Ratings
User Ratings
| Options | American National | USAA |
|---|---|---|
| Rating/Reviews |
12 reviews
|
1,647 reviews
|
Mobile App Ratings
| Brand | American National | USAA |
|---|---|---|
| iOS |
--
|
3,600 reviews
|
| Android |
--
|
98,577 reviews
|
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 |
Payment Methods
| Payment Type | American National | USAA |
|---|---|---|
| Online Payment |
|
|
| Mail Payment |
|
|
| Automatic Online Payment |
|
|
| Credit Card Payment |
|
--
|
| Mobile App Payments |
--
|
|
Feature and Services
| Features and Services | American National | USAA |
|---|---|---|
| 24/7 service |
|
|
| Roadside assistance |
|
|
| Loyalty rewards program |
|
--
|
| Online account management |
|
|
| Mobile app |
--
|
|
| Flexible / convenient payments |
--
|
|
Optional Coverages
| Coverage Type | American National | USAA |
|---|---|---|
| Roadside Assistance |
|
|
| Rental Reimbursement |
|
|
| Accidental Death, Dismemberment, Disability |
|
--
|
| Work Loss Coverage |
|
--
|
| New Car Replacement Coverage |
|
--
|
| Gap Insurance |
|
--
|
| Antique or Collector Car Insurance |
|
--
|
| Original Equipment Manufacturer Coverage |
|
--
|
| Umbrella Policy |
|
--
|
| Accident Forgiveness |
--
|
|
| Extended Coverage |
--
|
|
Insurance by State
- American National
- USAA
- Both
Uber and Lyft driver insurance:
- American National
- USAA
- Both
Compare Insurance Products
| Product | American National | USAA |
|---|---|---|
 Aviation Insurance |
--
|
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 Boat Insurance |
--
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 Business Insurance |
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--
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 Car Insurance |
|
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 Classic Car Insurance |
|
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 Collectibles Insurance |
--
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 Condo Insurance |
--
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 Dwelling Fire Insurance |
--
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 Farm Insurance |
|
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 Flood Insurance |
--
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 Health Insurance |
|
--
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 Home Insurance |
|
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 Life Insurance |
|
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 Mobile Home Insurance |
--
|
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 Motorcycle Insurance |
--
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 Personal Articles Insurance |
--
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 RV Insurance |
--
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 Recreational Insurance |
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--
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 Renters Insurance |
|
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 Small Business Insurance |
--
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 Umbrella Insurance |
--
|
|
User Reviews
Most Positive Review
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
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
Most Positive Review
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
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.
January 11, 2018