Compare American National vs. American Family Insurance

American National and American Family are two big names in the world of insurance. American National was founded in 1905, and American Family was founded in 1927. While American Family is liked for its additional coverage options and award-winning Teen Safe Driver program, American National is liked for its helpful customer service portal and flexible claims services.

However, American National’s website is seemingly difficult to navigate and find helpful information, and American Family doesn’t cover about 19 states or respond promptly to claims and complaints very well. Still, both companies have great 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 American Family
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
American Family
  • You want many discount options or additional coverage
Worst If American National
  • You want to use their website as your #1 point of reference. American National doesn’t provide much information on their products on the website
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

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Special Car Insurance Discounts

American National American Family
American National

The Fresh Start discount.

This 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.

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

Cashback.

This program is for those who insure both their cars and home with American National. But you must remain claim free for three straight years. Then you'll get a check for 25 percent of your home and auto premiums for the last three years. Every year after that you remain claim free, you’ll receive a check as well.

The Three Line discount.

This is offered when you insure your vehicle, home, and life with American National.

The Collector’s discount.

This becomes greater with each collector vehicle added to your account. You can earn up to 85 percent on your discount, and one vehicle must have liability coverage.

American Family

Teen Safe Driver Program

American Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance

Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance

This special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need.

Standard Car Insurance Discounts

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

Consumer Complaint Data

American National Car Insurance American Family Car Insurance
2016 1 33
2015 0 32
2014 1 18
2013 0 9

U.S. Auto Insurance Shopping Study (2016)

American National Car Insurance American Family Car Insurance
Overall Purchase Experience Above average
Policy Offerings Above average
Pricing Above average
Local Agent Above average
Call Center Representative --
Insurer Website --

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

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

Financial Strength Ratings

American National Car Insurance American Family Car Insurance
A.M. Best A A-
Moody's -- --
S&P's A A

Mobile Apps

American National American Family
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.

American Family

My Amfam

American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The app is downloadable for iPhone or Android here.

DreamVault

This app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download DreamVault here

Roadside Assistance

American National American Family
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. But only up to the limits of your 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). 

American Family

American Family Emergency Roadside Service

Service's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out.

Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

Call 1 (800) MYAMFAM (1-800-692-6326)