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Reviews and ratings of American national insurance
- Available in all 50 states and Puerto Rico.
- Has less than the expected number of complaints about car insurance.
- Does not offer freeway insurance.
Founded in 1905 by William Lewis Moody Jr., American National Insurance could be a good choice for those looking for a set of insurance products. Headquartered in Galveston, Texas, the company offers a wide range of products including car, home, home and rental insurance in all 50 states. New York insurance products are described through Farm Accident Insurance Company, United Farm Family Insurance Company and American National Insurance Company.
American National Car Insurance
U.S. National Car Insurance received 3.5 stars out of 5 for overall performance. The rating of NerdWallet is determined by our editorial team. The scoring formula takes into account prices and discounts, ease of application, website transparency, financial strength, data from complaints of the National Association of Insurance Commissioners and more.
In addition to the usual car insurance coverage like roadside assistance, American National Insurance sells:
- Gaps insurance,, which pays the difference between the actual cash value of your car and the amount that is borrowed on the car loan if your car is charged or stolen. To buy break insurance, you need to have full coverage and collision.
- ACE Insurance, which means “extra coverage odor” if you need to replace parts on a damaged vehicle. This includes repairing the vehicle with new original equipment manufacturer (OEM) parts, replacing the car with new cars and covering up to $ 100 of personal belongings. Tenant and homeowner insurance also provides coverage in some cases where your personal belongings are stolen or destroyed.
American National auto insurance policies include these benefits (although they may not be available in all states):
- A refund program if you have an automatic and home policy. You can earn a percentage of the deducted contributions back if you remain a free claim for three years.
- Pay one deductible – the amount deducted from the lawsuit if your car and home are damaged by the same incident and you have both policies through U.S. National Insurance.
- Reduced at a discount or non-deductible if injured in a car accident with another U.S. national customer.
When you buy comprehensive and collision insuranceBenefits include:
Auto discounts on American National car insurance include:
- Discount if you apply for a policy before the current one expires.
- Discount if you complete car, home and life insurance.
»MORE: Compare car insurance rates
American National Homeowners Insurance
American National offers a standard homeowners insurance coverage. Policies are also available to apartment owners. Discounts on home insurance include multiple discounts.
American National Life Insurance
Term life insurance policies are available for five, 10, 15, 20 and 30 years.
The company also offers wholesale, universal, indexed universal and guaranteed universal life insurance, which are all types of permanent life insurance.
Against the backdrop of the COVID-19 pandemic, not all companies are accepting new life insurance applications. For the latest information on how to report financial burdens during this emergency, see the NerdWallet page financial guide to COVID-19.
Complaints about American National Insurance
U.S. National Insurance had fewer than expected appeals to state regulators regarding its size for car insurance, according to a three-year report from the National Association of Insurance Commissioners. It was closer to the expected number of home insurance complaints and more than the expected number of life insurance complaints.
More about American National
Website: The American National website allows you to file a claim and make payments, but offers more information on discounts on car or home insurance.
Mobile application: You can use the American National app on Apple or Android devices to view your policy, make a payment, or report a claim. You can also access your ID and request roadside assistance.
In addition to car and home insurance, American National sells annuity and special products such as creditworthiness coverage.
Summary: American national pros and cons
Methodology of car insurance ratings
NerdWallet’s auto insurance ratings reward companies for their first customer features and practices. The ranking is based on a weighted average score in several categories, including financial strength, consumer complaints, transparency and site accessibility. Using our editorial opinion, we also take into account customer satisfaction surveys. These ratings are a guide, but we encourage you to purchase and compare multiple insurance offers to find the best price for you. NerdWallet does not receive compensation for any reviews. Read ours editorial recommendations.
Methodology: Insurer complaints
NerdWallet reviewed complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare each other, NAIC calculates an index of returns each year for each subsidiary, measuring its share of total returns relative to its size or share of total contributions in the area. To assess the grievance history, NerdWallet calculated a similar index for each insurer, weighted by the market share of each subsidiary over three years. Coefficients are determined separately for car, home and life insurance.