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AIG Car Insurance

Smart Score

88

Industry Average: 75

Smart Score

88
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

9.4
/10

Industry Average: 8

Value for Price

9
/10

Industry Average: 7

AIG Overview

With roots that trace back to 1919, AIG is a global insurance company with operations in more than 80 countries and jurisdictions. Within the US, it sells car insurance in 50 states and Washington, D.C. and homeowners insurance in 49 states and Washington, D.C. It provides a range of insurance products to support its clients in business and in life, including: general property/casualty, life insurance, and retirement and financial services through AIG's General Insurance, Life and Retirement and Investments business units.

Lines of Business:

AIG Ratings Breakdown

Smart Score

88

AIG: 88
Industry Average: 75
AIG: 88
Industry Average: 75

Why our Smart Score matters

AIG’s Smart Score of 88 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering AIG’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 88, AIG rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

AIG: 7.7
Industry Average: 7.7
AIG: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with AIG’s representatives, and their experience with online tools like quoting and managing a policy via website or app. AIG’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from AIG’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.4

AIG: 9.4
Industry Average: 8
AIG: 9.4
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with AIG. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast AIG handles it.


AIG’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with AIG.


What does this mean for you?

Evident from a claims score of 9.4, AIG has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

9

AIG: 9
Industry Average: 7
AIG: 9
Industry Average: 7

AIG’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How AIG comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

AIG’s value for price score of 9 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

AIG Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints AIG has than average. With an index of 0.58 AIG is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints AIG has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) AIG has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.58 AIG is better than average.

Customer Reviews

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100%

of customers would reccomend this company to a friend

1 customer reviews

HonestPolicy User

Auto Customer

AGI, is a good auto insurance company. The rates are very low. The covarage is excellent and the deductible is somewhat low, but they could be lower. It depends on what plan you choose.

Price Value: -

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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AIG Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by AIG

Available OptionsWhat it meansSee something wrong?
Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Original Equipment Manufacturer Coverage

Helps ensure aftermarket parts will not be used when repairs are made to your vehicle

Antique or Collector Car Insurance

Special insurance for antique and collectors cars.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

Pet Coverage

If your pet is injured in an accident, this insurance will cover their expenses.

Umbrella Policy

Liability insurance that covers the excess portions of claims not covered by your other insurance policies.

AIG availability in these states

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