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Alfa vs. American National Insurance

Which insurance company is right for you? Compare cost, coverage, and quotes from Alfa and American National.

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Alfa vs. American National: What You Need to Know

In 1946 John Tucker Harris, President of the Lee County Farm Association and respected farmer in Alabama, founded Alfa as the product of the Alabama Farmers Federation. He wanted to offer superior fire insurance to federation members, who were mainly farmers. Today, Alfa is a much larger enterprise and offers more than just fire insurance. They offer coverages to over 1 million customers in 11 states: Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida and North Carolina. It is still affiliated with Alabama Farmers. Alfa’s vision for the future is to focus on technology to enhance productivity and better serve customers. The company also plans to invest heavily in product and geographic expansion.

American National Insurance Company (ANICO) was founded in 1905 by William Lewis Moody Jr. and headquartered in Gavelston, Texas. During the decades of the 1920s, the company’s assets increased more than 400 percent, compared with the national average for insurance companies at that time. The company continued to grow rapidly, even during the Depression and avoided laying off employees or suffering annual losses.

Although the majority of the stock continues to be controlled by the Moody family through the Moody Foundation and Libby Shearn Moody Trust, the American National Family of Companies is a publicly-traded company under the NASDAQ symbol ANAT. Today, the company provides service for more than 5 million policyholders and it’s an S&P 500 company ranking the top 5% nationwide.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit ALFA Overview and American National P&C Overview.

ALFA vs. American National P&C: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with ALFA and American National P&C. On average, ALFA charges approximately $183.06 per month while American National P&C comes in at around $66.02 per month. For ALFA, the cheapest state average is Virginia at $131.83 per month and the most expensive is Alabama at $373.02 per month. For American National P&C, the cheapest state average is Idaho at $49.11 per month and the most expensive is Nebraska at $86.53 per month.

ALFA

Average Rate

$183.06
American National P&C

Average Rate

$66.02
National

Average Rate

$131.63
State ALFA American National P&C
Alabama $373.02 -
Arkansas $185.29 -
Georgia $223.92 -
Idaho- $49.11
Mississippi $243.36 -
Nebraska- $86.53
South Carolina- $53.97
Virginia $131.83 -

ALFA vs. American National P&C: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that ALFA and American National P&C typically charge for drivers who have more than 1 vehicle.

Number of Vehicles ALFA American National P&C
1 Vehicle $171.14 $66.58
2 Vehicles $258.49 $63.79

ALFA vs. American National P&C: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average ALFA charges $196.55 per month and American National P&C charges $53.68 per month for customers who own their home.

Own/Rent ALFA American National P&C
Own $196.55 $53.68
Rent $177.73 $70.90

What is Alfa and American National Insurance Rating?

American National was founded in 1905 followed by Alfa insurance 41 years later. Alfa Insurance makes a great effort to satisfy consumers with ease in filing claims and getting claims paid. American National received an "A" rating from Standard & Poor's (S&P). Both of their financial strength scores the same Excellent rating. Let SmartFinancial help you find the right auto insurance. Compare car insurance quotes today!

ComparisonAlfaAmerican National
Year Founded19461905
Market Share0.12%
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.82%0.23%
S&P RatingA
<h2 class="primary-header table-header">Alfa or American National: Insurance Products Offered</h2><p>There are some similar insurance coverages Alfa and American National offer to consumers including Auto, Home, Health, Business, Life, Renters, and Boat insurance. Alfa Insurance offers extra coverage in Life insurance including Term, Permanent, and Flexible Universal. Get to know more about Alfa and American National insurance options to save on insurance premiums.</p> <table class="carrier-directory-table three-column"> <thead> <tr> <th>Insurance</th> <th class="pink-text">Alfa</th> <th class="pink-text">American National</th> </tr> </thead> <tbody> <tr><td>Auto Insurance</td> <td>✔</td> <td>✔</td> </tr> <tr> <td>Boat &amp; Watercraft Insurance</td> <td>✔</td> <td>✔</td> </tr> <tr> <td>Business Insurance</td> <td>✔</td> <td>✔</td> </tr> <tr> <td>Classic Car Insurance</td> <td></td> <td>✔</td> </tr> <tr> <td>Health Insurance</td> <td>✔</td> <td>✔</td> </tr> <tr> <td>Home Insurance</td> <td>✔</td> <td>✔</td> </tr> <tr> <td>Life Insurance</td> <td>✔</td> <td>✔</td> </tr> <tr> <td>Motorcycle Insurance</td> <td></td> <td>✔</td> </tr> <tr> <td>Renters Insurance</td> <td>✔</td> <td>✔</td> </tr> <tr> <td>Workers Compensation</td> <td>✔</td> <td>✔</td> </tr> </tbody> </table> <br>

Alfa or American National: Ways to Save

Alfa and American National Insurance have a variety of insurance coverage. They have similar discounts on Multi-Policy for the policyholder who insure more than one product. American National and Alfa Insurance have discounts that could save you hundreds of dollars in monthly insurance costs. Learn more about the savings they offer and see the difference. Lower your insurance premiums today!

AlfaAmerican National
Airbags DiscountCollision Waiver Discount
Burglar Alarm DiscountCommon Cause of Loss Discount
Claims-free DiscountFresh Start Discount
Defensive Driver DiscountMulti-policy Discount
Driver EducationNo Claims Cashback Bonus
Driver Training DiscountsThree Lines Discount
Good Student Discount
Home and Auto Bundle Discount
Homeowner Discount
Multi-car Discount
Multi-policy Discount
Smoke Alarm Discount
Teacher Discount
Youth Defensive Driver Test
Youth Safety Test

Pros & Cons of Alfa & American National

Pros

Alfa
  • Very low customer complaints.
  • Excellent financial strength means reliability in getting claims paid.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
American National
  • American National Insurance has a friendly and helpful customer service according to the reviews.
  • The company operates in all 50 U.S. states.

Cons

Alfa
  • Alfa Insurance is only available in Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers.
American National
  • American’s National website is difficult to navigate and find specific information that you’re may looking for.

Alfa or American National Mobile Apps Options

Alfa2Go® Mobile App is available for iOS and Android. This mobile app provides you access to manage your policies, pay your bill, report a claim, view your ID card and take advantage of exclusive member benefits (Alabama only).

AN Mobile App is available for iOS and Android. This mobile app provides you access to view personal lines insurance policy info (Auto, Home, Specialty Lines, Umbrella Insurance), view your Auto ID cards, submit an Auto and/or Home insurance claim, pay your personal line insurance policy with your bank account or credit/debit card, report an issue or send feedback directly to our development team, request 24-hour roadside assistance and check your Cashback℠ balances (where available).

Alfa Mobile App
iOS     4.71.9 user reviews
Android     3.7251 user reviews
American National Mobile App
iOS     2.734 user reviews
Android     350 user reviews

Alfa & American National Contact Info

Alfa Contact Info
AddressP.O. Box 11000, Montgomery, AL 36191-0001
Phone1-800-964-2532
Websitehttps://www.alfainsurance.com/
Facebookhttps://www.facebook.com/AlfaInsurance
Youtubehttps://www.youtube.com/user/AlfaInsurance
Twitterhttps://twitter.com/Alfa_Insurance
American National Contact Info
AddressOne Moody Plaza - Galveston, Texas - 77550
Phone1-800-333-2860
Websitehttps://www.americannational.com/
Facebookhttps://www.facebook.com/AmericanNationalInsuranceCompany
Youtubehttps://www.youtube.com/channel/UCESIrhTSwvPnZAmuxSccYYg
Linkedinhttps://www.linkedin.com/company/american-national-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

About the Author
Fran Majidi
Fran Majidi
Insurance Expert

Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.

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