American National vs. 21st Century Insurance

Which insurance provider is right for you? Compare products, prices and quotes from American National and 21st Century.

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American National vs. 21st Century: What You Need to Know

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.

21st Century Insurance -- formerly 20th Century Insurance -- was founded in 1958 by Louis W. Foster and began offering auto insurance, mainly in California. The company was located in a one-room office in Los Angeles, California in the beginning and relocated to Woodland Hills, California before moving to Wilmington Delaware, where 21st Century Insurance is now headquartered. Today, 21st Century Insurance sells many lines of insurance, including specialty homeowners insurance, motorcycle insurance and more.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit American National P&C Overview and 21st Century Overview.

American National P&C vs. 21st Century: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with American National P&C and 21st Century. On average, American National P&C charges approximately $44.83 per month while 21st Century comes in at around $156.07 per month. For American National P&C, the cheapest state average is South Carolina at $42.67 per month and the most expensive is South Carolina at $42.67 per month. For 21st Century, the cheapest state average is California at $155.85 per month and the most expensive is California at $155.85 per month.

American National P&C

Average Rate

21st Century

Average Rate


Average Rate

State American National P&C 21st Century
California- $155.85
South Carolina $42.67 -

American National P&C vs. 21st Century: Rates by Number of Vehicle


Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that American National P&C and 21st Century typically charge for drivers who have more than 1 vehicle.

Number of Vehicles American National P&C 21st Century
1 Vehicle $39.67 $150.12
2 Vehicles $ $234.24

American National P&C vs. 21st Century: Rates by Homeownership

Rates Are Not Currently Available

What Are American National and 21st Century Insurance's Ratings?

What's the difference between American National and 21st Century? Both show a positive review for their financial strength with rated Excellent. American National received an "A" rating from Standard & Poor's (S&P) whereas 21st Century stands with an "A+". Find out more and start to compare insurance companies side-by-side.

ComparisonAmerican National21st Century
Year Founded19051958
BBB RatingA+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
NAIC Complaint Index1.47
NAIC Complaint Ratio0.23%
S&P RatingAA+

American National or 21st Century: Insurance Products Offered

American National and 21st Century sell insurance policies with competitive premiums in Auto, Life and Boat coverage. American National offers specialty products like Credit Life and Credit Disability Insurance or Collateral Protection Insurance (CPI). However, 21st Century offers additional products in Antique Auto, ATV and Manufactured/Mobile insurance. Compare the American National and 21st Century and see which insurer is for you.

Insurance American National 21st Century
Agribusiness Insurance
Annuities Insurance
Antique Auto Insurance
ATV Insurance
Auto Insurance
Auto Mechanical Breakdown Insurance
Boat Insurance
Business Insurance
Classic Car Insurance
Collateral Protection Insurance
Commercial Auto Insurance
Condo Insurance
Credit Involuntary Unemployment Insurance
Credit Life And Credit Disability Insurance
Credit Property Insurance
Flood Insurance
Health Insurance
Home Insurance
Liability Insurance
Life Insurance
Manufactured/Mobile Home
Motorcycle Insurance
Off-Road Vehicle Insurance
Personal Watercraft Insurance
Recreational Vehicle Insurance
Renters Insurance
RV Insurance
Specialty Homeowners Insurance
Vendor’s Single Interest Insurance
Workers Compensation

American National or 21st Century: Ways to Save

21st Century and American National offer attractive insurance discounts to policyholder's premiums. See what the two insurance providers have to offer with a side-by-side discount comparison chart. Getting an auto insurance quote from SmartFinancial will help you save time. Get a quote today!

American National21st Century
Collision Waiver DiscountMature Driver Discount
Common Cause of Loss DiscountMulti-Car Discount
Fresh Start DiscountPaperless & Autopay Discount
Multi-Policy DiscountSafe Driver Discount
No Claims Cashback Bonus
Three Lines Discount

Pros & Cons of American National & 21st Century


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
21st Century
  • 21st Century offers affordable rates to good drivers in California and a few other states.
  • 21st Century is a financially strong company.
  • 21st Century offers many lines of insurance and multi-policy discounts.


American National
  • American’s National website is difficult to navigate and find specific information that you’re may looking for.
21st Century
  • 21st Century mainly does business in California.

American National or 21st Century Mobile Apps Options

American National's AN Mobile App is available for iOS and Android. This mobile app provides 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).

The 21st Century Mobile app is available for iOS and Android. It enables you to view your policy, pay bills, report a claim, receive roadside assistance and more. The iPhone app even has other functions, like finding nearby restaurants with good ratings.

American National Mobile App
iOS     2.734 user reviews
Android     350 user reviews
21st Century Mobile App
iOS     1.95 user reviews
Android     3.2934 user reviews

American National & 21st Century Contact Info

American National Contact Info
AddressOne Moody Plaza - Galveston, Texas - 77550
21st Century Contact Info
Address3 Beaver Valley Road, Wilmington, DE 19803

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.

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