Auto Insurance Comparison
AIG vs State Auto
Side-by-side comparison of AIG vs State Auto auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
AIG is essentially tied with State Auto 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.
| AIG | State Auto | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | 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 | State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Auto brand through independent agents |
| Read full review | AIG review → | State Auto review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | AIG | State Auto |
|---|---|---|
| Customer experience | 4.10 | 3.80 |
| Coverage breadth | 4.60 | 3.90 |
| Affordability | 2.50 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
State Auto
Full review →Pros
- Now backed by Liberty Mutual financial strength
- Independent agent distribution with shop-around flexibility
- Multi-line bundling discounts
- Solid customer satisfaction in operating states
Cons
- Geographic concentration in Midwest and Southeast
- Recent acquisition means brand and service evolution still underway
- Mid-market pricing, not a budget option
Coverage at a glance
What each carrier offers in standard policies.
AIG
State Auto
The bottom line
AIG
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 reviewState Auto
State Auto is a fine regional choice in the Midwest and Southeast through an independent agent. The Liberty Mutual acquisition adds financial strength but the long-term brand identity is still settling.
Read the full State Auto 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.