Compare American National vs. Foremost Insurance

American National and Foremost are two strong competitors in the insurance world. American National was founded in 1905 and Foremost was founded in 1952. American National offers an easy claims process, while Foremost offers great customer service and a plethora of discounts. However, Foremost tends to have higher premiums due to dealing with high-risk drivers and American National’s website lack enough detail on products and can be hard to navigate. Still, both companies offer a great variety of insurance products and have A+ ratings 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 Foremost
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
  • You want a variety of coverage options
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
  • You want a fast claims and pay-out process

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Comparing quotes is the best way to get the lowest rates from top insurers like American National and Foremost. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

American National Foremost
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.


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.


Standard Car Insurance Discounts

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

Consumer Complaint Data

American National Car Insurance Foremost Car Insurance
2016 1 65
2015 0 98
2014 1 87
2013 0 97

U.S. Auto Insurance Shopping Study (2016)

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

Mobile Apps

American National Foremost
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

American National Foremost
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). 


Foremost Towing and Roadside Service Coverage

The extra Towing and Roadside coverage will get you roadside service on covered vehicles. But you could be subject to a maximum policy limit.

Foremost offers towing and other roadside services to its customers. It also will cover any roadside costs for you subject to a maximum limit on your auto policy.

Services Covered

  • Towing
  • Battery service
  • Tire change
  • Gas delivery

Contact Phone Number

Call Foremost 24-Hour Roadside Assistance at 1 (800) 554-6678.