AIG Auto Insurance Review for 2025 (See Rates & Discounts Here)

This AIG auto insurance review covers key benefits, including accident forgiveness and complete replacement for totaled vehicles. American International Group, Inc. provides reliable coverage and repair guarantees at $44 monthly.

While AIG offers strong claims support and financial stability, its types of auto insurance policies have limited customization options.

AIG Auto Insurance Rating

Rating Criteria
Overall Score	3.5
Business Reviews	4.0
Claims Processing	3.0
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	3.5
Customer Satisfaction	2.1
Digital Experience	4.0
Discounts Available	3.1
Insurance Cost	2.6
Plan Personalization	4.5
Policy Options	4.5
Savings Potential	2.8

American International Group reviews highlight its strong financial backing, making it a reliable choice for those prioritizing stability.

High-mileage drivers and individuals who need comprehensive benefits will benefit the most. Compare various insurance quotes before deciding on a policy to see if AIG suits your needs.

Enter your ZIP code into our free comparison tool above to instantly compare your AIG auto quote vs. the top insurers near you.

AIG Auto Insurance Rates Based on Age, Gender, and Driving History

AIG auto insurance rates differ based on the policyholder’s age, gender, and driving history.

AIG Auto Insurance Monthly Rates by Coverage Level

Younger drivers pay the most, with 16-year-old males paying as much as $518 a month for comprehensive coverage, whereas 45-year-old males pay much lower premiums, at only $104.

Similarly, a spotless driving record means the lowest premiums, with basic coverage costing $44 monthly. A DUI, however, raises the premium to $104.

These rates emphasize the importance of having a good driving record and factor coverage.

American International Group, Inc. (AIG) Insurance Rate Breakdown

AIG is different from most large auto insurers in that it specializes in insuring luxury, exotic, and high-value cars. These vehicles are expensive to replace or repair, making them more challenging to insure.

Most insurers emphasize providing low yearly rates, but AIG’s policies emphasize value over cost. Compare AIG quotes with other companies to get the best rate. Below are the average rates you can expect to pay if you own one of the 20 most expensive vehicles.

Full Coverage Auto Insurance Monthly Rates: Top 10 Most Expensive Cars

Rather than provide standard auto insurance coverage, AIG prioritizes treating high-value vehicles with the right level of care. For example, if you damage your luxury vehicle in an auto accident, you would want to take it to a specialist.

Luxury vehicle specialists are often two to three times more expensive than standard mechanics. AIG auto insurance covers costs that exceed standard policy limits, making it suitable for high-value vehicles. However, premiums are typically higher than those of standard insurers.

American International Group, Inc. (AIG) Insurance Coverage Options

AIG’s Private Client Group offers comprehensive auto insurance coverage, including:

• Personal Property Coverage: Compensates for stolen or damaged belongings in your car.
• Emergency Living Expenses: This covers costs incurred while away from home due to an emergency.
• Worldwide Liability Coverage: This covers accidents globally, with limits of up to $1 million per occurrence and up to $500 million in umbrella liability.
• Rental Car Reimbursement: Pays up to $12,500 for a comparable rental while your car is being repaired.
• Original Manufacturers’ Parts: Repairs use OEM parts, which are ideal for luxury or vintage vehicles.
• One-Policy Program: This program insures multiple vehicles under a single policy.
• AIG Premier Client Solutions (PCS): Dedicated customer service for policyholders.

These coverages cater to high-net-worth clients, frequent travelers, and owners of multiple or high-value vehicles. AIG also offers commercial auto insurance.

Private Client policyholders can bundle other coverage types, including luxury homeowners, private collections, yachts, excess liability, equine, and wildfire protection. Those outside the Private Client Group must use a separate insurer for auto coverage.

AIG Auto Insurance Coverage Availability

You can purchase and service an AIG Private Client Group auto insurance policy anywhere in the United States. AIG is in Atlanta, Denver, and every other major U.S. city.

AIG provides international coverage for auto insurance policyholders worldwide. Headquartered in New York City, AIG has offices in cities like Bratislava, Seoul, and Dubai. As the 17th-largest insurer, it offers worldwide liability protection.

AIG serves individuals, families, and businesses with a platform for managing policies, quotes, claims, and payments. However, it stopped offering standard auto insurance after selling that branch in 2009. The Private Client Group offers coverage for luxury assets to high-net-worth individuals, but this increases costs, making AIG less affordable compared to other providers.

AIG Insurance Reviews: Comparing its Luxury Coverage to Competitors

AIG auto insurance is only available to members of its Private Client branch. As a member, you’re eligible for customizable car insurance for high-end vehicles that are not typically available through standard insurance companies.

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Whether you don’t need luxury auto insurance or want more affordable exotic car insurance rates, compare your AIG auto insurance price with other top insurers to find the best deal. Seniors may benefit from the Best Auto Insurance for Seniors, while those seeking broader coverage can explore American General Car Insurance. Check AIG Direct Life Insurance Reviews or call the AIG Auto Insurance Phone Number for more details.

American International Group, Inc. (AIG) Discounts Available

Are you wondering if you can bundle a life insurance policy with AIG Direct auto insurance? Unfortunately, AIG’s Private Client Group does not provide options for bundling insurance policies.

AIG Auto Insurance Perks & Exclusive Programs

AIG auto insurance provides benefits designed to enhance coverage, convenience, and peace of mind for policyholders. These features offer value beyond standard insurance protection, from vehicle replacement to roadside assistance. Here are some key benefits:

• Brand New Replacement Car: AutoPlan and AutoPlus provide a brand-new replacement of the same make and model if the insured vehicle is damaged beyond repair within three years of purchase. For a comprehensive understanding, dive deeper into our “Best Auto Insurance for Luxury Cars.”
• Policy Lifetime Repair Guarantee: Repairs completed at authorized workshops and manufacturer-approved repair centers come with a lifetime guarantee on artistry and paintwork.
• Excess Waiver of Up to $1,000 with In-Car Camera Footage: Sharing in-car camera accident footage can result in an excess waiver of up to $1,090 (including Goods and Services Tax, or GST) while also helping to prevent fraudulent claims.
• Courtesy Car During Repairs: A courtesy car is provided while the insured vehicle is being repaired. This benefit is included with AutoPlus and available as an option for other plans.
• Free 24/7 Towing and Roadside Assistance: AutoPlus includes complimentary roadside assistance for minor issues such as flat tires or dead batteries and towing services after a breakdown. This service is available 24/7 throughout Singapore.

These benefits showcase the additional value AIG auto insurance offers beyond basic coverage. With features like repair guarantees, replacement vehicles, and roadside assistance, policyholders can experience greater convenience and financial protection. Understanding these benefits can help determine if AIG auto insurance is the right fit for individual coverage needs.

AIG Auto Insurance for High-Value Vehicles and Private Clients

AIG car insurance is only for members of the Private Client Group since the company primarily focuses on other products, such as AIG Direct life insurance, AIG travel insurance, AIG health insurance, and AIG annuities. In addition, AIG only writes auto insurance for high-value cars, with coverage geared toward high-income policyholders.

Contact the AIG Private Client Group via its phone number at 1-888-978-5371 for eligibility questions. However, if you aren’t a luxury car owner or high-net-worth driver, you’ll see more savings with the other best auto insurance companies.

Read our AIG auto insurance review to see if this company offers the auto insurance types and customer service you need at a price that fits your budget. 

Where to Buy AIG Auto Insurance

The Federal Reserve took control of AIG during the 2008 financial crisis. The takeover was later ruled illegal, and AIG regained power in 2012. AIG offers auto insurance through its Private Client Group.

To get car insurance, request a complimentary policy review by completing a form on AIG’s website. After you submit the form, an independent AIG agent will contact you. AIG auto insurance is available both in the United States and internationally.

Other AIG Insurance Products

In addition to AIG car insurance quotes, the company offers a range of other coverage options:

• Classic Car Insurance: AIG provides coverage for collector or vintage vehicles with an agreed-upon value between the owner and insurer, influencing the quote.
• Motorcycle Insurance: AIG offers motorcycle coverage. Call 1-800-225-5244 for details and compare quotes with other providers to find lower rates.
• Home Insurance: AIG offers coverage for high-value homes. Compare quotes with competitors to get the best deal.
• Life Insurance: Offered through American General, a subsidiary of AIG. It has numerous poor customer reviews and an F rating from the BBB.
• Annuities: These are sold through Corebridge Financial, which manages AIG’s annuity products. Corebridge has an average BBB rating of 1.06/5 stars and an F rating based on 66 reviews citing poor customer service.

You can purchase an annuity from AIG, a financial product that provides a set income for a specific period, often used for retirement planning. Corebridge Financial handles AIG’s annuities. On the BBB website, Corebridge has an average rating of 1.06/5 from 66 reviews citing poor customer service and an F rating.

How to File an AIG Auto Insurance Claim

AIG recommends that all Private Client Group members file an auto insurance claim through their independent insurance advisors. However, you can also report AIG claims by calling directly.

If you’re in the U.S., you can report a claim by calling this AIG insurance contact number: 1-888-760-9195. You can also fax AIG using this insurance group number: 1-866-858-1472. If you’re a U.S.-based policyholder traveling abroad, the best way to report a claim is to call 1-302-482-6000.

How American International Group, Inc. (AIG) Ranks Among Providers

To get reliable auto insurance ratings for AIG, you need to go where trustworthy auto insurance company reports are for the best auto insurance companies.

AIG Insurance Business Ratings & Consumer Reviews

Agency
	Score: 835 / 1,000 Avg. Satisfaction
	Score: A Good Business Practices
	Score: 77/100 Good Customer Feedback
	Score: 0.98 Fewer Complaints Than Avg.
	Score: A Excellent Financial Strength

Our AIG insurance review found that the company has exceptionally high ratings for financial strength, and its client satisfaction with other policies is also high. J.D. Power ranks AIG above average for life insurance satisfaction, which reflects a strong customer service team that addresses all insurance claims with the same level of integrity.

While it is important to compare your AIG insurance quote against cheaper providers, you should always consider a company’s customer service reviews and financial ratings.

AIG Car Insurance Reviews: Customer Service and Financial Stability

According to the National Association of Insurance Commissioners (NAIC), AIG automobile insurance has a 0.30 complaint index rating, whereas the national average is 1.00. This score indicates a low number of complaints, indicating good AIG customer service reviews.

AIG automotive insurance also has an A rating from A.M. Best, indicating a good financial outlook for the company.

On the other hand, the Better Business Bureau (BBB) website shows that the average AIG car insurance review, based on 107 customer reviews, is 1.01/5 stars. However, AGI auto insurance doesn’t have a rating from the BBB. Businesses looking for the best business auto insurance may also find value in AIG travel insurance reviews or contacting The General Insurance phone number for more options.

Pros and Cons of AIG Auto Insurance

Pros

• Exclusive High-Value Vehicle Coverage: Crafted for high-end and rare vehicles with unique protection.
• Comprehensive Policy Perks: This offers accident forgiveness and complete replacement for new cars.
  Strong Financial Stability: Supported by American International Group, Inc., guaranteeing claim dependability.
• Customizable Add-Ons: Policy owners can enjoy customized endorsements for high-end requirements.

Cons

• Restricted Eligibility:  Comes with membership in the Private Client Group. Gain a deeper understanding through our article, “Best Auto Insurance Companies That Offer OEM Parts Coverage.”
• Higher Premiums: More costly than traditional auto insurance companies.
• Limited Availability: Not best suited for drivers who want simple or low-cost coverage.

Key Takeaways on AIG Auto Insurance Coverage and Benefits

The AIG Private Client Group offers AIG automobile insurance for high-net-worth people and luxury car owners. Policies include premium benefits like accident forgiveness, replacement of the entire car, and tailored coverage options. American International Group, Inc. backs AIG and has strong financial security and good claims service.

Yet, eligibility is limited to Private Client Group members, and auto insurance premiums are higher than standard insurers. While AIG stands out for personalized protection through AIG motor insurance, it may not be ideal for budget-conscious drivers. For broader options, consider an AIG car insurance policy or explore an AIG business insurance review for commercial coverage.

Enter your ZIP code into our free quote comparison tool below to see how AIG auto insurance quotes stack up against competitors.