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American National vs USAA Car Insurance

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Ratings

Insurify Composite Score American National
VS USAA
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Insurify Composite ScoreUSAA
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User Ratings
Options American National USAA
Rating/Reviews
Full Star Full Star Full Star Full Star Empty Star
12 reviews
Full Star Full Star Full Star Empty Star Empty Star
1,647 reviews
U.S Auto Insurance Shopping Study (2018)
Options American National USAA
Overall Satisfaction -- Among the best
Policy Offerings -- Among the best
Pricing -- Among the best
Local Agent -- About average
Call Center Representative -- Among the best
Insurer Website -- Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
Options American National USAA
Overall Satisfaction -- Among the best
First Notice of Loss (FNOL) -- Among the best
Claim Servicing -- Better than most
Estimation Process -- Better than most
Repair Process -- Among the best
Rental Experience -- Better than most
Settlement -- Better than most
J.D. Power Ratings by Region (out of 1000)
Region American National USAA
Southwest --
887 pt
Among the best
Southeast --
894 pt
Among the best
Texas --
899 pt
Among the best
Central --
906 pt
Among the best
Mid-Atlantic --
896 pt
Among the best
New England --
893 pt
Among the best
Florida --
888 pt
Among the best
California --
894 pt
Among the best
New York --
900 pt
Among the best
North Central --
905 pt
Among the best
Northwest --
896 pt
Among the best
Mobile App Ratings
Brand American National USAA
iOS
--
Full Star Full Star Full Star Full Star Empty Star
3,600 reviews
Android
--
Full Star Full Star Full Star Full Star Half Star
98,577 reviews
Financial Ratings
Company Name American National USAA
Standard & Poor's A AA+
A.M. Best -- A++
Fitch -- AA+
Moody's -- Aa1

Auto Insurance Quotes

For Married Drivers

City American National USAA
Austin -- $48
Chicago -- $46
Philadelphia -- $31
Phoenix -- $38
Los Angeles -- $49

For Single Drivers

City American National USAA
Austin -- $61
Chicago -- $69
Philadelphia -- $41
Phoenix -- $57
Los Angeles -- $88

For Male Drivers

City American National USAA
Austin -- $55
Chicago -- $59
Philadelphia -- $37
Phoenix -- $52
Los Angeles -- $81

For Female Drivers

City American National USAA
Austin -- $54
Chicago -- $56
Philadelphia -- $34
Phoenix -- $43
Los Angeles -- $56

For Drivers with a Speeding Ticket

City American National USAA
Austin -- $72
Chicago -- $84
Philadelphia -- $44
Phoenix -- $68
Los Angeles -- $114

For Drivers with No Speeding Ticket

City American National USAA
Austin -- $50
Chicago -- $52
Philadelphia -- $35
Phoenix -- $43
Los Angeles -- $59

For Drivers Age Between 18-40

City American National USAA
Austin -- $61
Chicago -- $71
Philadelphia -- $41
Phoenix -- $58
Los Angeles -- $95

For Drivers Age Between 40-65

City American National USAA
Austin -- $43
Chicago -- $42
Philadelphia -- $28
Phoenix -- $34
Los Angeles -- $48

For Drivers Age of 65+

City American National USAA
Austin -- $71
Chicago -- $66
Philadelphia -- $46
Phoenix -- $56
Los Angeles -- $48

For Drivers with Average Credit

City American National USAA
Austin -- $59
Chicago -- $67
Philadelphia -- $41
Phoenix -- $51
Los Angeles -- $67

For Drivers with Fair Credit

City American National USAA
Austin -- $56
Chicago -- $55
Philadelphia -- $36
Phoenix -- $46
Los Angeles -- $54

For Drivers with Good Credit

City American National USAA
Austin -- $45
Chicago -- $46
Philadelphia -- $32
Phoenix -- $38
Los Angeles -- $55

For Drivers with Excellent Credit

City American National USAA
Austin -- $57
Chicago -- $62
Philadelphia -- $34
Phoenix -- $56
Los Angeles -- $99

Quotes & Discounts

State American National USAA
Alabama $59/mo
--
Alaska $597/mo
--
Arizona $24/mo
--
California $22/mo
--
Colorado $42/mo
--
Connecticut $25/mo
--
Delaware $36/mo
--
Florida $25/mo
--
Georgia $27/mo
--
Hawaii $35/mo
--
Idaho $21/mo
--
Illinois $23/mo
--
Iowa $41/mo
--
Kansas $81/mo
--
Kentucky $63/mo
--
Louisiana $69/mo
--
Maryland $57/mo
--
Massachusetts $25/mo
--
Michigan $23/mo
--
Minnesota $23/mo
--
Nebraska $24/mo
--
Nevada $378/mo
--
New Jersey $23/mo
--
New Mexico $218/mo
--
New York $24/mo
--
North Carolina $27/mo
--
North Dakota $74/mo
--
Ohio $25/mo
--
Oklahoma $23/mo
--
Oregon $32/mo
--
Pennsylvania $22/mo
--
South Carolina $90/mo
--
South Dakota $110/mo
--
Tennessee $24/mo
--
Texas $21/mo
--
Utah $22/mo
--
Virginia $23/mo
--
Washington $81/mo
--
Washington D.C. $61/mo
--
West Virginia $57/mo
--
Wisconsin $27/mo
--
Discount Type American National USAA
Accident Free Discount
up to 30%
--
Good Student Discount
up to 15%
Varies
Multiple Policy Discount
Varies
up to 9%
Provider Switch Discount
Varies
--
Passive Restraint Discount
Varies
up to 15%
Motor club discount
Varies
--
Vehicle Storage Discount
--
up to 60%
Anti-Theft Device Discount
--
up to 20%
Student Away at School Discount
--
up to 20%
Military Discount
--
up to 15%
Multiple Vehicle Discount
--
up to 13%
Family Discount
--
up to 10%
Good Driver Discount
--
up to 10%
Accident Forgiveness
--
Varies
Driving training discount
--
Varies
Daytime Running Lights Discount
--
Varies
teenSMART Discount
--
Varies
New Car Discount
--
Varies
Loyalty Discount
--
Varies
Low Mileage Discount
--
Varies
Defensive Driver Discount
--
Varies
Anti-lock Brake Discount
--
Varies
Compare Quotes

Payment Methods

Payment Type American National USAA
Online Payment Complete Tick Complete Tick
Mail Payment Complete Tick Complete Tick
Automatic Online Payment Complete Tick Complete Tick
Credit Card Payment Complete Tick
--
Mobile App Payments
--
Complete Tick

Feature and Services

Features and Services American National USAA
24/7 service Complete Tick Complete Tick
Roadside assistance Complete Tick Complete Tick
Loyalty rewards program Complete Tick
--
Online account management Complete Tick Complete Tick
Mobile app
--
Complete Tick
Flexible / convenient payments
--
Complete Tick

Optional Coverages

Coverage Type American National USAA
Roadside Assistance Complete Tick Complete Tick
Rental Reimbursement Complete Tick Complete Tick
Accidental Death, Dismemberment, Disability Complete Tick
--
Work Loss Coverage Complete Tick
--
New Car Replacement Coverage Complete Tick
--
Gap Insurance Complete Tick
--
Antique or Collector Car Insurance Complete Tick
--
Original Equipment Manufacturer Coverage Complete Tick
--
Umbrella Policy Complete Tick
--
Accident Forgiveness
--
Complete Tick
Extended Coverage
--
Complete Tick

Insurance by State

  • Car Insurance
  • Life Insurance
  • Umbrella Insurance
  • Motorcycle Insurance
  • Renters Insurance
  • Home / Condo Insurance
  • American National
  • USAA
  • Both

Uber and Lyft driver insurance:

  • American National
  • USAA
  • Both

Compare Insurance Products

Product American National USAA
  Aviation Insurance
--
Complete Tick
  Boat Insurance
--
Complete Tick
  Business Insurance Complete Tick
--
  Car Insurance Complete Tick Complete Tick
  Classic Car Insurance Complete Tick Complete Tick
  Collectibles Insurance
--
Complete Tick
  Condo Insurance
--
Complete Tick
  Dwelling Fire Insurance
--
Complete Tick
  Farm Insurance Complete Tick Complete Tick
  Flood Insurance
--
Complete Tick
  Health Insurance Complete Tick
--
  Home Insurance Complete Tick Complete Tick
  Life Insurance Complete Tick Complete Tick
  Mobile Home Insurance
--
Complete Tick
  Motorcycle Insurance
--
Complete Tick
  Personal Articles Insurance
--
Complete Tick
  RV Insurance
--
Complete Tick
  Recreational Insurance Complete Tick
--
  Renters Insurance Complete Tick Complete Tick
  Small Business Insurance
--
Complete Tick
  Umbrella Insurance
--
Complete Tick

Popular Comparisons

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User Reviews

  • American National Reviews
  • USAA Reviews
★ ★★ ★★
3.6
12 user reviews
5 Stars
50% Complete
50%
4 Stars
8% Complete
8%
3 Stars
16% Complete
16%
1 Star
25% Complete
25%
Write a Review
Most Positive Review
★ ★★ ★★
By Pj Country
January 11, 2018

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
November 23, 2017

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

★ ★★ ★★
2.8
1,647 user reviews
5 Stars
37% Complete
37%
4 Stars
5% Complete
5%
3 Stars
5% Complete
5%
2 Stars
7% Complete
7%
1 Star
47% Complete
47%
Write a Review
Most Positive Review
★ ★★ ★★
By Donna
October 23, 2017

Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.

Most Critical Review
★ ★★ ★★
By Roo
December 19, 2018

I was a customer of USAA for years, then discovered that they had someone else's car on my policy (and had removed my car). When I spoke to them about it, they said that if they had to research it find out whose fault it is, that they would retroactively raise my rates for the past two years - even though my car is 4 years older than they can that was insured. Amazing how quickly the conversation turned from "lets see what's happening" to "we need to cover our ass and make this issue go away". This isn't doing what's right for the customer. As a result, I shopped them and discovered that I could get identical coverage with another national insurance carrier for half the annual cost.

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