Last updated: September 2026
Auto-Owners Insurance is a Fortune 500 mutual insurer (ranked #241 in 2026, up from #270) with $18.2 billion in revenue, 48,000 independent agents across 26 states, and nearly 3 million policyholders. It has also already posted its summer 2027 internships. As of late August 2026, at least eight tracks are live on Workday: claims, two actuarial roles, predictive modeling, software development, data engineering, life/health underwriting, and life annuities. Auto-Owners accepts applications year-round, so there's no cliff-edge deadline, but seats fill as offers go out.
So what does that mean for you? You apply in fall 2026, you intern from mid-May 2027, and the earlier you're in the queue the more of those eight tracks are still open.
Quick Facts
| Fact | Detail |
|---|---|
| Where to apply | Auto-Owners internship page (routes to the Workday portal) |
| Application window (2027–28) | Summer 2027 roles posted mid-to-late August 2026; applications accepted year-round with no published close date |
| Rolling? | Yes, fully rolling. Auto-Owners says it "accepts applications year-round"; no deadline appears on any live requisition |
| Eligibility | Enrolled sophomores, juniors and seniors with at least two years of coursework; majors vary by track; must be able to work in the US without current or future sponsorship |
| Duration | Mid-May to mid-August 2027 (~13 weeks), 37.5 hrs/week, Mon–Fri; interns choose their own start and end dates. Part-time school-year roles also exist |
| Compensation | $22/hr + bonus opportunity (claims JD); $18/hr (life/health underwriting JD); other tracks not published. 2026 cycle ranged $17–$22/hr |
| Return offers | No conversion rate published. Career-path pages describe entry-level to management progression; Reddit users say it "hires a lot of new grads" |
| Locations | Lansing, MI home office (actuarial, IT, data, accounting, marketing); claims and underwriting across 29 regional offices in 26 states (recent: Lake Elmo and St. Cloud MN, Peoria IL, Columbia SC, Madison WI, Lima OH, Montgomery AL) |
| # Tracks | 8 posted for summer 2027 (claims, actuarial ratemaking, actuarial ratemaking & analytics, predictive modeling, software development, data engineering, life/health underwriting, life annuities); marketing and accounting typically follow |
Summer 2027 applications are OPEN NOW (posted mid-to-late August 2026). Rolling review, no published close date. Claims and underwriting interns can sit in any of 29 regional offices across 26 states; every other track is at the Lansing, Michigan home office. Published pay: $22/hr for claims (plus bonus), $18/hr for life/health underwriting.
Auto-Owners interviews are behavioral and role-specific, and the actuarial and underwriting JDs both ask you to analyze loss experience and project future losses. While your application sits in the rolling queue, build that evidence with the Yinan Zhao Investing & Financial Modeling Externship, which trains the financial modeling that ratemaking and underwriting work rests on. Auto-Owners also sponsors Joe Gibbs Racing in the NASCAR Cup Series, so the NASCAR NY Racing Sports Analytics Externship gives predictive modeling candidates a talking point their interviewer will actually recognize. Both are short remote Externships. Explore all Externships.
What Is an Auto-Owners Insurance Internship?
Auto-Owners doesn't run a branded, single-cohort internship. Instead, each department posts its own requisition, and you apply to specific roles rather than one umbrella program. The internship page lists underwriting, claims, actuarial, IT, marketing, accounting "and more" as hiring departments. Every internship is paid and on-site, with a structured training program, an assigned mentor, and formal and informal training sessions. Interns also get paid holidays and paid time off, which is unusual for a summer role.
And the company behind it is built for the long game. Founded in 1916 and owned by its policyholders rather than shareholders, Auto-Owners has been on the Fortune 500 every year since 2002 and carries an A+ (Superior) rating from AM Best, so the pitch is stability, not speed.
When Do Auto-Owners Insurance Internship Applications Open for 2027–2028?
Auto-Owners posts summer internships roughly nine months ahead of the mid-May start, with most 2027 requisitions appearing in the second half of August 2026.
But there's a twist. Because the company accepts applications year-round, there's no single deadline to hit; each requisition simply closes once it's filled. So the calendar below is about beating other candidates rather than beating a date.
Applications for summer 2027 are OPEN. At least eight tracks went live on Workday between August 20 and August 27, 2026: claims, actuarial (ratemaking), actuarial (ratemaking & analytics), predictive modeling, software development, data engineering, life/health underwriting, and life annuities. Apply to each role you want separately; there's no umbrella application.
Rolling postings continue (expected). Marketing, accounting, and other departments usually post later than the first wave; the 2026 cycle saw requisitions appear as late as November and December. Check the Workday portal weekly and use the "introduce yourself" resume drop if your track isn't listed yet.
Application review is rolling and asynchronous. Recruiters screen resumes against the JD qualifications, so mirror the language of the posting (Excel and Access for actuarial, Java and RESTful services for software development). No online assessment (HackerRank, CodeSignal, HireVue) appears anywhere in candidate reports.
Interviews, typically one or two rounds, by video or on-site. Glassdoor's 208 interview reports rate difficulty at 2.6 out of 5 with a 72.3% positive experience. Claims and underwriting interviews are described as straightforward behavioral conversations; an IT project lead intern reported a single two-hour video interview.
The internship: about 13 weeks at 37.5 hours per week, on-site in Lansing (actuarial, IT, data, accounting, marketing) or at a regional office (claims, underwriting). Structured training, an assigned mentor, paid holidays and PTO. You pick your own start and end dates within the window.
How to read this page: our dates come from tracking previous recruiting cycles and daily posting data. Treat them as informed estimates based on historical patterns, not confirmed dates. The company's official careers page is always the most current source. If a role is posted there, go by that, even if this page suggests the window hasn't opened yet.
Why You Must Apply the Week Applications Open
Rolling with no deadline sounds relaxed, and Auto-Owners does mean it: the internship page says applications are accepted year-round. So what's the catch?
Rolling cuts the other way too. Each requisition is a single role, sometimes a single seat at a regional claims office, and it closes the moment a hire is made. The summer 2027 postings went live in the last ten days of August 2026, so applying in the first weeks of September puts you at the front of the review queue for the widest set of open roles. Waiting until winter means competing for whatever the late-posting departments add, not for the eight tracks open today.
And regional offices are the tightest. A claims internship in Lake Elmo or St. Cloud may be one seat, and once it's gone the posting disappears.
Which Auto-Owners Insurance Internship Programs Should You Target?
Auto-Owners posts every internship as its own requisition, so "tracks" here means the eight distinct roles verified live for summer 2027 as of late August 2026.
| Track | Focus | Location | Key skills |
|---|---|---|---|
| Claims Representative Intern | Investigate claims, determine coverage, evaluate loss amounts, resolve claims; $22/hr + bonus | Regional offices (Lake Elmo and St. Cloud, MN posted) | Communication, data interpretation, resolving complex issues |
| Actuarial Intern (Ratemaking) | Evaluate frequency, severity and premium trends; project future losses; build reports | Lansing, MI | Actuarial science or math, Excel and Access, statistical modeling |
| Actuarial Intern (Ratemaking & Analytics) | Ratemaking and analytics projects inside the Actuarial Division | Lansing, MI | Actuarial science, statistical modeling, analytics |
| Predictive Modeler Intern | Build and evaluate predictive models, prepare data files, present proposals for peer review | Lansing, MI | Statistics, clustering and classification, SQL, Python or R |
| Software Developer Intern | Define, develop, test and maintain software; join code reviews | Lansing, MI | Java and RESTful services; React, Angular, Node.js, containers a plus |
| Data Engineering Intern | Transform, aggregate and analyze data; evaluate data sources; support reporting | Lansing, MI | Statistics or CS, programming, data governance, technical writing |
| Life/Health Underwriting Intern | Learn coverages, analyze risk factors, communicate with agents; $18/hr | Lansing, MI | Business, finance or economics; independent decisions; communication |
| Life Annuities Intern | Life and annuity products within the actuarial division | Lansing, MI | Actuarial and financial modeling |
Property and casualty underwriting, marketing, accounting, and intelligent automation internships all ran in the 2026 cycle and typically post later in the year. Browse what's currently open on the Auto-Owners Workday portal.
What Are the Eligibility Requirements?
Eligibility is set per requisition.
But the same baseline appears on every JD reviewed.
• Enrollment: currently enrolled college student, entering junior or senior year (the internship page also welcomes sophomores)
• Coursework: at least two years completed by the time you start
• Majors: claims and underwriting favor business, finance, economics and insurance; actuarial wants actuarial science, math or predictive analytics; predictive modeling and data engineering take statistics, math, CS, physics or operations research; software development wants CS, information systems or IT
• GPA: no minimum appears on any reviewed JD
• Work authorization: every JD states that the ability to work in the US without current or future sponsorship is a requirement; no visa sponsorship
• Work model: on-site only; no remote or hybrid intern roles indicated
Do Sophomores Actually Get Hired at Auto-Owners?
The JDs say "entering junior or senior year" while the internship page says sophomores, juniors and seniors. Read that as the JD being the filter for the specific role and the page describing the program overall. A sophomore with two years of coursework by May 2027 meets the stated bar, and the "Not sure what type of position you're looking for? Send us your resume" option on Workday exists precisely for candidates who don't map cleanly onto a single requisition.
So apply anyway, and use that general resume drop as a backstop.
What Skills Does Auto-Owners Insurance Look For, and How Do You Build Them?
What do the six summer 2027 intern JDs actually ask for? We read them in full (claims, life/health underwriting, actuarial ratemaking, predictive modeler, software developer, data engineering). Communication, written and verbal, appears in all six. Problem-solving and data interpretation each appear in five.
But the technical asks split cleanly by track: Excel and Access plus statistical modeling for actuarial, SQL, Python or R and clustering and classification for predictive modeling, Java and RESTful services (strongly preferred) with React, Angular and Node.js as pluses for software development.
What Auto-Owners Insurance looks for in interns
Skills across 6 Auto-Owners Insurance intern & analyst job descriptions · Six Auto-Owners summer 2027 intern JDs read in full, August 2026
Count = number of the six JDs (claims, life/health underwriting, actuarial ratemaking, predictive modeler, software developer, data engineering) that name the skill.
Insurance intern hiring right now: September 2026
Across US actuarial intern postings tracked this month · aggregate market data, all employers
September 2026 is the fall recruiting wave: actuarial intern postings jumped 210.2% from August, and 44.2% of new listings already carry Summer 2027 in the title. Seats fill on rolling review, so the applications that go in this month meet the widest pool of open roles.
Method: aggregate analysis of US actuarial intern postings on Adzuna's US index, August average versus September 2026 to date (3 collection days). Sample indexes under half of all US postings; figures show direction and relative level, not total market share.
Build These Skills Before You Apply
And the two skills the quantitative tracks care most about map to remote Externships you can finish before your interview.
| Skill (from real JDs) | JD evidence | Externship that builds it |
|---|---|---|
| Financial modeling & loss projection | Actuarial JD: "projecting future losses based on historical loss data"; life/health UW JD: "analyze risk factors including loss experience, financial conditions" | Yinan Zhao Investing & Financial Modeling |
| Predictive modeling & quantitative analytics | Predictive Modeler JD: "build and evaluate predictive models," "clustering and classification techniques" | NASCAR NY Racing Sports Analytics |
Each Externship runs 4–11 weeks (most commonly 8) and ends with a deliverable you can put on the resume you upload to Workday.
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And to be clear, Auto-Owners isn't an Extern partner. The point is walking into a behavioral interview with a modeling project you can actually describe.
What Is the Auto-Owners Insurance Application and Interview Process Like?
The process is short. There's no online assessment in any candidate report, and most tracks run a single interview round.
So the work is in the application itself, not in prepping for a coding screen.
1. Open the Workday portal at aoins.wd5.myworkdayjobs.com/AutoOwners and filter by the Internship job family, or click "Explore Openings" on the Auto-Owners internship page to land on the same filtered list.
2. Apply to each requisition separately. Every internship is its own posting with its own application; there's no umbrella form. Create a Workday profile once and reuse it.
3. Use the general resume drop ("Not sure what type of position you're looking for? Send us your resume") if your department hasn't posted yet.
4. Rolling resume review against the JD qualifications. No published timeline; applications are accepted year-round.
5. Interview, one to two rounds, by video or on-site. Behavioral questions plus role-specific knowledge. Claims and underwriting candidates describe it as straightforward; an IT intern reported a two-hour video session.
6. Offer. No published decision timeline. Glassdoor's 208 reports put difficulty at 2.6/5 and positive experience at 72.3%.
Prepare STAR stories around resolving a messy problem, juggling several assignments, and explaining data to a non-technical person, since those three phrases show up in nearly every JD. See the Auto-Owners internship page for the current department list.
What Students on Reddit Say
Auto-Owners comes up mostly on r/lansing and r/grandrapids, where the company is a major local employer, and on r/adjusters for claims roles.
And the consensus is consistent: stable, conservative, good benefits, pay that trails some competitors. Is that a bad thing for an intern? Not really, since the complaints are about full-time salaries, not the $22 an hour claims interns are quoted.
A candidate with an upcoming Auto-Owners interview asked what to expect. Locals said the interview itself is manageable, but were candid that the company isn't the highest-paying carrier and that many people stay three to five years before taking their experience somewhere that pays more.
In a thread about where a soon-to-graduate computer science student should look, one reply pointed to Auto-Owners' tech office in Grand Rapids, noting the company hires a lot of new grads and has good internal growth.
Asked whether Lansing has any IT jobs beyond GM, commenters recommended Auto-Owners for stability, listing a pension, a 401(k) match, profit sharing and a Christmas bonus as reasons people stay.
How Do You Stand Out at Auto-Owners Insurance?
First, understand what "mutual" means. Auto-Owners is owned by its policyholders, not shareholders, and "Stability and Consistency" is a written core value. Being able to say why a $18.2 billion policyholder surplus and a 24-year Fortune 500 streak matter to a mutual separates you from candidates who only skimmed the homepage.
Second, learn the independent agency model. Auto-Owners sells only through independent agents (48,000 of them across 6,300 agencies), so for claims and underwriting roles the agent relationship is the job.
Third, bring proof for the quantitative tracks: a passed actuarial exam (P or FM) for ratemaking, a GitHub repo with Java and a REST service for software development, or a clustering project for predictive modeling.
And fourth, pick your location deliberately. Regional claims and underwriting offices may have one or two seats each, so apply to the office you'd actually relocate to and apply early.
What Other Companies Should You Consider?
Which other carriers should be on your list? Auto-Owners competes for insurance interns with other agent-distributed mutuals and with the larger carriers that recruit on campus in the same Midwest markets.
But only one of them shares its exact model, and that one doesn't have a guide yet.
- Erie InsuranceClosest mutual-style peer: agent-only, top-20 P&C carrier, but 12 states versus Auto-Owners' 26Careers site
- NationwideFellow Midwest mutual (Columbus, OH) with a larger, more structured campus program and published deadlinesGuide →
- Liberty MutualNational mutual with a bigger intern cohort, formal tracks and earlier fall deadlinesGuide →
- State FarmLargest US P&C mutual; captive-agent model rather than independent agents, with a heavier tech and data intern footprintGuide →
- ProgressivePublicly traded direct-and-agent hybrid with higher published intern pay and a more competitive, deadline-driven processGuide →
Compare all options in our Finance Internships Summer 2027 Guide.
FAQ
Can I still apply for a summer 2026 Auto-Owners Insurance internship?
No. The summer 2026 internships ran from mid-May to mid-August 2026 and are finished. The requisitions live on Workday now are for summer 2027, posted in the second half of August 2026. Auto-Owners accepts applications year-round, so apply to the 2027 roles as soon as you find one that fits.
Are Auto-Owners Insurance internship applications open for summer 2027?
Yes. As of late August 2026, at least eight summer 2027 tracks are live: claims, two actuarial roles, predictive modeling, software development, data engineering, life/health underwriting and life annuities. There's no published deadline because the company reviews applications on a rolling, year-round basis, but each role closes once it's filled.
How much do Auto-Owners Insurance interns get paid?
It depends on the track. The claims JD publishes $22 per hour plus a bonus opportunity, and the life/health underwriting JD publishes $18 per hour. Other tracks don't list pay. The 2026 cycle ranged from $17 to $22 per hour, and Glassdoor reports $39 to $54 per hour total pay for software developer interns.
Where are Auto-Owners Insurance internships located?
Actuarial, IT, data engineering, accounting and marketing interns work at the Lansing, Michigan home office. Claims and underwriting internships are spread across the company's 29 regional offices in 26 states; recent postings include Lake Elmo and St. Cloud in Minnesota, plus past placements in Illinois, South Carolina, Iowa, Wisconsin, Ohio and Alabama.
Does Auto-Owners Insurance sponsor visas for interns?
No. Every summer 2027 JD reviewed states that the ability to work in the US without current or future sponsorship is a requirement. International students who'd need sponsorship at any point aren't eligible, so check this line before spending time on the Workday application.
What is the Auto-Owners Insurance intern interview like?
Short and behavioral. Candidates report one to two rounds, by video or on-site, mixing behavioral questions with role-specific ones. Glassdoor's 208 interview reports rate difficulty at 2.6 out of 5 with 72.3% positive experiences. No online assessment appears in any report, though one IT intern described a two-hour video interview.
How long is an Auto-Owners Insurance internship?
About 13 weeks. Most interns start in mid-May and finish in mid-August, working 37.5 hours a week, Monday through Friday, on one of two shifts that overlap with their mentor's schedule. Interns choose their own start and end dates, and some departments also offer part-time internships during the school year.
Do Auto-Owners Insurance interns get return offers?
Auto-Owners doesn't publish an intern-to-full-time conversion rate, so treat any number you see elsewhere with caution. The careers site maps a path from entry level to management in every department, and Reddit users in Michigan say the company hires a lot of new grads and promotes internally, which points to a real pipeline without quantifying it.
Auto-Owners' summer 2027 postings are barely two weeks old, and the company reviews year-round, so this is the widest the field will be.
So apply to every track that fits this week, then use the wait to finish a remote Externship that gives you a modeling or analytics project to talk through in a behavioral interview. Explore all Externships.
About the Author
Bifei Wang has spent 17 years focused on human flow and the growth of young professionals, spanning international education, career training and coaching, and recruitment process outsourcing. Over 7 years at Extern, he has had one-on-one sessions with thousands of students exploring careers in consulting, finance, tech, marketing, and data, giving him a firsthand view of how the job market has shifted for early-career professionals and what it actually takes to break in.
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