American National vs State Farm 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
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

American National VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsAmerican National State Farm
Rating/Reviews
12 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican National State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican National State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionAmerican National State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionAmerican National State Farm
Android--
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsAmerican National State Farm
A.M. Best--A++
Moody's--Aa1
Standard & Poor'sAAA

Auto Insurance Quotes

For Married Drivers

CityAmerican National State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityAmerican National State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityAmerican National State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityAmerican National State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityAmerican National State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityAmerican National State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityAmerican National State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityAmerican National State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityAmerican National State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityAmerican National State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityAmerican National State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityAmerican National State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityAmerican National State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeAmerican National State Farm
Accident FreeUp to 30%Up to 15%
Good StudentUp to 15%Up to 25%
Motor clubVaries--
Multiple PolicyVariesUp to 17%
Passive RestraintVariesUp to 40%
Provider SwitchVaries--
Anti-Theft Device--Up to 15%
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Good Driver--Up to 25%
Home Owner--Varies
Low Mileage--Up to 10%
Loyalty--Varies
Mature driver--Varies
Military--Varies
Multiple Vehicle--Up to 20%
New Car--Up to 40%
Senior Adult--Varies
Student Away at School--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeAmerican National State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments --yes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesAmerican National State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards programyesyes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican National State Farm
Accidental Death, Dismemberment, Disability
yesyes
Antique or Collector Car Insurance
yesyes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
yes--
Glass Coverage --yes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Umbrella Policy
yes--
Work Loss Coverage
yes--

Insurance by State

Uber and Lyft driver insurance

  • American National
  • State Farm
  • Both

Compare Insurance Products

ProductAmerican National State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insuranceyesyes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • American National Reviews
  • State Farm 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.