Direct Auto vs. American National Insurance

Which insurance company is right for you? Compare pros & cons, premiums, and quotes from Direct Auto and American National.

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Direct Auto vs. American National: What You Need to Know

In 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer, He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.

Direct Auto Company specializes in providing auto insurance for all people, even those considered “high-risk” or who need SR-22 certification. Today, Direct Auto Company has more than 400 retail store locations across the United States and provides consumers a variety of products and services online, in-store and over the phone.

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 Direct Auto Overview and American National P&C Overview.

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

Below is a list of the average rates that drivers typically pay with Direct Auto and American National P&C. On average, Direct Auto charges approximately $117.09 per month while American National P&C comes in at around $47.08 per month. For Direct Auto, the cheapest state average is California at $68.83 per month and the most expensive is Texas at $79.92 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.

Direct Auto

Average Rate

$117.09
American National P&C

Average Rate

$47.08
National

Average Rate

$133.56
State Direct Auto American National P&C
California $68.83 -
Texas $79.92 -

Direct Auto vs. American National P&C: 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 Direct Auto and American National P&C typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Direct Auto American National P&C
1 Vehicle $116.02 $

Direct Auto vs. American National P&C: Rates by Homeownership

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Rates Are Not Currently Available

What is Direct Auto and American National Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Direct Auto and American National ranked among the industry ratings.

ComparisonDirect AutoAmerican National
Year Founded19911905
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06
NAIC Complaint Ratio0.23%
S&P RatingA

Direct Auto or American National: Insurance Products Offered

What coverage is available through Direct Auto and American National? Both insurance companies offer Auto, Commercial, Health, Motorcycle, and RV insurance. Additional products from American National insurance also includes Condo, Farm, Home, Life, and Renters insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Direct Auto and American National P&C Insurance page.

InsuranceDirect AutoAmerican National
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance

Direct Auto or American National: Ways To Save

American National offers a wide range of discounts to its policyholders, including Common cause of Loss, Fresh Start, and Multi-policy discounts. Direct Auto also offers a few discounts that American National doesn’t including Welcome Back, Senior Citizen, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like American National and Direct Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Direct AutoAmerican National
Affinity DiscountCollision Waiver Discount
Good Student DiscountCommon cause of Loss Discount
Homeowner DiscountFresh Start Discount
Mileage DiscountMulti-policy Discount
Military DiscountNo Claims Cashback Bonus
Multi-Car DiscountThree Lines Discount
Multi-Product Discount
Prior Coverage Discount
Renewal Discount
Safe Driver Discount
Senior Citizen Discount
Welcome Back Discount

Pros & Cons of Direct Auto & American National

Pros

Direct Auto
  • Flexible billing options and customizable insurance payments
  • Affordable rates regardless of consumers driving history
  • Offers SR-22 filing for drivers
  • Offers a variety of discounts
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

Direct Auto
  • Claims only by phone. There is no option to file a claim online.
American National
  • American’s National website is difficult to navigate and find specific information that you’re may looking for.

Direct Auto or American National Mobile Apps Options

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).

Direct Auto Mobile App
Direct Auto does not currently have a mobile app.
American National Mobile App
iOS     2.734 user reviews
Android     350 user reviews

Direct Auto & American National Contact Info

Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://www.instagram.com/directautoins/

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.

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