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.

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 2022

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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.

Company Details
Address: 999 North Sepulveda Boulevard
City: El Segundo
State: California
ZIP Code: 90245-2714
Phone Number: 888-772-4247
Year Founded: 1968
Company Rating 5 (1 review)

Things to remember...

  • AIS auto insurance policies are available in all 50 states.
  • They have a significant presence in Oklahoma, Texas, New Jersey, Florida, and Virginia.
  • AIS offers other benefits like rental reimbursement coverage and roadside assistance.
  • Rideshare drivers can also get insurance through AIS.

Most smaller companies are specialty insurance companies, limiting your auto insurance options to bigger companies. Auto Insurance Specialists, otherwise known as AIS auto insurance offers a variety of insurance services including auto insurance.

AIS insurance reviews can be harder to find due to the company’s size, and you don’t have time to do the research. Read this AIS Auto Insurance Review to decide if AIS is the best auto insurance choice for you

More: Western Mass Auto Insurance Review

We’ve got you covered. If you’re searching for how to save money on auto insurance through AIS, read this guide. We’ll go over the coverage options, ratings, AIS Auto Insurance reviews, and more for AIS.

Start comparing auto insurance quotes right now for free by entering your ZIP code in the box above.

Table of Contents

Does the Company Have Affordable AIS Auto Insurance Rates?

AIS is an auto insurance agency, which means they work with a variety of companies. That means the rates can vary quite a bit. Since AIS doesn’t underwrite their own policies, there are no specific rates available.

More: The Zebra Auto Insurance Review (2022)

AIS can help you to compare rates from the companies they work with and help you to find the best price for you.

For the rest of this section, we’ll show you the auto insurance average for monthly costs from all 50 states. This will give you an idea of what to expect, although your rates may be higher or lower.

What is AIS’s availability by state?

According to the AIS website, AIS auto insurance policies are available in all 50 states. There are AIS insurance locations across the U.S., but they have a significant presence in Oklahoma, Texas, New Jersey, Florida, and Virginia.

More: Insurify Auto Insurance Review [2022 Rate Quotes]

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
West Virginia$2,595
New Hampshire$3,152
North Carolina$3,393
New Mexico$3,464
South Carolina$3,781
South Dakota$3,982
North Dakota$4,166
New York$4,290
District of Columbia$4,439
Rhode Island$5,003
New Jersey$5,515
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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.

What if the AIS auto insurance policy is a six-month policy? We can find the auto insurance rate for a six-month policy by dividing the average annual rate of each state by two. Let’s look at the estimated auto insurance rates for six-month policies.

Average Six-Month Auto Insurance Rates by State
StatesAverage Six-Month Rates
West Virginia$433
New Hampshire$525
North Carolina$566
New Mexico$577
South Carolina$630
South Dakota$664
North Dakota$694
New York$715
District of Columbia$740
Rhode Island$834
New Jersey$919
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More: American Auto Insurance Review

As you can see, Virginia is the cheapest state for auto insurance, while Michigan is the most expensive.

These averages are usually calculated to include all auto insurance coverages, which is why most average annual rates are $1,200 or more.

Does your income affect AIS auto insurance rates?

Your income doesn’t necessarily affect your auto insurance rates. However, auto insurance can obviously have an impact on your income. If you’ve seen our previous guides, you probably noticed that we calculate auto insurance rates as a percentage of income.

More: Liberty Mutual RightTrack Review (2022)

We use average auto insurance rates and factor them into annual incomes (salaries) in data summaries to give you an idea of how much auto insurance can affect an annual income.

Let’s look at the average annual rates by state, average annual income by state, and auto insurance as a percentage of income.

Average Annual Auto Insurance Rates as a Percent of Income by State
StatesAverage Annual RatesAverage Annual IncomeInsurance as a Percentage of Income
West Virginia$2,595$63,3434.10%
New Hampshire$3,152$63,3094.98%
North Carolina$3,393$65,7665.16%
New Mexico$3,464$72,7714.76%
South Carolina$3,781$62,6326.04%
South Dakota$3,982$63,4486.28%
North Dakota$4,166$66,3146.28%
New York$4,290$66,3146.47%
Rhode Island$5,003$65,5127.64%
New Jersey$5,515$58,6279.41%
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How much of your income is going toward car insurance? Simply divide your annual rate for auto insurance into your annual income. For example, divide a $3,200 auto insurance policy into an annual income of $35,000. It should look like this: 3,200 / 35,000.

More: The Best Car Insurance Apps

This will give you a decimal answer of 0.0914. Move the decimal to the right two places and that will be the percentage (9.14 percent) of your income you pay for car insurance.

Do you think you’re paying too much for auto insurance? Compare auto insurance rates from different companies with our free comparison tool below.

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What are the AIS Auto Insurance Coverages Offered?

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)

More: Dollar-a-Day Auto Insurance

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 customers may also be eligible for rental reimbursement coverage, roadside assistance, and guaranteed auto protection (GAP). Since some motorists earn money driving for rideshare companies, AIS provides rideshare insurance, also.

What are AIS’s auto insurance bundling options?

AIS doesn’t just offer auto insurance. If you own a home, AIS may offer a bundling option where you can combine your AIS auto insurance with an AIS home insurance policy.

More: NerdWallet Auto Insurance Review (2022 Guide)

Do you have a motorcycle? AIS motorcycle insurance coverage can be bundled into your auto insurance policy as well.

But do you really save money when you bundle your auto insurance with other insurance policies like motorcycle, renter’s, or homeowners insurance? Learn about the pros and the cons of bundling your auto insurance with other insurance policies.

Between the advice from the video and the discounts available from AIS, you can definitely save money, but it won’t hurt to shop around to see if you can find a cheaper rate for other insurance coverages.

What auto insurance discounts are offered by AIS?

More: Root Auto Insurance Review 2022

We’ve seen how auto insurance can impact a person’s finances. The less money you earn, the more auto insurance can affect your income and hard-earned savings.

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.

Let’s look at how much discounts can deduct from annual auto insurance rates.

AIS Discounts Applied to Average Annual Auto Insurance Rates
StateAverage Annual RatesGood Driver Discount
(up to 20%)
Multiple Vehicle Discount
(up to 15%)
Mature Driver Discount
(up to 5%)
New Jersey$5,515$1,103$827$276
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Take California for example. The average cost for auto insurance in California is $3,689. If you’re a mature driver (55 years or older) and have a clean driving record, you can save up to $922 on your auto insurance.

Young drivers can also save money through discounts if they’re a good student or have taken U.S. General Services driving safety courses. An AIS agent can tell you more about other discounts they have. Contacting an agent is also a great way to get an AIS Insurance quote.


What programs are available from AIS?

AIS doesn’t appear to have any programs except for the AIS Referral Program. The AIS Referral Program works when a new customer signs up for AIS auto insurance or another AIS service after the recommendation of a current AIS customer.

Here are the eligibility requirements for the AIS Referral Program:

  • The Referral Reward is available to the insured customers of AIS.
  • Current customers who receive referral rewards are limited to $500 per calendar year.
  • The current customer or referred party must have a valid email address to receive an electronic Referral Reward.

When new customers are settled in, they will be able to refer their friends, colleagues, or others to AIS.

What is the Process of Cancelling Your AIS Auto Insurance Policy?

Although the company doesn’t provide explicit instructions on how you can cancel your AIS auto insurance policy, we can give you some information on how you cancel any auto insurance policy to give you some idea of the process.

This section will go cover some common questions about insurance policy cancellation, such as whether you’ll have a cancellation fee, when you can cancel your auto insurance, and whether you’re eligible for a refund.

Does AIS have a cancellation fee?

When you want to cancel your auto insurance policy, the auto insurance agent may mention that there’s a fee. Fees will vary. Some auto insurance providers may charge you a $25 fee or a percentage of your monthly rate or six-month auto insurance rate.

AIS doesn’t go into detail on any potential auto insurance cancellation fee, so the best way to find out if there’s a fee when you cancel your auto insurance policy is to contact an AIS auto insurance agent.

Can you get a refund after canceling an auto insurance policy?

Refunds are common among auto insurance customers who have paid their policies in full and then wish to cancel. Some customers prepay for their auto insurance policies after the quote process. Many insurance companies offer a discount to customers who choose to pay in full.

If you’ve paid in full and you need to cancel your policy, you may be entitled to a refund. The auto insurance company will refund you for the auto insurance that you didn’t use.

How the refund is processed is different for each company. And states, such as California, may have legislation governing how refunds are handled.

How do you cancel an AIS auto insurance policy?

Always give any auto insurance provider proper notice that you want to cancel your auto insurance policy. Your first step will be to contact an AIS insurance agent.

You can contact AIS agents through their toll-free customer service number at 1-888-772-4247, Monday through Friday, from 7 a.m. to 9 p.m. PST, or 8 a.m. to 8 p.m. on Saturdays and Sundays. You can also fax the AIS customer service team toll-free at 1-877-852-3580.

This will help you learn how to cancel your AIS auto insurance.

Explain to the AIS agent that you want to cancel your auto insurance policy. They will walk you through what you need to do next. Be sure to have your policy number and other personal information when you call.

After you cancel your auto insurance policy, you must notify the DMV when you’re not insured. Sometimes, your next auto insurance policy won’t start right away.

Can you cancel your AIS auto insurance policy at any time?

Any auto insurance customer can cancel their auto insurance policy at any time. Some states in the U.S. recommend that insurance customers give their auto insurance providers at least 15-30 days notice when they want to cancel their auto insurance policy.

Most auto insurance companies will accept a customer’s request for canceling their auto insurance policy when they give the company proper notice.  Note that AIS may be issuing premium reductions to all auto insurance customers due to Covid-19.

How to make an AIS Auto Insurance Claim

If you need to make an auto insurance claim with Auto Insurance Specialists, you may have to jump through a few more hoops to do so. This is because AIS is an auto insurance mediator between the auto insurance company and the customer.

AIS helps you find policies in your local area. Therefore, you would have to file a claim with one of AIS’s affiliates. There is no AIS insurance login to file a claim online.

Learn how you can file a claim with AIS or your auto insurance provider.

Smartphones have features that allow you to take photos of the damage after an incident to send to your insurance provider. Remember to snap a few pictures of the damage and the scene of the accident, and get a copy of the police report if you can.

To learn about receiving AIS car insurance quotes, read on.

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How to Get AIS Auto Insurance Quotes Online?

AIS has a different approach to providing auto insurance. AIS gives quotes from other companies in your area outside of California. In other words, AIS auto insurance policies are actually auto insurance quotes from other insurance companies in your area.

If you’d like to compare auto insurance quotes, you can do so right here. Just enter your ZIP code in the free comparison tool to get started.

What are AIS Auto Insurance Ratings?

There isn’t any information available about Auto Insurance Specialists from financial rating organizations like A.M. Best, Standard & Poor’s, or Moody’s.

However, the company does have a profile with the Better Business Bureau (BBB). AIS’s current rating from the BBB is an “A+.” There have been 10 complaints lodged with the BBB against AIS in the past three years.

What’s AIS Auto Insurance History?

Auto Insurance Specialists was founded in 1968 as an auto insurance provider in California and later expanded to add homeowners, renter’s, 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.

How is AIS’s online presence?

AIS’s website provides information about different types of insurance coverage and allows potential customers to get a quote for an auto insurance policy. Current AIS customers can log into their account to file a claim or pay their insurance premiums.

AIS has a YouTube channel where you can see all of their advertising videos and general information about their company.

Does AIS have commercials?

AIS has a few commercials that you can view on its YouTube channel. You may have seen some of these commercials on TV if you live in California, Oklahoma, or Texas.

AIS commercials are less than two minutes long and provide some basic information, including the AIS insurance phone number. The central message is that AIS can save you money on your auto insurance policy.

You might also hear radio stations like 92.3 play car insurance ads for AIS as well in California.

Is AIS involved in the community?

We searched the AIS website, but there is no mention of any involvement in nonprofit work or community volunteering. However, the company may have events or programs that aren’t posted online.

Most auto insurance companies, regardless of size, get involved in community outreach. AIS is likely no different.

For Auto Insurance Specialists Reviews from employees, check out the section below.

What do AIS employees have to say?

AIS has managed to keep a moderate rating among employees. Glassdoor reported that Auto Insurance Specialists has a rating of 3.4 stars.

Sixty-four percent of AIS employees said they would recommend AIS insurance careers to a friend, and 100 percent of employees reported approving of the CEO, Mark Risibi. There are about 1,000 employees that work for AIS.

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Design of AIS Auto Insurance Website

The AIS car website is set up so you can easily navigate to different pages. Click on each link in the navigation banner on the top to access other parts of the website.

The website is designed to fit well on the screen of any device, such as a smartphone, computer screen, or tablet.

AIS Auto Insurance: What’s 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.

What kinds of insurance does Auto Insurance Specialists offer?

A California-based car insurance company, Auto Insurance Specialists (AIS), is one of the biggest insurers in California when it comes to personal insurance lines.

It has a reputation that precedes it with over 40 years of insurance experience.

Founded in 1968, Auto Insurance Specialists (AIS) has a large number of policyholders in California running into more than 400,000 members.

As far as auto insurance companies go, one will be hard-pressed to find another company that is as respectable as Auto Insurance Specialists (AIS).

While the name of the company says enough about its specialized scope, the unique selling point of the company lies in the fact that it is a niche insurance provider for the state of California.

Their many offices and branches provide avenues to many insurance products. When dealing with other auto insurance companies, Auto Insurance Specialists (AIS) acts as a broker.

The company started off small and dealt primarily with car insurance but, with experience that ranges over four decades, they have added many other insurance services to their repertoire.

They currently provide insurance coverage for cars as well as the following:

  • motorhomes
  • RV (recreational vehicles)
  • boats
  • watercrafts
  • mobile homes
  • business auto insurance
  • homeowners
  • renters

They also act as insurers for motorcycles, Mexican vehicles, vintage, and classic cars. Auto Insurance Specialists (AIS) help you choose the right coverage for your vehicle or other insurance needs.

As they don’t host products of their own, you will have a wide variety of quotes from many different carriers to choose from.

This way you can get the best product that meets your insurance needs and rest assured that you are receiving it at the most reasonable prices.

Comparison shopping will help you meet your insurance needs easily.

Their renewal department is constantly on the lookout for a better deal and they periodically re-shop all their carriers so that they have the best combination of savings and quality of insurance products.

Put in your zip code here for online auto insurance quotes in your area.

What are the Auto Insurance Specialists (AIS) Locations?

The company’s current headquarters are located at the El Segundo location, but they have offices spread over the length and breadth of California.

With a total of 23 locations, their services are the most wide-reaching ones and you will always find an Auto Insurance Specialists (AIS) office somewhere near you.

They operate as a wholly owned and independently operated subsidiary of Mercury Casualty Company which is also based in California.

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How to get Auto Insurance Specialists (AIS) Quotes?

California is one of the top five states which have the highest auto insurance premiums.

As such, the needs of the people here revolve around getting dependable and encompassing coverage that does not cost an arm and a leg.

In a situation like this, the Auto Insurance Specialists (AIS) mode of operations works out very well for anyone who is out insurance shopping as they have the widest variety to choose from.

Attaining quotes from Auto Insurance Specialists (AIS) is a simple process.

You can simply walk into any one of their offices, speak with an agent, clarify your needs and requirements, and you will be provided with a collection of quotes from a multitude of carriers that you can then choose from.

They have a number that you can call them on during the week and, if you don’t get them within their specified hours, you can use their Call Me link on the website so that one of the AIS agents will get back in touch with you as soon as possible.

You can also email them with any questions or problems that you may have.

Many customers have been vocal about their quick response time and are happy with their customer service skills.

They also have the ability to give an instant quote through an electronic form on their website. The form is simple and easy to understand.

Auto Insurance Specialists (AIS) follows a Pick Your Price system. This system allows you to literally pick your price.

AIS representatives have the expertise and knowledge to help you make the best choice of insurance carrier based on your needs and what the carriers have to offer.

You can also get additional coverage quotes for your vehicle which includes gap coverage, rental car reimbursement, mechanical breakdown as well as towing of the vehicle.

Once you select the quote that appeals the most to you, making the purchase is also very easy and can be done over the phone with the company’s agents, through their website portal or by walking in into any one of their branches.

The same procedure is followed for the renewal of insurance products as well.

What’s the Auto Insurance Specialists (AIS) Phone Number?

Auto Insurance Specialists (AIS) have many channels of communication open for their customers and sellers.

For sales purposes, the number to call is (888) 772-4247 between Monday and Friday, 7 am to 9 pm PST whereas if you are calling over the weekend, you can reach them between 8 am to 8 pm PST.

For any customer service related queries, customers can call the same number from Monday to Friday between 8 am and 6 pm PST. You can also choose to send them a fax at (877) 852-3580.

How to make Auto Insurance Specialists (AIS) Claims

As per the standard auto insurance policy in California through Auto Insurance Specialists (AIS), you will be able to make an auto insurance claim on the following coverage options:

  • bodily injury liability
  • property damage liability
  • medical expenses and payments
  • uninsured motorist’s
  • collision
  • comprehensive
  • physical damage

They have a dedicated customer service team that lends you their best local experts in case you need to file a claim.

They will help you with all the details you will need and any forms that you may need to complete. You can also simply go on to their website and report a claim online.

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What are the Auto Insurance Specialists (AIS) Reviews?

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, 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 customer service system 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.

How to Find Auto Insurance Specialists (AIS) Careers

Auto Insurance Specialists (AIS) is a subsidiary of Mercury Casualty Company and a leader in personal lines insurances. With 23 offices, they are constantly on the lookout for new talent.

You can find their career opportunities link on their website.

You will also be able to choose the location of the branch you wish to work at and depending on the vacancies; you will be able to view job descriptions and requirements.

If you match their requirements, you can also apply online directly.

They are known to offer competitive salaries, incentives, and bonus programs along with medical, dental, life, and vision care coverage.

They take care of your 401(k) retirement plan. Along with a credit union membership, employees also receive auto insurance discounts as well as access to employee assistance programs.

Just type your home ZIP code into the online tool and receive many free and competitive auto insurance quotes right now!

Frequent Asked Questions: AIS Auto Insurance

Now that you’ve read our AIS Insurance review, we’re going to wrap up our review with a few commonly asked questions. If you have any other questions or comments, use the comment section to voice your concerns.

#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.

#4 – Does Auto Insurance Specialists have a Northridge, CA location?

Yes. AIS insurance has a location at 8550 Balboa Blvd, Northridge, CA, 91325.

#5 – What are Mercury Auto Insurance Reviews, and are they related to AIS?

American Mercury Auto Insurance reviews have 4.6 out of five stars. Mercury Insurance doesn’t appear to have any affiliation to AIS. They are likely competitors that may serve customers in the same areas.

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