Compare American National vs. USAA Insurance

American National and USAA are two top companies in the world of insurance. American National was founded in 1905, and USAA was founded in 1922. While USAA offers excellent coverage benefits, a wide range of discounts, and has one of the highest customer satisfaction ratings in the auto industry, American National is well-liked for its helpful customer service portal and flexible claims services. The latter has an A+ rating from the Better Business Bureau, and decent financial strength ratings, though its website could improve its product information and be easier to navigate. Meanwhile, USAA has superior ratings all across the board, its only downside is that it serves only military personnel and their immediate families. 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 USAA
Best If American National
  • You want a wide variety of auto/other insurance options, such as boat insurance
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
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
USAA
  • You are not in the military, and do not have a parent who served

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Comparing quotes is the best way to get the lowest rates from top insurers like American National and USAA. 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 USAA
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.

USAA

Standard Car Insurance Discounts

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

Consumer Complaint Data

American National Auto Insurance USAA Car Insurance
2016 1 245
2015 0 415
2014 1 380
2013 0 270

U.S. Auto Insurance Shopping Study (2016)

American National Auto Insurance USAA Car Insurance
Overall Purchase Experience Among the best
Policy Offerings Among the best
Pricing Among the best
Local Agent --
Call Center Representative Among the best
Insurer Website Among the best

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

American National Auto Insurance USAA Car Insurance
Overall Satisfaction Among the best
First Notice of Loss Among the best
Service Interaction Average
Appraisal Among the best
Repair Process Above average
Rental Car Experience Among the best
Settlement Among the best

Financial Strength Ratings

American National Auto Insurance USAA Car Insurance
A.M. Best A A++
Moody's -- Aaa
S&P's A AA+

Mobile Apps

American National USAA
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.

USAA

The USAA Mobile App lets you manage your insurance policies quickly and easily from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the USAA mobile app here

Roadside Assistance

American National USAA
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). 

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

1 (866) 375—5374.