- Estimated $1,570/year (~$131/month) for a standard $300k policy — well below the national average
- NAIC complaint ratio 0.68 (well below industry average); A financial strength
- Availability: 26 states · independent agent required
- Consistently low pricing among A-rated carriers
- Available in only 26 states
About Auto-Owners homeowners insurance
Auto-Owners sells exclusively through independent agents across 26 states and pairs low pricing with high marks for service and stability. There's no online quote — you work with a local independent agent who can also shop other carriers. Where it operates, it's frequently among the cheapest A-rated options.
Who Auto-Owners homeowners insurance is right for
Homeowners in Auto-Owners states who prefer an independent agent and want competitive pricing without going fully digital.
How much does Auto-Owners homeowners insurance cost?
Auto-Owners homeowners insurance averages roughly $1,570/year (about $131/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — well below the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.
Availability: 26 states · independent agent required.
Auto-Owners homeowners insurance pros and cons
Pros
- Consistently low pricing among A-rated carriers
- Excellent financial stability and agent service
- Independent agents can tailor and bundle coverage
Cons
- Available in only 26 states
- Requires an agent — no direct online quote
- Less brand-name recognition than national carriers
Bottom line: In its 26 states, Auto-Owners is one of the best agent-sold values. If you like working with an independent agent, get its quote alongside the direct carriers below.
Auto-Owners’s recent rate filings
The actual rate changes Auto-Owners filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, Auto-Owners filed 5 home rate changes across 5 states, averaging +1.5% and 10 auto rate changes across 6 states, averaging −1.5%. Each row links to the filing in our rate-filings ledger.
| Product | State | Change | Effective | SERFF filing |
|---|---|---|---|---|
| Home | MI | +1.1% | Aug 2026 | #AOIC-134868668 ↗ |
| Home | IL | 0.0% | Mar 2026 | #AOIC-134720541 ↗ |
| Home | VA | +6.7% | Oct 2025 | #AOIC-134474539 ↗ |
| Home | PA | 0.0% | — | #AOIC-134597135 ↗ |
| Home | OH | 0.0% | — | #AOIC-134804388 ↗ |
| Auto | PA | −0.6% | Oct 2026 | #AOIC-134954567 ↗ |
| Auto | MI | +0.1% | Jul 2026 | #AOIC-134796379 ↗ |
| Auto | VA | −3.2% | Jun 2026 | #AOIC-134764711 ↗ |
| Auto | TN | −0.6% | May 2026 | #AOIC-134836495 ↗ |
| Auto | OH | −1.3% | Apr 2026 | #AOIC-134774421 ↗ |
| Auto | OH | −4.7% | Apr 2026 | #AOIC-134774421-2 ↗ |
| Auto | OH | −1.7% | Apr 2026 | #AOIC-134774421-3 ↗ |
| Auto | MI | −0.9% | Mar 2026 | #AOIC-134765723 ↗ |
| Auto | IL | −0.3% | Feb 2026 | #AOIC-134786248 ↗ |
| Auto | IL | −1.5% | Jul 2025 | #AOIC-134571348 ↗ |
Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.
Compare Auto-Owners homeowners rates by state
Frequently asked questions
How much is Auto-Owners homeowners insurance?
Roughly $1,570/year (~$131/month) for a standard $300k-dwelling policy — well below the national average. Your exact price depends on your home, deductible, and claims history.
Is Auto-Owners good for homeowners insurance?
It carries an NAIC complaint ratio of 0.68 (well below industry average) and A financial strength. In its 26 states, Auto-Owners is one of the best agent-sold values. If you like working with an independent agent, get its quote alongside the direct carriers below.
Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare Auto-Owners against other carriers.