AIS Auto Insurance Review (2022)

This AIS Auto Insurance Review (2020) review will cover AIS auto insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. Information on AIS customer service and AIS car insurance quotes can also be found in our review. To compare insurance rates from the best companies in your location, enter your ZIP code below.

UPDATED: Sep 28, 2022Fact Checked

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 28, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 28, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 28, 2022Fact Checked
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Auto Insurance Specialists

Average annual rate for good drivers:

$1,200

A.M. Best rating:

Complaint level:

Low

Pros

  • AIS auto insurance policies are available in all 50 states
  • AIS offers other benefits like rental reimbursement coverage and roadside assistance
  • Rideshare drivers can also get insurance through AIS

Cons

  • There isn’t any information available about Auto Insurance Specialists from financial rating organizations like A.M. Best, Standard & Poor’s, or Moody’s
  • AIS insurance reviews can be harder to find due to the company’s size

The Bottom Line

Auto Insurance Specialists’ mission is to connect you to the cheapest auto insurance rates in your area. They allow you to compare the rates and discounts offered by different companies to help you save money on your auto insurance policy.

The company has managed to earn a significant amount of money over the years and remains in partnership with some of the biggest auto insurance providers in the U.S.

Auto Insurance Specialists was founded in 1968 as an auto insurance provider in California and later expanded to add homeowners, renters, motorcycle, earthquake, classic car, life, business insurance, and other types of insurance policies.

They have been underwriting policies in all 50 states since 2014. AIS serves more than 400,000 customers in California.

Mercury General purchased Auto Insurance Specialists in 2009. It remains an independently operated subsidiary.

AIS Rates

Since AIS offers auto insurance in every state, we’ll provide you with the average annual rate of every state.

Average Annual Auto Insurance Rates by State
StatesAverage Annual Auto Insurance Rates
Virginia$2,358
Hawaii$2,556
West Virginia$2,595
Massachusetts$2,679
Ohio$2,710
Maine$2,953
Idaho$2,979
Iowa$2,981
Washington$3,059
New Hampshire$3,152
Wyoming$3,200
Montana$3,221
Vermont$3,234
Kansas$3,280
Nebraska$3,284
Illinois$3,305
Missouri$3,329
North Carolina$3,393
Indiana$3,415
Alaska$3,422
New Mexico$3,464
Oregon$3,468
Alabama$3,567
Wisconsin$3,606
Utah$3,612
Tennessee$3,661
Median$3,661
Mississippi$3,665
California$3,689
Arizona$3,771
South Carolina$3,781
Colorado$3,876
South Dakota$3,982
Pennsylvania$4,035
Texas$4,043
Arkansas$4,125
Oklahoma$4,142
North Dakota$4,166
New York$4,290
Minnesota$4,403
District of Columbia$4,439
Maryland$4,583
Connecticut$4,619
Florida$4,680
Nevada$4,862
Georgia$4,967
Rhode Island$5,003
Kentucky$5,195
New Jersey$5,515
Louisiana$5,711
Delaware$5,986
Michigan$10,499
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These auto insurance rates are provided by the National Association of Insurance Commissioners (NAIC). The averages are calculated based on the combined auto insurance rates from insurance providers in that particular state.

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AIS Discounts Available

Discounts are the tread and rubber that protect your money on the road to cost-efficiency. AIS lists a few discounts its customers can take advantage of to lower their rates.

Auto Insurance Discounts Offered by AIS
Discount NameDiscount Percentage
Multiple Vehicle15%
Good Driver20%
Anti-Theft Device2%
Good Student15%
Cycle Safety (Motorcycle Insurance only)5%
Multiple Policy (Bundle Option)15%
Mature Driver5%
Group/Association5% to 15%
Home Alarm2%
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It’s important to know that car insurance discounts don’t compound in percentage but in dollar amounts. When your auto insurance quote is reviewed, you’ll see different amounts being deducted from the total amount of the insurance policy.

AIS Coverage Options

Most auto insurance companies, even companies with specialty lines of insurance, offer basic auto insurance coverage. These are:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)
  • Medical Payments (Med Pay)

AIS auto insurance also has a deductible system. A deductible is the amount of money the insured is required to pay to the auto insurance provider before they are liable for any damages. Deductibles are meant to reduce the expenses of processing small claims.

AIS vs. Competitors

Many customers find that Auto Insurance Specialists (AIS) makes their life easier by having so many communication channels open.

It is possible to make changes to your insurance plan online without having to call or visit them.

You can manage your own policy, and add, or change driver names as well as other information.

They do not charge any fees for making changes to the policy. The Pick Your Price system is also much appreciated for its tailor-made coverage.

As per the company’s blog, they pride themselves on exceptional customer service.

They test any insurance provider’s customer service system to review the company’s financial stability, their AM Best rating, and any complaints on file to ensure that the quotes you receive are from authentic companies with quality services and products.

Frequently Asked Questions

#1 – What is Mercury Insurance?

Mercury Insurance provides insurance in the state of Georgia. Like Auto Insurance Specialists, this company is a subsidiary or smaller company under the parent company Mercury General.

#2 – What’s the difference between AIS auto insurance and AIS car insurance?

Auto and car are two terms that mean the same thing and are used interchangeably in the insurance industry.

#3 – What’s the difference between an auto insurance agent and an auto insurance broker?

An auto insurance broker represents an auto insurance buyer, but an auto insurance agent represents one or more insurance companies.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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