American National vs GEICO Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

American National
Not Rated
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Insurify Composite Score

GEICO
88
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Insurify Composite Score

American National VS GEICO
Not Rated
88
What is this?
User Ratings
OptionsAmerican National GEICO
Rating/Reviews
12 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican National GEICO
Call Center Representative--About average
Insurer Website--Among the best
Local Agent--The rest
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican National GEICO
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--Better than most
Rental Experience--Better than most
Repair Process--About average
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionAmerican National GEICO
California--807 pt
About average
Central--838 pt
Better than most
Florida--832 pt
Better than most
Mid-Atlantic--848 pt
Better than most
New England--827 pt
About average
New York--813 pt
About average
North Central--830 pt
About average
Northwest--805 pt
About average
Southeast--839 pt
About average
Southwest--798 pt
The rest
Texas--816 pt
The rest
Mobile App Ratings
RegionAmerican National GEICO
Android--
147,062 Reviews
iOS--
446,400 Reviews
Financial Ratings
OptionsAmerican National GEICO
A.M. Best--A++
Fitch--AA-
Moody's--Aa3
Standard & Poor'sAAA+

Auto Insurance Quotes

For Married Drivers

CityAmerican National GEICO
Austin--$59
Chicago--$67
Philadelphia--$88
Phoenix--$38
Santa Monica--$48

For Single Drivers

CityAmerican National GEICO
Austin--$62
Chicago--$68
Philadelphia--$92
Phoenix--$44
Santa Monica--$129

For Male Drivers

CityAmerican National GEICO
Austin--$59
Chicago--$71
Philadelphia--$92
Phoenix--$42
Santa Monica--$123

For Female Drivers

CityAmerican National GEICO
Austin--$62
Chicago--$64
Philadelphia--$87
Phoenix--$40
Santa Monica--$53

For Drivers with Speeding Ticket

CityAmerican National GEICO
Austin--$74
Chicago--$92
Philadelphia--$128
Phoenix--$64
Santa Monica--$141

For Drivers with No Speeding Ticket

CityAmerican National GEICO
Austin--$58
Chicago--$62
Philadelphia--$84
Phoenix--$36
Santa Monica--$77

For Drivers Age Between 18-40

CityAmerican National GEICO
Austin--$63
Chicago--$71
Philadelphia--$98
Phoenix--$45
Santa Monica--$149

For Drivers Age Between 40-65

CityAmerican National GEICO
Austin--$54
Chicago--$61
Philadelphia--$79
Phoenix--$35
Santa Monica--$40

For Drivers Age of 65+

CityAmerican National GEICO
Austin--$75
Chicago--$78
Philadelphia--$99
Phoenix--$48
Santa Monica--$41

For Drivers with Average Credit

CityAmerican National GEICO
Austin--$68
Chicago--$70
Philadelphia--$94
Phoenix--$43
Santa Monica--$76

For Drivers with Fair Credit

CityAmerican National GEICO
Austin--$71
Chicago--$74
Philadelphia--$104
Phoenix--$43
Santa Monica--$56

For Drivers with Good Credit

CityAmerican National GEICO
Austin--$55
Chicago--$66
Philadelphia--$84
Phoenix--$37
Santa Monica--$60

For Drivers with Excellent Credit

CityAmerican National GEICO
Austin--$48
Chicago--$60
Philadelphia--$77
Phoenix--$41
Santa Monica--$161

Quotes & Discounts

Discount typeAmerican National GEICO
Accident FreeUp to 30%Varies
Good StudentUp to 15%Up to 15%
Motor clubVaries--
Multiple PolicyVariesVaries
Passive RestraintVariesUp to 25%
Provider SwitchVaries--
Anti-Theft Device--Up to 25%
Anti-lock Brake--Up to 5%
Daytime Running Lights--Up to 3%
Defensive Driver--Varies
Driving training--Varies
Emergency Deployment--Up to 25%
Federal Employee--Up to 25%
Good Driver--Up to 26%
Military--Up to 15%
Multiple Vehicle--Varies
Organization--Varies
Seat Belt Use--Up to 15%
Senior Adult--Varies
teenSMART--Varies

Payment Methods

Discount typeAmerican National GEICO
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments --yes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yes--
Phone Payment
--yes

Features and Services

Features and ServicesAmerican National GEICO
24/7 serviceyesyes
Accident forgiveness--yes
Loyalty rewards programyes--
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes
Text and email alerts--yes

Optional Coverages

Optional CoveragesAmerican National GEICO
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
--yes
Gap Insurance
yes--
Incident Forgiveness
--yes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
No Fault Coverage
--yes
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • American National
  • GEICO
  • Both

SR‌-22 Insurance by State

  • American National
  • GEICO
  • Both

Compare Insurance Products

ProductAmerican National GEICO
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyesyes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insurance--yes
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • American National Reviews
  • GEICO Reviews
3.6
5 Stars
50 %
4 Stars
8 %
3 Stars
17 %
1 Star
25 %

Most Positive Review

By Pj Country
This data is GROSSLY inaccurate on American National, you are missing a LOT of check marks! American National - aka ANPAC DOES have flexible payments: Monthly, Quarterly, Or Semi-Annual payment options are available. American National DOES have a mobile app: AN Mobile They DO have an added coverage endorsement available. AND ANPAC DOES have just about EVERY insurance product listed that is not checked, the only ones I'm not sure on is if they have; Aviation, Collectibles, Mobile Home, or Personal Articles Insurance. They also have their Home Systems Breakdown Coverage INCLUDED in their Homeowners policies that covers things like your Furnace & Heat pumps, A/C units, Well Pumps, Electrical Svc Panels & a lot more. Plus the fact they have local agents in all 50 states is VERY nice!!!

Most Critical Review

By Martha
Because my insurance renewal goes up $10 for the past year it had gone from $123 -$152 in a yr I been with Boykins insurance for 25 years

All Reviews

Showing 1 - 10 out of 12 Reviews
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Read reviews that mention

John
Solid company for all auto and property, and with Chrome u can add your custom and antique cars , trucks
Kenneth
High rising costs
Jane
I agree with the reviewer above, this site is totally inaccurate. American National has so much more to offer and saved us over half the amount I paid with my last carrier. I couldn't be happier, and with their CashBack program, it's unbeatable.
Peter
I bundled up my auto,home,& life and saved $530 annually on my homeowner's insurance. I thought Costco was unbeatable and they had only saved me $7 a month on my cars minus my classic auto which they do not cover. American National did cover all my vehicles and get this , my classic show car was covered for 24k agreed value with 250/500 coverage mirrored after my other cars. I only pay $10 a month for my classic auto. I can not believe Costco doesn't cover classics. In short I was really surprised by this insurance company by it's rates and coverages offered all under one roof. I'm a happy camper!!
Robert
they changed payment for insurance to a year
Tammy
Terrible
Gary
The agent was good
Luis
No problems in the pharmacy
Pj Country
This data is GROSSLY inaccurate on American National, you are missing a LOT of check marks! American National - aka ANPAC DOES have flexible payments: Monthly, Quarterly, Or Semi-Annual payment options are available. American National DOES have a mobile app: AN Mobile They DO have an added coverage endorsement available. AND ANPAC DOES have just about EVERY insurance product listed that is not checked, the only ones I'm not sure on is if they have; Aviation, Collectibles, Mobile Home, or Personal Articles Insurance. They also have their Home Systems Breakdown Coverage INCLUDED in their Homeowners policies that covers things like your Furnace & Heat pumps, A/C units, Well Pumps, Electrical Svc Panels & a lot more. Plus the fact they have local agents in all 50 states is VERY nice!!!
Tester
Just testing the web
Showing 1 - 10 out of 12 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.