AIS Auto Insurance Review (2023)

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: Jan 17, 2023Fact 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...

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

UPDATED: Jan 17, 2023

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: Jan 17, 2023

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: Jan 17, 2023Fact Checked
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Auto Insurance Specialists

Average monthly rate for good drivers:

$100

A.M. Best rating:

N/A

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

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 company for you.

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.

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.

Is AIS a Good Choice?

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 a provider of California auto insurance. It later expanded to add homeowners, renter’s, motorcycle, earthquake, classic car insurance, 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

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.

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 average auto insurance cost per month 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.

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
Get Your Rates Quote Now

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 car insurance 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
Virginia$393
Hawaii$426
West Virginia$433
Massachusetts$446
Ohio$452
Maine$492
Iowa$497
Idaho$497
Washington$510
New Hampshire$525
Wyoming$533
Montana$537
Vermont$539
Kansas$547
Nebraska$547
Illinois$551
Missouri$555
North Carolina$566
Indiana$569
Alaska$570
New Mexico$577
Oregon$578
Alabama$594
Wisconsin$601
Utah$602
Tennessee$610
Median$610
Mississippi$611
California$615
Arizona$628
South Carolina$630
Colorado$646
South Dakota$664
Pennsylvania$672
Texas$674
Arkansas$687
Oklahoma$690
North Dakota$694
New York$715
Minnesota$734
District of Columbia$740
Maryland$764
Connecticut$770
Florida$780
Nevada$810
Georgia$828
Rhode Island$834
Kentucky$866
New Jersey$919
Louisiana$952
Delaware$998
Michigan$1,750
Get Your Rates Quote Now

As you can see, Virginia auto insurance is the cheapest, while Michigan auto insurance 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.

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
Virginia$2,358$65,7303.59%
Hawaii$2,556$69,2873.69%
West Virginia$2,595$63,3434.10%
Massachusetts$2,679$72,0603.72%
Ohio$2,710$61,9874.37%
Maine$2,953$60,6644.87%
Idaho$2,979$58,1575.12%
Iowa$2,981$66,3144.50%
Washington$3,059$71,5814.27%
New Hampshire$3,152$63,3094.98%
Wyoming$3,200$66,3144.83%
Montana$3,221$66,3144.86%
Vermont$3,234$64,9014.98%
Kansas$3,280$60,9105.38%
Nebraska$3,284$70,1224.68%
Illinois$3,305$61,1635.40%
Missouri$3,329$57,4355.80%
North Carolina$3,393$65,7665.16%
Indiana$3,415$60,0335.69%
Alaska$3,422$58,1525.88%
New Mexico$3,464$72,7714.76%
Oregon$3,468$62,2595.57%
Alabama$3,567$66,3145.38%
Wisconsin$3,606$61,7835.84%
Utah$3,612$61,4885.87%
Tennessee$3,661$62,3555.87%
Mississippi$3,665$57,3986.38%
California$3,689$65,2695.65%
Arizona$3,771$58,5016.45%
South Carolina$3,781$62,6326.04%
Colorado$3,876$62,2756.22%
South Dakota$3,982$63,4486.28%
Pennsylvania$4,035$62,9086.41%
Texas$4,043$58,6966.89%
Arkansas$4,125$62,4236.61%
Oklahoma$4,142$61,0906.78%
North Dakota$4,166$66,3146.28%
New York$4,290$66,3146.47%
Minnesota$4,403$62,5597.04%
Maryland$4,583$66,8046.86%
Connecticut$4,619$66,7286.92%
Florida$4,680$56,0468.35%
Nevada$4,862$53,4599.09%
Georgia$4,967$59,4248.36%
Rhode Island$5,003$65,5127.64%
Kentucky$5,195$63,4778.18%
New Jersey$5,515$58,6279.41%
Louisiana$5,711$60,7199.41%
Delaware$5,986$62,3319.60%
Michigan$10,499$58,25318.02%
Get Your Rates Quote Now

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.

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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AIS Discounts Available

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.

Auto insurance 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%
Get Your Rates Quote Now

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%)
California$3,689$738$553$184
Florida$4,680$936$702$234
New Jersey$5,515$1,103$827$276
Texas$4,043$809$606$202
Virginia$2,358$472$354$118
Get Your Rates Quote Now

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 with a good student discount or a discount for taking 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 your 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 on car insurance. 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 file 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.

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.

AIS Coverage Options

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

AIS auto insurance also has a deductible system. An auto insurance 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 car reimbursement coverage, roadside assistance, and Gap insurance. 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 an option to save money by bundling insurance policies where you can combine your AIS auto insurance with an AIS home insurance policy.

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.

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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