Compare AIG vs. Farmers Insurance

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AIG and Farmers Insurance are two top companies in the world of insurance. AIG was founded in 1919, while Farmers was founded in 1928. While AIG is liked for its wide selection of insurance products and unique driver discounts, Farmers’ popularity stems from its extensive policy options, competitive premiums, and good customer service.

However, AIG has issues with customer service and claims management, and Farmers has its share of problems with poor online learning materials and limited driver discounts. Still, both companies have good financial strength ratings, and Farmers has decent J.D. Power ratings as well.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AIG Farmers
Best If AIG
  • You want a wide selection of insurance products
Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Worst If AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult
Farmers
  • You want slick online tools to manage your policy

Special Car Insurance Discounts

AIG Farmers
AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Standard Car Insurance Discounts

Bundling Coverage Discounts AIG Farmers
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AIG Farmers
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AIG Farmers
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AIG Farmers
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AIG Farmers
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AIG Farmers
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AIG Insurance Farmers Car Insurance
2016 11 167
2015 29 262
2014 22 237
2013 17 300

U.S. Auto Insurance Shopping Study (2016)

AIG Insurance Farmers Car Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Below average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AIG Insurance Farmers Car Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Above average
Appraisal Average
Repair Process Average
Rental Car Experience Average
Settlement Average

Financial Strength Ratings

AIG Insurance Farmers Car Insurance
A.M. Best A- A
Moody's A1 Aa3
S&P's A+ A+

Mobile Apps

AIG Farmers
AIG Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Roadside Assistance

AIG Farmers
AIG Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services.