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: December 16, 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.
Prefer hearing directly from customers? We gathered reviews from people who've used this insurance. Read More.
AIG Car Insurance Ratings
| Overall Score | 3.61 | 15 |
| Customer Experience | 4.17 | 11 |
| Coverage | 3.63 | 6 |
| Affordability | 3.33 | 16 |
AIG Car Insurance Reviews from MoneyGeek Users and Policyholders
MoneyGeek's assessment of AIG incorporates our standard evaluation framework for rates, coverage and service quality as detailed in our methodology.
Customer testimonials illuminate the realities of high-net-worth insurance that ratings can't fully capture. We gathered reviews from AIG Private Client Group policyholders to showcase experiences with specialized luxury vehicle coverage. Customers praise AIG's agreed value policies for collectible vehicles, worldwide liability coverage capabilities and white-glove claims service for expensive assets, while challenges typically include premiums substantially higher than mass-market insurers, limited agent availability outside major metropolitan areas and coverage confusion between primary policyholders and listed drivers.
Here's what MoneyGeek users are saying about their experiences with AIG car insurance.
★★★★★ (5 stars) | Posted by BMWPrivateClient "I've had AIG Private Client Group auto insurance for over a year now with my BMW insured through them. Filed two claims in the past year and they've been more than helpful — not just with the claims but personally adjusting to whatever was going on in my life. They're incredibly flexible with car rentals and handled my case professionally and found the best solution possible. Felt like they just want to help, not nickel and dime you." |
★★★★ (4 stars) | Posted by ClassicCollector2024 "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. They use agreed value insurance so there's no guessing about payouts and they work with top appraisers for vintage cars." |
★★★★★ (5 stars) | Posted by FloodCivic2000 "In 2000 my Honda Civic was involved in a flash flood. AIG paid not only the full payoff amount but I was able to get a new car plus had extra money for my baby that was due in a month. They were very fast at paying us and the whole process was smooth. Highly recommend them for handling total loss claims." |
★★★★★ (5 stars) | Posted by HighValueCoverage "AIG insures my luxury vehicle and they actually understand high-value cars. When I had a claim, they didn't hassle me about using OEM parts or going to a specialist shop. Worth the premium for proper coverage." |
★★★★★ (5 stars) | Posted by InternationalTravel "Travel internationally for work and AIG's coverage extends properly unlike some other companies. Had an incident abroad and they handled everything smoothly including international claims processing." |
★★★★★ (5 stars) | Posted by UmbrellaProtection "Added an umbrella policy through AIG and the coverage is comprehensive. My agent explained everything clearly and the rates were competitive for the level of protection I'm getting." |
★★★★☆ (4 stars) | Posted by ClaimsRepKnowledgeable "Filed a complex claim involving multiple parties and my AIG adjuster was extremely knowledgeable. Took time to explain the process and kept me updated throughout. Very professional experience." |
★★★★☆ (4 stars) | Posted by ExecutiveBenefits "My company offers AIG through our executive benefits package. The coverage options are extensive and customer service is responsive. Haven't had major claims but small ones were handled efficiently." |
★★★★☆ (4 stars) | Posted by SpecialtyVehicle "Insuring a classic car with AIG and they have specialists who actually understand collector vehicles. Agreed value coverage means I won't get lowballed if something happens." |
★★★★☆ (4 stars) | Posted by BundleOptions "Bundled auto, home and umbrella with AIG. The multi-policy discount is substantial and having one company handle everything simplifies things. Service has been solid across all policies." |
★★ (2 stars) | Posted by TruckDriveshaft "A truck lost its drive shaft and I ran over it, tearing up the bottom of my car including the oil pan. Unfortunately the trucking company had AIG insurance. My car sat at the dealership for over a month dealing with the rudest, most unprofessional claims adjuster. She couldn't get her stories straight between paperwork, emails and phone calls. Had to get the trucking company involved just to get her to call me back. She even denied a rental car at first." |
★ (1 star) | Posted by FenderBender20s "I definitely would not recommend AIG. Was involved in a fender bender three months ago with their corporate customer and I wasn't at fault. The claim specialist handled everything horribly. Took forever to get in contact with him and then he continued to bully me since I'm in my low 20s. My car sits in the shop dismantled while I drive a rental with cigarette burns in the seats. They keep threatening to stop paying for the rental whenever they can't reach an agreement with the shop." |
★★ (2 stars) | Posted by AddedDriverConfusion "When I had an accident we assumed I was covered with the same benefits as my mom's policy. This wasn't the case. AIG insisted they just added me as a driver with only state minimum liability and only covered up to $20,000 worth of damages. The company kept telling us that since I was just an added driver and not the policy holder I wasn't eligible for program discounts. Should've been clearer about coverage differences upfront." |
★★☆☆☆ (2 stars) | Posted by PremiumTooHigh "AIG premiums are significantly higher than competitors for similar coverage. I understand they position as premium insurance but paying 40% more than quotes from other A-rated companies seems excessive." |
★★☆☆☆ (2 stars) | Posted by ClaimsDelayTactics "Simple claim took four months to resolve. AIG kept requesting additional documentation that seemed unnecessary. Felt like they were trying to wear me down into accepting a lower settlement." |
★★☆☆☆ (2 stars) | Posted by CustomerServiceTransfers "Every time I call I get transferred multiple times. Spent 45 minutes on hold just to ask a simple policy question. For premium-priced insurance, the customer service should be better." |
★☆☆☆☆ (1 star) | Posted by PolicyCancelledSuddenly "AIG cancelled my policy mid-term with only 30 days notice claiming underwriting changes. Been with them for five years with no claims. Now I'm scrambling to find replacement coverage as a cancelled customer." |
★☆☆☆☆ (1 star) | Posted by LowballSettlement "Had legitimate damage and AIG's initial offer was insulting. They came in at half what three independent shops estimated. Had to hire an attorney to get a fair settlement." |
★☆☆☆☆ (1 star) | Posted by BillingErrors "AIG has made billing errors on my account three times this year. Each time I spend hours on the phone getting it corrected. Their systems seem outdated and prone to mistakes." |
★☆☆☆☆ (1 star) | Posted by NonRenewalNoExplanation "Received non-renewal notice with zero explanation. My agent couldn't tell me why. No claims filed, no violations. AIG just decided they didn't want my business anymore after six years." |
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.
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:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
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:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
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 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 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Apple App Store. "AIG Ratings and Reviews." Accessed December 18, 2025.
- Google Play. "AIG - Apps on Google Play." Accessed December 18, 2025.