Compare American National vs. 21st Century Insurance

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21st Century and American National are both top companies in the auto insurance industry. 21st Century was founded in 1958, and American National was founded in 1905. While American National offers a broad range of additional auto options such as boat insurance, and has a helpful customer service portal, 21st Century excels in its friendly customer service and affordable auto insurance rates.

However, the former’s website is seemingly difficult to navigate and its products lack sufficient detail, while the latter is known to cancel or raise people’s policies without notice. Still, both have comparably good financial strength ratings.

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

  American National 21st Century
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
21st Century
  • You want good customer service
Worst If 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
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

American National 21st Century
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.

21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts American National 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features American National 21st Century
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 American National 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American National 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances American National 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American National 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American National Car Insurance 21st Century Insurance
2016 1 4
2015 0 2
2014 1 9
2013 0 3

U.S. Auto Insurance Shopping Study (2016)

American National Car Insurance 21st Century Insurance
Overall Purchase Experience Below average
Policy Offerings Below average
Pricing Below average
Local Agent Below average
Call Center Representative Below average
Insurer Website Among the best

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

American National Car Insurance 21st Century Insurance
Overall Satisfaction Average
First Notice of Loss Below average
Service Interaction Average
Appraisal Average
Repair Process Below average
Rental Car Experience Average
Settlement Average

Financial Strength Ratings

American National Car Insurance 21st Century Insurance
A.M. Best A A
Moody's -- --
S&P's A A+

Mobile Apps

American National 21st Century
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.

21st Century

The 21st  iPhone app lets you view and pay insurance bills as well as have 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. Download the app for iPhone here

Roadside Assistance

American National 21st Century
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). 

21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. At no additional cost or no additional coverage on your policy, 21st Century gives policy holder access to 24-hour roadside service.

21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair facility. The cost of parts such as tires, batteries, belts and gasoline are not covered.

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

The 21st Century Roadside Assistance Hotline: 1 (888) 244-6163.