American National Insurance has been serving customers since 1905, offering a range of insurance products, including auto, life, home, and business insurance. With strong financial ratings and a nationwide presence, American National has established itself as a trusted insurer. But how does it stack up against the competition in 2025?
In this American National Insurance Review 2025, we’ll explore its coverage options, pros and cons, customer satisfaction, and whether it’s the right insurer for you.
American National Insurance: Overview
- Founded: 1905
- Headquarters: Galveston, Texas
- Availability: All 50 states and Puerto Rico
- Financial Strength Rating: A (A.M. Best & S&P)
- BBB Rating: A+
American National Insurance stands out with its cashback rewards program and bundling discounts, but it lacks extensive discounts and digital tools compared to some competitors.
American National Auto Insurance Coverage
American National offers standard and optional coverage for drivers, ensuring flexibility in policy selection.
Standard Coverage:
✅ Liability Insurance – Covers bodily injury and property damage if you’re at fault in an accident.
✅ Collision Coverage – Pays for damages to your car in case of an accident.
✅ Comprehensive Coverage – Covers non-collision damages like theft, vandalism, and weather events.
✅ Uninsured/Underinsured Motorist Coverage – Protects you if you’re hit by an uninsured driver.
✅ Medical Payments Coverage – Helps cover medical bills for you and your passengers.
Additional Coverage Options:
✔️ Gap Insurance – Covers the difference if your car is totaled but you owe more than its value.
✔️ Roadside Assistance – Helps with towing, fuel delivery, and flat tires.
✔️ Rental Reimbursement – Covers the cost of a rental car while yours is in repair.
Pros & Cons of American National Auto Insurance
✅ Pros:
✔️ Nationwide Availability – Policies available in all 50 states and Puerto Rico.
✔️ Lower-than-Average Complaints – Fewer customer complaints compared to competitors.
✔️ Cashback Program – Earn cashback if you remain claim-free for three consecutive years.
✔️ Strong Financial Ratings – Rated “A” for financial stability by A.M. Best and S&P.
❌ Cons:
✖️ Limited Discounts – Fewer discount options than top competitors like GEICO and Progressive.
✖️ Lack of Online Quote Tools – Policy details and quotes require speaking to an agent.
✖️ Website Lacks Transparency – Limited information on policy features and pricing.
American National Cashback Program: A Unique Perk
One standout feature is American National’s Cashback Rewards Program. If you insure both your home and car and remain claim-free for three consecutive years, you’ll receive a percentage of your paid premiums back in cash.
This benefit continues annually as long as you maintain a claim-free status, making it a great incentive for safe drivers.
American National Insurance Customer Reviews & Satisfaction
American National scores 3/5 stars in NerdWallet’s 2025 review, reflecting a solid but not industry-leading reputation.
✔️ Positive Feedback: Many customers appreciate the personalized service and cashback rewards.
✖️ Negative Feedback: Some report difficulties in getting detailed policy information online.
While the company maintains an A+ rating from the BBB, the lack of online self-service tools is a drawback for tech-savvy users.
How Much Does American National Auto Insurance Cost?
American National does not publicly disclose its pricing online, as rates depend on several factors:
- Driver’s age and driving history
- Vehicle type
- Location
- Selected coverage limits
- Discounts applied
To get an accurate American National auto insurance quote, you’ll need to speak with an agent directly.
American National Insurance Discounts
Though not as extensive as some competitors, American National offers several ways to save on auto insurance:
✔️ Multi-Policy Discount – Bundle auto with home, life, or other policies for savings.
✔️ Claim-Free Cashback – Get cashback after three years without a claim.
✔️ Safe Driver Discount – Rewards drivers with clean records.
✔️ Good Student Discount – Discounts for students with high GPAs.
If you’re looking for more robust discount options, competitors like State Farm, Allstate, and Progressive may offer better savings.
American National vs. Competitors (2025 Comparison)
| Feature | American National | GEICO | State Farm | Progressive |
|---|---|---|---|---|
| Financial Strength | A (A.M. Best) | A++ | A++ | A+ |
| Discounts | Limited | Extensive | Extensive | Extensive |
| Customer Complaints | Lower than average | Average | Low | Average |
| Cashback Program | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Nationwide Availability | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Online Quotes | ❌ No | ✅ Yes | ✅ Yes | ✅ Yes |
American National’s cashback program is a unique advantage, but for those who prefer extensive discounts or online convenience, GEICO, State Farm, or Progressive might be better options.
Is American National Auto Insurance Right for You?
✅ Best for:
- Customers who want a cashback incentive for being claim-free.
- Those who bundle multiple policies for savings.
- Drivers looking for personalized service through agents.
❌ Not ideal for:
- People who prefer online tools and digital convenience.
- Those looking for the most extensive discount options.
Final Verdict: Should You Choose American National Auto Insurance in 2025?
American National remains a strong, financially secure insurer with some valuable perks, particularly its cashback rewards program. While it offers fewer discounts and digital tools compared to its competitors, it is an excellent choice for policyholders who want personalized service and long-term savings.
Before making a decision, it’s best to compare quotes from multiple insurers to ensure you’re getting the best deal for your coverage needs.
FAQs About American National Auto Insurance
1. Is American National auto insurance good?
Yes, American National is a financially strong and reputable insurer with lower-than-average complaints and a unique cashback program.
2. How do I get an American National auto insurance quote?
You need to contact an agent directly, as online quotes are not available.
3. Does American National offer discounts?
Yes, but fewer than competitors. Available discounts include multi-policy, safe driver, and claim-free cashback rewards.
4. Is American National available in my state?
Yes, American National offers insurance in all 50 U.S. states and Puerto Rico.
5. How does the cashback program work?
If you remain claim-free for three consecutive years, you receive a check for a percentage of your eligible premiums. This benefit continues annually as long as you don’t file a claim.
Get a Quote from American National Today
Interested in American National Auto Insurance? Contact an agent to discuss your coverage options and see if you qualify for discounts or cashback rewards.
💡 Compare rates with multiple insurers to ensure you’re getting the best coverage at the lowest price.