Is American National Good for Auto Insurance?
Last Updated on January 7, 2026
American National auto insurance is a solid “agent-first” option: you typically work with a local agent for quotes and coverage changes, then use the company’s portal/app or claims center when something goes wrong. If you value personal service and a financially stable carrier, American National can be a good fit. If you want instant online quotes, tons of app-based discounts, or highly customizable online tools, you may prefer a more digital-first insurer.
Below is a practical breakdown of what American National offers, who it’s best for, and what to watch out for before you buy.
Our Rating of American National Auto Insurance
3.6
out of 5
★★★★☆
Summary
Bottom line: American National can be a good fit if you want agent support and a financially stable carrier, but it may feel limited if you prefer instant online quoting and a digital-first experience.
American National is an agent-driven insurer where quotes and many coverage changes are typically handled through a local agent, with online tools available for account access and claims reporting. It generally offers the standard building blocks of auto insurance (liability, collision, comprehensive, UM/UIM, and PIP/MedPay where applicable) along with common add-ons like roadside assistance and gap coverage, with availability varying by state and affiliate. Because discounts, endorsements, and product availability can differ by location, it’s best to compare apples-to-apples quotes with the same limits, deductibles, and add-ons before deciding.
Best for
- Drivers who prefer working with a local agent for guidance and coverage changes
- Shoppers who prioritize choosing a financially stable insurance company
- People who want straightforward coverage with common endorsements like roadside assistance and gap coverage
Not ideal for
- Drivers who want instant online quotes and a full online checkout
- Shoppers who rely heavily on app-based or usage-based discount programs
- People who want highly customizable digital tools and self-serve features
- Our Rating of American National Auto Insurance
- American National Auto Insurance: Quick Take
- What Is American National Insurance?
- Where Is American National Auto Insurance Available?
- How to Get a Quote (And Why It Matters)
- Coverage Options (What You Can Typically Buy)
- Endorsements and “Extras” American National Highlights
- Discounts and Bundling: What to Know in 2025+
- Claims: How It Works (And What to Expect)
- Financial Strength and Third-Party Ratings
- Customer Complaints and Reputation
- FAQs on American National Auto Insurance
- So… Is American National Good for Auto Insurance?
American National Auto Insurance: Quick Take
- Best for: Drivers who want a local agent, need straightforward coverage, and care about choosing a financially stable insurance company.
- Not ideal for: People who want to buy entirely online, compare prices instantly, or rely heavily on app-based/usage-based discounts.
- Standout perks (vary by state/company): Rental coverage options, potential deductible waivers in certain situations, and add-ons like roadside assistance and gap coverage.
What Is American National Insurance?
American National is a group of insurance companies founded in 1905. The parent company is headquartered in Galveston, Texas, while its property and casualty operations (including many auto policies) are headquartered in Springfield, Missouri. In 2022, American National was acquired by Brookfield Reinsurance, which is now part of the Brookfield Wealth Solutions organization.
Practically speaking: American National is a long-running carrier with a traditional agent network, plus online tools for billing, account access, and claims.
Where Is American National Auto Insurance Available?
American National operates nationwide, but product availability can vary by state and by the specific American National affiliate writing your policy. The easiest way to confirm availability (and pricing) is to request a quote through an agent or the company’s “find an agent” tool.
How to Get a Quote (And Why It Matters)
American National is not built like a “click-to-buy” direct insurer. In many cases, you’ll work with an agent for quoting and setting up coverage. That can be a plus if you want guidance (especially if you’re choosing between liability vs. full coverage), but it can feel slower if you’re price-shopping fast.
Tip: If you’re comparing American National to online-only insurers, ask your agent for an apples-to-apples quote with the same limits, deductibles, and endorsements. Small differences can make one insurer look “cheaper” when it’s really less coverage.
Coverage Options (What You Can Typically Buy)
Like most mainstream carriers, American National policies typically include the standard building blocks of auto coverage, such as:
- Collision coverage: Helps pay to repair/replace your vehicle after a crash (subject to your deductible).
- Comprehensive coverage: Helps pay for non-collision damage like theft, vandalism, hail, or a fallen tree.
- Uninsured/underinsured motorist coverage: Can protect you if the other driver has little (or no) insurance.
- Personal injury protection (PIP) or medical payments (MedPay): Helps cover medical costs for you and your passengers (rules vary by state).
- Rental coverage / rental reimbursement: Helps pay for a rental while your car is being repaired after a covered claim (coverage terms vary).
- Towing and roadside/towing benefits: Helps cover towing or roadside help after a breakdown (if added or included).
American National also sells specialty options in some areas, including coverage for classic or collector vehicles. If you’re insuring a special vehicle, start with this guide: how to insure a classic or collector vehicle.
Endorsements and “Extras” American National Highlights
American National promotes a handful of practical add-ons and policy perks on its auto insurance page. These details can vary by state and affiliate, but commonly highlighted items include:
- Roadside assistance: Useful if you want help with towing, lockouts, jump starts, and other breakdown issues.
- Gap insurance: Helpful if you finance/lease a car and owe more than the vehicle’s actual cash value (ACV).
- Added parts coverage (ACE / added coverage endorsement): This type of add-on is often used to improve what parts are used in repairs. If you care about repair part quality, read this first: will my insurer pay for OEM parts?
- Other add-ons: Depending on your policy, you may have access to other endorsements as well. Here’s a broader overview of common options: auto insurance add-ons explained.
Discounts and Bundling: What to Know in 2025+
American National tends to be more “agent-quoted” than “discount-list advertised,” so you may not see every possible discount spelled out online. In general, your savings depend on your driving record, vehicle, location, credit/insurance score (where allowed), and which American National company writes your policy.
Bundling can still be a major way to save with many insurers. If you’re exploring multi-policy discounts, these guides can help you compare strategies:
Important nuance: In recent years, American National has reduced homeowners availability in many states, which can limit bundling opportunities for new customers. If bundling home + auto is your #1 priority, confirm what products are currently available in your ZIP code before you decide.
Claims: How It Works (And What to Expect)
American National allows policyholders to report claims through its claims center by phone and online. If you’re the type who wants self-serve tools, you’ll likely appreciate that you can start many claims online and track progress through an account portal.
If you want to preview options, the official claims hub is here: American National Claims Center. For coverage details and benefits, you can also review the auto overview here: American National Auto Insurance.
Financial Strength and Third-Party Ratings
When you’re deciding if an insurer is “good,” start with the question: Can this company reliably pay claims? That’s where financial strength ratings matter. Here’s a simple guide to evaluating an insurer’s stability: how to make sure your insurance company is financially stable.
American National’s property and casualty companies carry strong financial ratings from major agencies. You can verify current ratings directly through American National here: American National Company Ratings. To understand what “A” ratings really mean in plain English, see: A.M. Best ratings explained.
If you prefer checking ratings at the source, AM Best also lists American National Property and Casualty Company’s profile here: AM Best company profile.
Customer Complaints and Reputation
American National sells primarily through agents, so customer experience can vary by region and by the specific office you work with. If you’re researching service quality, look beyond star ratings and skim real complaint themes: billing issues, claim handling delays, communication problems, and so on.
The Better Business Bureau (BBB) profile for American National’s headquarters is here: American National BBB complaints page. BBB is not a regulator, but it can be useful for spotting patterns.
FAQs on American National Auto Insurance
So… Is American National Good for Auto Insurance?
American National can be a good auto insurance company if you want an agent-led experience, you’re looking for standard coverages plus a few practical endorsements (like roadside assistance and gap coverage), and you care about choosing a financially stable carrier.
On the other hand, if you want instant online quotes, a fully self-serve buying experience, or very specific endorsements (like certain rideshare features or niche perks), you’ll want to confirm availability up front—or compare with carriers that advertise those options more clearly.
Bottom line: Get at least 2–3 comparable quotes, confirm coverages/endorsements in writing, and pick the best combination of price, protection, and service—not just the lowest monthly payment.
