American National Insurance reviews and ratings
- Available in all 50 states and Puerto Rico.
- Has fewer than the expected number of complaints for auto insurance.
- Sells a wide variety of insurance products.
Founded in 1905 by William Lewis Moody Jr., American National Insurance might be a good choice for someone looking to bundle insurance products. Headquartered in Galveston, Texas, the company offers a wide variety of products, including auto, home, life and renters insurance in all 50 states. New York insurance products are written through Farm Family Casualty Insurance Company, United Farm Family Insurance Company and American National Life Insurance Company.
American National auto insurance
American National auto insurance earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.
» MORE: The best car insurance companies for 2020
In addition to the usual car insurance coverages like roadside assistance, American National Insurance sells:
- Gap insurance, which pays the difference between the actual cash value of your car and the amount you owe on your car loan if your vehicle is totaled or stolen. You must have comprehensive and collision coverage to buy gap insurance.
- ACE insurance, which stands for “added coverage endorsement,” for when you need to replace parts on a damaged vehicle. This includes repairing the vehicle with new original equipment manufacturer (OEM) parts, vehicle replacement for new cars and coverage for up to $100 of personal items. Renters and homeowners insurance also provide coverage in some cases if your personal items are stolen or destroyed.
Auto insurance policies from American National include these perks (though they may not be available in all states):
- Cash-back program if you have both auto and home policies. You can earn a percentage of your premiums back if you remain claim-free for three years.
- Pay one deductible, the amount subtracted from a claim payout, if your auto and home are damaged from the same incident and you have both policies through American National Insurance.
- Discounted or no deductible if you’re in a car accident with another American National customer.
If you buy comprehensive and collision insurance, benefits include:
- Up to $2,000 worth of customized equipment coverage.
- Rental car reimbursement.
» MORE: Car insurance quotes: What you need to know
American National’s auto insurance discounts include:
- Discount if you apply for a policy before your current one ends.
- Discount if you bundle auto, home and life insurance.
» MORE: Compare car insurance rates
American National homeowners insurance
American National offers standard homeowners insurance coverage. Policies are also available for condo owners. Home insurance discounts include a multiple-policy discount.
American National life insurance
Term life insurance policies are available for terms of five, 10, 15, 20 and 30 years.
The company also offers whole, universal, indexed universal and guaranteed universal life insurance, which are all types of permanent life insurance.
Amid the COVID-19 pandemic, not all companies are accepting new life insurance applications. For the latest information on how to cope with financial stress during this emergency, see NerdWallet’s financial guide to COVID-19.
Complaints about American National Insurance
American National Insurance had fewer than the expected number of complaints to state regulators relative to its size for auto insurance, according to three years’ worth of data from the National Association of Insurance Commissioners. It had close to the expected number of complaints for home insurance, and more than the expected number of complaints for life insurance.
More about American National
Website: American National’s website lets you report a claim and make a payment, but doesn’t offer much information about auto or home insurance discounts.
Mobile app: You can use the American National app on Apple or Android devices to view your policy, make a payment or report a claim. You can also access your ID card and request roadside assistance.
| Other types of insurance through American National include: | |
|---|---|
| Business insurance | Renters insurance |
| Health insurance | Condo insurance |
| Farm and ranch insurance | Off-road vehicle insurance |
| Recreational vehicle insurance | Boat and watercraft insurance |
| Classic car insurance | Motorcycle insurance |
Besides auto and home insurance, American National sells annuities and specialty products like credit disability coverage.
Recap: American National pros and cons
| Pros | Cons |
|---|---|
| Sells a wide variety of insurance products | More than the expected number of customer complaints for life insurance |
| Available in all 50 states | |
| Low number of customer complaints for auto insurance |
