American National
- Low rate of customer complaints for auto insurance.
- Few discounts available.
- Website lacks detailed coverage information.
NerdWallet's take on American National auto insurance
American National earned 3.4 out of 5 largely because of its lack of discounts and poor digital experience.
Best for: Drivers who want affordable rates without needing to rely on discounts.
Not ideal for: Drivers who need specific coverage options like rideshare insurance or new car replacement.
Where American National car insurance stands out
Affordable rates. Based on our November 2025 rates analysis, American National was often cheaper than the average in states where we had data.
Free add-ons. American National includes several optional coverages into its full coverage policy. You would have to pay to get these from some other companies.
Where American National car insurance falls short
Website information. While American National rates might be cheaper than average for some drivers, the lack of information on its website can make it harder to understand your policy and your potential savings.
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How much does American National car insurance cost?
American National car insurance costs an average of $120 per month or $1,436 per year for a full coverage policy, according to our November 2025 analysis. The national average is $2,300 per year.
For minimum coverage, American National car insurance costs an average of $28 per month or $336 per year, according to our November 2025 analysis. The national average is $52 per month, or $627 per year.
» MORE: Compare car insurance rates
American National auto insurance rates by age
Insurers look at many different factors when determining how much you’ll need to pay for a policy. One of the biggest things that can affect your rates is your age, because insurers consider young drivers are more likely to get a speeding ticket or file a claim.
Here are American National's average car insurance rates for drivers of different ages:
Young drivers. The average cost of American National car insurance for 20-year-old drivers is $2,559 per year, or $213 per month. That's compared to the national average for this age group, which is $4,684 per year, or $390 per month.
Adult drivers. The average cost of American National car insurance for 40-year-old drivers is $1,340 per year, or $112 per month. The national average for this age group is $2,232 per year, or $186 per month.
Senior drivers. American National car insurance costs $1,196 per year, or $100 per month for 60-year-old drivers. Compare that with the national average for this age group, which is $1,988 per year, or $166 per month.
- More American National auto rates by age
Age Company median rate National median rate 20 $2,559 $4,684 30 $1,500 $2,375 35 $1,436 $2,300 40 $1,340 $2,232 50 $1,306 $2,074 60 $1,196 $1,988 70 $1,330 $2,125
American National auto insurance rates by driver profile
Your personal details help determine your car insurance costs, especially if you have poor credit or an eventful driving history. However, our November 2025 rates analysis found that American National prices may be much cheaper than the average in states where we have rates data.
Here are American National's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of American National car insurance for drivers with poor credit is $2,780 per year, or $232 per month. The national average for this type of driver is $3,850 per year, or $321 per month. (California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of American National car insurance for a driver with a speeding ticket is $1,833 per year, or $153 per month. The national average for this type of driver is $2,931 per year, or $244 per month.
At-fault crash. The average cost of American National car insurance for a driver with an at-fault crash is $1,917 per year, or $160 per month. The national average is $3,405 per year, or $284 per month.
DUI. For a driver with a DUI, the average cost of American National car insurance is $2,030 per year, or $169 per month. The national average is $4,265 per year, or $355 per month.
American National auto insurance discounts
American National does not list any discounts on its website. But if you are involved in an accident with another American National customer, the company will discount (or possibly even waive) your insurance deductible. Similarly, if you get both your auto and home insurance from American National, you’ll only pay one deductible if both are damaged as part of the same claim.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Only getting the minimum insurance may leave you on the hook for costly repairs, however. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
American National car insurance coverage
American National’s full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
American National also offers some types of optional coverage, such as:
Custom equipment. This will help you repair or replace up to $2,000 of custom or aftermarket parts you add to your vehicle. American National includes this as part of a full coverage policy.
Gap insurance. If you total a vehicle that you lease or make payments on, American National will pay the difference between the vehicle’s worth and what you owe.
Rental reimbursement. American National will cover rental car expenses while your vehicle is in the shop as part of a covered claim. This is included if you have a full coverage policy from American National.
Roadside assistance. You can get help with common roadside issues, including tire changes, jumpstarts and gas deliveries, 24/7 by calling 800-333-2860 or submitting a request in the app or online.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
Is American National a good insurance company?
American National may be a good choice for drivers who are looking for low premiums and don’t need tailored coverage. It offers coverage to drivers in all states and had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
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More information about American National car insurance
Customer service: Call 800-899-6519 or send an email to servicecenter@americannational.com.
Website: American National’s website lets you speak with an agent, report a claim and make a payment. Drivers looking to find clear information on discounts and policy add-ons may find it confusing.
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.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How can I contact American National?
How can I contact American National?
You can contact American National by phone at (800) 899-6519 Monday to Friday from 7:30 a.m. to 6:30 p.m. CST, Saturday 7 a.m. to 7 p.m. CST or Sunday 9 a.m. to 7 p.m. CST. You can also email the company at ServiceCenter@AmericanNational.com.
How do I file a claim with American National?
How do I file a claim with American National?
Auto claims can be reported online. You can also call 800-333-2860 to report a claim. If you have a question about an existing claim, you’ll need to email claims@americannational.com.
How do I get a quote from American National?
How do I get a quote from American National?
Connect with an agent to get an insurance quote from American National.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
