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AIG Overview

AIG is primarily known for its financial services products. The company was initially founded in China in 1919 as American Asiatic Underwriters. In 1939, the company moved its headquarters from Shanghai to New York City. During the first few decades after its founding, the company grew with various companies on several continents. The year 1967 marked the integration of all of the company’s holdings into the American International Group (AIG) which is commonly known today. The company is currently headquartered in Nashville, Tennessee.

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The Good

In 2007, AIG purchased 21st Century Insurance and began offering automobile policies. The company was later sold to Farmers Insurance, however and is no longer owned by AIG. Gathering information about AIG’s current offering as far as automobile insurance is difficult, and the company only serves clients with sizable assets via their Private Client Services division (PCS). In order to receive information, the prospective client must have “significant” financial portfolio, and the company is not willing to give information about their offerings without prospective customers passing all of their screenings.

Coverage Features:

Legal automobile insurance coverage requirements vary greatly by state, and in order to be licensed in any state, companies must comply by offering at least the bare minimum coverage in any state that they are licensed. AIG meets these minimums coverages as required by law, but specifics are not available from the company due to their screening process.

Some of the coverages which are usually included by other companies are:

  • Property damage
  • Bodily injury liability
  • Uninsured motorist
  • Personal injury
  • Collision
  • Comprehensive
  • Medical payments
  • Rental (not required by law, but a nice bonus for policyholders)
  • Emergency road service (not required by law, but a nice bonus for policyholders)

The Bad

Aside from the services offered, there are several limitations and additionally costs consumers may want to consider prior to using AIG for auto insurance. These drawbacks include the following:

Price Range:

The Review Team was unable to obtain a quote from agents. Each attempt to do so resulted in either the company not being able to offer competitive pricing in —- state, or requiring significant amounts of personal information. AIG does not offer a base quote. After extensive searching, it appears that AIG only offers their automobile insurance to their Personal Client Services clientele, which includes those with significant assets.

Service Coverage:

As far as reporting the number of states in which AIG offers their auto insurance, there is conflicting information which the Review Team was unable to reconcile. According to some sources, the company offers coverage in all 50 states. Other customers report receiving scripted responses to their quote requests from varying states.

Dear Mr./Ms. ——- —————-,

This is ————– and I am following up on the inquiry you made about AIG Insurance. In order to serve you with the best options, we may not be able to offer you a quote or be competitive in the state of ————–.
I appreciate you reaching out to us for a quote and wish you the best of luck in your insurance search.

Best Regards,
—————– ——————–

At this time, the Review Team cannot confidently state that there is enough information from the company to state where they offer auto insurance to policyholders.


As is the case for other features, it is difficult to obtain information about discounts from AIG auto insurance. Considering their primary demographic, it is unlikely that they offer many smaller discounts and any available would probably be larger ones. The Review Team is unaware of any discounts at this time.

File/Track Claims:

As with the other features, details could not be be determined. One assumes that this feature would be available for AIG’s clients as the policies which the offer to their private clients is to be the best possible. This is merely a speculation, however.


Specific information about the origin of AIG’s automobile insurance offerings are sparse. First mention of the company offering any type of auto policy is as late as 2007, when AIG purchased 21st Century Insurance. In 2009, the company was then sold to Farmers Insurance.

The Bottom Line

For a company as large as AIG, it is difficult to fathom why there is so little information available about their auto insurance. The lack of transparency is adequate reason for the Review Team not to recommend AIG as an automobile insurance provider. The information which is available suggests that those with lucrative financial statements would benefit from their coverage, but for most, this product is simply not the best option.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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