American National Insurance Review (2026)
- Overall rating: good (3.8/5 stars)
- Average cost: $695 for a 6-month policy
- Digital experience score: Solid (4.5/5 stars)
Read more below to get a quote directly from American National.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Tara joined The Zebra in 2025, bringing 18 years of marketing and public relations experience with fintech and insurance brands. She specializes in c…
Credentials
- 18+ years of experience in the fintech & insurance industries
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
American National Insurance: A good choice for drivers
American National earns a good rating from experts at The Zebra thanks to its competitive premiums, solid coverage options, and reliable claims handling.
Customers generally agree—most report positive experiences, and low complaint levels combined with strong financial ratings indicate the company’s ability to pay claims reliably.
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Longevity: Established history suggests reliable long-term coverage.
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Self-service: Complete tasks independently without waiting for an agent.
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Online management: Handle routine tasks and updates online on your schedule.
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Limited support: Limited options can prevent you from getting help when needed.
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Service concerns: Frequent complaints suggest problems with claims and customer service.
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Lacks integration: No integration means managing insurance separately from other accounts.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is American National car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas American National is about .[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| American National | $195 | $695 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how American National stacks up against competitors →
Discounts offered at American National: A small selection
American National has a minimal amount of discounts available. Along with the common options you'll find elsewhere— such as multi-policy discounts— American National also offers claim-free rewards, where if you carry both home and auto insurance with American National and remain claim-free, you receive an incentive.
Compare with other companies
See how American National stacks up against similar companies
American National's customer service & claims experience: consistent and reliable
American National Insurance provides a reliable experience for a wide range of drivers, with strong performance in claims handling and customer satisfaction. Low complaint rates and solid financial ratings highlight the company’s dependability in paying claims. With generally competitive premiums, American National is a good option for drivers seeking value without compromising service quality.[2]
Thinking about American National?
How's the claims handling at American National?
Service vs. savings
How much will your rates climb after filing a claim with American National?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $742 |
| One comp claim | $760 |
| Two comp claims | $763 |
| At-fault accident - $1000-$2000 | $858 |
| At-fault accident - greater than $2000 | $1,000 |
Source: The Zebra
American National Insurance delivers a dependable experience for many types of drivers, with solid performance in claims handling and customer satisfaction. Their low complaint levels and strong financial ratings indicate reliability in paying claims. Premiums are typically competitive, making them a good choice for drivers who want value without sacrificing service.
Coverage options: Flexible and customizable
Along with standard coverage like comprehensive, collision, liability, medical payments and uninsured/underinsured motorist, American National allows its customers to tailor their policies to meet their needs. Below are some optional extras that can be added to a American National insurance policy.
Carrier pulse: Recent news from American National
- American National Insurance was named one of America's most Trustworthy Companies by Newsweek in 2025.[3]
Final thoughts: Is American National Right for You?
American National provides flexible coverage options that can be tailored to meet a variety of individual needs, along with smooth and efficient claims processing that ensures policyholders receive timely assistance. The company is known for reliable claims handling and demonstrates solid financial stability, giving customers confidence that claims will be paid even during major events.
Frequently Asked Questions about American National
Get quotes from American National and other top companies
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Survey. The Zebra
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Most Trustworthy Companies in America 2025. Newsweek
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
