Auto Insurance Comparison
Quick verdict
Pekin edges ahead AIG in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Pekin | AIG | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | AIG's personal auto offering is part of its Private Client Group, designed for high-net-worth households with valuable vehicles, complex coverage needs, or international exposure |
| Read full review | Pekin review → | AIG review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | AIG |
|---|---|---|
| Customer experience | 4.00 | 4.10 |
| Coverage breadth | 3.80 | 4.60 |
| Affordability | 3.70 | 2.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
AIG
Full review →Pros
- Among the deepest coverage menus in the personal-auto market
- High-limit options for valuable vehicles and complex risk profiles
- Strong claims-handling for high-value losses
- Integration with broader AIG private-client services (international, art, jewelry)
Cons
- Premium pricing — not competitive for mainstream shoppers
- Eligibility limited to high-net-worth households (typical minimums apply)
- Less geographic availability than mainstream carriers
Coverage at a glance
What each carrier offers in standard policies.
Pekin
AIG
The bottom line
Pekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin reviewAIG
AIG Private Client makes sense for high-net-worth households with complex coverage needs and valuable vehicles. For mainstream auto coverage, look at GEICO or Progressive instead.
Read the full AIG reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.