generated: '2026-09-18'
method: searched
source: >-
  https://www.auto-owners.com/ and its sitemap (162 URLs across 163 sub-sitemaps, fetched
  2026-09-18). No /pricing, /plans, /developers or /api page exists on any Auto-Owners host:
  https://www.auto-owners.com/developers returns 404 and the apex host redirects every path to the
  home page.
description: >-
  Auto-Owners Insurance publishes no API plans because it sells no API product. It is a mutual
  P&C and life insurer that sells policies exclusively through independent agents; every
  product page on the site ends in "find an agent" (https://www.auto-owners.com/agency-locator),
  and premiums are quoted by the agent, never listed. There is no developer plan, no free tier,
  no metered usage and no key that could be billed.

plan_count: 0
api_plan_count: 0
pricing_model: agent-quoted insurance premiums; no API commercial model
currency: null
free_tier: false
trial: false

plans: []

commercial_entry_points:
  - url: https://www.auto-owners.com/agency-locator
    status: 200
    kind: find-an-independent-agent locator
  - url: https://www.auto-owners.com/about/contact-us/become-an-a-o-agency
    status: 200
    kind: agency appointment request (the only "partner" onboarding on the site)
  - url: https://customercenter.auto-owners.com/cp/sign-up
    status: 200
    kind: policyholder Customer Center enrollment

probes:
  - url: https://www.auto-owners.com/developers
    status: 404
  - url: https://www.auto-owners.com/api
    status: 404
  - url: https://www.auto-owners.com/sitemap.xml
    status: 200
    note: 162 page URLs, none pricing-, plan- or developer-related.

note: >-
  plan_count 0 is the finding, not a gap in this pass. A carrier whose distribution is
  independent agents has no self-serve price list by design; it is recorded so the absence is
  countable rather than mistaken for an unprobed field.