Compare Allstate vs. American National Insurance

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Allstate and American National (ANPAC) are both great insurance companies, but come with their respective strengths and weaknesses. Allstate was founded in 1931, and American National was founded in 1905. Its auto insurance component, ANPAC was later incorporated in 1973.

American National offers discounts, but does not offer extensive details or information on its insurance products on its website. American National does offer auto insurance for more than just cars; boats and other motor vehicles are eligible for insurance under American National. Allstate has a wide range of driver discounts and additional discounts for agricultural and farm vehicles.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate American National
Best If Allstate
  • You want easy, online tools to access your account
American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Worst If Allstate
  • You're looking for reasonably priced premiums
American National
  • 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

Special Car Insurance Discounts

Allstate American National
Allstate American National

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.

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate American National
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate American National
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allstate American National
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate American National
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate American National
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate American National
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance American National Car Insurance
2016 322 1
2015 460 0
2014 569 1
2013 530 0

U.S. Auto Insurance Shopping Study (2016)

Allstate Insurance American National Car Insurance
Overall Purchase Experience Below average
Policy Offerings Average
Pricing Below average
Local Agent Average
Call Center Representative Below average
Insurer Website Average

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

Allstate Insurance American National Car Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Above average
Repair Process Below average
Rental Car Experience Above average
Settlement Average

Financial Strength Ratings

Allstate Insurance American National Car Insurance
A.M. Best A+ A
Moody's Aa3 --
S&P's AA- A

Mobile Apps

Allstate American National
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

American National

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.

Roadside Assistance

Allstate American National
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
American National

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).