AIG ranks 13th nationally, placing it in the moderately strong category among the best car insurance companies. The company stands out for its comprehensive coverage options and affordable pricing. This ranking reflects a 40-year-old male driver with good credit and no driving violations. AIG's ranking for your profile depends on your coverage needs.
AIG Car Insurance Review
Updated: September 17, 2025
Advertising & Editorial Disclosure
Key Takeaways
AIG ranks 16th for full coverage affordability and 13th for minimum liability coverage, with average rates of $210 and $80 monthly, respectively.
AIG earns 11th place nationwide for overall customer satisfaction due to its strong agent service and positive forum reviews from policyholders.
AIG places sixth for coverage options, offering features like accident forgiveness programs and new car replacement coverage for total losses.
AIG Car Insurance Ratings
| Overall Score | 3.61 | 15 |
| Customer Experience | 4.17 | 11 |
| Coverage | 3.63 | 6 |
| Affordability | 3.33 | 16 |
Who Is AIG Car Insurance Best and Worst For?
AIG works best for drivers with bad credit seeking basic coverage and those with DUIs who need affordable rates. Young drivers and senior drivers should look elsewhere, as AIG ranks among the most expensive options for these groups.
Compare how AIG stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.01 | 12 |
AIG Car Insurance Ratings by State
AIG ranks among the top five insurance companies in just one out of 51 states and territories nationwide. The company claims the top spot in Alabama, where it's the best-rated provider overall. This limited geographic strength shows AIG's more focused market presence compared to national competitors.
| Alabama | 4.61 | 1 |
| Florida | 3.79 | 10 |
| New Jersey | 3.31 | 12 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
AIG Car Insurance vs. Competitors
Let's look at how AIG car insurance stacks up against national competitors:
AIG vs. GEICO | 3.61 vs. 4.34 | GEICO has slightly better coverage options than AIG and outperforms in customer service and affordability. |
AIG vs. State Farm | 3.61 vs. 4.15 | State Farm scores better overall than AIG due to superior customer experience and more affordable rates. |
AIG vs. AAA | 3.61 vs. 3.79 | AIG and AAA rank similarly overall, but AAA's superior customer service gives it the edge. |
AIG vs. Allstate | 3.61 vs. 3.78 | While AIG is slightly more affordable than Allstate, Allstate's customer service and coverage options make it the better choice. |
AIG vs. USAA | 3.61 vs. 4.86 | For military members, USAA outpaces AIG in all categories: affordability, customer experience and coverage options. |
AIG vs. Travelers | 3.61 vs. 4.5 | Travelers outperforms AIG in all three categories in our study, making it the better choice for most drivers. |
AIG vs. Farmers | 3.61 vs. 3.86 | Farmers' highly rated coverage options and better affordability make it the superior choice. |
How Much Does AIG Car Insurance Cost?
Your AIG car insurance costs range from $65 to $1,172 per month, depending on your profile and coverage choices. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $383 | $4,602 | 11% | 10 |
AIG Car Insurance Rates by Driver Category
AIG ranks as more expensive than average for most driver profiles, including young drivers, seniors and those with accidents or bad credit. However, individual rates vary based on your specific situation. Below you can review how affordable AIG is for your driving category compared to other cheapest car insurance companies.
| Adult Drivers | $81 | $215 | 62% | 16 |
| Young Drivers | $158 | $429 | 30% | 15 |
| Senior Drivers | $96 | $255 | 52% | 15 |
| Drivers With An Accident | $115 | $296 | 53% | 16 |
| Drivers With A DUI | $111 | $271 | 17% | 9 |
| Drivers With A Speeding Ticket | $93 | $256 | 52% | 16 |
| Drivers With Bad Credit | $110 | $343 | 0% | 11 |
| Drivers With Low Income | $88 | $271 | 33% | 16 |
| Adult Drivers | $81 | $215 | 60% | 16 |
| Drivers With Newer Cars | $93 | $248 | 58% | 16 |
| Drivers With Old Cars | $65 | $168 | 40% | 16 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
AIG Car Insurance Rates by State
AIG's monthly rates vary from $22 to $289 across states. The company ranks within the top five most affordable options for just one out of 51 states and territories. See AIG's affordability and pricing in your area below.
| Alabama | $22 | $71 | -41% | 1 |
| Florida | $85 | $289 | 9% | 8 |
| New Jersey | $135 | $286 | 47% | 12 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
AIG Car Insurance Discounts
AIG offers limited discounts for car insurance, focusing primarily on high-net-worth clients through its Private Client Group division. Savings are available mainly through bundling and safe driving programs. Check out its offerings:
Multi-Policy/Bundle | Variable | Bundle auto with home, umbrella or other AIG Private Client Group policies | Available nationwide |
On the Go Telematics | Up to 15% | Download mobile app to track driving performance including acceleration, braking, cornering, speed | Available nationwide |
Safe Driver | Variable | Maintain clean driving record with no accidents or violations | Available nationwide |
Anti-Theft Device | Variable | Vehicle equipped with qualifying anti-theft systems | Available nationwide |
Good Student | Variable | Full-time students with good academic performance | Available nationwide |
Military | Variable | Active duty, veterans and military families | Available nationwide |
Professionals/Affinity Groups | Variable | Members of certain professional organizations or employer groups | Available nationwide |
AIG Car Insurance Customer Reviews and Reputation
AIG ranks 11th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight the company's knowledgeable agents and user-friendly digital platform, though claims processing generates more complaints than other service areas.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
AIG's buying process involves working with independent agents or brokers specializing in high-net-worth insurance. Unlike mass-market insurers, the company doesn't offer standard online quoting; instead, it focuses on customized policies that require individual assessment.
Agents are knowledgeable about unique coverage needs like high-value vehicles, international travel and umbrella policies.
Policy Management
AIG provides online account access and a mobile app for basic policy management, though the digital experience is more limited than mass-market competitors. Many policy adjustments require contacting your agent or broker, which reflects the company's focus on personalized service over self-service convenience. The platform handles premium policies with complex coverage structures that standard insurance apps can't accommodate.
Claims Experience
AIG's claims handling focuses on white-glove service for complex, high-value claims that mass-market insurers might struggle with. Claims representatives are experienced with luxury vehicles, international incidents and multi-policy claims coordination. The company maintains relationships with premium repair facilities and specialty service providers.
While response times may be longer than digital-first insurers, the personalized attention and expertise often result in more thorough claim resolution, especially for complicated situations involving high-end vehicles or significant damages.
AIG Car Insurance Industry Customer Satisfaction Ratings
AIG ranks well for financial strength from all industry rating agencies, but isn't ranked in other industry studies done by J.D. Power. Here are AIG's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | A+ | AAA to D | Excellent long-term credit quality |
S&P Global Financial Strength | A- | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | A3 | AAA to C | Upper-medium grade with low credit risk |
AIG Car Insurance Reddit and Forum Customer Satisfaction
AIG customers on Reddit and online forums appreciate the company's specialized coverage options for high-value assets, international coverage capabilities and professional handling of complex claims, valuing its expertise with luxury vehicles and unique insurance situations.
Common complaints focus on higher premiums than standard insurers, limited agent availability in many areas and a corporate approach that can feel impersonal compared to traditional personal lines insurers.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Premium pricing that reflects specialized coverage but can shock customers used to standard insurers:
"AIG isn't cheap, but they're one of the few companies that would properly insure my classic car collection. You pay for expertise, and when you have assets worth protecting, the extra cost makes sense."
Claims Processing
Professional claim handling for complex situations, though the process can be more formal than other insurers:
"Had a total loss with my BMW and AIG handled it perfectly. They understood the vehicle's value, used appropriate repair shops and settled fairly without trying to lowball. Very professional throughout."
"AIG's claims process felt more corporate than personal. Everything was handled correctly and professionally, but don't expect the warm, fuzzy customer service you might get elsewhere."
Customer Service
Knowledgeable representatives who understand complex coverage needs, but service can feel less personal:
"AIG reps definitely know their stuff. They can explain complex coverage scenarios that would confuse other companies. But it's more business-focused than relationship-focused service."
Trust and Reputation
Strong financial backing and global reputation, though some customers question their commitment to personal lines:
"AIG is a massive, financially strong company, which gives me confidence they'll be around to pay claims. But sometimes I wonder if personal auto insurance is really their focus."
Coverage Options
Extensive specialized coverage options for unique situations, though standard coverage can be overengineered:
"AIG excels at covering unusual situations: international travel, high-value vehicles, complex liability scenarios. If you have standard needs, they might be overkill."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
AIG Car Insurance Coverage Options
AIG provides standard auto coverage like other top insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:
Worldwide Liability Coverage | Provides liability protection anywhere in the world, beyond typical U.S. and territory limitations | Coverage follows you globally; higher liability limits available; essential for international travel and residences |
Agreed Value Coverage | Guarantees predetermined payout amount for total loss without depreciation deductions | No depreciation applied; value agreed upon at policy inception; ideal for collector and luxury vehicles |
360° Support Coverage | Comprehensive protection including personal belongings, living expenses and family pet coverage when stranded away from home | Covers stolen/damaged personal items; living expenses if stuck far from home; pet protection included |
Original Equipment Manufacturer (OEM) Parts | Ensures only factory-original parts are used in covered repairs, maintaining vehicle authenticity and value | Factory parts guaranteed if still in production; maintains vehicle value; no aftermarket substitutions |
Cash Settlement Option | Allows policyholder to choose cash payout instead of repairs when damage exceeds 50% of agreed value | Optional cash settlement for major damage; gives flexibility in claim resolution; based on agreed value |
Reimburses all rental car expenses with no daily limits while vehicle is being repaired | No per-day limit; up to $12,500 total reimbursement; higher than standard coverage | |
Collector Car Insurance | Specialized coverage for antique, classic and high-value collector vehicles with agreed-upon values | Covers vehicles during shipping between homes; international shipping coverage; no depreciation penalties |
Multi-Vehicle Single Policy | Covers unlimited vehicles on one policy including cars, motorcycles, RVs, ATVs, golf carts and motor homes | Unlimited vehicle capacity; covers diverse vehicle types; simplified policy management for large fleets |
High-Limit Liability Coverage | Provides liability limits up to $1 million per occurrence with umbrella coverage available up to $100 million | Up to $1 million base liability; umbrella coverage up to $100 million; designed for high-net-worth asset protection |
New Car Protection | Enhanced coverage for new vehicles totaled within first three years of ownership | Replacement with same make/model/year; option for new vehicle of same make; includes hybrid/alternate fuel editions |
Other AIG Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
AIG (Directly Offered) | Commercial property insurance, general liability insurance, commercial auto insurance, workers' compensation insurance, professional liability insurance, cyber insurance, directors & officers (d&o) insurance, errors & omissions insurance, financial lines insurance, aerospace insurance, marine insurance, international insurance, group accident & health insurance, life insurance (aig direct), high net worth personal lines (private client select: home insurance, auto insurance, yacht insurance, excess liability insurance, collections insurance), crop insurance, mortgage insurance |
Third-Party Partner | Travel insurance (formerly Travel Guard, now through Zurich/Cover-More Group), identity theft protection |
AIG Auto Insurance Review: Bottom Line
AIG is a strong option for car insurance, ranking best in affordability, customer experience and coverage. Overall, it earns 14th place for full coverage and 12th for minimum coverage.
Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
AIG Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about AIG car insurance:
Does AIG insurance have a good reputation?
Yes, AIG is a legitimate car insurance company that ranks 15th place in our comprehensive car insurance provider rankings. The company excels in coverage options, ranking sixth among all providers.
Where is AIG the best car insurance company?
AIG is the best car insurance company in one out of 51 states and territories, including:
- Alabama
How much does AIG car insurance cost on average?
AIG's average annual cost for adults is $951 for state minimum coverage and $2,471 for full coverage. AIG rates range from $778 to $3,896 for minimum and $2,200 to $11,824 for full coverage.
Is AIG known for denying claims?
Customer feedback indicates AIG has faced criticism for claim denials, with policyholders reporting disputes over coverage interpretations and settlement amounts. Some customers have experienced lengthy claim processes and disagreements over policy terms, though comprehensive industry-wide data on denial rates remains limited.
Note: This represents limited information based primarily on forum reviews.
Is AIG a good option for high-risk drivers?
AIG works well for drivers with a DUI, ranking ninth overall for affordability. However, it's not ideal for drivers with bad credit, ranking 11th overall.
Does AIG raise car insurance rates over time?
Yes, AIG raises car insurance rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus individual risk factors.
Is AIG good for young drivers?
AIG maintains stable rates but isn't ideal for young drivers, ranking 15th for overall affordability with premiums averaging $429 monthly for full coverage.
How We Rated AIG Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "AIG Ratings and Reviews." Accessed September 18, 2025.
- Google Play. "AIG - Apps on Google Play." Accessed September 18, 2025.