American National Insurance Review 2022

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Insurance reviews

American National Auto Insurance
  • Auto insurance

  • Homeowners insurance

  • Life insurance

The bottom line:

American National sells a variety of policies, including auto, home and life, with perks available for those who buy more than one policy.

Pros

  • Sells a wide variety of insurance products.
  • Available in all 50 states and Puerto Rico.
  • Low number of customer complaints for auto insurance.

Cons

  • Far more than the expected number of customer complaints for life insurance.
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Auto insurance review

American National Auto Insurance
American National

3.0

/5
 NerdWallet rating 
NAIC complaints
Fewer than expected
Ease of use
Average
Discounts
Very few discounts

Founded in 1905 and based in Galveston, Texas, American National might be a good choice for someone looking to bundle their insurance policies. The company operates in all 50 states and offers a wide variety of products, including auto, home, life and renters insurance.

American National auto insurance coverage

In addition to the usual car insurance coverage options 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.

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 in 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:

Auto insurance discounts

You can save on your auto insurance if you bundle it with home and life insurance policies from American National.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

American National Home Insurance
American National

3.0

/5
 NerdWallet rating 
NAIC complaints
More than expected
Coverage options
Below average
Discounts
Very few discounts

American National home insurance coverage

American National offers standard homeowners insurance coverage, including coverage for the structure of your house and loss of use coverage in case you need to relocate after your home is damaged. You can add identity theft protection to cover expenses associated with fraud. Policies are also available for condo owners.

Home insurance discounts

A multiple-policy discount is available if you bundle your home, life and auto insurance. You may also qualify for cash back if you’re claim-free for three years.

Life insurance review

American National Life Insurance
American National

3.0

/5
 NerdWallet rating 
Financial strength rating
Strong
NAIC complaints
Far more than expected
Policies offered
Term, permanent & no-exam
Online purchase
No

American National life insurance coverage

Term life insurance policies are available for terms of 5, 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.

Complaints

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 more than the expected number of complaints for home insurance, and far more than the expected number of complaints for life insurance.

More about American National insurance

Website: American National’s website lets you get a quote, 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 insurance from American National

American National also sells the following types of policies:

  • Classic car.

  • Business.

  • Renters.

  • Supplemental health.

  • Farm and ranch.

  • Motorcycle.

  • Off-road vehicle.

  • Recreational vehicle.

  • Boat and watercraft.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. 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.

Home insurance ratings methodology

NerdWallet’s homeowners 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, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. 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.

Life insurance ratings methodology

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. 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.

Frequently asked questions