AIS auto insurance review: A variety of coverage options 

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Editors’ take: AIS could work for those interested in comparing rates and coverages from top auto insurers. But if you’re looking to pursue an insurance company directly or want to take advantage of specific bundling opportunities, AIS might not be the best choice for you.

AIS auto insurance at a glance

Auto Insurance Specialists (or AIS) isn’t an auto insurance company. Instead, they help you get quotes from insurance companies to help you find the best option for your situation.

AvailabilityQuotes available in all 50 states and Washington, D.C.
J.D. Power customer satisfaction ratingsNot applicable (AIS is not a direct insurer)
How to get an insurance quoteOnline or over the phone
How to submit a claimNot applicable (AIS doesn’t provide auto insurance)


  • Provides side-by-side quotes from a range of companies
  • Offers quotes in all 50 states and Washington, D.C.
  • Potentially able to get quotes for rideshare drivers


  • Doesn’t directly offer auto insurance
  • May find better quotes elsewhere

What you need to know about AIS auto insurance

AIS is a wholly owned subsidiary of Mercury Casualty Company and was founded in 1968 in California. While AIS offers quotes in all 50 states and Washington, D.C., coverage availability may vary and may be unavailable for some people in certain situations. If you’re considering getting quotes from AIS, here’s what you should know.

Provides quotes from a range of companies

AIS provides quotes from companies that may fit your auto insurance needs. The quotes are displayed together on one page so you can compare insurance premiums side by side.

Doesn’t provide quotes from all insurance companies

AIS doesn’t work with all auto insurers. You may find a better deal from an insurer that AIS doesn’t partner with. AIS doesn’t work with some larger insurers, such as Geico and Allstate.

Auto coverage offered by AIS

AIS doesn’t offer auto insurance policies directly but instead connects you with insurers that may provide coverage, including auto, motorcycle and classic car insurance coverage. AIS currently partners with many insurance companies. Here are a few.

  • Mercury
  • Travelers
  • Kemper
  • Dairyland
  • MetLife
  • Safeco

Each insurer offers its own insurance products but should meet the minimum requirements in the states they serve. Types of available coverage vary by state. Examples of types of auto insurance coverage you may be able to get could include …

Auto insurance discounts offered by AIS

AIS doesn’t directly offer any discounts, but its partners do. Auto insurers tend to have similar sets of discounts that may include …

  • Multipolicy
  • Multicar
  • Continuous coverage
  • Good student
  • Driving tracking
  • Homeowner
  • Pay in full
  • Automatic payment

Is AIS the same as Mercury?

AIS is a wholly owned subsidiary of Mercury Casualty Company. This means that AIS is a part of Mercury Casualty, though it (AIS) operates independently from its parent company.

How do I contact AIS?

You can contact AIS’s sales department by calling 888-772-4247 or their customer service department at 800-493-7879.

You can also speak to a live agent using the chat feature on their website or send a letter to their post office box at the following address:

Auto Insurance Specialists

P.O. Box 10160

Santa Ana, CA 92711-0730

Not sure if AIS auto insurance is right for you? Consider these alternatives.

  • Geico auto insurance: This auto insurer isn’t on AIS’s list and may be worth checking into if you’re looking for an insurer that offers a variety of discounts and bundling options.
  • Allstate auto insurance: This is another auto insurer that AIS doesn’t work with and that also offers various discounts, including for safe driving.

About the author: Lance Cothern is a freelance writer specializing in personal finance. His work has appeared on Business Insider, USA and his website, Lance holds a Bachelor of Business Administration in … Read more.