American National Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's American National Score
3 Stars
American National Insurance was founded in 1905. Not only does American National offer a wide variety of coverage options for both individuals and businesses, but its reach extends nationwide with products available in all 50 states and Puerto Rico.
AM Best, the leading global credit rating agency monitoring the insurance industry, gives American National an “A” rating, indicating the carrier is an excellent choice for insurance customers. A high rating from AM Best assures customers that American National is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.
The carrier is not rated by the Better Business Bureau (BBB).
We award American National a final rating of 3 out of 5 stars. The carrier’s long-standing history in the insurance industry is certainly noteworthy and respectable, as is its high rating from AM Best. However, the carrier is not currently BBB accredited, nor is it rated through the organization, and they’ve had a concerning number of customer complaints filed against them in recent years.
American National's website is simple and easy to navigate, but the information provided about its products is minimal. The company offers 24/7 claims reporting for customers, but does not provide a claims response timeframe promise. Our biggest concern with this carrier is that customer reviews are mixed across the board. While there are a few glowing reports of excellent service, there are an equal number of complaints about claims not being acknowledged or approved.
The bottom line: American National offers a wide variety of coverage options across the country, so it may have exactly what you’re looking for. However, if strong customer service is important to you, we’re not entirely convinced this carrier is capable of providing that from the feedback we’ve seen.
An independent insurance agent can help you decide if American National is a good fit for you.
American National Pros and Cons
Consider the following pros and cons for American National before picking it as your insurance carrier.
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To find business or personal insurance in your state, use our national insurance company directory to find the best company to meet your needs.
American National Products
American National offers a wide range of insurance options for both individuals and businesses. The carrier's products include:
- Life insurance
- Business insurance
- Health insurance
- Auto insurance
- Homeowners insurance
- Renters insurance
- Collector car insurance
- Farm & ranch insurance
- Motorcycle insurance
- RV insurance
- Boat and watercraft insurance
- Snowmobile insurance
- Golf cart insurance
- Annuities
This list of insurance products offered by American National is not exhaustive. The carrier offers a wide variety of coverage solutions for both businesses and individuals.
What Discounts Does American National Offer?
American National notes a few discounts on its collector car insurance policies, including:
- Fresh start discount: This is offered to customers who apply for a new insurance policy before their current policy expires.
- Three line discount: This is offered to customers who purchase auto, home, and life insurance with American National.
- Collector’s discount: This is offered to customers who insure multiple vehicles with American National.
An independent insurance agent can help you find the best ways to save with American National.
American National Customer Service
American National allows home and auto insurance customers to file claims over the phone or online, any time of the week.
- 24/7 claim reporting by phone for all products
- Email contact options available
- Fax contact options available
Bill pay and policy service hotline has the following hours restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 7:00 am - 8:00 pm | ||
| Saturday | 7:00 am - 7:00 pm | ||
| Sunday | 9:00 am - 7:00 pm |
American National sells insurance through a wide network of independent insurance agents. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.
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American National FAQs
While American National offers a 24/7 claims reporting service, its website does not provide a claims response time frame promise.
American National offers two separate phone lines for customer service/bill issues and claims filing. Its claims hotline is available for customers 24/7, and its customer service hotline has quite generous hours every day of the week. The carrier also has a social media presence on Facebook, X, YouTube, Instagram, and LinkedIn, making it even more accessible to customers.
American National does not outline a claims process for any of its products. The carrier provides a 24/7 phone line for claims, as well as email contacts for tracking claims that are in progress.
American National’s website feels a little restrictive compared to many other modern carriers’ websites, however most information can be found fairly easily. Customers can request quotes, get matched with an insurance agent, file claims, and more right through the website. American National also has a social media presence on multiple platforms. The carrier provides a mobile app for smartphone users as well.
https://www.americannational.com/home
https://www.bbb.org/us/mo/saint-charles/profile/insurance-companies/american-national-insurance-0734-110000062