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...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 30, 2022

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Just the Basics

  • AIS Insurance helps clients find car insurance policies by comparing options from several car insurance companies at once
  • Clients can search for different policy types and coverage amounts with AIS
  • The amount you pay for car insurance through AIS depends on age, gender, coverage type, etc.

AIS — an acronym for Auto Insurance Specialists — is an insurance company that primarily focuses on auto insurance policies. However, it is not a typical insurance company, working as an auto insurance agent that connects clients to different car insurance companies based on their situation and needs.

Many people find it challenging to shop for car insurance to find the best cheap car insurance companies in their area. AIS Insurance exists to assist clients in searching for a policy that will work best for them. In most cases, AIS helps people choose a car insurance option that will offer the coverage they want at a reasonable price.

How does AIS Insurance work?

Typical insurance companies sell policies online by offering quotes. AIS insurance offers online quotes also, but these quotes are not from one insurance company. Instead, AIS pulls quotes and policy information from numerous companies at once so potential customers can choose the best option for them.

In this way, AIS acts as a broker since it does not underwrite policies. Instead, it assists other companies in selling their policies to consumers who could benefit from them.

Anyone who wants to search for car insurance from several companies through one neutral location may wish to consider AIS. Car insurance policy options with AIS include standard liability and add-ons for more robust protection.

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What car insurance types does AIS Insurance offer?

AIS Insurance allows clients to choose coverage levels for their car insurance. In some instances, that may mean a simple, liability-only policy. However, other individuals may want a full coverage policy that includes collision, comprehensive, or other add-ons.

The table below shows clients’ additional coverage options when searching for a policy with AIS.

Types of Auto Insurance Coverage
Types of CoverageWhat it Covers
Collision Collision helps to recover the cost of repair or replacement if your car is damaged due to a collision with another object, such as a tree, fence, or another car.
ComprehensiveComprehensive covers damages to your car that happen due to causes out of your control, such as storms, theft, fire, etc.
Medical PaymentsMed Pay helps to cover the medical expenses from injury to you or your passengers in an accident irrespective of the fault.
Personal Injury Protection (PIP)PIP, as the name suggests, kicks in to cover your personal injury expenses in an accident irrespective of fault. Along with medical expenses, PIP also covers lost wages.
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In addition to these options, clients may have the opportunity to choose a roadside assistance plan or other coverage add-ons.

Can you get discounts with AIS Insurance?

Like policies purchased through AIS, any discounts you find through its service come from the car insurance company rather than AIS Insurance. However, there are many discounts available.

The table below shows some of the most common car insurance discounts and the average discount.

Common Car Insurance Discounts and Average Savings
DiscountSavings up to:
On-Time Payments5%
Paperless/Auto Billing5%
Anti-lock Brakes10%
Anti-Theft10%
Early Signing10%
Full Payment10%
Multiple Policies10%
Paperless Documents10%
Driving Device/App10%
Newer Vehicle15%
Safe Driver15%
Distant Student35%
Driver's Ed35%
Good Student35%
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If you believe you may be eligible for a specific discount with a car insurance company and AIS does not give you that option, you could call the company and speak to a representative.

How much is car insurance with AIS?

Since AIS Insurance Group offers a variety of coverage options with several companies, there’s no way to know how much you will pay for coverage until you get a quote.

The table below shows popular companies’ average annual full coverage car insurance rates based on age and gender.

Average Annual Full Coverage Car Insurance Rates By Age and Gender
Company17-Year-Old Female17-Year-Old Male25-Year-Old Female25-Year-Old Male35-Year-Old Female35-Year-Old Male60-Year-Old Female60-Year-Old Male
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98
GEICO$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38$2,240.60$2,283.45
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43$2,130.26$2,214.62
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75$2,336.80$2,448.39
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27$1,991.49$2,048.63
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01$2,913.37$2,990.64
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51$2,051.98$2,074.41
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
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Several factors affect the price of car insurance, so you may pay more than the average listed for your age and gender because of where you live, the policy type, your driving history, and more.

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Does AIS have a good website?

The AIS company website allows clients to search for free car insurance quotes using minimal personal information. Consumers do not need an AIS Insurance login or AIS Insurance phone number to get an insurance quote.

Since AIS Insurance does its work online, it is unlikely you will need to reach out to an AIS insurance customer service representative. However, you’ll find plenty of AIS agents who have received their insurance designation and can help you with any problems.

Does AIS have good ratings and reviews?

While AIS Insurance does not have a rating with A.M. Best, the company touts an A+ rating with the Better Business Bureau. Since AIS does not sell insurance policies, there are no AIS insurance reviews on the BBB website.

Should I buy car insurance through AIS?

If you are searching for a car insurance policy but feel overwhelmed by the idea of choosing an option yourself, AIS Insurance may be a good choice for you. The company can help you narrow down what you’re looking for and find quotes from multiple companies to know what monthly rates to expect.

However, it’s still a good idea to shop around independently or use other free online quote tools to ensure you’re getting the best deal on car insurance coverage. Using additional tools or reaching out individually to insurance companies can keep you from overpaying for a policy.