Compare American National vs. MetLife Insurance

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American National and MetLife are two of the most well-known competitors in the insurance world. MetLife was founded in 1863, and American National was founded in 1905. MetLife is great if you are looking for helpful and knowledgeable representatives, while American National is great if you are looking for a variety of insurance options. On the flip side, American National’s website can be difficult to navigate, and MetLife doesn’t provide a lot of driver discounts. Nonetheless, both companies have excellent financial strength. 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 MetLife
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
MetLife
  • You want helpful, knowledgeable representatives
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
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

American National MetLife
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.

MetLife

The Deductible Savings Benefit can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free for five years.

Standard Car Insurance Discounts

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

Consumer Complaint Data

American National Car Insurance MetLife Insurance
2016 1 181
2015 0 333
2014 1 305
2013 0 323

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

American National MetLife
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.

MetLife

MetLife US App lets you securely access your account in order to report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

American National MetLife
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). 

MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.