Auto-Owners Car Insurance Rate Comparison for Good Drivers

Auto-Owners Insurance has slightly-better-than-average car insurance rates for good drivers compared to top competitors. Geico and State Farm both fare better for average rates for good drivers, but Auto-Owners beat out Progressive, Allstate and Farmers.

Insurance companies like good drivers because they are less likely to file auto insurance claims. Still, you can save by shopping around for car insurance at policy renewal time to see if you can find a better rate.

Auto-Owners Car Insurance Rate Comparison for Drivers With a Speeding Ticket

Your car insurance rates typically increase following a speeding ticket. But how much the rate increases depends on your insurer. Compared to its top competitors, Auto-Owners is in the middle of the pack. Auto-Owners’ average rate for a driver with a speeding ticket is $445 more than Geico’s, which had the cheapest average rate among large insurers we analyzed.

Auto-Owners Car Insurance Rate Comparison for Drivers Who Caused an Accident With an Injury

Average insurance rates for drivers who caused an accident that injured someone else vary widely. Auto-Owners is on the lower end of average rates, but Geico and State Farm are cheaper. Following an auto insurance claim, such as an accident, you may want to get quotes from multiple insurance companies to see if you can find a better rate.

Auto-Owners Car Insurance Rate Comparison for Drivers With a DUI

A DUI conviction can cause your car insurance rates to increase by more than $1,000. Auto-Owners’ average rate for a driver with a DUI is nearly $3,000, or $1,392 more than its rates for folks with a clean record.

If you’re convicted of a DUI, compare quotes from multiple car insurance companies because some insurers hike rates less than others for high-risk drivers. Make sure that State Farm is one of those insurers. State Farm has the lowest average rate for drivers with a DUI, among large companies we analyzed.

Auto-Owners Car Insurance Rate Comparison for Drivers With Poor Credit

Having poor credit can mean higher rates than even having a DUI or causing a car crash. Auto-Owners charges more than $4,000 on average for drivers with poor credit.

Insurance companies believe that drivers with bad credit are more likely to file claims, which means more money spent by insurers. Hence, the higher rates.

Not all insurance companies factor in a person’s credit to the same degree, so get quotes from multiple insurers if you have poor credit. (California, Hawaii, Massachusetts and Michigan don’t allow the practice.) Geico, which has the lowest average rates for people with bad credit among top companies, is a good place to start.

Auto-Owners Car Insurance Rate Comparison for Adding a Teen Driver

You can expect to pay at least $1,000 more for car insurance if you add a teen to your policy. And some insurers—like Auto-Owners—will charge you even more. Auto-Owners charges on average more for adding a teen to a policy than top competitors.

If you’ve got a teen driver, check with other insurers like State Farm and Geico to see if you can get a better rate. Also, inquire about good student discounts and think about increasing your deductible, which can offset some of the rate increase.

Auto-Owners Car Insurance Rate Comparison for Young Drivers Ages 18 to 25

Auto-Owners is middle-of-the-road when it comes to car insurance rates for drivers between ages 18 and 25. Young adults pay higher insurance rates than people a decade or two older. The higher rates are connected to a young person’s limited driving experience and their propensity for taking more risks than older drivers.

As you can see from the averages, there’s a huge difference between the insurer with the highest average rate (Farmers at $3,876) and the one with the lowest (Geico at $1,783). If you’re a young driver and looking to buy your own policy, get quotes from insurance companies like Geico. You may find that you can save $1,000 or more by choosing a lower-cost option.

Auto-Owners Car Insurance Rate Comparison for Senior Drivers Age 65+

Auto-Owners has competitive rates for senior drivers. Drivers age 65 and over with Auto-Owners coverage pay more on average than those with Geico or State Farm policies. Still, Auto-Owners’ average rate is hundreds of dollars less than rates from Progressive, Allstate and Farmers.

Insurance companies usually consider senior drivers to be more of a risk than motorists in their middle years, so they charge more. Senior drivers should make sure they’re maximizing potential car insurance discounts, such as bundling, multi-policy, homeowner, defensive driving and low-mileage discounts. Getting those discounts can reduce the cost to insure your vehicle.