How Do You Contact Auto-Owners Insurance Customer Service?

Last Updated on October 7, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 5, 2026 How we fact-check

Auto-Owners Insurance is a Lansing, Michigan-based mutual insurer founded in 1916. The company writes business through a network of local independent agents and operates in 26 states.

If you need help with your policy, billing, or a claim, the fastest route is usually your local agent. Auto-Owners has no retail storefront, and its main listed number is a corporate line that routes by extension, so for an auto policy there is a better number to call. Here are the ones it prints on its own pages. (Hours and phone menus can change, especially around holidays—when in doubt, check the company’s Contact Us page.)

  1. Start With Your Agent: Auto-Owners is built around independent agents, and most policy service requests are handled fastest at the agency level.
  2. Know the Right Phone Number: Billing, after-hours claims and roadside each have their own line, and 800-346-0346 is the general Contact Us number, which routes by extension. Pick the number by what you need.
  3. Roadside Help Is Coverage-Based: The 24/7 roadside hotline is typically for policyholders who added Road Trouble Service to their policy.
  4. Document Before You Call: Having your policy number, VIN, and incident details ready can speed up both customer service and claims handling.
Table Of Contents
  1. Auto-Owners Insurance Contact Information
  2. Does Auto-Owners Insurance Have 24/7 Customer Service?
  3. What Are Auto-Owners Insurance’s Customer Service Hours?
  4. How Do You File a Claim With Auto-Owners?
  5. How Do You Get Roadside Assistance?
  6. How Do You Get a Quote?
  7. Does Auto-Owners Customer Service Have Good Reviews?
  8. Final Word
  9. FAQs on Auto-Owners Customer Service
  10. Sources

Auto-Owners Insurance Contact Information

Reason You’re CallingBest Contact OptionDetails
Billing and policy service (auto and home)1-800-288-8740Mon–Fri 8:00 a.m.–6:00 p.m. ET. This is the property and casualty line Auto-Owners publishes.
General Contact Us number800-346-0346Mon–Fri 8:00 a.m.–4:30 p.m. EST, closed weekends, as published on Auto-Owners’ Contact Us page. It routes by extension (ext. 51860 is life and health billing).
Pay a life or health bill by phone1-888-970-0415Automated bill-payment system. Auto-Owners lists it under life and health, not under auto and home.
Corporate office (mail)6101 Anacapri Blvd., Lansing, MI 48917The only address Auto-Owners prints on its Contact Us page. Claim paperwork goes to the address your adjuster gives you.
Find your local agentAgent locatorPolicy changes, questions, and most service requests start here.
Report a claim (after hours)1-888-252-4626If your agent is unavailable, you can call to report a claim. Flood claims have their own line, 1-800-233-1131.
Roadside assistance (if you have coverage)1-888-869-264224/7 Road Trouble Service line.
Online contact formContact Us formAuto-Owners doesn’t publish a reply time for the form, so use the phone if your question is urgent.
Fax517-323-8796The fax on Auto-Owners’ Contact Us page. For claim paperwork, ask your adjuster where to send it instead.

Quick tip: Before you call, grab your policy number, the insured vehicle/VIN (if relevant), and the date/time of the issue. You’ll get routed faster and avoid repeat calls.

Does Auto-Owners Insurance Have 24/7 Customer Service?

No. The billing and service lines run on weekday business hours. What does run around the clock is after-hours claim reporting at 1-888-252-4626 and the Road Trouble Service line at 1-888-869-2642, and the roadside line is only useful if you carry that coverage.

What Are Auto-Owners Insurance’s Customer Service Hours?

Auto-Owners publishes 8:00 a.m. to 6:00 p.m. Eastern, Monday to Friday, for its property and casualty billing representatives, which covers auto and home. The 8:00 a.m. to 4:30 p.m. Eastern window belongs to the main corporate line, 800-346-0346, and to its life and health extension. So if you are calling about a car policy, 1-800-288-8740 buys you an extra hour and a half at the end of the day. Neither line is open on Saturday or Sunday. Your local agent keeps their own hours.

How Do You File a Claim With Auto-Owners?

Auto-Owners generally prefers that you start with your local agent, who can help you document the loss, explain next steps, and begin the claim. If your agent is unavailable, you can report a claim through Auto-Owners directly (including after hours) at 1-888-252-4626, or through its report a claim page. Flood claims go to a separate line, 1-800-233-1131, when your agent isn’t available.

To avoid delays, follow a consistent process when documenting the incident. Here’s a step-by-step guide: the proper way to file an insurance claim after an accident.

How Do You Get Roadside Assistance?

If you carry Road Trouble Service (roadside assistance) on your Auto-Owners policy, you can call the hotline at 1-888-869-2642, which Auto-Owners lists as 24 hours a day, seven days a week. The rep verifies your coverage and then finds you a tow truck. Auto-Owners lists lockouts, jump-starts, flat tires, towing, running out of gas or oil, and accidents. There is also a second route most people miss: you can call your own towing company for towing, a jump-start, a tire change or fuel delivery and ask Auto-Owners to reimburse you up to your policy limits.

For a deeper explanation of how roadside assistance works (and when it’s worth adding), see: all about emergency roadside assistance coverage.

How Do You Get a Quote?

Auto-Owners typically sells policies through independent agents, so quotes usually start with your local agent. Use the official agent finder to locate an agency near you: Auto-Owners agency locator. It searches by agency name or by address. There is no way to buy an Auto-Owners policy online, and Road Trouble Service has to be added through an agent too.

Does Auto-Owners Customer Service Have Good Reviews?

Hard numbers are thin here. J.D. Power’s free releases name only the regional winners in its auto insurance study and the top three in its claims study, so neither gives Auto-Owners a published score. Auto-Owners is not among the 2026 regional winners. With an agent-sold company, the agency you pick does a lot of the work that other insurers handle in a call center, so two Auto-Owners customers in different towns can have very different experiences.

If you want to compare options in a competitive market, see our guide to Florida car insurance. You can also compare how other carriers stack up, like National General and Farmers.

Final Word

For most policy service needs, start with your local independent agent. If you need to contact Auto-Owners directly, billing and policy service for an auto policy is 1-800-288-8740 on weekdays, after-hours claim reporting is 1-888-252-4626, and roadside assistance (with coverage) is 1-888-869-2642 around the clock. My advice is to put your agent’s direct number in your phone the day you buy the policy, because with Auto-Owners that one number saves you more time than any of the toll-free lines.

FAQs on Auto-Owners Customer Service

Sources

Checked October 5, 2026