AIG Insurance Review 2025

AIG auto insurance, like its other financial products, is designed for people with a high net worth.

AIG Is Best for Those Who:

• Have a high net worth (generally $1 million or more in liquid assets)
• Are looking for tailored insurance coverage for high-value assets

AIG Is Not Best for Those Who:

• Are looking for the most affordable auto insurance coverage
• Have fewer than $1 million in liquid assets

Pricing data for AIG is not widely available, but given that it’s tailored to high-net-worth individuals, you can expect to pay more than average. Its coverage options are incredibly customizable to your specific needs, so the cost will largely depend on the assets you’re insuring.

AIG does not list any discounts on its website, which makes sense as its objective is not to help policyholders save money but to protect their valuable assets. However, while it doesn’t offer the standard discounts you might expect from other auto insurers, it still evaluates risk, so the same money-saving best practices apply.

These include maintaining a clean driving record as well as a strong credit history. In addition, you can expect to pay less if you’re over 25. You may be eligible for savings if you bundle home and auto insurance (or home/auto and life insurance), but it’s best to consult an agent to confirm.

Given its specialized coverage offerings, AIG does not allow for online quotes, so I was not able to try out the process firsthand. AIG works with independent agents, or Producers, across the country to sell its insurance policies. You can use AIG’s website to find an agent near you who will be able to discuss your individual needs and tailor a policy accordingly.

AIG offers several coverage options that cater to its clientele. All of its policies include $1 million in liability coverage per occurrence, with the option to purchase additional umbrella liability coverage of up to $100 million. (Standard insurers typically offer umbrella coverage only up to $5 million.)

It also offers personal property coverage for belongings in a stolen or damaged car, emergency living expenses if your car needs repairs when you’re traveling, and pet coverage.

AIG allows for an unlimited number of vehicles to be covered under one policy, including standard cars, classic cars, motorcycles, motor homes, ATVs, golf carts, and more.

Here are other coverages offered by AIG, some of which are included in auto policies by default:

AIG generally has very strong customer satisfaction ratings, which makes sense given its team’s expertise and the clients it caters to. As a high-end insurer, it is not included in J.D. Power’s studies along with standard insurers, but I looked to other data points to get a sense of its reputation among customers.

First off, AIG has an NAIC Complaint Index of 0.27, which is very low, indicating that it receives far fewer customer complaints than average. It also earned a spot on the CRASH Network’s Honor Roll with a score of B+, ranking ninth out of 97 insurers. These metrics indicate that its customer service experience is far above average.

In addition, it has an AM Best rating of A, which means that it is financially stable and can be trusted to pay out claims.

To file a claim with AIG, you’ll need to make a phone call. You can either call your independent agent or AIG directly at the phone number on its website. There is also a separate number for customers who need to file a claim while traveling abroad. AIG does not allow for online or mobile claims filing.

The company advertises “an elevated claims experience,” which includes a single point of contact, connections with experts to help you restore rare items, and responses within 24 hours of filing a claim (with emergencies answered within the hour). AIG states that its experts go above and beyond, such as helping to source vintage auto parts from other parts of the world.

It aims to expedite claims as much as possible, but the time it takes will depend on the complexity of the situation. For example, if rare parts do need to be sourced, the claims process can take much longer.

AIG’s website is inviting and informative, but its functionality is limited. It makes the company’s target market clear with phrases such as, “The life you’ve built is distinctive. Your insurance should reflect that.”

The website provides information on the policies offered by AIG, as well as resources and advice for customers. It also includes the number to call to file a claim and a payment portal allowing policyholders to make a one-time payment or manage recurring payments.

I tried clicking on the login portal to see if there were more details on what features it provides to policyholders, but it actually links to the Producer Business Center, which can only be accessed by Producers (agents).

In addition, AIG does not currently have a mobile app for its auto insurance in the US. Instead, it relies on its agents to help customers with anything they may need. It previously had an app called On the Go, which was used for its telematics program, but it was discontinued as of December 2024.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyze average full and minimum coverage premiums for safe drivers with good credit, as well as various driver profiles, including those with violations or low credit. We also consider the variety of available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): Customers expect insurers to provide clear communication throughout the claims process, as well as a fair evaluation of damages and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card. We also consider financial strength from sources like AM Best.
• Customer Experience (25%): We evaluate how seamless insurers make it for prospective customers to get a quote and purchase a policy, as well as make changes to or access existing documents. We consider the availability and quality of both online and agent interactions, as well as the user-friendliness of the company’s website and mobile app. Our sources include the NAIC complaint index, CRASH Network, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings, particularly whether they have options beyond the state-required minimums, such as accident forgiveness, gap coverage, and more.

Read more about our ratings and methodology.