Is American National Good for Auto Insurance?

Last Updated on April 21, 2023

American National, also known as ANPAC, is an insurance company headquartered in Springfield, Missouri.

American National may be the right insurance company for specific drivers in certain situations. However, it may not be the best choice for all drivers.

Today, we’re explaining whether or not American National is suitable for auto insurance, including the types of unique products offered by American National, customer reviews and ratings, and its price competitiveness.

Key Takeaways:

  1. American National provides a full spectrum of insurance products and services across all 50 states and is seen as an affordable and safe insurance company with good financial standing.
  2. American National is recommended for policyholders who want to bundle home and auto insurance (or other insurance products) to save money and appreciate diverse add-on options.
  3. American National offers add-ons and endorsements like rental reimbursement, accidental death, dismemberment, and disability coverage, work loss coverage, added coverage endorsement, umbrella coverage, gap insurance, and classic car insurance.
  4. American National provides limited upfront information about its insurance products online, so customers are encouraged to contact an American National agent for more information.

What Is American National Insurance?

American National Property and Casualty Company (ANPAC) is a subsidiary of American National Insurance Company (ANICO), headquartered in Galveston, Texas. ANICO has been selling life and health insurance since 1905. The company incorporated its ANPAC subsidiary in 1973.

Today, American National / ANPAC sells insurance products across the country. The company offers auto insurance, homeowners insurance, umbrella insurance, boat insurance, RV insurance, motorcycle insurance, and more.

American National also provides personal lines insurance and agri-business insurance.

Overall, American National provides limited upfront information about its insurance products online. Customers are encouraged to contact an American National agent for more information.

Where Does American National Insurance Operate?

American National operates in all 50 states.

The company mostly sells insurance products through agents. However, some life insurance products can be purchased online.

You can find an American National agent in your state via the official American National website.

What Makes American National Insurance Different?

American National is a large insurance company with a full spectrum of insurance products and services available across all 50 states.

In many states, American National is among the cheapest insurance providers.

Many customers also appreciate American National because of its endorsements, add-ons, financial stability, and customer service.

American National provides limited upfront information about any unique discounts or features, making it hard to see how the company differentiates itself from the pack.

However, American National is generally recommended for policyholders who:

Generally, American National is seen as an affordable and safe insurance company. The company has good financial standing. It offers similar pricing – or lower pricing – than many competitors.

If you plan to bundle multiple insurance policies together, including home, life, and auto insurance, then American National’s prices can drop even further.

Some drivers also appreciate having diverse add-on options. American National offers add-ons like classic car insurance and rental car insurance, for example.

American National also offers mobile apps that make it easy to file claims or contact an agent quickly. However, all major insurance companies now offer apps.

One of the drawbacks of American National compared to competitors is the lack of rideshare insurance. If you drive for Uber, Lyft, or another rideshare company, for example, then you may not be able to get coverage through American National.

Another drawback of American National is that the company does not offer accident forgiveness. Some insurers will forgive one accident if you have a clean record (typically, you have to pay to add this to your policy). American National does not forgive any accidents.

American National Insurance Reviews and Ratings

American National Insurance Company is not accredited by the Better Business Bureau. However, the company has a few complaints listed on its BBB page.

Regarding financial strength, American National has recently received a rating of “A” or “Excellent” from A.M. Best.

In September 2017, A.M. Best, the leading financial assessment organization serving the insurance industry, issued a statement congratulating American National for being ranked A or higher by A.M. Best for over 75 years. American National has been rated A or higher by A.M. Best since 1941.

Other major insurance companies have higher A.M. Best ratings than American National (like A+ or higher). However, a rating of “A” is still very good. It indicates that American National should have no issue covering its claims or liabilities in the near future.

A.M. Best has affirmed the credit rating of American National as recently as July 2022.

American National Car Insurance Discounts and Features

American National is a large insurance company with diverse products and services. Some of the add-ons and endorsements available through American National include:

Roadside Assistance: Like most insurance companies, American National offers roadside assistance, giving you 24-hour protection if your car breaks down on the side of the road.

Rental Reimbursement: American National will cover the cost of a rental car up to $25 per day.

Accidental Death, Dismemberment, and Disability: American National covers severe injuries – like the loss of a limb – as well as death caused during a car accident.

Work Loss Coverage: If you cannot work because of an accident, then American National will cover up to 85% of the money you would have earned.

Added Coverage Endorsement (ACE): You can pay extra for higher-quality original equipment manufacturer (OEM) parts, which means you get better parts after an accident.

Umbrella Coverage: Buy an umbrella policy with American National to extend your liability limits to $1 million, $2 million, or higher.

Gap Insurance: If you have an outstanding loan balance on your vehicle (say, if you’re financing it), then you can buy gap coverage to cover the ‘gap’ between the actual cash value of the vehicle and the amount you owe.

Classic Car Insurance: American National offers specialty car insurance policies for antique cars, collector cars, and other classic vehicles.

Other Insurance Products: In addition to car insurance, American National and its family of insurance companies sell homeowners, renters, life, health, business, RV, farm and ranch, and credit insurance.

American National Car Insurance Coverage Options

American National offers a standard range of coverage options, including:

Liability Coverage: Liability coverage covers damage you cause to other vehicles or any medical bills by people you injure while driving.

Collision Coverage: Collision coverage covers the cost of repairing your own vehicle after an accident.

Comprehensive Coverage: Comprehensive coverage covers non-accident damage to your vehicle, including storm damage, fallen tree branches, vandalism, theft, and more.

Uninsured and Underinsured Motorist Coverage: Uninsured and underinsured motorist coverage is required in some states but not others. It protects you from drivers who have no insurance – or too little insurance.

Personal Injury Protection (PIP): PIP is required in some states but not others. It covers medical expenses and other costs regardless of who is at fault.

Rental Coverage: If you need to rent a car because your normal vehicle is in the shop being repaired, then American National may reimburse you.

Medical Payments Coverage: American National offers medical payments coverage, which works similarly to health insurance, covering medical bills and related expenses after a car accident.

Towing and Labor: If your car is disabled on the side of the road and needs to be towed, then American National will cover the cost of towing and labor.

Our Rating of American National Insurance

American National (ANPAC) is a large insurance company that offers a wide range of insurance products and services across all 50 states. It is generally recommended for policyholders who want to bundle home and auto insurance, frequently rent cars, and appreciate an insurance company with a wide range of services, add-ons, and other coverage options.

Financial Strength
Coverage Options
Claims Satisfaction
Customer Service


American National Insurance has a long history and a high AM Best rating. Still, it has received many customer complaints in recent years and is not accredited or rated by the BBB. The lack of a promised response time for claims on their official website is a concern, but the ability to submit claims 24/7 is a perk. While the carrier offers a variety of coverage options, inconsistent customer reviews suggest that excellent service may not be guaranteed.


Final Word: Is American National a Good Car Insurance Company?

American National is a large car insurance company that has sold insurance products across the United States for over 115 years. Founded in 1905, American National has a proven track record of providing auto, home, life, and business insurance to customers in all 50 states.

Unfortunately, it’s difficult to determine if American National is a good car insurance company. The company does not offer online quotes for many of its insurance products. Instead, you must work with an agent to get a customized quote. For online shoppers who want to compare as many prices as possible, this can be a turn-off.

Nevertheless, American National remains a popular, well-rated car insurance company for customers in all 50 states.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
Back to Top