American National Auto Insurance

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Looking to learn about American National Insurance? We’ve got you covered. Keep reading to find out about American National's pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like American National.

Best If

  • You want a wide variety of auto/other insurance options, such as boat insurance

Worst If

  • 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

By The Numbers

  • American National is licensed to operate in all 50 states except New York. American National Life Insurance Company of New York (a subsidiary of American National), conducts business there
  • 3,000+ employees across six offices nationwide
  • 5,000,000+ policyholders


    • Gave American National 3 out of 5 stars
    • Raved about the company’s helpful customer service portal on their website
    • Criticized the company’s lack of detail on their product descriptions on their website
    • Gave American National 3.5 out of 5 stars
    • Many consumers raved about how easy ANICO is to work with and settle a claim
    • However, some consumers criticized the company's website because it is seemingly difficult to navigate and find relevant information
  • Better Business Bureau
    • Gave American National an A+ rating, though it is not BBB accredited
    • The company's length of time in business as well as lack of complaints field with BBB contributed to its score

What Does a Policy Cost?

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

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data
Year Total Complaints Percent Change
2016 1 +100%
2015 0
2014 1 +100%
2013 0 --
Source: National Association of Insurance Commissioners
U.S. Auto Insurance Shopping Study (2019)
Overall Purchase Experience
Policy Offerings
Local Agent
Call Center Representative
Insurer Website
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction
First Notice of Loss
Service Interaction
Repair Process
Rental Car Experience
Source: J.D. Power

Financial Ratings


A.M. Best

Excellent; third-highest possible






Strong; still somewhat susceptible; third-highest possible

Typical Discounts

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.

Roadside Assistance

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). 

Mobile Apps

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.


William L. Moody Jr. founded American National Insurance Company in 1905. Moody wanted to create a company with the core values of “strong management, prudent investment, and financial strength.” It now offers a wide range of insurance policies including life, accident, and health. It also offers pension plans and credit insurance. Its headquarters are in Galveston, Texas.

American National Property and Casualty Company (ANPAC) was incorporated in 1973. It provides various property and casualty coverage policies. The ANPAC office is in Springfield, Missouri.

Claims Process

File a claim with American National.

Claims can be filed 24 hours a day, 7 days a week to a toll-free number.

Contact your local agent or call the property and casualty service center at (417) 887-0220.

Claims Office Phone: 1 (800) 333-2860

Contact Information

Claims Site
Customer Service Site

Mailing Address:
One Moody Plaza
1 Moody Ave
Galveston, TX 77550

Mailing Address (ANPAC):
American National Center
1949 E. Sunshine
Springfield, MO 65899-0001

Customer Service Phone Number: 1 (800) 899-6806