)
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.
Katie Powers Auto and Life Insurance EditorKatie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Data reviewed by Konstantin Halachev Konstantin Halachev VP of Engineering & Data ScienceKonstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated February 9, 2024
Secure. Free. Easy-to-use.
Advertiser Disclosure Advertiser DisclosureAt Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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 FactsAmerican 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 ComparesThe 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 $211 per month for full coverage and $104 per month for liability insurance.
American National’s rates start at $56 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviewsIt’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.
There are very few reviews for American National, and they largely skew negative. Lack of communication was the biggest complaint cited.
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.
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-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 insurance helps cover damage to your vehicle caused by non-collision events, such as theft, vandalism, and accidents involving animals.
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.
If your car breaks down or you lock yourself out, roadside assistance can help get you back on the road.
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 is short for “added coverage endorsement” and may help cover replacement parts if you damage your vehicle.
Insurify partners with top companies to generate free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviewsThe 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.
State Average Quote: Full Coverage Average Quote: Liability OnlyDisclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Driving History Average Quote: Full Coverage Average Quote: Liability OnlyDisclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 QuoteDisclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 RequirementsWith 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 ScoreThe 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
)
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.
)
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.
Insurify partners with top companies to generate free quotes
