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Agency Insurance Company (AIC) Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Nov 30, 2018

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Agency Insurance Company (AIC)
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Something of a new kid on the auto insurance block, Agency Insurance Company of Maryland – or AIC – is a regional company that specializes in vehicle insurance. From personal auto to commercial and specialty vehicles, AIC has a full range of options and promises competitive rates.

Agency Insurance Company of Maryland Summary

Agency Insurance Company (AIC) was founded in 1990 in Maryland to provide an affordable alternative for auto insurance to local drivers. They have since expanded to cover several other states, offering insurance products in Pennsylvania, Virginia, and Florida. Their headquarters is located in Hanover, MD.

Unlike many other smaller auto insurance companies, AIC writes insurance policies for a complete range of vehicles, from two wheels to trailers. They aim to provide cost-efficient coverage with a solid insurance program that offers multiple options and discounts. They also promise low down payments and flexible payment plans, things we usually see offered by non-standard insurance companies. AIC, however, does not present itself as a non-standard insurer, at least not in any obvious way.

AIC policies are sold through independent agents across the states they serve – they do not offer online quoting or direct sales.

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Insurance Products

AIC insures all kinds of vehicles, including a standard personal auto insurance program and commercial vehicle coverage. They also cover many different specialty vehicles.

Personal Auto Insurance

AIC writes standard auto insurance coverage that includes all of the basics required by law, as well as common options such as comprehensive, collision, roadside assistance and rental reimbursement.

They have a fairly good list of available discounts as well, including multi-policy, homeowner’s (this is a discount for owning a home, and not an auto-home discount), and paid-in-full discounts. They also offer the option of accident forgiveness, which is one of the most popular add-ons and not always offered by smaller insurers.

Other Vehicles

AIC offers coverage for a long list of other types of vehicles, with coverage and availability varying by state:

  • Motorcycles
  • Mopeds
  • Snowmobiles
  • Scooters
  • Segways
  • Golf carts

Commercial Auto

AIC writes commercial auto coverage for vehicles that are used in various types of business activities. Policies include all of the basics of coverage as well as add-ons to suit the needs of the particular business. Among the commercial options they offer are:

  • Any Auto
  • On-Hook
  • Garage Keepers’
  • Motor Truck Cargo
  • Combined Single Limits up to $1 million

AIC Rates

AIC does not offer online quoting, and instead will direct you to an agent who can provide a quote. Due to the lack of quoting service and the fact that the company doesn’t write insurance in our rate test states, we are unable to provide a rate comparison.

The company promises low rates, however they write policies only through agents, which generally points to higher premiums than direct buy companies. Furthermore, small regional insurers rarely come in at premium levels that can compare to the larger national companies.

That said, this company does advertise low rates and budget-friendly payments, so they may well be competitive with similar companies.


AIC accepts claims over the phone, by fax, or via email. The toll-free, 24/7 claims line can be reached at 1-800-841-5241. The fax number is local-only; faxes can be sent to 410-684-3271.

The claims email address is This is the only option for filing a claim online; there is no online claims form for direct submission to the company.

The company’s website does not provide further information regarding their claims process, although it most likely follows a standard procedure of assignment to an adjuster, investigation, and determination of available benefits.

The site likewise doesn’t indicate whether or not they offer a preferred vendor network for guaranteed repairs. Not all smaller companies offer this service, but it’s not unheard of for a multi-state regional insurer like AIC.

It would be an added benefit to see a claims information page added to the website. This would provide a little more information, beyond just contact phone numbers, so that customers would be able to access information quickly.

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Consumer Research and Complaints

AIC, as Agency Services, Inc., has an A+ rating with the Better Business Bureau currently. There are only three complaints against the company in the past three years, two of which were closed in the past 12 months.

Google reviews for the company are across the board negative, with a few higher ratings near the bottom. Since these ratings aren’t accompanied by any comments it’s difficult to put any weight to them. The complaints are from both customers of AIC and those who were involved in an accident with an AIC-insured driver. They fall into two main categories: poor customer service and poor clams handling.

Although the reviews are mainly negative, there still aren’t a large number of them.

Financial Strength

Rating Company Grade Financial Outlook
AM Best B++ Positive
Fitch N/A N/A

Bottom Line

Agency Insurance Company of Maryland is a relative newcomer to the insurance market, and promises low rates – a promise we are unable to verify due to the lack of online quoting. Although they are not labelled as a non-standard company, they do give the impression of catering to a budget market, and may appeal more to those who haven’t had much luck with bigger companies.

AIC has a few complaints, and although there is nothing serious overall, there isn’t enough to highly recommend the company due to a general lack of detailed information on the website. You may want to consider them if you’re already receiving multiple quotes from an agent who offers their products, just to do a price comparison, but it would be wise to compare them against other companies before committing to a policy.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Agency Insurance Company
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. We were hit by one of their clients.

    We have been chasing the payment for almost 2 years.

    I have no idea how this is a legitimate business when they aren’t reliable and acted as if they are a “scammer?”.

    I was surprised that they are a real business online because it seems like a “ghost” function over there.

    I’ll continue to chase and I’m wondering if there’s a government agency that we can contact for their practices?

  2. So….first accident, non fault, it was a hit and run. I have it on video, sent AIC the video, the video clearly shows the hit and run taking place. This accident happened on 04/11/19, I filed the claim that exact day, police report, dash cam everything in hand.

    Today 4/18/19 my car finally gets towed to the body shop, the body shop calls at 5:45PM asking about the adjuster and does he have a quote. 11AM this morning I spoke the this “adjuster” who said he sent the quote over.

    I left the adjuster a voicemail saying, I’ve been a loyal customer for 3 going on 4 years, no lapses, no chargebacks, my first claim ever & I’m thinking about switching. He calls me back saying, well I tried to be nice and every time I do nice things it bites me.

    One, your personal problems are not my problems.

    Two, this is your job, if you did it the right way, not taking a week to tow a car to the body shop, then have the same body shop say hey where’s the correspondence from your adjuster, maybe your clients wouldn’t go ape poop on you.

    Customer service is awesome, as if they are only there to collect your money & that’s it.

  3. PLEASE PLEASE PLEASE DO YOUR RESEARCH BEFORE GOING WITH THIS COMPANY. To reveal their true colors and how nasty they are. Call them and ask to speak to a supervisor to discuss a problem with how a claim was handled. They will DEMAND you tell them your private issue first -which is illegal since they are not involved per HIPPA. But again, refuse to give them details and politely request any manager available and just watch how horrible they treat you. Don’t bother to email them “corporate” they will intercept that as well. Of course, it’s up to you but I’m just trying to warn everyone because their driver rear-ended me 4/6/18 going 70 mph and almost killed me and ruined my life and they’ve been nothing but nasty and even tried to say it was my fault.

  4. My car was in a legal parking spot. It was hit by another car when I wasn’t there. A police report was done and the driver was at fault. The car was insured by AIC on the date of the accident. The driver, however, had the last name of the insured. After several phone conversations, I was told that they have not got a hold of the owner of the car(who was fully insured) and were not able to confirm any of the facts of the accident. So this allows them to sent me this letter. ” We’ve completed our investigation for the above-listed loss. Unfortunately, we have determined there is no coverage for this loss. If you have any questions or any information that would alter this decision please contact me with that information”. So that’s it !!!! Yea looks like I will not get reimbursed for the damages. Is this Legal? There are a lot of other conversations that I had with both my insurance and his, to much to write.. I will be writing the BBB & the Maryland Insurance Administration to complain. Funny thing is, if you go on the BBB, you will find similar stories. Agency Insurance Co. NOT GOOD !!

    • They are the most unprofessional, rude and unethical insurance companies I’ve ever dealt with! I’m shocked they’re still in business. CALL them and watch what happens when you request a manager- THEY WILL REFUSE TO ALLOW YOU TO and they will talk to you like garbage! Seriously.. They will block all calls to their bosses to avoid being caught. I’d suggest you record the call, it is legal in that state. Because if you report them, they will lie as well. They lied to the Insurance Bureau and then refused to release the call recordings cuz they know they lied. They should be shut down permanently-hopefully they will get caught eventually but as of now, they’re still in business. Let us know what happens if you call them. I’m curious to see if they still refuse to let you speak to management-which is illegal.

  5. The worst insurance company ever I was in a car accident the car I was in was Insured by AiC. I called AiC on the day of the accident to check the status of The car Insurance and was told by a representative that the car was covered. Now I attempt to file a claim and I’m being told that the Insurance was canceled due to non-premium payment. This has to be illegal

  6. AIC, do not ever get insurance with these people and if you use an insurance broker never let them give you this company! I am on a fixed income and had this company for my auto insurance for 3 or 4 years. When my agent found a cheaper policy with the same/better coverage they would always have me transfer my insurance company (good deal right). When I was notified that I could save by going with another policy I went to their office and signed to have the EFT stopped from AIC prior to any deductions being made for the next month! Surprise when they took the money from my account (this has never happened before)!! When I called them they stated my policy had not been canceled so I called my broker and had them fax my cancellation!! Waited for 16 days for my refund and then they shorted it $98.00 because I canceled the EFT! WHAT?? Are you kidding ME?? Someone better get my money back is all I am saying, I have never been so rudely treated that is so unheard of who charges to cancel an EFT at that kind of ridiculous rate?? Anyone who uses this company needs their head examined because I will cancel my business if I find out that this is legal my broker will need to find another customer because I will go elsewhere!!

  7. Please please please DO NOT go with this insurance company. I just recently moved to the Eastern Shore for a new job and the car that I had for 6 years and for four cross-country trips was totaled by another driver. This agency treated me like complete garbage despite the fact the accident was deemed not my fault. I lost my car, a half of day of work, $400 in registration/tag/title fees, and my sanity in this accident. I contacted Nationwide, the other party’s insurance because I learned a week later FROM THE BODY SHOP that my insurance never made contact with the other party. They never did anything and when I alerted them to the situation they didn’t even care. They dragged the situation out an entire week and complained constantly about how much money they were paying for storage. That’s all they cared about. They don’t give a crap about their clients.

    Do yourself a favor and spend more money on a better agency. You’ll want a company that is there for you. This one could care less.

  8. I am not a customer of theirs, their driver rear-ended me and the adjuster was the most unprofessional jerk I’ve ever met! They never investigated my claim and denied it without anything but a statement from their insured. He HIT ME at 70mph and they know it’s their fault but denied it hoping I will just go away. I filed a formal complaint thru the state insurance bureau and have an attorney to pursue all legal actions needed to force them to do the right thing!

  9. The worst insurance company I’ve ever experienced. When you request to be removed because your premium has doubled, they claim they never received your request and charge your account anyway.

  10. We picked up AIC compared to other companies pricing. The first month was fine $138 for 2 vehicles, they then raised the rates to over 2x the original price $296. I quickly told my agent that this was not acceptable so he contacted them and said the rate would drop back to the original, it dropped $24. Wasn’t happening, so he switched me to another company and told me that there may be a $50 cancellation fee…they charged me over $213 for a cancellation fee. Since I did auto pay they already had my $. I will be filing with the better business bureau. If i could leave 0 stars I would. I had never heard of them before and now I can see why. I can’t imagine that they’ll be in business long. AIC should stand for [Redacted], Idiots & Crooks!!!

  11. I filed a claim on a holiday Labor Day. Customer service representative was extremely rude to me, was beyond outrageous. I’m so in shock to the point I had to hang up and call back, she was still the same representative to cover her self she states “Sir this call is monitored and recorded so please hang up.

  12. I have AIC through a broker. He’s been an agency principal for 30 years. These guys have done some things that he has never seen in his entire career. They don’t have roadside assistance although the way their contracts are phrased it sounds like they do – in actuality, they have towing reimbursement up to what your limit is set at. And I’m a little disturbed by the fact that they called my agent and asked that my previous roommate, who had until my move been listed as an excluded driver, be put back on my policy as he was very young to be removed from it – note, again, he was excluded and the only reason he was on the policy at all is because it is a state law that all members of the household of driving age need to be listed. Also note, they called my AGENT to make changes to my policy, and never contacted me. Left me very leery and perturbed.

  13. Unfortunately, it’s a poor service. They cancelled my insurance without notice and while they were charging my Credit Card. My bank sent them the prove that the charges went through. They mixed up something in their system after calling for a week and discussing the issue finally a lady [Redacted] called my insurance agent that “everything went through so he said everything is perfect” They were shouting at me at some point I had to hung up the phone – it wasn’t what I expect to not have car insurance for almost 60 days without knowing. I’ve been their client since 2008 for 8 years I thought I deserved to receive a call before they canceled my insurance. If you want to work with this company you have to constantly call them and ask make sure everything is ok otherwise this kind of surprise will send you to the hospital.


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