Auto Insurance Comparison
Quick verdict
Shelter 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.
| Shelter | AIG | |
|---|---|---|
| Overall score | 3.95 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | Shelter Insurance is a Midwest-focused mutual that consistently ranks well on customer satisfaction in its operating states | 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 | Shelter review → | AIG review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Shelter | AIG |
|---|---|---|
| Customer experience | 4.20 | 4.10 |
| Coverage breadth | 4.00 | 4.60 |
| Affordability | 3.70 | 2.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Shelter
Full review →Pros
- Strong customer satisfaction reputation in operating states
- Mutual structure — policyholder-owned, no shareholder pressure
- Local agent network with deep state-specific expertise
- Bundling discounts when combined with home or umbrella
Cons
- Available in only 14 states, mostly Midwest
- No online quoting — every policy runs through an agent
- Mid-market pricing, not a budget option
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.
Shelter
AIG
The bottom line
Shelter
Shelter is a solid choice in its Midwest footprint, particularly if you prefer agent-based service. Outside its operating states, it isn't an option.
Read the full Shelter 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.