American National Insurance Company Review (2024)

Embark on a journey through the century-long legacy of American National Insurance Company, a stalwart in the realm of financial stability and personalized coverage, committed to navigating life's uncertainties with exceptional customer service.

UPDATED: Apr 23, 2024Fact Checked

Written by:

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

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Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

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Reviewed by Daniel Walker

Licensed Insurance Agent

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UPDATED: Apr 23, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

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American National Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

Wide range of insurance options, from life to auto and more
Strong financial stability and reputation
Positive customer reviews for exceptional customer service
User-friendly website with online policy application
Diverse coverage plans tailored to individual needs

Cons

Rates might be slightly higher than some competitors
Limited availability in certain regions
Online tools could offer more in-depth policy customization options

In a world where uncertainties are inevitable, finding a dependable insurance partner is paramount. The American National Insurance Company, with its century-long legacy, stands as a testament to reliability and unwavering commitment.

What truly sets American National apart is its dedication to customer service and financial stability. The company’s reputation for exceptional support during critical times has fostered a sense of trust and loyalty among policyholders. This, combined with their impressive A.M.

The user-friendly online interface empowers you to explore, customize, and apply for policies from the comfort of your home. Whether you seek the assurance of life insurance, the protection of auto coverage, or the security of homeowners insurance, American National has tailored plans to meet your unique requirements.

With positive customer reviews echoing their commitment to excellence, numerous industry awards, and a history steeped in reliability, American National Insurance Company is more than just an insurance provider. It’s a partner in securing your dreams, protecting your loved ones, and ensuring your peace of mind.

American National Insurance Company Insurance Coverage Options

American National Insurance Company prides itself on offering a diverse range of coverage options to meet the unique needs of individuals, families, and businesses. Whether you’re seeking protection for your home, vehicle, health, or financial future, American National has you covered with a variety of comprehensive coverage plans. Here are some of the coverage options you can expect:

Life Insurance

Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Indexed Universal Life Insurance
Variable Universal Life Insurance

Auto Insurance

Liability Coverage
Collision Coverage
Comprehensive Coverage
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Roadside Assistance

Homeowners Insurance

Dwelling Coverage
Personal Property Coverage
Liability Protection
Additional Living Expenses Coverage
Other Structures Coverage
Personal Liability Coverage

Health Insurance

Individual Health Plans
Family Health Plans
Medicare Supplement Plans
Dental and Vision Coverage

Retirement Plans

Individual Retirement Accounts (IRAs)
Annuities
401(k) Plans

These coverage options encompass a wide spectrum of insurance needs, ensuring that you can find the right plan to protect what matters most to you. Whether you’re seeking security for your family’s future, safeguarding your assets, or preparing for retirement, American National Insurance Company’s comprehensive coverage options provide you with the flexibility and peace of mind you deserve.

Read More: Top Life Insurance Providers

Remember, each coverage option can be tailored to your specific requirements, ensuring that you’re getting the protection you need without paying for unnecessary extras. American National’s commitment to customization and personalized service shines through its variety of coverage plans, empowering you to make informed decisions about your insurance needs.

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American National Insurance Company Insurance Rates Breakdown

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Driver Profile	American National	National Average
Clean Record	$195	$119
1+ Ticket	$225	$147
1+ Accident	$245	$173
DUI	$275	$209
Poor Credit	$335	$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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American National Insurance Company Discounts Available

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Discount	American National
Anti Theft	12%
Good Student	18%
Low Mileage	15%
Paperless	8%
Safe Driver	20%
Senior Driver	10%

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American National Insurance Company understands that finding the right insurance coverage at an affordable price is a top priority for customers. To make insurance more accessible and budget-friendly, the company offers a range of discounts that cater to various policyholders. Here are some of the valuable discounts you can take advantage of:

Multi-Policy Discount: Combine multiple insurance policies with American National, such as auto and homeowners insurance, to enjoy a discount on both.
Safe Driver Discount: Maintain a clean driving record and demonstrate safe driving habits to qualify for this discount, reflecting the company’s commitment to road safety.
Good Student Discount: If you’re a student with excellent grades, you can benefit from this discount, rewarding your dedication to education and responsibility.
Anti-Theft Device Discount: Equipping your vehicle with anti-theft devices can earn you savings on your auto insurance premium.
Home Security Discount: Enhance your home’s security by installing safety features, such as alarm systems and smoke detectors, to lower your homeowners insurance costs.
Loyalty Discount: Stay with American National for an extended period, and you could enjoy loyalty discounts as a token of appreciation for your continued trust.
EFT Discount: Opt for automatic electronic funds transfer (EFT) payments, and you’ll likely be eligible for this convenient discount.
Paperless Discount: Embrace a digital approach by choosing paperless billing and policy documents to receive a reduction in your premium.
Accident-Free Discount: If you’ve gone a certain period without any accidents or claims, you could qualify for this discount, reflecting your responsible driving behavior.

These discounts exemplify American National’s commitment to rewarding responsible behaviors and making insurance coverage more accessible to a wide range of individuals. By tailoring these discounts to address different aspects of policyholders’ lives, American National Insurance Company demonstrates its dedication to offering not just protection, but also financial relief.

How American National Insurance Company Ranks Among Providers

In the bustling landscape of insurance providers, American National Insurance Company stands as a prominent player. However, like any reputable contender, it has its fair share of competitors vying for the attention of insurance seekers. Let’s take a closer look at some of American National’s main rivals in the industry:

State Farm: With its ubiquitous presence and a wide range of insurance options, State Farm is a formidable adversary. Known for its personalized service and extensive network of agents, State Farm provides competition in both the auto and homeowners insurance sectors. The company’s brand recognition and multi-faceted offerings make it a constant challenger.
Allstate: A direct competitor in the realm of auto insurance, Allstate is recognized for its catchy taglines and expansive coverage options. Its Drivewise program, which rewards safe driving habits, has earned it a loyal customer base. Allstate’s reputation for innovation and technology-driven solutions puts it on par with American National’s offerings.
Geico: Renowned for its clever advertising campaigns and streamlined online experience, Geico has carved a niche in the auto insurance space. Embracing a digital-first approach, Geico offers competitive rates and an array of policy management tools, making it an attractive option for tech-savvy consumers.
Prudential: In the life insurance sector, Prudential emerges as a significant rival. Boasting a wide spectrum of life insurance products and investment solutions, Prudential’s financial expertise and diverse offerings cater to individuals seeking comprehensive financial planning.
Progressive: Known for its commitment to transparency and its “Name Your Price” tool, Progressive is a prominent contender in the auto insurance domain. Its Snapshot program, similar to other telematics-based systems, monitors driving behavior to offer personalized rates.

While American National Insurance Company excels in its personalized approach, financial stability, and diverse coverage options, these competitors bring their own unique strengths to the table.

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American National Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

American National Insurance Company offers a streamlined and user-friendly claims process to ensure policyholders can easily file a claim when needed. The company provides multiple convenient options for filing claims.

Policyholders can submit their claims online through the company’s website, making it a hassle-free process that can be completed from the comfort of their homes. Additionally, American National also allows claims to be filed over the phone, providing a more personalized approach for those who prefer direct communication.

Average Claim Processing Time

One of the critical factors that policyholders consider when choosing an insurance provider is the speed at which claims are processed. American National Insurance Company is committed to ensuring efficient claim processing to minimize disruptions in the lives of its customers.

While the exact processing time may vary depending on the complexity of the claim, the company aims to process claims as quickly as possible. Policyholders can typically expect a timely response and resolution to their claims, allowing them to move forward with confidence.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts plays a crucial role in assessing an insurance company’s reliability and customer satisfaction. American National Insurance Company has garnered positive feedback from its policyholders regarding the handling of claims.

Customers have expressed satisfaction with the company’s prompt response to claims and the fair and efficient manner in which claims are resolved. Policyholders appreciate that American National strives to make the claims process as straightforward as possible, providing peace of mind during challenging times.

American National Insurance Company Digital and Technological Features

Mobile App Features and Functionality

American National Insurance Company offers a feature-rich mobile app that enhances the overall customer experience. The mobile app provides policyholders with easy access to their insurance information, allowing them to view policy details, make payments, and manage their policies on the go.

Additionally, the app offers the convenience of filing and tracking claims directly from a mobile device, simplifying the claims process. With a user-friendly interface and robust features, the American National mobile app empowers policyholders to stay connected and in control of their insurance needs.

Online Account Management Capabilities

For policyholders who prefer managing their insurance policies online, American National provides a comprehensive online account management platform. Through the company’s website, policyholders can log in to their accounts to review and update their policy information, make payments, and access important documents.

This online portal offers a convenient and secure way for customers to stay organized and informed about their insurance coverage.

Digital Tools and Resources

American National Insurance Company goes beyond the basics by offering a range of digital tools and resources to assist policyholders in making informed decisions about their insurance needs. These resources may include educational articles, calculators to assess insurance needs, and guides to help policyholders navigate complex insurance topics.

By providing access to these digital tools, American National demonstrates its commitment to empowering customers with the knowledge and information they need to make the right insurance choices.

Frequently Asked Questions

How long has American National Insurance Company been in business?

American National was founded in 1905, boasting over a century of industry experience.

What types of insurance does American National offer?

American National provides life, auto, homeowners, health insurance, and retirement plans.

Can I apply for a policy online?

Yes, American National offers an easy online application process for your convenience.

What sets American National apart from other insurance companies?

Their exceptional customer service, financial stability, and diverse coverage options make them a standout choice.

Are customer reviews positive for American National’s services?

Yes, customers frequently praise American National for their attentive support and hassle-free claims process.

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Written by:

Laura D. Adams

Insurance & Finance Analyst

Full Bio →

Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

Daniel Walker

Licensed Insurance Agent

Full Bio →

Reviewed by Daniel Walker

Licensed Insurance Agent

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Reviews
for American National Insurance Company

3.69 (187 reviews)

Mark

American National review

American National: They led me in on how they were going to save me money, lower cost, but then changed the cost of my insurance premium four times with out my knowledge. At the end of six months I owed more than I sighed up for. TRIED to contact [REDACTED NAME] in St George, Utah, but he made his secretary tell me to contact billing. Which I did. They helped me identify the changes in my auto policy. The original agent who sold me the policy, Ni...

American National better then the toehrs

This company has been a stellar insurance issuer. They are not well known, however they are able to get me great rates, and excellent service. I had a claim for a new roof after a bad hail storm, they were great to work with and the claim was approved and settled within a week or two.

SweetT

Worth it.

Very easy payment system and fair enough pricing. The only problem is the lake of staff to follow up on phone calls.

rftichavsky

Cashback Policy Scam

The Cashback policy, which returns some of the premium if you do not have a claim for 3 years is a scam. The first year the rates are competitive . The following years the rate increases each year. By the 3rd year your rates double the rates of other insurance companies. So now if you have a claim the insurance company keeps the extra money. In the best case without any claims, the company will always have two years of additional premiums...

bobjohnson-

The good and the bad of American National

The company was very great, but the customer service was a bad. This was an issue because I could not figure anything out.

Zarnon

ANPAC dropped me after one accident in 3 decades of coverage

I was a customer of this company from 1999. I have always paid my premiums. I had a terrible accident which was judged my fault, although I had on tape another person who'd blocked my line of sight by trying to pass me in the wrong lane. Because he was not part of the accident (and drove off) I was judged at fault. My license expired a few months later and I did not catch it until a month later. I renewed it at the DMV. I was never stopped ...

AlexysCG

Shady Policy Agent

Just got on an auto insurance policy and was somehow added onto a renters policy about a month ago and I’m already canceling the policies. Weird “glitches” in the system and What was imitating a 6 month plan of $257 quickly went up to a $318 4 month plan because they couldn’t draft the payment for the first month in time. When trying to get this figured out through my agent, [REDACTED NAME] he sent me to the number to the home office. After they clearly said they could do NOTHING for me and I HAD to go through my agent. I gave my agent a call and he told me he could do nothing and I had to call the home office again and when I tried to explain how they told me I had to call him, he HUNG UP on me and my girlfriend in the middle of us trying to explain the situation. When I tried to call P.H. Agent back, no response. I quickly called the home office back and told them of the situation with my agent and fought with the girl who told me she could do nothing for me and I was [REDACTED WORD] out of luck and to talk to my agent (the one who won’t answer my phone calls), she then told me I could talk to management, even though I should have been sent straight to management after I told her that [REDACTED NAME] hung up on me and wouldn’t answer his phone. Management was very nice and helpful and is helping me cancel my plan (which is usually only supposed to go through your Agent but my Agent [REDACTED NAME] refused to cancel my plan, so management agreed to fill in his spot which I’m very grateful for!) This was my first time dealing with insurance and the biggest lessons I’ve learned is: BE VERY CAREFUL of what company you choose most just want money, READ THE BAD REVIEWS because they usually give you more information than just “great costumer service.... friendly agents.... blah blah blah” and are most likely how the company really is, and READ EVERYTHING before agreeing to anything because your broker WILL NOT give you all the information and will most likely not explain everything and leave everything you actually need to know, out.

Emmawest

Wonderful Auto Insurance Co

The company always had respectful representatives available to address my questions and concerns. Also, offering an affordable coverage plan for me and my husband.

FLister

Cash Back and Easy Claim Filing

ANPAC is a great company. We love the cash back policies when you are claim free. We did have one claim for storm damage and they were very responsive and helpful to deal with. The process was simple and we had our check for repairs within days. Our agent is top notch and his assistants are great as well.

Browns33

Worst insurance when it comes to processing automobile claim

I have had the worst experience with the claims department that I've ever dealt with out of an insurance company that I've had to make two automobile claims. With my first car, a deer ran into the side of me. the insurance company told me I could not use my preferred body shop which was a lie. they basically tried to steer me away because they didn't want to pay the extra money for the proper and new parts that my car needed to be pre-accident condition. They use an image system so I submitted pictures and from those they create an estimate. I dropped my car off at my preferred body shop and their estimate was clearly more because pics can't show all the damage and they price new and proper parts. Plus they work with other experts to complete the paint, glass installation etc. So instead of approving the supplement, they decided to total that car. From the moment they informed me they were totalling it I had three days to turn the rental in. Well , my GAP insurance claim took weeks to process so we paid out of pocket for a rental until I was able to settle that car loan and get a new car. Fast forward to this claim, I literally had my brand new car for two months when I was rear-ended and sideswiped on the highway. We were not able to obtain the at fault driver's information on scene (he was drinking and driving) and was told to wait for the accident report. Once received, I reached out to his insurance and they couldn't locate his policy. At the point, I contacted my insurance to file a claim and was advised to wait and see if his insurance contacted me. After ten days, I filed a claim with my insurance and opened an investigation for them to try and locate if he actually had insurance or not. My insurance wasn't able to contact his insurance directly so I reached back out to them with information my insurance found out which was that there were two other people listed on his policy. They located him and he had started a claim the day after the accident but didn't have my information so no one from insurance contacted me. They stated they accepted 100% liability but since my car was already in the shop tore down and my insurance issued payment for the amount they estimated (again from pictures) my insurance would complete the claim and file segregation with his insurance to get their money back. My insurance, American National denied the supplement from my body shop because it was 4,000 more than their estimate. They communicated with my body shop and wanted explanations for all sorts of things making the body shop justify the money which I understand. However, they wanted justification for the paint job and little things that go into any type of repair. Then they were still not satisfied so they sent out an appraiser who took a week to get to the shop and file a report then the report was incomplete, so she was suppose to go back to the body shop on a Saturday but didn't show up until the following Monday. My insurance decides to send another appraiser so my car literally sat disassembled in the shop for two weeks while I'm in a rental and expressing my concern that the rental car coverage is going to run out and I'll have to pay out of pocket which is what happened. They created all the delays and the headache over an automobile claim that I was not at fault in and they're going to get their money back I'd hate to experienced a claim where I was at fault.

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American National Insurance Company Review (2024)

Embark on a journey through the century-long legacy of American National Insurance Company, a stalwart in the realm of financial stability and personalized coverage, committed to navigating life's uncertainties with exceptional customer service.

It’s all about you. We want to help you make the right coverage choices.

It’s all about you. We want to help you make the right coverage choices.

On This Page

Free Car Insurance Comparison

American National Insurance Company

Pros

Cons

American National Insurance Company Insurance Coverage Options

Life Insurance

Auto Insurance

Homeowners Insurance

Health Insurance

Retirement Plans

American National Insurance Company Insurance Rates Breakdown

American National Insurance Company Discounts Available

How American National Insurance Company Ranks Among Providers

American National Insurance Company Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Average Claim Processing Time

Customer Feedback on Claim Resolutions and Payouts

American National Insurance Company Digital and Technological Features

Mobile App Features and Functionality

Online Account Management Capabilities

Digital Tools and Resources

Frequently Asked Questions

How long has American National Insurance Company been in business?

What types of insurance does American National offer?

Can I apply for a policy online?

What sets American National apart from other insurance companies?

Are customer reviews positive for American National’s services?

Reviewsfor American National Insurance Company

Mark

American National review

Guitar1234

American National better then the toehrs

SweetT

Worth it.

rftichavsky

Cashback Policy Scam

bobjohnson-

The good and the bad of American National

Zarnon

ANPAC dropped me after one accident in 3 decades of coverage

AlexysCG

Shady Policy Agent

Emmawest

Wonderful Auto Insurance Co

FLister

Cash Back and Easy Claim Filing

Browns33

Worst insurance when it comes to processing automobile claim

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Company Overall Rating

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Reviews
for American National Insurance Company