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Agency Insurance Company (AIC) Review

Agency Insurance Company reviews reveal a stable auto insurance company with an A.M Best rating of B++. Unfortunately, Agency Insurance Company customer service leaves much to be desired. We recommend comparing car insurance quotes before deciding on Agency Insurance Company.

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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: Jul 22, 2020

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Agency Insurance Company (AIC)
Financial Strength

Agency Insurance Company (AIC) Summary
Key InfoProvider Specifics
Year Founded1990
Current ExecutivesCEO - Jack Stansbury
President - Scott Tadlock
Number of Employees12
Headquarters Address7450 Coca-Cola Dr, Hanover, Maryland 21076
Phone Number1-800-492-5629
Company Website
Premiums Written49,132,000
Loss Ratio64.05%
Best ForInsurance
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Researching the best insurance companies can be difficult, especially if you’re looking at a smaller company that doesn’t have a lot of information on its website.

We’re here to help. We’ve done the research for you and gathered it all together here for you to in this Agency Insurance Company review: what policies are offered by Agency Insurance Company, who sells these policies, the company’s financial information and consumer ratings, and any customer complaints against them. Keep reading to find out what you need to know about AIC car insurance quotes and more.

Something of a new kid on the car insurance block, Agency Insurance Company of Maryland (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.

Before you read our Agency Insurance Company review, take a moment to enter your ZIP code, and compare rates now.

AIC Rates and Quotes

AIC does not offer online quoting and instead will direct you to an agent who can provide a quote. Since the company doesn’t offer quotes online and also doesn’t write insurance in our rate test states, we’re 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.

We can get an idea of AIC’s rates based on mandatory reporting data from insurance companies that sell policies within Maryland. Using this information, the Maryland Insurance Administration publishes insurance company rates based on specific scenarios so that consumers can get an “apples to apples” comparison.

Many factors get incorporated into car insurance rates, so each scenario is very specific. Here’s just one example:

Specifications: Single female, age 50, not a homeowner. Drives a 2014 Hyundai Elantra 60 miles each day total for work,  20,000 miles annually. No accidents or violations in the past three years. No credit history. No companion policy discount. Policy includes: liability $100,000/$300,000/$100,000; full PIP $2,500; uninsured motorist $100,000/$300,000/$100,000; comprehensive with $250 deductible; collision with $500 deductible.

Average Annual AIC Car Insurance Rates for Single 50-Year-Old Female by ZIP Code
Maryland ZIP CodeAverage Annual Rates
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As you can see, even ZIP code is a factor used in determining premium rates. This is complicated stuff, which is exactly why we like to help you out with this research.

That said, AIC does advertise low rates and budget-friendly payments, so they may well be competitive with similar companies.  AIC provides financing through its sibling company, Agency Services, Inc., or ASI. AIC and ASI share a holding company, Agency Holding Company of Maryland, Inc.

ASI predates its affiliation with AIC. ASI was once an insurance premium financing company that did business in all 50 U.S. states. At one time, it had financed more than $500 million in insurance premiums. Based on a review of selected state records, ASI’s corporate status was withdrawn in 1990 in all but the states in which it currently conducts business.

One additional note is that ASI’s website provides instructions for how AIC’s agents can arrange for ASI financing of premiums related to policies through the Maryland Automobile Insurance Fund (MAIF). MAIF is a state-run insurance fund that provides car insurance to drivers who aren’t able to obtain private insurance.

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AIC Insurance Products

AIC insures all kinds of vehicles, offering a standard personal car insurance program and commercial vehicle coverage. It also covers many different specialty vehicles, such as motorcycles and off-road vehicles.

AIC Car Insurance

AIC writes standard car insurance coverage that includes all of the basics required by law, as well as common options such as comprehensive, collision, roadside assistance auto insurance, and rental reimbursement car insurance. It has a fairly good list of available discounts as well, including multi-policy, homeowners (this is a discount for owning a home, not an auto-home discount), and paid-in-full discounts.

AIC also offers the option of accident forgiveness, which is one of the most popular add-ons and is not always offered by smaller insurers. Buying accident forgiveness as part of your car insurance coverage will help to keep your premiums from increasing if you’re in an at-fault accident, so this can be an appealing option. As always, check the fine print to make sure you’re getting what you expect.

Coverage For Other Vehicles From AIC

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

Private Vehicle Types Insured by AIC
Privage Vehicles Covered
Golf carts
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In addition, AIC provides personal coverage that can include the following:

Personal Insurance Policies Available from AIC
Available Personal Coverage
Bodily Injury / Property Damage
Medical Payments
Personal Injury Protection
Uninsured / Underinsured Motorists
Comprehensive / Collision
Towing and Labor
Rental Reimbursement
Additional Equipment
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So if you have a garage full of recreational vehicles, AIC could potentially provide you with one-stop shopping.

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AIC Commercial Auto Insurance

AIC writes commercial car insurance business coverage for vehicles that are used in various types of business activities, including:

Commercial Vehicle Types Insured by AIC
Commercial Vehicles Covered
Any Commercial Auto
Step Vans
Dump Trucks
Box Trucks
Tow Trucks
Flatbed Trucks
Bucket Trucks
Utility Trailers
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AIC policies include all of the basics of coverage as well as add-ons to suit the needs of a particular business. Among the commercial options they offer are:

Commercial Vehicle Insurance Policies Offered by AIC
Available Commercial Insurance Coverage
Any Auto
Garage Keepers
Motor Truck Cargo
Coverage Limits up to $1 Million Combined Single Limits (CSL)
Federal Filing and MCS-90 Filings
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AIC could be a particularly convenient solution for smaller construction companies and other similar businesses.

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AIC Claims

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

The AIC 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, and therefore there is no AIC Insurance login.

If you happen to be looking for the AIC Insurance Schools login, take note: in spite of the similarity of their names, these two companies are not related to each other.

Personal auto policy information can also be accessed via AIC’s mobile app, which you can find in the App Store or Google Play by searching for “Agency Insurance Company” or “AIC Mobile.” Once you’ve downloaded the app, you need to create an account with your email address, policy number, and ZIP code. Policyholders can then view their ID cards, make payments, access policy and agent information, and receive assistance for claims or an accident.

The company’s website does not provide further information regarding its 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 AIC offers 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 to give customers a little more insight into the process.

AIC Insurance Reviews and Complaints

AIC (as Agency Services, Inc.) currently has a B+ rating with the Better Business Bureau (BBB). There have been 20 complaints against the company in the past three years, nine of which were closed in the past 12 months. This B+ rating is made according to the BBB’s assessment of the timeliness and relevance of AIC’s responses to these complaints and is intended to represent how AIC interacts with its customers.

Google reviews for the company seem to be either extremely favorable or extremely unfavorable, averaging out to somewhere in the middle. Comments are written by AIC agents as well as customers, so relying on the overall rating number may not be the best approach from a customer perspective.

The complaints from customers, and from those who have had an accident involving an AIC customer, fall into two main categories: poor customer service and poor claims handling. Complaints included delays in communication such as calls not returned or claims not resolved in a timely fashion, and dissatisfaction with the claims investigation outcome and AIC’s billing processes.

Looking at some recent data from the National Association of Insurance Commissioners (NAIC), an insurance oversight organization, we see an unfavorable trend in terms of the number of complaints lodged against AIC:

Three-Year History of AIC Private Passenger Policy Complaints
Private Passenger Policies Complaint Data201720182019
Total Complaints61621
Complaint Index
(better or worse than National Index)
U.S. Market Share of Complaints0.04%0.05%0.15%
Total Premiums$110,991,058$123,546,843$128,993,330
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Total premiums have increased for AIC through this time period as well, so perhaps the company is experiencing some growing pains that have resulted in increased customer complaints. This possibility seems to be supported by a recent Glassdoor review in which a former employee describes a growing caseload for claims adjusters with no hiring to meet the increased demand.

Subrogation is when an insurance company covers the claim for its customer but then pursues the other, at-fault driver to recover the loss. Based on Maryland court filings, this firm found that AIC has filed about 25 subrogation cases a year for the last several years, and note that this is a high number given AIC’s smaller size.

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AIC’s Financial Strength

Let’s get a little more technical and take a look at AIC’s financial health. The credit rating agency A.M. Best looks closely at the financial condition and operating performance of insurance companies and provides expert guidance regarding its findings. For AIC, A.M. Best provides the following assessment:

  • Grade: B++
  • Financial outlook: Stable

According to A.M. Best, a grade of B++ means that an insurance company has a good ability to meet its ongoing insurance obligations.

It’s also worth noting that A.M. Best downgraded AIC’s financial outlook from positive to stable in October 2018 due to an apparent increase in a measure that correlates with solvency.

In other words, AIC could be at some risk in the future of not making enough money to pay its bills, including insurance claims.  This is something worth keeping an eye on, especially if this particular trend continues.

However, A.M. Best also noted that AIC’s other measures, such as its investment strategy and reserves, indicated adequate financial health.

What are independent agents?

Since AIC’s business model involves the use of independent agents, let’s spend a few moments talking about what that means.

An independent agent is someone who sells insurance on behalf of many different companies. They are different from captive agents, who work for only one company, or brokers, who work on your behalf to help you shop around for insurance.

The video below from an insurance agent provides some additional details on how independent agents and other insurance sales channels work:

When shopping for car insurance, it can be useful to know about the different types of insurance agents, who they work for, and how they make their money. Understanding what sales channel an insurance company has chosen to deploy can also shed some light on that company’s operations and business practices.

As a reminder — insurance laws vary by state, so also be sure to check what rules and regulations are applicable in your state.

All About Agency Insurance Company of Maryland

Agency Insurance Company (AIC)  was founded in 1990 in Maryland to provide an affordable alternative for car insurance to local drivers and business owners. It has since expanded coverage to two other states, offering insurance products in Pennsylvania and Virginia. The company’s headquarters is located in Hanover, MD.

Unlike many other smaller car insurance companies, AIC writes insurance policies for a complete range of vehicles, from motorcycles to trailers. The company aims to provide cost-efficient coverage with a solid insurance program that offers multiple options and discounts.

AIC also promises 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. There are more than 1,500 of these agents, so if you’re looking for an AIC insurance agency in Maryland, Pennsylvania, or Virginia, you shouldn’t have to look too far to find an AIC agent near you.

AIC Insurance: The Bottom Line

Agency Insurance Company of Maryland (AIC) is a relative newcomer to the insurance market and promises low rates — a promise we’re unable to verify due to the lack of online quoting. Although they’re not labeled 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’s nothing serious overall, it’s difficult to highly recommend the company due to a general lack of detailed information on its website. You may want to consider it if you’re already receiving multiple quotes from an agent who offers AIC’s products, just to do a price comparison, but it would be wise to compare quoted rates against other companies before committing to a policy.

Now that you’ve learned all about Agency Insurance Company and AIC car insurance, let us help you get the best rates. Just enter your ZIP code for free quotes.


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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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