American National Auto Insurance: Everything You Need to Know in 2025

When choosing a car insurance provider, drivers look for reliability, affordable premiums, and excellent customer service. American National Insurance Company checks many of these boxes, making it a compelling choice for millions of American drivers.

But how does it really compare to other insurers? And is it the best fit for your needs?

In this guide, we’ll walk through American National car insurance offerings, including coverage, pricing, benefits, and customer feedback—so you can make an informed decision.

What Is American National Insurance Company?

Founded in 1905, American National is one of the oldest and most respected names in insurance. Headquartered in Galveston, Texas, the company offers a broad range of policies in all 50 U.S. states and Puerto Rico.

Over 100 years of industry experience
Strong financial backing with an A rating from A.M. Best for financial stability
A wide portfolio beyond auto—home, life, business, and more

One standout aspect is its focus on personalized service and long-term client relationships. According to Investopedia, this kind of strength and legacy is critical when evaluating an insurer’s reliability, especially during the claims process.

Coverage Options with American National

American National offers all the standard coverage options you’d expect from a major provider:

Liability Coverage: Covers damages to others caused by your vehicle.
Collision Coverage: Pays for damage to your vehicle from collisions.
Comprehensive Coverage: Covers non-collision events like theft, hail, or fire.
Uninsured/Underinsured Motorist Coverage: Helps if the other party lacks adequate insurance.
Medical Payments / Personal Injury Protection (PIP): Pays for medical expenses regardless of fault.

What makes American National auto insurance unique are the optional benefits:

ACE Insurance Endorsement: A customizable add-on that includes roadside assistance, rental coverage, and deductible waivers. See how it works at Way.com.
Collector Car Insurance: Specialized policies for vintage and classic cars.

Standout Features and Benefits

American National offers more than just the basics. Their value-added benefits make a strong case for switching:

Cash-Back Rewards: Receive part of your premium back for being claim-free.
Single Deductible Benefit: One deductible even if multiple policies are impacted by the same event.
Deductible Waiver: If both drivers in a crash are insured by American National, you might not pay a deductible.
Classic Car Coverage: Highly rated coverage options for collectors.

These perks help American National stand out among competitors that often charge extra for such features.

Discounts to Lower Your Premium

American National offers a generous array of discounts for policyholders. Here are some key ways you can save:

✅ Multi-Policy Discount: Bundle home, life, and car insurance
✅ Good Student Discount: For students maintaining a B average or better
✅ Low Mileage Discount: For drivers who don’t use their car often
✅ Anti-Theft Discount: If your vehicle is equipped with an anti-theft system
✅ Defensive Driver Discount: Completion of certified safety courses
✅ Senior and Loyalty Discounts

These options can help drivers significantly reduce their monthly car insurance premium. Visit US Insurance Agents for a full list of available discounts and eligibility criteria.

Average Pricing and What Affects Your Rate

American National car insurance premiums are in line with national averages. On average, expect to pay:

~$101/month for full coverage
~$37/month for minimum liability coverage

Your actual price will depend on several key factors:

Your driving record
Age and marital status
Type and age of your vehicle
Location and ZIP code
Selected coverage levels and deductibles

Use online comparison tools like Insurify to estimate your personalized rate and see how it compares.

Filing a Claim: How Easy Is It?

Filing a claim with American National is described as smooth and straightforward. You have multiple options:

🖥️ Online Portal: Submit claims 24/7 through their website
📱 Mobile App: Report accidents, upload photos, and track progress
📞 Phone Support: Speak directly with an agent any time

According to users and internal data, the average claim processing time is comparable to industry standards—usually within 7–10 days. For step-by-step guidance, visit their official claims page.

Customer Reviews and Reputation

Feedback from real customers paints a mixed but generally positive picture:

👍 Pros:

Responsive agents and knowledgeable support staff
Competitive pricing and discount options
Reliable cash-back and reward programs

👎 Cons:

Website and mobile app could be more modern
Occasional delays in claim follow-ups

Independent reviews on platforms like WalletHub and Yelp suggest satisfaction is generally higher among long-term policyholders than new customers.

Pros and Cons Summary

Here’s a quick breakdown of what you’re getting with American National:

✔ Pros

Affordable, competitive pricing
Wide range of discounts
Unique benefits like cash-back and single deductible

❌ Cons

Digital tools could be improved
Slightly limited online quote features

Frequently Asked Questions (FAQs)

🟦 Is American National available in my state?

Yes. It operates in all 50 states and Puerto Rico.

🟦 Can I bundle car and home insurance?

Absolutely! Bundling policies is one of the easiest ways to unlock discounts.

🟦 How do I file a claim?

Via the website, mobile app, or by calling their 24/7 hotline.

🟦 Does it offer roadside assistance?

Yes, through the optional ACE endorsement.

🟦 What if I’m a student? Any discounts?

Yes, students with a B average or better may qualify for a good student discount.

Final Thoughts: Should You Go with American National?

If you’re a safe driver, looking for long-term value, and appreciate the idea of cash-back rewards, American National car insurance is worth serious consideration.

Ideal for:

Families wanting to bundle multiple policies
Classic car owners
Budget-conscious drivers

While its digital interface may need some updates, the policy features and savings options are hard to ignore.