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American National

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LAST UPDATED: May 18th, 2020

Founded in 1905 and currently headquartered in Galveston, Texas, American National provides insurance to over 5 million policyholders nationwide. In addition to auto insurance, American National’s products include life insurance, accident and health insurance, credit insurance, and other financial protections for individuals and businesses.


The Good

  • Rental Coverage
  • Dual Coverage
  • Premium Reimbursement
  • Customized Coverage

Rental Coverage

If you get comprehensive coverage, collision coverage, or both, you get car rental insurance from American National at no additional charge. You don’t have to painstakingly decide if the additional cost of car rental insurance is worth it to you because you’re getting it for free.

Dual Coverage

If your vehicle and home are damaged in the same incident and they’re both covered by American National, you only pay one deductible.

Cashback Premium Reimbursement

If you insure both your car and your home with American National and don’t make any claims in three consecutive years, you actually get some of the money back that you’ve paid for premiums those three years. And this continues every year after that for as long as you don’t have any claims.

Claim free means no paid claims at any time with the exception of automobile towing and labor claims.

Customized Coverage

Policyholders with American National get up to $2,000 of customized car equipment coverage with Comprehensive and Collision coverage.


The Bad

  • Limited Cashback Program Availability

Limited Cashback Program Availability

American National’s reimbursement program is not available in all states and could be discontinued at any time. So there’s no guarantee that you’ll get a cashback reward even if you meet the current requirements listed. Talk to an American National agent to determine your eligibility for this program.


The Bottom Line

American National sets itself apart by offering gap assistance, which covers the difference between what the vehicle is worth and what you owe on it, and ACE insurance, which is an added coverage endorsement that helps cover replacement parts on damaged vehicles.

Another unique aspect of American National is that if you’re involved in an accident with another car insured by an American National company, your deductible can be discounted or waived.

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4 Reviews

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Nichole Hiatt Eagle Mountain, UT

We've used American National for 14 years and have been very happy with every aspect of the process. We have life, car, home, and rental insurance. Any claim we've filed has been a quick, smooth process. Our agent is very good to work with.

4 years ago

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Michael Patterson Salt Lake City, UT

They cover all cars within our household and have excellent rates for all drivers regardless of age. I've been with them for 17 years and am comfortable with them. They have a great cash back program.

6 years ago

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Adrianne murray Brigham City, UT

I would say they’re a bit higher than the average insurance company. Their cashback program does make it come out about even. Haven’t filed a claim in years so for that purpose it is worth it. Teenage drivers can kill your rates so it’s probably better to Get them their own plan. I have Car, life and house insurance through them

4 years ago

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Terry N Carter

Great service and quality pricing for all our vehicles.

3 years ago