Agency Insurance Company of Maryland, known as AIC, is a small regional auto insurer based in Hanover, Maryland, founded in 1990 and selling personal auto, commercial auto, and motorcycle or off-road coverage through independent agents in Maryland, Pennsylvania, Tennessee, and Virginia. To report a claim, AIC lists a 24/7 line at 800-841-5241; for policy and customer service, 800-492-5629. Heads up: many people who search “AIC” are actually looking for the Associate in Claims designation, a professional credential that has nothing to do with this company. This page covers both, and shows you how to verify AIC’s license, NAIC number, and complaint record for yourself.
Agency Insurance Company of Maryland: Key Facts at a Glance
| Item | Detail | Confirm it at |
|---|---|---|
| Company type | Small regional auto insurer, sells through independent agents | agencyinsurancecompany.com |
| Founded | 1990, “over 35 years” per the company | Company “About” page |
| States served | Maryland, Pennsylvania, Tennessee, Virginia | Company website |
| Products | Personal auto, commercial auto, motorcycle and off-road | Company website |
| Owner | Agency Holding Company of Maryland, Inc. (private) | Company filings |
| Financial rating | AM Best A- (Excellent), per the company | ambest.com |
| Claims line (24/7) | 800-841-5241 | Company “Contact” page |
| Main line | 800-492-5629 | Company “Contact” page |
First, which “AIC” are you actually looking for?
Here’s a wrinkle most pages miss. Type “AIC” into Google alongside insurance terms and the results blur two completely different things:
The first is Agency Insurance Company of Maryland, the regional car insurer this page is mostly about. The second is the Associate in Claims (AIC) designation, a professional credential that claims adjusters earn from The Institutes. They share three letters and nothing else. That’s why the “people also ask” box for this company mixes in questions like “Is the AIC designation worth it?” and “How long does it take to get your AIC designation?” Those aren’t about a Maryland insurance company at all.
So before you read on, sort yourself into the right lane. If you’re a policyholder, a claimant, or an agent trying to reach the Maryland insurer, the next several sections are for you. If you’re an insurance professional weighing a career credential, skip down to the section on the Associate in Claims designation. We cover both honestly, because the search results won’t separate them for you.
Who is Agency Insurance Company of Maryland?
Agency Insurance Company, almost always shortened to AIC, is a Maryland-based auto insurer that has operated since 1990. It’s a small, regional, nonstandard carrier. Nonstandard is industry shorthand for an insurer that often covers drivers the big national companies price out of reach, including higher-risk profiles. AIC focuses on vehicle coverage specifically: personal auto, commercial auto, and motorcycle or off-road vehicle policies. It does not sell homeowners or life insurance.
A defining trait: AIC sells only through independent agents, not directly to the public and not online. The company says it works with over 1,500 agency locations. That matters for you as a buyer. You can’t get an AIC quote on a website. You go through an agent, and that agent can also place you with other carriers if AIC isn’t the best fit. There’s no online self-service quoting to compare against national direct writers, so an agent is your entry point either way.
The company’s headquarters sits at 7450 Coca Cola Drive in Hanover, Maryland, between Baltimore and Annapolis. AIC states it holds an A- (Excellent) financial strength rating from AM Best, which measures an insurer’s ability to pay claims. Ratings move over time, and AM Best is the authority, so confirm the current rating directly at ambest.com rather than taking any secondhand figure as gospel.
Who owns Agency Insurance Company of Maryland?
AIC is privately held, not a subsidiary of a national brand. Its parent is Agency Holding Company of Maryland, Inc. Under that same holding company sits a sibling business, Agency Services, Inc. (ASI), which provides insurance premium financing, the arrangement that lets policyholders pay in installments rather than one lump sum. So when people ask “who owns AIC,” the accurate answer is a Maryland holding company, not Progressive, Zurich, or any household name. That independence isn’t good or bad on its own. It just means the company’s financial strength stands on its own books. That’s exactly why the AM Best rating and the state complaint data are worth checking.
Official AIC phone numbers, claims line, and address
These are the details most searches are really after. Every number and address below comes straight from Agency Insurance Company’s own website as of 2026. Companies do change contact details, so treat this as a starting point and confirm on agencyinsurancecompany.com before you rely on it, especially for a time-sensitive claim.
| Reason you’re calling | Official contact | Notes |
|---|---|---|
| Report a claim (24/7) | 800-841-5241 | Toll-free claim reporting, any hour |
| Claims by email | claims@aiconline.com | For documents and questions |
| Customer service / policy | 800-492-5629 | Mon–Fri, 8:30 a.m. to 6:00 p.m. |
| Customer service by email | customerservice@aiconline.com | General policy help |
| Corporate mailing address | 7450 Coca Cola Drive, Hanover, MD 21076 | Headquarters |
| Online policy account | MyAICPolicy.com | Policyholder self-service portal |
If you searched specifically for the “claims address” or “mailing address,” the headquarters address above is the company’s listed location; for where to physically mail claim documents or payments, call the relevant line first and ask, because insurers often route claims paperwork to a separate PO box or email that isn’t printed on the homepage.
How to report an AIC claim as a policyholder or the other driver
This is the part a quick search snippet can’t fully handle, because the right steps depend on who you are.
If you’re an AIC policyholder: Call the 24/7 claims line at 800-841-5241 as soon as it’s safe, or log in at MyAICPolicy.com. Have your policy number, the date and location, photos, and the other party’s information ready. Get a claim number in writing, and keep a dated log of every call and email. If your car isn’t drivable, ask specifically about rental and towing coverage on your policy, since a nonstandard auto policy may or may not include them.
If you were hit by an AIC-insured driver: You’re filing a third-party claim, and you are not AIC’s customer, which changes the dynamic. Report it through the same 800-841-5241 claims line, but document everything meticulously and don’t accept a recorded statement or a fast settlement offer before you understand your own damages and any injuries. Small regional insurers are often active in subrogation, meaning they pursue reimbursement aggressively, so keep your paperwork tight. If a claim stalls or is denied and you believe that’s wrong, your recourse is the Maryland Insurance Administration, covered next.
How to find AIC’s NAIC number and check its complaint record
The autocomplete shows people searching for AIC’s “NAIC number,” and there’s a smart reason to want it: that five-digit code is the key to a company’s public complaint and financial record. We’re not going to print a number we can’t verify to a primary-source standard, because a wrong NAIC code sends you to the wrong company’s file. Instead, here’s how to pull the correct one and the data behind it in about five minutes.
Start at the Maryland Insurance Administration company search, the state regulator’s official tool. Search “Agency Insurance Company” and you’ll see the company’s current name, address, phone, state of domicile, active or inactive status, and its NAIC number, all straight from the regulator. Because AIC is domiciled in Maryland, this is the authoritative source for the company itself.
Then take that NAIC number to the NAIC Consumer Information Source. There you can pull the company’s complaint index, which compares its complaint volume to its size. The NAIC sets the industry average at 1.00; above that means more complaints than a company its size would be expected to draw, below means fewer. You can also see complaints broken down by type, which for an auto-only insurer will concentrate in claims handling.
If you ever need to file a complaint against AIC, or any insurer or agent, you do that through the Maryland Insurance Administration, which can investigate and sometimes prompt a second look at a decision.
What are Agency Insurance Company of Maryland reviews like?
Honestly? Mixed, leaning negative on consumer review sites, with recurring complaints about slow claims handling and denials. But read those with a clear head. Online reviews self-select for the frustrated. Few happy policyholders write them. And nonstandard auto carriers that insure higher-risk drivers tend to collect rougher reviews across the board, because their book of business sees more claims and tighter pricing. A pattern we see again and again with small agent-sold auto insurers is that the loudest reviews reflect claim disputes, not the everyday experience of paying a premium and renewing.
That’s exactly why we’d steer you away from star averages and toward two harder signals: the company’s NAIC complaint index, which is size-adjusted and regulator-sourced, and the Maryland Insurance Administration’s own complaint data. One independent review noted an unfavorable complaint trend for AIC relative to its size in recent years. That’s worth taking seriously. Still, confirm the current numbers yourself using the steps above, rather than trusting any single writeup, including this one. Regulatory data beats anecdotes every time.
Insurance company vs. insurance agency: what “agency” in the name means
The PAA asks whether an insurance company is the same as an insurance agency. They’re not, and the distinction is useful here because “Agency” is literally in this company’s name.
An insurance company (a carrier or insurer) is the entity that actually underwrites the policy, holds the financial risk, and pays claims. AIC is a company in this sense. An insurance agency is a business that sells and services policies on behalf of one or more carriers; it doesn’t hold the risk or pay the claim itself. The word “agency” in “Agency Insurance Company” is just part of a brand name, not a signal that the business is a sales agency. Confusingly, AIC the company sells its policies exclusively through independent agencies, so both meanings show up in the same transaction: the agency sells you the policy, the company backs it.
The other AIC: the Associate in Claims designation
Now for the credential half of the search results. The Associate in Claims (AIC) designation is a professional certification from The Institutes, the main credentialing body in US property-casualty insurance. It’s aimed at claims professionals, adjusters, examiners, and supervisors, who want to sharpen their claims-handling skills or qualify for advancement. It was developed in part with the National Association of Independent Insurance Adjusters.
Is it worth it? For someone building a career in claims, generally yes. Employers recognize it, it can support promotions into senior adjuster or supervisory roles, and the coursework covers practical ground: claims principles, investigation, negotiation, good-faith handling, and ethics. It’s less relevant if claims isn’t your lane.
How long does it take? Plan on roughly nine to twelve months for most people, though it varies with your pace. The modern format runs through The Institutes’ courses (each core course takes about four to six weeks), plus a free ethics module, with timed virtual exams of 50 questions in 65 minutes. There’s also an AIC-M (Management) track that adds a leadership course for those managing a claims team. The designation doesn’t expire, though continuing education keeps it active.
So if you came here asking whether “AIC” is worth getting, that’s the Associate in Claims credential, and it has nothing to do with buying a car insurance policy in Maryland.
What’s the “best” insurance company in Maryland, and who has the most complaints?
We won’t crown a single best insurer or brand a single villain, because the honest answer depends on your driving profile, your ZIP code, and the coverage you need, and because “most complaints” shifts year to year. What we can do is hand you the same objective tools professionals use.
For comparing companies fairly, the NAIC complaint index (size-adjusted, with 1.00 as average) beats raw complaint counts, since bigger insurers naturally rack up more total complaints. Pair that with J.D. Power satisfaction studies and AM Best financial-strength ratings. And for Maryland specifically, the Maryland Insurance Administration publishes rate-comparison guides that show sample premiums for standardized driver profiles, so you can get an apples-to-apples sense of where a company like AIC lands versus competitors before you ever call an agent. Read two or three of these together and you’ll make a better call than any “best company” list can make for you.
The Honest Read: who AIC fits, and who it doesn’t
AIC can make sense if you’re a Maryland-area driver who’s been quoted sky-high rates by national carriers, or who needs coverage for a higher-risk profile, a motorcycle, or an off-road vehicle, and you value working with a local independent agent who can shop your risk. Because AIC sells only through agents, that same agent can compare it against other carriers, which is a genuine advantage worth using.
It’s probably not your fit if you want to buy and manage everything online, if you’re a low-risk driver who’ll get a better rate from a large direct writer, or if fast, frictionless claims service is your top priority, given the pattern in AIC’s reviews and complaint data. The single most valuable habit with any small agent-sold auto insurer is boring but powerful: get every quote, coverage limit, and claim promise in writing, and know that the Maryland Insurance Administration is your backstop if a claim goes sideways.
If a low rate is your only goal, don’t stop at one quote. Have your agent compare AIC against at least two other carriers, and check each one’s complaint index before you sign.
Conclusion
Most people searching Agency Insurance Company of Maryland want one of three things: a real phone number, a claim reported, or reassurance about a company they’ve never heard of. Now you have all three, plus the piece the search results garble, that “AIC” also means the Associate in Claims designation, which is a career credential and not this insurer at all. Use the official 24/7 claims line at 800-841-5241 and confirm any detail on the company’s own site, pull the NAIC number and complaint record through the Maryland Insurance Administration, and weigh regulator data over star ratings. Do that, and you’re deciding with facts instead of guesswork.
FAQs
Who is Agency Insurance Company of Maryland?
Agency Insurance Company (AIC) is a small regional auto insurer based in Hanover, Maryland, founded in 1990. It sells personal auto, commercial auto, and motorcycle or off-road vehicle coverage through independent agents in Maryland, Pennsylvania, Tennessee, and Virginia. It does not sell homeowners or life insurance.
Who owns Agency Insurance Company of Maryland?
AIC is privately held by Agency Holding Company of Maryland, Inc., not by a national brand. A sibling company under the same holding company, Agency Services, Inc. (ASI), provides premium financing. That independence means the company’s financial strength stands on its own, which is why its AM Best rating and state complaint data are worth checking.
What is the AIC claims phone number?
Agency Insurance Company lists a 24/7 toll-free claims line at 800-841-5241, and a claims email at claims@aiconline.com. Have your policy number, the date and location, and photos ready, and get a claim number in writing. Confirm the number on agencyinsurancecompany.com before relying on it, since contact details can change.
What is AIC’s customer service phone number and address?
For policy and customer service, AIC lists 800-492-5629, open Monday through Friday, 8:30 a.m. to 6:00 p.m., and customerservice@aiconline.com. Its corporate headquarters address is 7450 Coca Cola Drive, Hanover, MD 21076. Policyholders can also manage accounts at MyAICPolicy.com.
What is Agency Insurance Company’s NAIC number, and how do I find it?
Rather than trust a number from a random site, look it up at the source: search “Agency Insurance Company” in the Maryland Insurance Administration’s company search tool, which displays the current NAIC number, address, status, and domicile. You can then use that NAIC number at the NAIC Consumer Information Source to see the company’s complaint record.
What are Agency Insurance Company of Maryland reviews like?
Consumer reviews are mixed and lean negative, with recurring complaints about slow claims and denials, though online reviews tend to over-represent frustrated customers and nonstandard auto insurers collect rougher reviews generally. For a fairer read, weigh the size-adjusted NAIC complaint index and Maryland Insurance Administration complaint data over star averages.
Is an insurance company the same as an insurance agency?
No. An insurance company (carrier) underwrites the policy, holds the risk, and pays claims. An insurance agency sells and services policies on behalf of carriers but doesn’t hold the risk. AIC is a company that happens to sell only through independent agencies, so both play a role in one transaction.
What does “agency” mean in insurance?
An agency is a business that represents one or more insurance carriers to sell and service their policies. It acts on behalf of the insurer or the client, but it isn’t the entity paying claims. In “Agency Insurance Company,” the word is just part of the brand name, not a description of the business type.
What states does Agency Insurance Company operate in?
As of 2026, AIC’s official website lists Maryland, Pennsylvania, Tennessee, and Virginia. Some older third-party listings mention Florida, which appears out of date, so treat the company’s current site as the authoritative source. Maryland remains its primary market.
Is the AIC (Associate in Claims) designation worth it?
For someone building a claims career, generally yes. The Associate in Claims designation from The Institutes is recognized by employers, can support promotions into senior or supervisory claims roles, and teaches practical skills like investigation, negotiation, and good-faith handling. It’s less useful if claims isn’t your career path. Note this is a credential, unrelated to the Maryland insurer of the same initials.
What are the benefits of the AIC designation?
The Associate in Claims credential signals verified expertise in claims handling, can improve promotion and hiring prospects, and builds practical skills across auto, property, liability, and workers’ compensation claims. It also connects holders to The Institutes’ professional resources and can count toward continuing education in some states.
How long does it take to get the AIC designation?
Most people finish in roughly nine to twelve months, depending on pace. The modern format uses The Institutes’ courses, each taking about four to six weeks, plus a free ethics module and timed virtual exams. An optional AIC-M (Management) track adds a leadership course for those managing claims teams.
What is the best insurance company in Maryland?
There’s no single best, because it depends on your driving profile, location, and coverage needs. Compare companies using the NAIC complaint index, J.D. Power satisfaction studies, AM Best financial ratings, and the Maryland Insurance Administration’s rate-comparison guides, which show sample premiums for standardized driver profiles.
Which insurance company has the most complaints?
There’s no fixed answer, because complaint volume tracks company size, and the fair, size-adjusted figure (the NAIC complaint index) changes yearly. Look up the specific carrier at the NAIC Consumer Information Source and compare it to competitors, rather than trusting any single “worst company” claim.
How do I file a complaint against AIC or check its complaint record?
File through the Maryland Insurance Administration, the state regulator, which can investigate and sometimes prompt a second review of a decision. To research complaints before you buy, pull the company’s NAIC number from the Maryland company search, then view its complaint index at the NAIC Consumer Information Source.
About the Author
This guide was researched and written by the InsuranceGuidances Editorial Team. We publish plain-spoken, consumer-first explainers on US insurance and out-of-pocket healthcare costs, and we verify every factual claim against primary sources, including company websites, state insurance regulators, AM Best, The Institutes, and the NAIC. We accept no payment from the companies we cover and endorse no specific insurer.
Reviewed July 2026.
Sources
Miller & Zois, Agency Insurance Company (AIC) claims background. https://www.millerandzois.com/car-accidents/insurance-claims-settlements/agency-auto-insurance-company-aic/
Agency Insurance Company, official website and contact page. https://www.agencyinsurancecompany.com/contact-us/
Agency Insurance Company, homepage (rating, claims line, states served). https://www.agencyinsurancecompany.com
Maryland Insurance Administration, company and producer search. https://insurance.maryland.gov/Consumer/pages/companysearchinstructions.aspx
Maryland Insurance Administration, consumer complaints and resources. https://insurance.maryland.gov
NAIC, Consumer Information Source (complaint index). https://content.naic.org/consumer
AM Best, financial strength ratings. https://www.ambest.com
The Institutes, Associate in Claims (AIC) designation. https://web.theinstitutes.org/designations/associate-claims
Insurance Business, how the Associate in Claims title works. https://www.insurancebusinessmag.com/us/guides/how-the-associate-in-claims-title-can-boost-your-insurance-career-532752.aspx
Expert Insurance Reviews, Agency Insurance Company review and complaint history. https://expertinsurancereviews.com/insurance-company-reviews/agency-insurance-company-aic
