American National: Overview

Based in Galveston TX, American National has been providing insurance since 1907.

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About American National

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.

Anico provides a variety of insurance and financial products through an agent network across 50 states, including life insurance, annuities, health insurance, credit insurance, pension products, agribusiness, property, and casualty insurance and commercial insurance. American National Property and Casualty Company (ANPAC) is a subsidiary of ANICO and offers auto and homeowners insurance, as well as many specialty lines of coverage.

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.

American National Facts & Ratings

Year Founded1905
Financial StrengthExcellent
A.M. BestA
NAIC Complaint Ratio0.23%
S&P RatingA

American National Mobile App Rating

iOS     2.734 user reviews
Android
     3.050 user reviews

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).

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

Common Questions about American National

How does the American National Insurance rate?

Standard & Poor’s Financial Services, LLC has rated American National Insurance Company with its “A” rating and insurance rating organization, A.M. Best, also gives rated the company with “A” rating. Although the company isn’t accredited by the Better Business Bureau, it does have an A+ rating.

Is American National Insurance a good company?

American National Insurance does a good job handling customer service, regardless of your location, according to some online reviews. Also, the company earns an A+ rating from the Better Business Bureau (BBB).

Is American National a mutual company?

American National insurance is a publicly-traded company under the NASDAQ symbol ANAT.

How to file American National insurance claims?

You can file a claim with American National Insurance through the following options: Online: log in to your American National account with your username and password Phone: call 800-333-2860 to report a claim 24/7 Mobile App: download and log into the mobile app to file a claim on your smartphone

It’s important to have some information in hands, such as: your policy number, date, time and location of the accident, names, addresses, phone numbers of registered owners, injured people, occupants of other cars and witnesses, description and license numbers of the other cars involved, photos taken after the accident and police report number (if applicable).

Does American National Insurance have a good student discount?

American National Insurance offers a good student discount and also many other types of discounts to save you money.

How does Cashback work with American National auto insurance?

American National auto insurance offers cashback for good behavior. If you insure both your vehicle and your home and remain claim free for three consecutive years, the company will send you a check for a percentage of your eligible home and auto premiums paid three years prior. You’ll receive a check each year thereafter that you remain claim-free.

Does American National offer gap insurance?

American National offers gap insurance which pays for the difference between your outstanding loan balance and the value of your car, up to $10,000, in case your car is totaled.

What benefits does American National auto insurance have?

American National auto insurance offers some benefits, including 24/4 phone availability Locally available agents Digital claims reporting Emergency roadside service Rental car coverage

What does American National Universal Life Insurance offer?

American Nation Universal Life Insurance is a permanent life insurance policy and offers the following: Flexible Premiums: you may be able to adjust how much you pay into your policy as long as you keep enough available cash value Flexible Benefits: you have the ability to increase or decrease your death benefits Loan Access: you can borrow against a portion of your policy’s cash value to help you pay for the unexpected Optional Riders: riders help you customize your policy with options like disability waivers, extending coverage and covering kids

Is Term better than Whole with American National Life Insurance?

With term life insurance, the insured is covered with pure death benefit protection only. For this reason, it’s considered to be the most “basic” of all insurance life forms and typically the most affordable. It’s purchased for a certain period of time such as 10,15,20 or 30 years. Whole life insurance is the simplest form of permanent life insurance and it offers a guaranteed death benefit, and the premium amount will be locked in for the life of the policy.

What is American National medicare supplement insurance?

American National offers medicare supplement insurance which helps cover costs that are outside your medicare plans like deductibles, co-payments, and co-insurance. The company offers six of the 11 plans based on the state.

What coverage does the American National health insurance offer?

American National's health insurance policies provide protection for loss of life and loss of earnings or expenses incurred due to illness or injury. The company offers different types of health insurance which include: Medicare Supplement Insurance Recovery Care Insurance Limited Medical Insurance Critical Illness Insurance Accident Insurance

How does American National Home Insurance works?

American National Home Insurance offers protection from the house itself to your belongings and people who you invite. The coverage includes coverage for the building, your possessions and any other structures on your property If you have to relocate temporarily, it offers help to cover extra expenses If someone suffers an injury on your property, it provides personal liability and medical payments

What coverage does American National provide to renters?

American National renters insurance provides: Customizable Coverage: considering that every home is different, feel free to customize your policy according to your needs Special Coverage Limits: protect your personal property and the full value of the items you cherish most Temporary Relocation: if any damage in your house requires you to relocate, it’ll cover extra expenses Condo Coverage: it’ll help covers the things your association requires you to insure and replace covered property with new items

What does American National Business Insurance cover?

American National Business Insurance offers different types of coverage including Property Coverage: buildings, computer systems, outdoor property, property in transit or temporarily off-premises, accounts receivable, employee dishonesty, forgery or alterations and money and securities, on or off premises Liability Insurance: mitigate the impact of damages, lawsuits, medical expenses and anything else you’re held responsible for, on or off premises Workers Compensation: it helps replace lost wages and pays for medical treatment should they suffer a work-related injury Pension plan: it can include 412(e)(3)Plans, 401(k) Plans, Cross-Tested Profit Sharing Plans, Cash Balance Plans, Innovative design, and Complete Plan Administration

American National Insurance Products

Auto InsuranceHome Insurance
Renters InsuranceLife Insurance
Business InsuranceLiability Insurance
Workers CompensationCommercial Auto Insurance
Annuities InsuranceHealth Insurance
Condo InsuranceClassic Car Insurance
Motorcycle InsuranceOff-Road Vehicle Insurance
Boat & Watercraft InsuranceRV Insurance
Agribusiness InsuranceRecreational Vehicle Insurance
Credit Life and Credit Disability InsuranceCredit Involuntary Unemployment Insurance
Collateral Protection InsuranceVendor’s Single Interest Insurance
Credit Property Insurance

American National Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Car Rental Coverage

This coverage pays for the cost of a rental car after an accident. If you purchase collision or comprehensive coverage, car rental coverage is included for free.

Roadside assistance

This coverage provides towing, mechanical and roadside help with common issues like locked doors, tire changes and gas delivery to customers in Alabama, Georgia, and Mississippi.

Customized Equipment.

With collision or comprehensive coverage, get up to $2,000 of customized equipment coverage to repair or replace aftermarket parts.

Gap Coverage

This coverage pays for the difference between your outstanding loan balance and the value of your car, up to $10,000.

ACE Coverage

This coverage replaces your vehicle with a comparable one if your car is less than one year old and has less than 15,000 miles on it and also damages cost more than 25% of its original cost.

Discounts

Multi-policy DiscountCommon cause of Loss Discount
Collision Waiver DiscountNo Claims Cashback Bonus
Three Lines DiscountFresh Start Discount

American National P&C Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with American National P&C. On average, American National P&C charges approximately $51.80 per month. The cheapest state average is Idaho at $37.50 per month followed by at $41.33 per month. The most expensive state average is South Carolina at $53.41 per month.

State Avg monthly rate
ID $37.50
NE $44.32
State Avg monthly rate
SC $53.41

American National P&C Auto Insurance Rates by Vehicle

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

Number of Vehicles Avg Monthly Rate
1 Vehicle $46.72
2 Vehicles $71.79
3 Vehicles $79.85
4 Vehicles $115.06
5 Vehicles $117.67

American National P&C Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average American National P&C charges $47.08 per month for drivers who own their home and $53.99 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $47.08
Rent $53.99

American National Contact Info

AddressOne Moody Plaza - Galveston, Texas - 77550
Phone1-800-333-2860
Website https://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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