How Do You Contact Auto-Owners Insurance Customer Service?
Last Updated on February 5, 2026
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. But you can also contact Auto-Owners directly using the options below. (Hours and phone menus can change, especially around holidays—when in doubt, check the company’s Contact Us page.)
- Start With Your Agent: Auto-Owners is built around independent agents, and most policy service requests are handled fastest at the agency level.
- Know the Right Phone Number: General customer service and after-hours claim reporting use different lines, so choose the number based on what you need.
- Roadside Help Is Coverage-Based: The 24/7 roadside hotline is typically for policyholders who added Road Trouble Service to their policy.
- Document Before You Call: Having your policy number, VIN, and incident details ready can speed up both customer service and claims handling.
- Auto-Owners Insurance Contact Information
- Does Auto-Owners Insurance Have 24/7 Customer Service?
- What Are Auto-Owners Insurance’s Customer Service Hours?
- How Do You File a Claim With Auto-Owners?
- How Do You Get Roadside Assistance?
- How Do You Get a Quote?
- Does Auto-Owners Customer Service Have Good Reviews?
- Final Word
- FAQs on Auto-Owners Customer Service
Auto-Owners Insurance Contact Information
| Reason You’re Calling | Best Contact Option | Details |
|---|---|---|
| General customer service | 800-346-0346 | Mon–Fri, 8:00 a.m.–4:30 p.m. ET (closed weekends). |
| Find your local agent | Agent locator | Policy changes, questions, and most service requests start here. |
| Report a claim (after hours) | 1-888-252-4626 | If your agent is unavailable, you can call to report a claim. |
| Roadside assistance (if you have coverage) | 1-888-869-2642 | 24/7 Road Trouble Service line. |
| Online contact form | Contact Us form | Send a message anytime; responses typically happen during business hours. |
| Fax | 517-323-8796 | Helpful for sending documents when requested. |
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?
Not usually. Auto-Owners’ main customer service phone line is generally staffed during weekday business hours. However, the company does provide after-hours claim reporting and a 24/7 roadside assistance hotline for policyholders who carry Road Trouble Service coverage.
What Are Auto-Owners Insurance’s Customer Service Hours?
Auto-Owners’ general customer service hours are typically Monday through Friday, 8:00 a.m. to 4:30 p.m. Eastern Time, and closed on Saturday and Sunday. Your local agent’s hours may differ.
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 via the company’s claim reporting page.
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 24/7 hotline at 1-888-869-2642. Roadside assistance commonly includes things like towing, jump-starts, flat tire help, fuel delivery, and lockout services—coverage details depend on your policy.
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.
Does Auto-Owners Customer Service Have Good Reviews?
Customer experience can vary by region, claim type, and local agency support. Industry studies like J.D. Power’s auto insurance and claims satisfaction research provide regional benchmarks, but they don’t tell the whole story for every driver.
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, the main customer service line is 800-346-0346 (weekday business hours), after-hours claim reporting is available at 1-888-252-4626, and roadside assistance (with coverage) is available 24/7 at 1-888-869-2642.
