American National is fifth place among the nation's top car insurance providers, and it climbs to second for affordability. Budget-conscious drivers looking for quality coverage have good reason to consider it.
American National Car Insurance Review
Updated: September 9, 2026
Advertising & Editorial Disclosure
Key Takeaways
American National ranks first for full coverage affordability and minimum liability coverage, with average rates of $67 and $27 monthly, respectively.
American National ranks 16th nationwide for overall customer satisfaction, trailing competitors despite strong market presence and policyholder reviews.
American National ranks 11th for coverage options. The company offers accident forgiveness programs, roadside assistance and rental car reimbursement.
American National Car Insurance Ratings
| Overall Score | 4.6 | 5 |
| Customer Experience | 4.4 | 16 |
| Coverage | 2.91 | 11 |
| Affordability | 4.98 | 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:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
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:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
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 customer experience study. Customer reviews cite responsive agent service and a user-friendly digital platform, though claims processing generates more complaints.
Buying Process ExperienceAmerican 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 ManagementCustomers 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 ExperienceClaims 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- | Maintains strong ability to meet financial obligations and pay claims with 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, though 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 | Moody's doesn't currently rate American National |
J.D. Power Auto Claims Satisfaction | Data Not Available | 1,000-point scale | American National doesn't appear in 2024 rankings (Industry leader: NJM with 782/1,000) |
J.D. Power Digital Service Experience | Data Not Available | 1,000-point scale | Not included in 2024 rankings (Industry leader: Erie Insurance with 730/1,000) |
J.D. Power Auto Insurance Shopping Study | Data Not Available | Out of 1,000 | Doesn't appear in 2024 rankings (Industry leader: Erie Insurance with 730/1,000) |
J.D. Power Overall Customer Satisfaction | Data Not Available | Out of 1,000 | American National doesn't appear in regional rankings |
NAIC Auto Complaints | Data Not Available | 1.00 is average | No complaint index data available |
American National Car Insurance Reddit and Forum Customer Satisfaction
American National customers on Reddit and online forums praise the company's stability, competitive rates and personalized service through local agents. Still, some note limited digital capabilities and slower adoption of modern insurance technologies.
Pricing draws mostly favorable comments overall.
"Cheapest, no, but fair is the word for American National's rates, and they don't hike them every renewal the way some companies do. A little extra for that kind of stability seems worth it."
Claims processing gets a mixed response.
"Thorough is an understatement for how American National investigated my collision claim. Longer than I'd have liked, sure, but the settlement was fair and everything that should've been covered was."
"Hail damage meant filing a comprehensive claim, and the payout was fair in the end, but getting there took longer than what I hear about from bigger companies. Lowballing me wasn't part of it, at least, and that counts for something."
Customer service lands in moderate territory overall: local agent relationships earn praise, but corporate service is where consistency breaks down.
"Fantastic is the word for my local American National agent. He knows my family's history and always makes time to explain changes or answer questions. That personal touch is what keeps me loyal."
"Calling the main customer service number is a gamble, hit or miss depending on the day. One call gets someone helpful, the next makes you feel like a policy number instead of a person. Going through the local agent beats it every time."
Lower ratings follow the digital platform specifically.
"American National's website and app are outdated. Simple tasks work fine online, but anything more complex still means calling or visiting my agent. More investment in their digital platforms would go a long way."
Longevity and financial stability keep trust levels high.
"American National has stuck around forever. They're not flashy or cutting-edge, but they show up when it counts. That reliability is worth something."
Traditional coverage options and the chance to customize policies with an agent both draw customer appreciation:
"American National has straightforward, dependable coverage options. My agent got me exactly what I needed, no unnecessary add-ons or confusing extras tacked on."
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, homeowners, renters, condo, life insurance, annuities, farm and ranch, business, motorcycle, classic/collector, recreational vehicle, boat/watercraft |
Third-Party Partner | No specific third-party partnerships on the 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:
American National takes fifth place in MoneyGeek's provider rankings. Affordability is where it excels most, landing second place among all carriers evaluated.
American National is the best car insurance company in Colorado.
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.
Some customers report denied claims linked to narrow policy interpretations and documentation requirements that appeared designed to discourage payouts.
American National offers the best overall rates for drivers with DUIs and speeding tickets.
American National and other insurers increase rates over time because of inflation and rising claim costs from distracted driving and severe weather.
How We Rated American National Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers across every U.S. ZIP code.
Standard Driver Profile Used for Analysis
A baseline driver profile kept rate comparisons consistent across the board. That standard driver has these characteristics:
- Age: 40 years old, man
- 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
Age, driving record, credit score and military status were among the variables modified next, to see which insurers have the best rates for different driver categories. State-required minimums set the floor for minimum coverage rates. A full coverage policy includes 100/300/100 liability limits, comprehensive and collision coverage, and $1,000 deductibles.
Company Rating System
MoneyGeek's evaluation process weighted three factors:
- Cost (60%): How competitively each insurer prices its policies against local competitors shows up in quote comparisons across multiple driver profiles within each city.
- Customer satisfaction (30%): Overall service quality and customer experience come through in feedback from Google reviews, J.D. Power ratings, AM Best scores and Reddit forums.
- Coverage variety (10%): Policy breadth, unique features and each provider's coverage options all factor into this score.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- Apple App Store. "Progressive Ratings and Reviews." Accessed September 20, 2026.
- Google Play. "Progressive - Apps on Google Play." Accessed September 20, 2026.