6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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American National is a Texas-based company that sells a variety of insurance products, such as auto, life, homeowners, renters, health, and business insurance. Standout features from the company include the opportunity to earn cash back for remaining claims-free for three years and free rental cars for customers with comprehensive and collision coverage.[1]
Customers pay lower-than-average monthly premiums, but the company has poor customer satisfaction rankings and limited discounts and coverage options.
Here’s what you need to know to decide if American National is the right insurer for you. As always, the best way to find cheap car insurance is to compare quotes from multiple insurers at the same time.
Quick Facts
Drivers pay $56 per month for liability insurance and $101 for full-coverage insurance from American National, on average.
Customers can earn a bundling discount for purchasing multiple policies with American National.
American National earned an AM Best Financial Strength rating of A (Excellent).
How American National stacks up
American National has many characteristics similar to those of its competitors, but it does have lower average rates than other companies of its size. Unfortunately, American National offers far fewer discounts than some of its competitors.
Factor
How American National Compares
Rates
Cheaper
Customer service
Worse than competitors
Discounts
Less than competitors
Availability
Average
Financial strength
Average
Average cost of American National auto insurance
The average cost of American National auto insurance is $101 per month for full-coverage insurance and $56 for liability-only insurance.
American National rates are significantly less than the national car insurance averages of $193 per month for full coverage and $107 per month for liability insurance.
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American National’s rates start at $56 per month for liability coverage
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Based on 3,806+ reviews
4.8/5
American National insurance reviews and ratings
It’s important to compare insurance company ratings before choosing a company. Industry ratings can help you gauge a company’s financial strength, reliability, and customer satisfaction. You should also take time to review online customer reviews to learn how current and former policyholders feel about coverage from American National.
Learn more about how American National stacks up in the industry below.
American National customer reviews
There are very few reviews for American National, and they largely skew negative. Lack of communication was the biggest complaint cited.
American National ratings
Several agencies issue financial strength ratings, including AM Best, S&P, Weiss, and Fitch. Companies with high ratings have indicated an ability to pay out claims. The National Association of Insurance Commissioners (NAIC) Complaint Index keeps track of customer complaints and issues a score based on other companies of a similar size.
Though you should consider a variety of factors when choosing an auto insurer, it’s important to look at how the industry views the company. See American National’s ratings below.
AM Best: A (Excellent)
S&P: A (Stable)
Weiss: B
NAIC Complaint Index: 0.56 (Below average)
Fitch: A (Stable)
American National car insurance coverage options
American National car insurance coverage options include the standard minimum amounts of insurance required by states (liability-only insurance). It also offers collision, comprehensive, and full-coverage insurance for people who want stronger protection. Additional coverage options include roadside assistance, gap insurance, and ACE insurance.
Learn more about coverage options from American National below:
Liability coverage
Liability-only insurance meets the minimum-coverage requirement in most states. It helps pay for the property damage and medical expenses of the other driver if you cause an accident.
Comprehensive coverage
Comprehensive insurance helps cover damage to your vehicle caused by non-collision events, such as theft, vandalism, and accidents involving animals.
Collision coverage
Collision insurance helps pay to repair or replace your vehicle if you have an accident with another vehicle or object, such as a building or pole.
Roadside assistance coverage
If your car breaks down or you lock yourself out, roadside assistance can help get you back on the road.
Gap insurance
If you total your car, gap insurance helps cover the difference between the value of your vehicle and the remaining balance on your car loan.[2]
ACE insurance
ACE insurance is short for “added coverage endorsement” and may help cover replacement parts if you damage your vehicle.
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American National car insurance cost by state
The cost of coverage and car insurance requirements vary depending on the state you live in. For example, if your state has higher minimum-coverage requirements or your ZIP code has a higher accident rate, you may pay higher average rates.
In the table below, you’ll find average monthly quotes for some of the states in which American National operates. The company offers cheap car insurance rates, on average.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
American National auto insurance rates by driving history
Car insurance rates can vary based on your driving history. For example, if you have a clean driving record, you’ll generally pay less for an auto policy than someone with incidents on their record — such as speeding tickets, at-fault accidents, or DUIs.[3]
Even if you’ve been in an incident on the road, the negative effect on your driving record and premium should diminish over time with safe driving habits.
The table below includes American National’s average monthly full-coverage and liability-only insurance rates for different driving histories.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
American National car insurance cost by age
Your age has a significant effect on how much you pay for coverage. Teen drivers pay the most for a car insurance policy due to higher accident rates and limited driving experience. Senior drivers may receive higher car insurance rates than middle-aged drivers because they’re more likely to suffer serious injuries in the event of a car accident.
The table below shows American National’s average monthly car insurance rates for drivers of different age groups.
Age Group
Average Monthly Quote
Teens
$180
20s
$125
30s
$94
40s
$86
50s
$75
60s
$71
70s
$75
80+
N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
American National car insurance discounts
Car insurance discounts are worth considering when choosing the right insurer. American National offers a few discounts to help you save money on your car insurance.
Discount
Eligibility Requirements
Multi-policy (bundling)
Purchase home, auto, and life insurance with American National
Cash back
Three years claim-free
Have home and auto insurance with American National
Single deductible
Have home and auto insurance with American National
Car and home incur damage in same event
Deductible waiver
Applies to an accident with another American National customer
American National vs. other insurance companies
With many car insurance options, it can be challenging to know which company is right for you. It’s important to shop around and get quotes from multiple companies to find the best deal and policy for your needs.
Here’s how American National stacks up to other insurance companies.
Insurance Company
Liability Only
Full Coverage
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
American National
$56
$101
3.7
Nationwide
$90
$181
9.0
National General
$100
$100
7.0
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
American National vs. Nationwide
Nationwide is one of the largest insurance and financial services companies in the world. Nationwide offers a variety of insurance products, such as vehicle, renters, flood, pet, travel, life insurance, and home insurance. Like American National, Nationwide has an AM Best financial strength rating of A (Excellent).
One difference between Nationwide and American National is that Nationwide is available in 46 states and Washington, D.C., while American National is available in all 50 states, D.C., and Puerto Rico. If you live in one of the states Nationwide doesn’t operate in, you’ll need to choose another insurance company.
Both Nationwide and American National offer life insurance products such as whole life insurance. Unlike American National, Nationwide also offers term life policies. Nationwide may be a good option if you need specific coverage not offered by American National, such as pet, flood, or term life insurance.
American National vs. National General
Owned by Allstate, one of the largest insurers in the United States, National General provides a similar array of insurance products to American National, including personal and commercial auto, homeowners, renters, and umbrella insurance.
One area where National General excels is discounts. National General offers many ways to save on your car insurance premium, such as multi-policy, pay-in-full, low-mileage, multi-vehicle, and safe driver discounts. National General has a slightly higher AM Best financial strength rating than American National, of A+ (Superior).
National General policyholders may also receive a rate discount with DynamicDrive, an app that tracks driving habits. Drivers who qualify for one or more discounts may find more value in National General than American National.
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How to file an auto insurance claim with American National
If you need to file an auto insurance claim with American National, follow these general steps:
1. Contact American National. It’s essential to notify American National immediately after getting into an accident. Call 1 (800) 333-2860 or start the claims process through American National’s website or mobile app.
2. Gather the necessary documents. American National will ask you for specific information to file your claim. For example, you may need to provide a copy of the police report and pictures of the damage to your vehicle.
3. Submit your claim and supporting documentation as soon as possible. It’s important to gather the required documents and submit the information to American National as quickly as possible to ensure timely processing of your claim.
American National Insurance FAQs
Deciding on the best car insurance company and amount of coverage for your needs can feel overwhelming. Find answers below to some commonly asked questions about American National Insurance.
Is American National legitimate?
Yes. American National is a legitimate insurance company established in 1905. American National offers a wide range of insurance products, such as auto, homeowners, life, and auto insurance, serving customers across all 50 states, D.C., and Puerto Rico.
What is the average cost of American National car insurance?
The average cost of American National car insurance is $101 per month for full coverage and $56 per month for liability insurance.
Is American National good at paying claims?
Yes. American National has a good reputation for paying claims. American National has an AM Best financial strength rating of A (Excellent). This measures a company’s ability to fulfill its financial obligations.
Who owns American National insurance company?
Brookfield Reinsurance, a private equity firm, owns American National. Brookfield acquired American National for $5.1 billion in 2022.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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