Company contacts · Updated September 2026
Auto-Owners Insurance Customer Service, Claims, and Bill Pay Contacts
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Auto-Owners Insurance customer service information can help you reach the company for claims, billing, and general support. Use the official phone numbers and links below to report certain claims, pay an auto, home, or business policy bill, or contact the company when your independent agent is unavailable.
This page covers Auto-Owners Insurance claim reporting, billing and payment options, customer service contacts, and company details. It also explains the agent-first claim process and available online options. Phone numbers, claim routes, and service details can vary by policy, state, and the type of request.
Reviewed by Blake Nwosu, owner and principal agent, Blake Insurance Group LLC · Updated September 2026
Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.
Contact directory
Auto-Owners Insurance phone numbers and official links
Start with the table below. Each row shows a phone number or official link we found on Auto-Owners Insurance's own website, plus what it's for. Tap a number to call from your phone.
| What you need | How to reach Auto-Owners Insurance | Notes |
|---|---|---|
| Report a claim | 1-888-252-4626 Report a claim online (external site) | Call after hours or when your agent is unavailable. |
| Flood claims | 1-800-233-1131 Submit a flood claim online (external site) | Use this number or online form when your agent is unavailable. |
| Pay your bill | 1-800-288-8740 Pay your bill online (external site) | For auto, home, and business policies. |
| Customer service | 1-800-346-0346 Visit the official website (external site) | For general customer service. |
| Payment by mail | See your policy documents | Mail payments to Auto-Owners Insurance Company, P.O. Box 740312. |
Common reasons to contact Auto-Owners Insurance
- Report a crash, theft, vandalism, or glass damage
- Ask for a tow or roadside help, if your policy includes it
- Make a payment, change a due date, or set up autopay
- Add or remove a driver or vehicle
- Request ID cards or proof of insurance
- Update a lienholder or your garaging address
Tips for a faster call
Have your Auto-Owners Insurance policy number and the named insured's details ready before you call. Write down the date, the name of the person you speak with, and any reference or claim number they give you. If you're calling about a claim, ask what the next step is, how long it usually takes, and how you'll get updates. If you're calling about a bill, ask for the amount due, the due date, and whether your last payment has posted.
If you'd rather not wait on hold, check whether Auto-Owners Insurance offers the same service online or in an app. Many policy changes, ID card requests, and payments can be handled without a call.
The number on your Auto-Owners Insurance ID card, declarations page, or billing statement is the most reliable one for your policy. If a number here doesn't reach the right team, call us at (888) 387-3687 and we'll help you find it.
Claims
How to file and track a Auto-Owners Insurance claim
Start a claim by contacting your local, independent Auto-Owners agent. The company’s claims page says agents are the primary claim contact. If your agent is unavailable, call 1-888-252-4626. The claims operation has branches in 26 states and more than 100 claim offices. Before you call, have your policy number, loss date, location, and a brief description of what happened ready.
Online claim options are available for glass and flood claims. You can file a glass claim online through the company’s claims page. For a flood claim, use auto-owners.managemyfloodpolicy.com or call 1-800-233-1131 when your agent is unavailable. Keep photos, receipts, estimates, and any claim reference information with your policy records. Your agent can help with claim updates and next steps.
Before you report a claim
- Stay safe first. If anyone is hurt, call 911. If your car is drivable and it's safe, move it out of traffic.
- Collect the details. The NAIC suggests getting the other driver's name, address, and insurance company, the other car's make, model, year, and plate, witness contact information, and the officer's name and badge number.
- Note the time and place. Write down the date, time, and exact location, and take photos of the vehicles and the scene.
- Report it promptly. The NAIC advises calling the number on your proof-of-insurance card as soon as you can. Many companies also take claims in their app.
- Keep a claim file. Save your claim number, your adjuster's name, estimates, receipts, and notes from every call.
What happens after you file
After you report a claim, Auto-Owners Insurance assigns an adjuster who reviews the facts, your coverage, and the damage. The NAIC recommends cooperating with the adjuster and asking questions if anything is unclear. Your deductible is usually subtracted from a covered payment, and if you have a car loan, the check may be made out to you and your lender.
If you disagree with a decision, ask for a written explanation and try to resolve it with Auto-Owners Insurance first. If that doesn't work, you can contact your state insurance department. In Arizona, that's the Department of Insurance and Financial Institutions.
Billing
How to pay your Auto-Owners Insurance bill
Auto-Owners says policyholders can pay online, by phone, or by mail. Use the official bill-pay page or call 1-800-288-8740 for auto, home, and business policies. For billing questions, the company directs customers to their local, independent agent. Have your policy number and billing statement available, and save the confirmation after making an online or phone payment.
The payment page lists Auto-Owners Insurance Company, P.O. Box 740312, as the pay-by-mail address. Follow the payment instructions on your current billing statement, include your policy information, and allow time for mailing and processing. A separate phone number is listed for mortgage billing and coverage: 1-855-229-5303.
Whichever method you choose, save your billing statements and payment confirmations until the policy term ends. If you change banks or cards, update your payment details with Auto-Owners Insurance before the next draft date so a payment doesn't fail.
Tips for paying safely
- Use official channels only. Pay through Auto-Owners Insurance's website, app, or the number on your statement, or through your agent.
- Check the web address before you enter card or bank details, and be wary of payment links sent by text or email.
- Keep your confirmation number for every payment.
- Ask about autopay or paid-in-full options. Some companies offer them.
- Act quickly on a late notice. Grace periods vary by company and state, and a missed payment can lead to cancellation.
Company background
About Auto-Owners Insurance
Auto-Owners Insurance began in 1916 and is headquartered in Lansing, Michigan. The company says Auto-Owners Insurance Group is represented by 48,000 licensed agents in 26 states. It employs more than 6,100 associates. Auto-Owners Life Insurance Company was established in 1966.
The company offers life, home, auto, and business insurance, including property and casualty products. Its stated regional companies operate across portions of the 26-state market. The company also lists Concord Group Insurance Companies in Maine, Massachusetts, New Hampshire, and Vermont, and says it began an affiliation with the Concord General Mutual Insurance group of companies in April 2017.
| Founded | 1916 |
|---|---|
| Headquarters | Lansing, Michigan |
| Affiliation | Affiliated with the Concord General Mutual Insurance group of companies since April 2017 |
| Products | Life, home, auto, and business insurance; property and casualty products |
| Where it operates | Represented by 48,000 licensed agents in 26 states |
Your agent
How Blake Insurance Group can help Auto-Owners Insurance customers
We're an independent agency, so we can help you prepare for a call with Auto-Owners Insurance, explain what your auto policy covers, and follow up if a claim or billing issue stalls. Auto-Owners Insurance makes claim decisions and issues payments, but we can help you get a clear answer.
A claim is also a good time to check for gaps. Many drivers find out after an accident that their liability limits are low or that they don't have rental reimbursement or roadside help. Learn more about roadside assistance coverage, compare auto insurance options, or read about SR-22 insurance if your state requires a filing.
Take the next step
Need help reaching Auto-Owners Insurance?
Call us and have this ready so we can help quickly.
- Your Auto-Owners Insurance policy number.
- Your claim number, if you've already reported the claim.
- The date and a short description of what happened.
- Your most recent billing statement, if the question is about a payment.
- The best phone number and time to reach you.
Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.
Common questions
Frequently asked questions
How do I file an Auto-Owners Insurance claim?
Contact your local, independent Auto-Owners agent first. If the agent is unavailable, call 1-888-252-4626. The company also states that glass claims can be filed online. Have your policy number and loss details ready.
How do I file an Auto-Owners flood claim?
If your independent agent is unavailable, submit a flood claim at auto-owners.managemyfloodpolicy.com or call 1-800-233-1131. Have your policy number, property address, loss date, and damage details ready.
How can I pay my Auto-Owners bill?
Auto-Owners says customers can pay online, by phone, or by mail. For auto, home, and business policies, use the bill-pay page or call 1-800-288-8740. Keep the payment confirmation or mailing record for your files.
Where can I mail an Auto-Owners payment?
Mail payments to Auto-Owners Insurance Company, P.O. Box 740312. Follow the instructions on your current billing statement and include your policy information.
Does Auto-Owners offer roadside assistance?
The claims page references “Road Trouble Service.” Contact Auto-Owners or your independent agent to confirm whether it is included with your policy and to get coverage details, the applicable phone number, and service guidance.
Should I call Auto-Owners Insurance or my agent to report a claim?
Report claims directly to Auto-Owners Insurance, because the company handles claims and usually has the fastest route. If your policy is with Blake Insurance Group, you can also call us for help preparing or following up.
Where do I find the right Auto-Owners Insurance number for my policy?
Check your insurance ID card, declarations page, or billing statement. Those documents show the numbers tied to your policy and state, and they're more reliable than any general list.
Keep researching
Related guides and official sources
These Blake Insurance Group pages can help with related questions.
We checked the contact details on this page against Auto-Owners Insurance's websites and these consumer sources in September 2026:
- Auto-Owners Insurance: History (external site)
- Auto-Owners Insurance: Who we are (external site)
- Auto-Owners Insurance: Report a claim (external site)
- Auto-Owners Insurance: Pay your bill (external site)
- NAIC: What you should know about filing an auto claim (external site)
- NAIC: Insurance fraud (external site)
- NAIC: Consumer resources and state insurance departments (external site)
Contact information disclosure: Blake Insurance Group LLC is an independent insurance agency. We are not Auto-Owners Insurance, and this page is not operated by or affiliated with Auto-Owners Insurance. We gathered the phone numbers and links on this page from Auto-Owners Insurance's own public websites in September 2026 so policyholders can reach the company quickly. Numbers, hours, and options can change and can differ by state, product, and policy, so confirm them on your policy documents. Claims decisions, payments, and billing are handled by the insurance company under your policy. Company names are used for identification only, and links to other websites are provided for convenience. Your policy documents control your coverage.
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