Auto insurance · Updated August 2026
Progressive vs Auto-Owners Insurance
Progressive is built for standard drivers, plus non-standard tiers. Auto-Owners Insurance is built for drivers who buy through independent agents. On the NAIC's 2025 complaint index, Progressive Direct Ins. Co. drew 0.74 and Auto-Owners Ins. Co. drew 0.47, against an industry median of 1.00. AM Best rates Progressive A+ and Auto-Owners Insurance A++. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Dylan Leggett, licensed insurance agent · NPN 17875887
The short answer
Progressive has written auto since 1937 and writes through Progressive group companies. It writes eight lines: auto, home, renters, motorcycle, specialty property, RV, pet, and life. The tradeoffs: it drew 0.74 on the 2025 complaint index against Auto-Owners Insurance's 0.47, and AM Best rates it A+ against Auto-Owners Insurance's A++.
Auto-Owners Insurance has written auto since 1916 and writes through Auto-Owners Insurance Group companies. Auto-Owners Ins. Co. drew 0.47 on the NAIC's 2025 complaint index, 64 complaints on $2.9 billion of private-passenger premium. AM Best rates it A++, the highest grade it issues. The tradeoff: it writes seven lines against Progressive's eight.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
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Side by side
Progressive vs Auto-Owners Insurance: the data sheet
Sources are listed under the measured figures. How we compare
Progressive | Auto-Owners Insurance | |
|---|---|---|
| Built for | Standard drivers, plus non-standard tiers | Drivers who buy through independent agents |
| Who underwrites it | Progressive group companies | Auto-Owners Insurance Group companies |
| Complaints per policyAuto-Owners Insurance, ahead of Progressive | 0.74 367 complaints on $10.4B written | 0.47 64 complaints on $2.9B written |
NAIC complaint index, 2025, private passenger auto · Progressive Direct Ins. Co. vs Auto-Owners Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; Auto-Owners Insurance a step higher | A+ Superior | A++ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyProgressive, if you want to bundle | 8 lines auto, home, renters, motorcycle, specialty property, rv, pet, life | 7 lines auto, home, renters, life, umbrella, commercial, boat |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appEffectively tied | 4.83 804,275 ratings | 4.72 4,335 ratings |
Apple App Store, August 2026 | ||
| Availability | All 50 states and Washington, D.C. | Available in 26 states |
| Known for | Bundling, Name Your Price, usage-based discounts | Independent agents, broad bundling discounts |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Progressive Direct Ins. Co. drew 0.74 and Auto-Owners Ins. Co. drew 0.47, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates Progressive A+ and Auto-Owners Insurance A++. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Progressive policies are written by Progressive group companies. Auto-Owners Insurance policies are written by Auto-Owners Insurance Group companies. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Progressive writes eight lines and Auto-Owners Insurance writes seven lines. Progressive writes auto, home, renters, motorcycle, specialty property, RV, pet, and life. Auto-Owners Insurance writes auto, home, renters, life, umbrella, commercial, and boat. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Progressive or Auto-Owners Insurance?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Availability decides some matchups. Progressive writes in all 50 states and Washington, D.C. Auto-Owners Insurance writes in 26 states. Where only one of them writes in your state, the comparison answers itself.
The bundle decides some comparisons. Both companies write more than one line, so the combined number can settle the comparison rather than the auto number alone. Multi-policy discounts are filed per state.
One application. Real prices from the carriers writing in your state.