Is American National Good for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 16, 2026 · How we fact-check

The American National name is being taken off the property and casualty business, auto included, and replaced with Farm Family. American National says so itself: its homepage no longer lists auto among its products for individuals, and it carries the line “Information about Farm & Ranch, Business, and other Property & Casualty insurance products has moved to the new Farm Family website.” Farm Family’s own site puts it plainly: “We’re transitioning the brand name for our specialty property and casualty lines from American National to Farm Family.”

If you hold an American National auto policy, this is a name change and nothing more. The same companies are still underwriting the coverage — American National Property And Casualty Company, American National General Insurance Company, United Farm Family Insurance Company and Argonaut Insurance Company — and American National still runs a live claims center. Its published number for homeowners and auto claims is (800) 333-2860. Your policy, your limits and your deductibles are unchanged by the branding.

If you are shopping, go to farmfamily.com rather than americannational.com. One thing to know before you do: Farm Family’s auto product leans toward farm, ranch and business vehicles, and policies are sold through agents, so it is not a straight replacement for a general-market personal auto insurer. There is no online quote.

Below is what the auto product looks like, who it suits, where it is sold now, and what to check before you buy.

American National Auto Insurance: Quick Take

• Where to buy it now: farmfamily.com, through an agent. americannational.com no longer lists auto insurance for individuals, and its auto URL shows a Farm Family transition notice.
• If you already have a policy: nothing to do. Same coverage, same underwriting companies, new name on the paperwork over time. American National’s claims line for homeowners and auto is (800) 333-2860.
• 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 or usage-based discounts. Farm Family has no online quote.
• 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 is American National Insurance Company of Houston, Texas, which is how the copyright line on its site reads today, and the property and casualty operations that write most auto policies sit in Springfield, Missouri. In 2022, American National was acquired by Brookfield Reinsurance, now part of Brookfield Wealth Solutions.

Practically speaking: it is a long-running carrier with a traditional agent network, plus online tools for billing, account access and claims.

What is new is the name. The property and casualty lines are being moved to Farm Family, a brand the group already owned through Farm Family Casualty Insurance Company and United Farm Family Insurance Company in Glenmont, New York. American National’s own get-started page says “This insurance product has moved to Farm Family,” and farmfamily.com says the transition covers “our specialty property and casualty lines.” Neither site publishes a transition timetable or a state-by-state schedule, so the two names are going to overlap on paperwork for a while.

Farm Family names its underwriting companies in full: “American National Property And Casualty Company and American National General Insurance Company, both headquartered in Springfield, Missouri; United Farm Family Insurance Company, headquartered in Glenmont, New York; Argonaut Insurance Company, headquartered in Chicago, Illinois.” If one of those is on your declarations page, you are in the right place whichever brand name is on the website.

Where Is American National Auto Insurance Available?

Neither site publishes a state list. Farm Family says only “Not all companies are licensed in all states. In New York, business is conducted by New York licensed companies,” and American National does not publish an auto availability list either. So the honest answer is that availability varies by state and by which of the four affiliates writes your policy, and the only way to confirm it is to ask an agent. Farm Family’s “Find an Agent” tool runs through americannational.com/home/find-an-agent.

How to Get a Quote (And Why It Matters)

This is not a click-to-buy insurer. You work with an agent for quoting and setting up coverage, which can be a plus if you want guidance, especially choosing between liability vs. full coverage, and slow if you are price-shopping fast. Start at farmfamily.com and use Find an Agent. If you start at americannational.com instead, the auto link takes you to a transition notice pointing you to Farm Family.

Tip: If you’re comparing a Farm Family quote 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, these policies include the standard building blocks of auto coverage:

• 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).

Farm Family’s auto page also makes a point of what comes standard with physical damage coverage: towing and labor, rental reimbursement, glass repair and personal effects. And the product covers business and farm vehicles alongside personal ones, which is unusual. If you are insuring a classic or collector car, start with this guide: how to insure a classic or collector vehicle, then ask the agent whether that is written on this paper.

Endorsements and “Extras” American National Highlights

The add-ons below are the ones this book has commonly offered. Details vary by state and affiliate, and the page that used to list them on americannational.com now redirects to the Farm Family notice, so confirm each one with the agent:

• 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

This is an agent-quoted insurer rather than a discount-list advertiser, so you will not find every possible discount spelled out online, and neither americannational.com nor farmfamily.com publishes an auto discount list. Your savings depend on your driving record, vehicle, location, credit or insurance score where allowed, and which of the four companies 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:

• How to bundle auto and homeowners insurance
• Is it cheaper to buy renters and car insurance together?

Important nuance: bundling is harder to plan around here than it looks. The group has reduced homeowners availability in a number of states in recent years, and the whole property and casualty line is mid-rebrand, so what an agent can quote you today is a ZIP-code question. If bundling home and auto is your top priority, get both quotes in writing from the same agent before you move either policy.

Claims: How It Works (And What to Expect)

The claims center is the part of americannational.com that has not moved, and it is the page an existing policyholder actually needs. You can report claims by phone or online and track progress through an account portal.

American National publishes these claims numbers: (800) 333-2860 for homeowners and auto, the same number for farm, ranch and business, (800) 899-6520 for health and disability, and (800) 615-7372 for life and annuity. The claims page also states that “Farm & Ranch, Business, and other Property & Casualty insurance products are written through Farm Family Insurance Company at FarmFamily.com.” For the policy-service side, the group publishes (417) 887-0220 for American National Property and Casualty, (800) 899-6519 for American National General, Lloyds and County Mutual, and (518) 431-5000 for Farm Family Casualty and United Farm Family. No hours are published for any of them.

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 the major agencies, and the group publishes its current ratings on its own company ratings page. Check the rating for the exact company printed on your declarations page rather than for the group, because the four writing companies are rated separately. To understand what “A” ratings mean in plain English, see A.M. Best ratings explained.

A.M. Best publishes a profile for American National Property and Casualty Company too, though its full rating pages need an account. The link is in the Sources section at the end.

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 keeps a profile for American National Insurance Company, linked at the end of this page. BBB is not a regulator and its rating is its own internal measure, so use it for complaint themes and not as a verdict. Your state department of insurance complaint index is the better source, and during a rebrand it is worth searching both names.

FAQs on American National Auto Insurance

So… Is American National Good for Auto Insurance?

The coverage is sound and the name is changing. This is a good fit if you want an agent-led experience, standard coverages plus a few practical endorsements like roadside assistance and gap coverage, and a financially stable carrier. It fits better still if there is a truck, a trailer or a business vehicle in the driveway alongside the car, because that is the direction the Farm Family product leans.

If you want instant online quotes, a fully self-serve buying experience, or specific endorsements like rideshare cover, confirm availability up front or compare carriers that advertise those options clearly. And if you came here looking for American National personal auto on its own website, that is the one thing this page can settle for you: it is not there any more, it is at farmfamily.com.

Bottom line: Get at least two or three comparable quotes, confirm coverages and endorsements in writing, and pick the best combination of price, protection and service rather than the lowest monthly payment.

My advice during a rebrand like this one: write down the name of the company on your declarations page, not the name on the website, and use that name when you call, when you file a claim and when you check a complaint record. Brands move around. The company on the contract is the one that owes you the money.

Sources

Checked October 5, 2026

• American National — Homepage
• American National — .com Auto Insurance URL
• American National — Claims Center
• American National — Contact Us
• American National — Company Ratings
• Farm Family Insurance — Home Page
• Better Business Bureau — BBB Profile, American National Insurance Company