Auto-Owners Insurance Insurance in California

Auto-Owners Insurance, founded in 1916 and headquartered in Lansing, Michigan, offers auto, home, renters, life, umbrella, commercial, boat insurance. Auto-Owners Insurance is a Michigan-based Fortune 500 mutual insurer operating in 26 states. It sells auto, home, life, and business coverage only through independent agents and earns top marks for claims satisfaction and financial strength.

In California, drivers are required to carry minimum auto liability coverage of 15/30/5. California has low auto minimums but high average rates. Home insurance is heavily impacted by wildfire risk — many carriers have restricted coverage in fire-prone areas. The average auto insurance rate in California is $2,291 per year, though your actual rate with Auto-Owners Insurance may be higher or lower depending on your driving record, vehicle, and coverage level.

Auto-Owners Insurance is especially well-suited for claims satisfaction, bundling, working with an agent. Comparing Auto-Owners Insurance alongside other carriers through Truvo helps ensure you get the best rate available in California, whether you need basic liability or full coverage.

California also faces elevated wildfire and earthquake exposure, which affects how carriers price coverage here. When evaluating Auto-Owners Insurance in California, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.