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American National Car Insurance Review

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4.9/5 Rating on the App Store



If you're looking for a cheap car insurance that covers everything from your car to your home to your life, American National has you covered. They provide you with a variety of policies and discounts. They are one of the best car insurance companies with a nationwide coverage option for auto insurance.

Pros and Cons

Pros Cons
Provides a wide range of insurance policies. Online quotes not easily available.
Coverage offered nationwide. Insurance must be purchased through an agent.
Low auto insurance customer complaints. No guaranteed issue policies.
Offers both personal and business policies. No official claims response time frame promises.
Strong financial stability Mixed customer feedback.

Unique American National Auto Insurance Features

American National insurance company offers a variety of additional coverage options, including roadside assistance.

  • In case if your car is totalled or stolen, gap insurance will pay out the difference between the actual cash value of your car and the balance you owe on your loan. To purchase gap insurance, you must have both comprehensive and collision coverage.
  • In case if you need to replace parts on a damaged vehicle, ACE insurance provides you with added coverage endorsement.

The following benefits are included in American National's auto insurance policies, but they aren't available in all states:

  • If you have both a car and a home insurance policy, you'll receive a cash back. If you stay claim-free for three years, you can get a portion of your premiums back.
  • If your car and home are damaged in the same incident, you only have to pay one deductible (the amount deducted from a claim pay-out).
  • The deductible is waived or reduced if the accident involves another American National policyholder.

The following advantages are yours if you purchase both comprehensive and collision coverage:

  • Customized equipment coverage of up to $2,000 is available.
  • Reimbursement for a rented vehicle.

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American National Auto Insurance Coverages

American National, unlike some other insurance companies, does not publish the prices of its policies. An insurance agent is the only way to get a quote. Age, gender, marital status, and location affect your car insurance premiums.

In order to understand types of auto insurance coverage in detail, refer different auto insurance coverages available in US.

American National Auto Insurance Rates

American National Auto Insurance Discounts

The car insurance provided by American National comes with a few attractive discounts. Among the discounts are:

  • Fresh Start Discount: Customers who apply for a new insurance policy before their current policy expires are eligible for this discount.
  • Three-line Discount: Customers who purchase auto, home, and life insurance from American National are eligible for a three-line discount.
  • Collector's Discount: Customers who insure multiple vehicles with American National are eligible for a "collector's discount."

In addition to these great American National discounts, working with an independent insurance agent can help you get the most out of your coverage.

American National Insurance Quote by Drivers History

Driver profile American National Average Monthly Premium National Average
Clean Record $131 $80
DUI $195 $162
At Fault Accident $157 $117
Speeding Ticket $138 $108

American National Complaints and Customer Satisfaction

According to the National Association of Insurance Commissioners (NAIC), American National got a complaint index of 0.49 in earlier years. They make up just 0.04% of the total complaint market in the United States. Complaints about slow payment of benefits or poor customer service were the most common ones received.

In order to create company complaint ratios, the NAIC collects consumer complaints and uses them to calculate the number of claims submitted by each company in relation to its size. Individual life insurance policyholders at American National had a complaint ratio of 0.94 in 2020, which was slightly better than the national complaint index that year. Summary

We would give a final score of 3 stars to American National Insurance. The company's long history in the insurance industry, as well as its high AM Best rating, is certainly noteworthy and reputable. There have been an alarming number of customer complaints filed against this carrier in the past few years, and they are not currently accredited or rated by the Better Business Bureau (BBB).

Good but not great, the official website doesn't promise a response time for claims. However, allowing customers to submit claims at any time of day or night is a huge perk. Customer reviews for this carrier are extremely erratic, and this is our main concern. There are a few glowing accounts of excellent service, but there are just as many complaints about claims that have not been acknowledged or have not been approved.

Overall, American National has a wide range of coverage options across the country, so they may be able to meet your needs. According to customer feedback, we're not sure this carrier is capable of providing excellent customer service. Be sure to check out American National Insurance when working with your independent insurance agent, but do explore other options.

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About American National Car Insurance

The Galveston, Texas headquarters of American National Insurance Company was established in 1905. Insurance products and services from American National are available in all 50 states through the company's network of affiliates. Farmers Casualty Insurance Company of New York and United Farm Family Insurance Company of New York, both located in Glenmont, New York, write business in the state. American National Property and Casualty Company, Springfield, Missouri, and its subsidiaries and affiliates write property and casualty insurance.

Many of the products and services referred to on this website are written by multiple companies. All products and services aren't available in every state. In some states, a company may not be licensed to operate. Financial responsibility for each company's products and services rests solely with that company and not with the other companies.

A Brief History of American National

William Lewis Moody Jr., a Galveston businessman, founded American National in 1905. A large spectrum of insurance products and services are now available from the company. These include annuities, health insurance, property and casualty, credit, and pension plan services.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Who owns American National insurance company?

The previously announced reorganization of American National Insurance Company has been completed, resulting in the creation of a holding company called "American National Group, Inc." It is a Delaware corporation, and the parent company of American National Insurance Company is now known as the Holdings Corporation.

Is American National insurance a good company?

American National insurance company is good but not great. The official website does not guarantee a response time for claims. Allowing customers to submit claims at any time of day or night, on the other hand, is a huge benefit. Customer feedback for this carrier is highly erratic.

Does American National insurance pay claims?

Yes. Customers can file claims with American National either online or by phone. The official claims procedure for life insurance and annuities provided by the carrier. Their claims hotline is open 24 hours a day, seven days a week, and their customer service hotline is open seven days a week.

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