American National Car Insurance

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This profile will tell you everything you need to know about American National Insurance. You’ll learn which states the company serves and where the company fits in terms of financial strength. We also share how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how American National handles its claims process. From there, you’ll have all the tools you need to decide whether American National is the right insurance provider for you.

Best If

  • You want a wide variety of auto/other insurance options, such as boat insurance

Worst If

  • You want to use their website as your #1 point of reference; American National doesn’t provide abundant information on their products on the website

By The Numbers

  • American National is licensed to operate in all 50 states except New York; American National Life Insurance Company of New York (a subsidiary of American National), conducts business there
  • 3,000+ employees across six offices nationwide
  • 5,000,000+ policyholders

Consumer Reviews

    • Gave American National 3 out of 5 stars
    • Raved about the company’s helpful customer service portal on their website
    • Criticized the company’s lack of detail on their product descriptions on their website
    • Gave American National 3.5 out of 5 stars
    • Many consumers raved about how easy ANICO is to work with and settle a claim
    • However, some consumers criticized the company's website because it is seemingly difficult to navigate and find relevant information
  • Better Business Bureau
    • Gave American National an A+ rating, though it is not BBB accredited
    • The company's length of time in business as well as lack of complaints field with BBB contributed to its score

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Total Complaints
Percent Change
Source: National Association of Insurance Commissioners

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Policy Offerings
Local Agent
Call Center Representativ
Insurer Website

U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
First Notice of Loss
Service Interaction
Repair Process
Rental Car Experience
Source: J.D. Power

Financial Ratings

A.M. Best
Excellent; third-highest possible
Strong; still somewhat susceptible; third-highest possible

Typical Discounts

The Fresh Start discount is offered to those who apply for a policy with American National before their current one expires. With this discount, you can save money on your first six months of coverage.

The Association discount gets you 10 percent off your premiums if you’re a member of certain national and local auto clubs.

Cashback is an American National program that is available to those who insure both their vehicles and home with American National. In addition, they must remain claim free for three consecutive years. At that point, American National sends a check that includes 25 percent of the total home and auto premiums you paid the last three years. Every year after that you remain claim free, you’ll receive a check as well.

The Three Line discount is offered when you insure your vehicle, home, and life with American National.

The Collector’s discount becomes greater which each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage.

Roadside Assistance

Easy Tow Roadside Assistance from ANPAC

Easy Tow roadside assistance program will dispatch service to you immediately. ANPAC (American National Property and Casualty) will pay for the service fee, up to the limits of you car insurance policy for roadside assistance. Call Easy Tow or access ANPAC's iPhone app Insured2Go to get service dispatched to you.

Roadside Assistance Services Covered

  • Tire change
  • Gas delivery
  • Lockouts
  • Towing
  • Jump start
  • Winching

Contact Phone Number

With roadside assistance coverage, all you have to do is call 1 (866) Easy Tow (1 866-327-9869). 

Mobile Apps

Insured2Go is ANPAC’s mobile app. The app allows you to report or track claims, review your policy information, direct access to roadside assistance, locate nearby repair shops, pay your premiums, and much more.


William L. Moody Jr. founded American National Insurance Company in 1905. Moody wanted to create a company that encompassed the core values of “strong management, prudent investment, and financial strength.” It now offers a wide range of insurance policies, from life to accident and health to pension plans and credit insurance. Its headquarters are in Galveston, Texas.

American National Property and Casualty Company (ANPAC) was incorporated in 1973 and provides various property and casualty coverage policies. The ANPAC office is in Springfield, Missouri.

Claims Process

To file a claim with American National, click here.

Claims can be filed 24 hours a day, 7 days a week to a toll-free number.

Contact your local agent or call the property and casualty service center at (417) 887-0220.

Claims Office Phone: 1 (800) 333-2860

Contact Information

Claims Site
Customer Service Site

Mailing Address:
One Moody Plaza
1 Moody Ave
Galveston, TX 77550

Mailing Address (ANPAC):
American National Center
1949 E. Sunshine
Springfield, MO 65899-0001

Customer Service Phone Number: 1 (800) 899-6806