American National vs. Pemco Insurance

Which insurance company is right for you? Compare ratings, premiums and quotes from American National and Pemco.

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American National vs. Pemco: 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.

Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers, who were members of the Seattle Teachers Credit Union which he founded in 1939 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.

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 PEMCO Overview.

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

Below is a list of the average rates that drivers typically pay with American National P&C and PEMCO. On average, American National P&C charges approximately $48.57 per month while PEMCO comes in at around $104.39 per month. For American National P&C, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month. For PEMCO, the cheapest state average is Washington at $104.39 per month and the most expensive is Washington at $104.39 per month.

American National P&C

Average Rate

$48.57
PEMCO

Average Rate

$104.39
National

Average Rate

$133.56
State American National P&C PEMCO
Washington- $104.39

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

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

Number of Vehicles American National P&C PEMCO
1 Vehicle $ $105.17

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

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Rates Are Not Currently Available

What Are American National and Pemco Insurance's Ratings?

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

ComparisonAmerican NationalPemco
Year Founded19051949
Market Share3.8%
BBB RatingA+
Financial StrengthExcellentExcellent
JD PowerAmong the Best
NAIC Complaint Ratio0.23%
S&P RatingA

American National or Pemco: Insurance Products Offered

American National and Pemco sell insurance policies with competitive premiums in Auto, Home, Renters, Boat and Condo coverage. American National offers specialty products like Credit Life and Credit Disability Insurance or Collateral Protection Insurance. However, Pemco offers additional products for Collector Vehicle, Earthquake, Flood Insurance and more. Compare the American National and Pemco and see which insurer is for you.

InsuranceAmerican NationalPemco
Agribusiness Insurance
Annuities Insurance
Auto Insurance
Boat Insurance
Business Insurance
Classic Car Insurance
Collateral Protection Insurance
Collector Vehicle Insurance
Commercial Auto Insurance
Condo Insurance
Credit Involuntary Unemployment Insurance
Credit Life And Credit Disability Insurance
Credit Property Insurance
Earthquake Insurance
Flood Insurance
Health Insurance
Home Insurance
Liability Insurance
Life Insurance
Manufactured Home Insurance
Motorcycle and Scooter Insurance
Motorcycle Insurance
Off-Road Vehicle Insurance
Recreational Vehicle Insurance
Renters Insurance
RV Insurance
Specialty Insurance
Umbrella Insurance
Vendor’s Single Interest Insurance
Water & Sewer Line Insurance
Workers Compensation

American National or Pemco: Ways to Save

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

American NationalPemco
Collision Waiver DiscountAccident Forgiveness Benefit
Common Cause of Loss DiscountAdvance Purchase Discount (for new business)
Fresh Start DiscountAuto Plus Home Discount
Multi-Policy DiscountDefensive Driver Discount
No Claims Cashback BonusDistant Student Discount
Three Lines DiscountEducator Discount
Good Student Discount
Homeownership Discount
Life Insurance (only for members of the teacher’s credit union)
Low Mileage Discount
Loyal Auto Customer Discount
Minor Ticket Forgiveness Benefit
New Vehicle Discount
Paid in Full Discount
Safety/Security Feature Discount
University of Washington Alumni Discount

Pros & Cons of American National & Pemco

Pros

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
Pemco
  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers

Cons

American National
  • American’s National website is difficult to navigate and find specific information that you’re may looking for.
Pemco

American National or Pemco 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 Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.

American National Mobile App
iOS     2.734 user reviews
Android     350 user reviews
Pemco Mobile App
iOS     3.65 user reviews
Android     4.368 user reviews

American National & Pemco Contact Info

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/
Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (800) 467-3626
Websitehttps://pemco.com/
Facebookhttps://www.facebook.com/PEMCOInsurance/
Youtubehttps://www.youtube.com/channel/UChCRheGkktnLSRYpqBsEP8g
Twitterhttps://twitter.com/PEMCO
Linkedinhttps://www.linkedin.com/company/pemco/

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.

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