Compare AIG vs. State Farm Insurance

Get affordable car insurance quotes from top companies like AIG and State Farm

AIG and State Farm are both some of the top names in the insurance industry. AIG was founded in 1919, and State Farm was founded in 1922. While AIG has a fast follow-up and claims pay-out process, State Farm offers competitive discounts, excellent online and mobile features, and a large number of agents.

However, AIG has received criticism for its customer service and claims management, and State Farm. Still, both companies have a broad selection of driver discounts and good financial strength ratings.

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 State Farm
Best If AIG
  • You want a wide selection of insurance products
 State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Worst If AIG
  • You want a close, strong relationship with your insurance agent. The company is so big that forming bonds can be difficult
 State Farm
  • You want mechanical breakdown coverage

Special Car Insurance Discounts

AIG State Farm
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. 

 State Farm

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Compare Insurance Prices

Comparing quotes is the best way to get your lowest rates from top insurers like AIG and State Farm. QuoteWizard is an independent company that helps you find your right policy at your best rate.

Standard Car Insurance Discounts

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

Consumer Complaint Data

AIG Auto Insurance State Farm Auto Insurance
2016 11 105
2015 29 155
2014 22 178
2013 17 135

U.S. Auto Insurance Shopping Study (2016)

AIG Auto Insurance State Farm Auto Insurance
Overall Purchase Experience Above average
Policy Offerings Above average
Pricing Average
Local Agent Among the best
Call Center Representative --
Insurer Website Average

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

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

Financial Strength Ratings

AIG Auto Insurance State Farm Auto Insurance
A.M. Best A- A++
Moody's A1 Aa1
S&P's A+ AA

Mobile Apps

AIG State Farm
AIG State Farm

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

  • View your insurance card
  • File or view a claim
  • Access Roadside Assistance
  • Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture

This app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools

This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

Click here to learn more and download any of these State Farm mobile apps. 

 

Roadside Assistance

AIG State Farm
AIG State Farm

State Farm Emergency Road Service

This service can help if you need:

  • Mechanical labor
  • Towing
  • Delivery of gas
  • Tire change
  • Battery jump-start
  • Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here.