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Table of Contents
Car insurance is a must for every driver in the U.S., saving you from financial headaches after accidents, theft, or unexpected events. With numerous providers available, choosing the correct one can be a daunting task. That’s where American National Car Insurance comes in as a trusted name offering affordable, customizable coverage with a focus on customer care. In this guide, we’ll dive into everything you need to know about American National, from its history and coverage options to pricing, customer reviews, and how it stacks up against competitors. Whether you’re a budget-conscious driver or looking for robust protection, this article will help you decide if American National is your perfect match.
About American National Car Insurance
Founded in 1905, American National Car Insurance Company has been a cornerstone of the insurance world for over a century. Headquartered in Galveston, Texas, the company works in all 50 states, offering a range of products like auto, home, life, and business insurance. Known for its powerful financial stability and customer-first approach, American National has built a reputation as a reliable choice for drivers across the country. Its commitment to personalized service through local agents sets it apart in an industry often dominated by impersonal call centers..
Mission and Values
American National’s mission is simple: deliver hassle-free, cheap insurance solutions tailored to your requirements. The company emphasizes empathy, trust, and reliability, viewing insurance as a relationship rather than just a product. Its values include:
- Customer Satisfaction: Prioritizing your needs with personalized policies.
- Affordability: Offering competitive rates without sacrificing coverage.
- Integrity: Operating with transparency and fairness in all interactions.
- Community Focus: Supporting local communities through trained agents and give-back initiatives.
Financial Stability
When selecting an insurer, financial strength matters, as it ensures claims are paid promptly. American National holds an A (Excellent) rating from AM Best, a leading insurance rating agency, reflecting its ability to meet policyholder obligations. Standard & Poor’s also rates the company A, reinforcing its solid financial footing. This strength gives drivers peace of mind, knowing American National car insurance can handle claims even in tough economic times.
Types of Car Insurance Policies Offered
American National Car Insurance offers a full suite of car insurance policies to meet diverse driver needs. Whether you want basic coverage or extra protection, you can tailor your policy to fit your budget and lifestyle. Here’s a breakdown of their core offerings:
- Liability Coverage: Covers damages you cause to others in an accident, including bodily injury and property damage. It’s required in most states and protects you from legal and financial liability.
- Collision Coverage: Pays for repairs to your vehicle after an accident, regardless of fault. Ideal for drivers with newer or financed cars.
- Comprehensive Coverage: Protects against non-collision events like theft, vandalism, hail, or animal collisions. It’s optional but often required for leased or financed vehicles.
- Uninsured/Underinsured Motorist Coverage: Shields you if you’re hit by a driver with no or insufficient insurance. This is crucial in states with high uninsured driver rates.
- Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of fault. Required in no-fault states like Florida.
- Medical Payments (MedPay): Pays for medical expenses for you and your passengers after an accident, similar to PIP but with less extensive coverage.
Optional Add-Ons
American National Car Insurance lets you customize your policy with these extras:
- Roadside Assistance: 24/7 help for towing, flat tires, battery jumps, fuel delivery, or lockouts. Available in select states like Alabama, Georgia, and Mississippi.
- Rental Car Reimbursement: Covers rental car costs while your vehicle is repaired after a covered claim. Included free with collision or comprehensive coverage.
- Gap Insurance: Pays the difference between your car’s value and what you owe on a loan if your car is totaled. Requires collision and comprehensive coverage.
- Added Coverage Endorsement (ACE): Covers replacement parts for damaged vehicles, up to $2,000 for customized equipment like aftermarket stereos or rims.
Key Features & Benefits
American National Car Insurance stands out for its driver-focused features that balance affordability with reliability. Here’s why it’s a compelling choice:
- Customizable Coverage: Adjust limits, deductibles, and add-ons to create a policy that fits your budget and needs.
- Multi-Policy Discounts: Save by bundling auto with home, renters, or other insurance products. If both your car and home are damaged in the same event (e.g., a storm), you pay only one deductible.
- Claims Process: File claims online, via the mobile app, or by calling 1-800-333-2860. The process is straightforward, with adjusters guiding you through each step.
- Mobile App & Digital Tools: The AN Mobile App lets you view policies, pay bills, access ID cards, request roadside assistance, and file claims. It’s available on iOS and Android but lacks advanced features like live chat.
- Coverage Across States: American National operates in all 50 states and Puerto Rico, though some products and add-ons vary by state.
Unique Perks
- Cashback Program: Stay claim-free for three years and get a portion of your premiums back (availability varies by state).
- Deductible Benefits: If you’re in an accident with another American National policyholder, your deductible may be discounted or waived.
- Free Rental Car Coverage: Included with collision or comprehensive policies, saving you money on repairs.
Eligibility & Requirements
American National Car Insurance makes insurance accessible to a wide range of drivers, but there are some eligibility factors to consider:
- Who Can Apply: Most drivers qualify, including those with less-than-perfect driving records. American National is known for offering coverage to high-risk drivers in some cases.
- State Availability: Auto insurance is available in all 50 states and Puerto Rico, but specific coverages and add-ons may not be offered everywhere. For example, roadside assistance is limited to certain states.
- Driving Record and Age: Rates vary based on your driving history and age. Younger drivers or those with tickets or accidents may pay higher premiums, but discounts can help offset costs.
To get a policy, you’ll need to provide basic details like your vehicle type, driving history, and location. You can get a quote online or through a local agent using American National Car Insurance agent locator tool.
Cost & Pricing Factors
American National Car Insurance is known for competitive pricing, with average monthly rates of $56 for liability-only and $101 for full coverage, according to industry reviews. However, your actual cost depends on several factors:
- Age and Driving History: Younger drivers or those with violations (e.g., speeding tickets or DUIs) typically face higher rates.
- Vehicle Type: Luxury or sports cars cost more to insure than sedans or SUVs.
- Location: Urban areas with higher accident or theft rates lead to pricier premiums.
- Coverage Levels: Higher limits or lower deductibles increase costs.
- Credit Score: In most states, better credit can lower your rates.
Discounts Offered
American National Car Insurance offers several ways to save:
- Multi-Policy Discount: Bundle auto with home, renters, or other policies.
- Multi-Car Discount: Insure multiple vehicles on the same policy.
- Safe Driver Discount: Maintain a clean driving record for lower rates.
- Good Student Discount: Students with strong grades can save.
- Cashback Program: Get money back for staying claim-free for three years.
Example Premium Breakdown
Here’s a sample breakdown for a 30-year-old driver with a clean record driving a 2025 Toyota Camry in Texas:
| Coverage Type | Monthly Cost | Annual Cost |
|---|---|---|
| Liability ($50,000/$100,000) | $56 | $672 |
| Collision ($500 deductible) | $30 | $360 |
| Comprehensive ($500 deductible) | $15 | $180 |
| Uninsured Motorist | $10 | $120 |
| Roadside Assistance | $5 | $60 |
| Total (Full Coverage) | $116 | $1,392 |
| Total with Multi-Policy Discount (10%) | $104 | $1,253 |
Note: Rates vary by state, driver profile, and vehicle. Always get a personalized quote for accuracy.
Comparison With Competitors
How does American National Car Insurance stack up against industry giants like GEICO, State Farm, and Progressive? Here’s a comparison based on key factors:
| Feature | American National | GEICO | State Farm | Progressive |
|---|---|---|---|---|
| Average Monthly Full Coverage | $101 | $120 | $115 | $130 |
| AM Best Rating | A (Excellent) | A++ | A++ | A+ |
| J.D. Power Claims Satisfaction | Not Ranked | 871/1,000 | 891/1,000 | 870/1,000 |
| Mobile App Features | Basic (payments, claims) | Advanced (quotes, telematics) | Advanced (claims, tracking) | Advanced (snapshot program) |
| Discounts Available | Multi-policy, safe driver, good student | Multi-policy, defensive driving, military | Safe driver, telematics, student | Snapshot, multi-car, loyalty |
| State Availability | All 50 states | All 50 states | All 50 states | All 50 states |
| Unique Perks | Free rental car, cashback program | Accident forgiveness | Drive Safe & Save | Name Your Price tool |
Pros and Cons of American National
Pros:
- Affordable rates, especially for full coverage.
- Customizable policies with useful add-ons like gap insurance and roadside assistance.
- Strong financial stability with A ratings from AM Best and S&P.
- Free rental car coverage with collision or comprehensive policies.
- Local agents provide personalized service.
Cons:
- Limited discount options compared to competitors like GEICO or Progressive.
- Mobile app lacks advanced features like live chat or real-time quotes.
- Customer satisfaction ratings are lower than top-tier competitors.
- Some add-ons (e.g., roadside assistance) are not available in all states.
American national car insurance review & Satisfaction
American National Car Insurance receives mixed feedback from customers. Many praise its affordability and local agent support, with one survey respondent noting, “My agent answers the same day when I text him, which makes things easy.” However, others report problems with claims processing, such as delays or poor communication. On Yelp, some clients express frustration with slow policy surrenders or billing errors, giving the company an overall mixed rating.
- J.D. Power Ratings: American National isn’t ranked in J.D. Power’s 2025 Auto Insurance Study, but its NAIC Complaint Index score of 0.49 indicates fewer complaints than average.
- Better Business Bureau (BBB): American National is not accredited by the BBB and lacks a specific rating, which may concern some drivers.
Despite these drawbacks, American National Car Insurance focuses on affordability and personalized service, earning it loyalty from budget-conscious drivers and those who value face-to-face support.
Claims Process: Step-by-Step
Filing a claim with American National Car Insurance is straightforward, whether you use the mobile app, website, or phone (1-800-333-2860). Here’s how it works:
- Report the Incident: Contact American National immediately after an accident. Provide details like the date, time, location, and any injuries or damages.
- Submit Documentation: Share photos, police reports, or witness statements to support your claim.
- Assessment by Adjuster: An adjuster reviews your claim and may inspect your vehicle.
- Repair or Payment: Choose a repair shop or receive a direct payment for damages.
- Resolution: Most claims are processed promptly, though some customers report delays. The support team guides you throughout.
American National Car Insurance allows claims to be filed 24/7, and its agents provide hands-on help to reduce stress. However, response times can vary based on claim complexity.
FAQs About American National Car Insurance
- What types of coverage does American National Car Insurance offer?
American National provides liability, collision, comprehensive, uninsured/underinsured motorist, PIP, and add-ons like roadside assistance and gap insurance. - Is American National available in my state?
Yes, American National Agent Login operates in all 50 states and Puerto Rico, but some coverages, like roadside assistance, are limited to specific states. - How can I get a quote?
Visit americannational.com, use the AN Mobile App, or contact a local agent via the agent locator tool for a personalized quote. - What discounts are available?
You can save with multi-policy, multi-car, safe driver, and good student discounts, plus a cashback program for claim-free drivers. - How do I file a claim?
File online, through the mobile app, or by calling 1-800-333-2860. Provide incident details and supporting documents for quick processing. - Does American National cover high-risk drivers?
Yes, American National Insurance phone number often provides coverage for drivers with less-than-perfect records, though rates may be higher. - Is the mobile app easy to use?
The AN Mobile App is user-friendly for basic tasks like payments and claims but lacks advanced features like live chat or real-time quotes.
Who Should Consider American National Car Insurance?
American National Car Insurance is a great fit for:
- Budget-Conscious Drivers: Its low average rates ($101/month for full coverage) make it appealing for those watching their wallets.
- Rural or Small-Town Drivers: Local agents offer personalized service, ideal for communities where face-to-face support matters.
- Families: Good student and multi-car discounts help families save.
- Drivers Seeking Simplicity: The straightforward claims process and basic digital tools suit those who prefer no-frills insurance.
Unique offerings like the cashback program and free rental car coverage add value, especially for drivers who stay claim-free or need extra protection without added costs.
Tips for Getting the Best Rate
To save on your American National Car Insurance premium:
- Bundle Policies: Combine auto with home or renters insurance for a multi-policy discount.
- Maintain a Clean Record: Avoid tickets and accidents to qualify for safe driver discounts.
- Choose Higher Deductibles: Opt for a higher deductible to lower your monthly premium, if you can afford out-of-pocket costs.
- Ask About Discounts: Inquire about good student or multi-car discounts during your quote.
- Drop Unnecessary Coverage: For older cars, consider dropping collision or comprehensive coverage to save money.
Your quote is affected by your driving history, vehicle type, location, and coverage choices. Always compare quotes from multiple insurers to ensure you’re getting the best deal.
Conclusion: Why Choose American National Car Insurance?
American National Car Insurance offers a compelling mix of affordability, customizable coverage, and trustworthy service. With over a century of experience, strong financial stability, and a focus on client relationships, it’s a solid option for drivers seeking value without complexity. Its lower rates, free rental car coverage, and cashback program make it particularly attractive for budget-conscious drivers, families, and those in rural areas. While it may lack the advanced digital tools or extensive discounts of competitors like GEICO or Progressive, its personalized agent support and straightforward claims process keep customers satisfied.
