpful customer service, as well as its competitive pricing.
It’s also a good idea to research other factors, such as coverage options, pricing, and discounts, before making your decision.
Roundup: Auto-Owners vs Michigan Farm Bureau
After comparing Auto-Owners and Michigan Farm Bureau car insurance, it’s clear that both companies offer a range of coverage options and discounts to meet the needs of a variety of drivers. Both companies have been in business for several decades and have a strong presence in their respective states.
It’s important to do your own research and compare quotes from multiple car insurance companies before making a decision. By taking the time to evaluate your options and choose a company that meets your specific needs, you can ensure that you’re getting the best possible coverage and value for your money.
Frequently Asked Questions
What types of coverage does Auto-Owners offer?
Auto-Owners offers a range of coverage options, including liability, collision, comprehensive, personal injury protection, and more. They also offer optional add-ons such as roadside assistance and rental car coverage.
Does Auto-Owners offer any discounts?
Yes, Auto-Owners offers a variety of discounts to help customers save on their premiums. These include discounts for safe driving, multi-car policies, anti-theft devices, and more.
How do I file a claim with Auto-Owners?
To file a claim with Auto-Owners, you can call their claims department at 1-888-252-4626 or submit a claim online through their website.
What types of coverage does Michigan Farm Bureau offer?
Michigan Farm Bureau offers a range of coverage options, including liability, collision, comprehensive, personal injury protection, and more. They also offer optional add-ons such as roadside assistance and rental car coverage.
Does Michigan Farm Bureau offer any discounts?
Yes, Michigan Farm Bureau offers a variety of discounts to help customers save on their premiums. These include discounts for safe driving, multi-car policies, good grades, and more.
How do I file a claim with Michigan Farm Bureau?
To file a claim with Michigan Farm Bureau, you can call their claims department at 1-877-632-1245 or submit a claim online through their website.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
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.