American National ranks fifth overall , positioning it among the top car insurance providers in the nation. It ranks second for affordability, making it an excellent choice for budget-conscious drivers seeking quality coverage.
American National Car Insurance Review
Updated: September 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
American National ranks 1st for full coverage affordability and 1st for minimum liability coverage with average rates of $67 and $27 monthly respectively.
American National ranks 16th nationwide for overall customer satisfaction, falling behind competitors despite their strong market presence and reviews from policyholders.
American National earns the 11th spot for coverage options, offering accident forgiveness programs and roadside assistance with rental car reimbursement.
American National Car Insurance Ratings
| Overall Score | 4.60 | 5 |
| Customer Experience | 4.40 | 16 |
| Coverage | 2.92 | 11 |
| Affordability | 4.99 | 2 |
Who Is American National Car Insurance Best and Worst For?
American National delivers cheap rates for young drivers, adult drivers, those with a DUI and drivers with newer cars.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.15 | 22 |
How Much Does American National Car Insurance Cost?
American National vehicle insurance costs range from $21 to $1,442 monthly, depending on your profile and coverage choices.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $240 | $2,881 | -13% | 16 |
American National Car Insurance Rates by Driver Category
American National ranks among the cheapest car insurance companies for most drivers, including those with accidents, DUIs, speeding tickets and both newer and older vehicles.
| Adult Drivers | $26 | $66 | -46% | 2 |
| Drivers With a DUI | $42 | $105 | -54% | 1 |
| Drivers With an Accident | $37 | $92 | -46% | 4 |
| Drivers With a Speeding Ticket | $34 | $84 | -43% | 1 |
| Drivers With Bad Credit | $95 | $235 | -4% | 22 |
| Drivers With Low Income | $44 | $109 | -29% | 8 |
| Drivers With Newer Cars | $32 | $78 | -52% | 1 |
| Drivers With Old Cars | $24 | $61 | -43% | 2 |
| Senior Drivers | $40 | $87 | -40% | 4 |
| Young Drivers | $62 | $147 | -45% | 1 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
American National Car Insurance Discounts
American National offers four car insurance discounts, with savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Early Application Discount | Not specified | Apply for policy before current one expires | Available across all 50 states |
Multi-Policy Discount | Not specified | Insure vehicle, home, and life with American National ("Earn savings on qualifying home and auto premiums") | Available across all 50 states |
Multi-Car Discount | Not specified | Own multiple cars ("The more cars you own, the more you'll save") | Available across all 50 states |
Company Vehicle Deductible Waiver | Discount or complete waiver | Involved in accident with another vehicle also insured by American National | Available across all 50 states |
American National Car Insurance Customer Reviews and Reputation
American National ranked 16th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight the company's responsive agent service and user-friendly digital platform, though claims processing generates more complaints.
Buying Process Experience
American National offers coverage in all 50 states and Puerto Rico but was not included in major J.D. Power studies. Its website provides basic functionality for obtaining quotes and information.
Some customers like the company's long-standing history (founded 1905) and lower-than-average premiums (approximately 36% cheaper than national average).
Policy Management
Customers can access their policies, make payments, and file claims through the website and mobile app, though the app is not user-friendly.
American National's customer satisfaction is poor, with extended hold times. Despite this, its National Association of Insurance Commissioners (NAIC) complaint index is 0.87 (below the 1.0 average), which means fewer complaints.
Claims Experience
Claims processing gets negative reviews. with Trustpilot showing only 1.5 stars from 116 reviews and BBB lacking accreditation or rating. While the company maintains AM Best's "A" rating for financial strength, actual customer experiences suggest poor claims handling.
American National Car Insurance Industry Customer Satisfaction Ratings
American National ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas.
AM Best Financial Strength | A (Excellent) | A++ to D- | Strong ability to meet financial obligations and pay claims - 83 consecutive years of A rating or better |
AM Best Long-Term Credit Standing | a (Excellent) downgraded from a+ | aaa to d | High credit quality - recently downgraded from a+ |
S&P Global Financial Strength | A (Strong) | AAA to D | Strong financial security characteristics - recently reaffirmed |
Moody's Financial Strength | Not Rated | Aaa to C | No current rating available from Moody's |
J.D. Power Auto Claims Satisfaction | Data Not Available | 1,000-point scale | Unable to locate American National in 2024 rankings (Industry leader: NJM 782/1,000) |
J.D. Power Digital Service Experience | Data Not Available | 1,000-point scale | Unable to locate American National in 2024 rankings (Industry leader: Progressive 737/1,000) |
J.D. Power Auto Insurance Shopping Study | Data Not Available | Out of 1,000 | Unable to locate American National in 2024 rankings (Industry leader: Erie Insurance 730/1,000) |
J.D. Power Overall Customer Satisfaction | Data Not Available | Out of 1,000 | Unable to locate American National in regional rankings (varies by region) |
NAIC Auto Complaints | Data Not Available | 1.00 is average | Unable to locate specific complaint index score |
American National Car Insurance Reddit and Forum Customer Satisfaction
American National customers on Reddit and online forums often praise the company's long-standing stability, competitive rates and personalized service through local agents.
Concerns include its limited digital capabilities and slower adoption of modern insurance technologies.
Pricing and Value
General thoughts on pricing are generally positive.
"American National isn't the absolute cheapest, but their rates are fair and they don't jack them up every renewal like some companies do. The stability is worth paying a little extra for."
Claims Processing
Claims processing experiences are mixed.
"When I had a collision claim, American National was very thorough in their investigation. It took a bit longer than I hoped, but they were fair with the settlement and covered everything they should have."
"Filed a comprehensive claim for hail damage and while they eventually paid fairly, the process felt slower than what I hear about with some of the bigger companies. But at least they didn't try to lowball me."
Customer Service
Customer service receives moderate reviews, with local agent relationships being praised but corporate service being less consistent:
"My local American National agent is fantastic - knows my family's history and always takes time to explain changes or answer questions. The personal touch really makes a difference."
"Customer service through the main number can be hit or miss. Sometimes you get someone helpful, other times you feel like you're just a policy number. The local agent route is definitely better."
Digital Experience
The digital platform receives lower ratings.
"American National's website and app feel pretty outdated compared to what's available. I can handle simple tasks online, but for anything more complex I still need to call or visit my agent. Would love to see them invest more in their digital platforms."
Trust and Reputation
Trust levels are solid, with the company's longevity and financial stability being key factors:
"American National has been around forever and they're financially solid. They might not be flashy or cutting-edge, but they'll be there when you need them. That reliability matters."
Coverage Options
Customers appreciate traditional coverage options and the ability to work with agents to customize policies:
"American National offers solid, straightforward coverage options. My agent helped me get exactly what I needed without a bunch of unnecessary add-ons or confusing extras."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with J.D. Power, independent agents, NAIC and the Insurance Information Institute.
American National Car Insurance Coverage Options
American National provides standard auto coverages, including liability, comprehensive and collision protection. The company also offers these add-ons:
Roadside Assistance | 24-hour emergency assistance including towing, jump starts, flat tire service, lockout service, fuel delivery, winching | Available through phone, online, or mobile app; Call 800-333-2860; Nationwide coverage |
Gap Insurance | Pays difference between vehicle's actual cash value and outstanding loan/lease balance if totaled | Requires comprehensive and collision coverage; Fills financing gap after total loss |
ACE Insurance (Added Coverage Endorsement) | Covers replacement parts for damaged vehicles | Helps cover replacement parts on damaged vehicles; Chat with agent for specific details |
Custom Equipment Coverage | Coverage for customized/aftermarket equipment and modifications | Up to $2,000 coverage included with Comprehensive & Collision coverage |
Deductible Discount/Waiver | Reduced or waived deductible for accidents with other American National customers | Discount or complete waiver available; May not be available in all states |
Rental Car Reimbursement | Coverage for rental car expenses during repairs | Included with comprehensive and collision coverage at no additional charge |
Accidental Death and Dismemberment | Cash payment for death or severe injury in vehicle accident | Provides payment for vision loss, limb loss, or death from vehicle accident |
Special Farm Package 10® (SFP 10) | Comprehensive farm/ranch coverage combining personal, farm, business property and liability | Flexible customizable program for working farms and hobby farms |
Other American National Insurance Coverage Options to Consider
You can bundle several insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
American (Directly Offered) | Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Life Insurance, Annuities, Farm & Ranch Insurance, Business Insurance, Motorcycle Insurance, Classic/Collector Car Insurance, Recreational Vehicle Insurance, Boat/Watercraft Insurance |
Third-Party Partner | No specific third-party partnerships mentioned on official website |
American National Auto Insurance Review: Bottom Line
American National ranks best in affordability, customer experience and coverage. It earned sixth place overall for full coverage and third for minimum coverage. We recommend that you compare providers before deciding on insurance.
American National Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about American National car insurance:
Does American National insurance have a good reputation?
Yes, American National takes fifth place in our comprehensive car insurance provider rankings. The insurer particularly excels in affordability, where it earned second place among all carriers we evaluated.
Where is American National the best car insurance company?
American National is the best car insurance company in one out of 51 states and territories including:
- Colorado
How much does American National car insurance cost on average?
American National charges adults an average of $336 annually for minimum coverage and $829 for full coverage. Annual premiums range from $250 to $5,490 for minimum and $630 to $12,242 for full coverage.
Is American National known for denying claims?
Reviewers describe frustrating experiences where claims were denied due to narrow policy interpretations and extensive documentation requirements that seemed designed to discourage payouts.
Is American National a good option for high-risk drivers?
American National ranks first overall for drivers with DUI and speeding tickets.
Does American National raise car insurance rates over time?
Yes, American National and other insurers increase rates over time due to inflation and claim costs from distracted driving and severe weather events.
How We Rated American National Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "Progressive Ratings and Reviews." Accessed September 25, 2025.
- Google Play. "Progressive - Apps on Google Play." Accessed September 25, 2025.