Compare American National vs. Farmers Insurance

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American National and Farmers are both top companies in the world of auto insurance. American National was founded in 1905, and Farmers was founded in 1928. Farmers offers an extensive selection of auto discounts and policy options, while American National has reliable customer service and claims settlement services.

However, American National’s website is hard to navigate and lacks helpful online tools, and Farmers also has a weak online platform. Still, both companies have great financial strength ratings, and A+’s from the Better Business Bureau.

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 Farmers
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
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
Farmers
  • You want slick online tools to manage your policy

Special Car Insurance Discounts

American National Farmers
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.

Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Standard Car Insurance Discounts

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

Consumer Complaint Data

American National Car Insurance Farmers Car Insurance
2016 1 167
2015 0 262
2014 1 237
2013 0 300

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

American National Farmers
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.

Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Roadside Assistance

American National Farmers
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). 

Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services.