Auto Insurance Comparison
Selective vs AIG
Side-by-side comparison of Selective vs AIG auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Selective 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.
| Selective | AIG | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | Selective Insurance is a Northeast-rooted multi-line carrier where personal auto sits alongside a substantial commercial book | 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 | Selective review → | AIG review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Selective | AIG |
|---|---|---|
| Customer experience | 3.90 | 4.10 |
| Coverage breadth | 4.00 | 4.60 |
| Affordability | 3.60 | 2.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Selective
Full review →Pros
- Strong claims-handling reputation across personal and commercial lines
- Multi-line bundling potential including commercial coverage
- Independent agent distribution with shopping flexibility
- Solid financial strength
Cons
- Geographic limitation — Northeast/Mid-Atlantic focus
- No online quoting — independent agents only
- Mid-market pricing in a competitive region
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.
Selective
AIG
The bottom line
Selective
Selective is a fine regional choice in the Northeast and Mid-Atlantic, particularly for buyers bundling personal and commercial lines through an independent agent.
Read the full Selective 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.