American National earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Founded in 1905 and based in Galveston, Texas, American National might be a good choice for someone looking to bundle their insurance policies. The company operates in all 50 states and offers a wide variety of products, including auto, home, life and renters insurance.

» MORE: The best car insurance companies

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

In addition to the usual car insurance coverage options like roadside assistance, American National Insurance sells:

• Gap insurance, which pays the difference between the actual cash value of your car and the amount you owe on your car loan if your vehicle is totaled or stolen. You must have comprehensive and collision coverage to buy gap insurance.

• ACE insurance, which stands for “added coverage endorsement,” and is used when you need to replace parts on a damaged vehicle.

Auto insurance policies from American National include these perks, though they may not be available in all states:

• Cash-back program. If you have both auto and home policies, you can earn a percentage of your premiums back by remaining claim-free for three years.

• Single deductible. If your auto and home are damaged in the same incident, and you’ve insured both with American National, you’ll pay just one deductible.

• Discounted or no deductible. If you’re in a car accident with another American National customer, you may pay a lower deductible or none at all.

If you buy comprehensive and collision insurance, benefits include:

• Up to $2,000 worth of customized equipment coverage.

• Rental car reimbursement.

Auto insurance discounts

You can save on your auto insurance if you bundle it with home and life insurance policies from American National.

American National home insurance coverage

American National offers standard homeowners insurance coverage, including coverage for the structure of your house and loss of use coverage in case you need to relocate after your home is damaged. You can add identity theft protection to cover expenses associated with fraud. Policies are also available for condo owners.

» MORE: The best homeowners insurance companies

Home insurance discounts

A multiple-policy discount is available if you bundle your home, life and auto insurance. You may also qualify for cash back if you’re claim-free for three years.

American National life insurance coverage

The company offers four types of permanent life insurance: whole, universal, indexed universal and guaranteed universal.

» MORE: The best life insurance companies

Complaints

American National had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about American National insurance

Website: American National’s website lets you get a quote, report a claim and make a payment, but doesn’t offer much information about auto or home insurance discounts.

Mobile app: You can use the American National app on Apple or Android devices to view your policy, make a payment or report a claim. You can also access your ID card and request roadside assistance.

Other insurance from American National

American National also sells the following types of policies:

• Classic car.

• Business.

• Renters.

• Health.

• Farm and ranch.

• Motorcycle.

• Off-road vehicle.

• Recreational vehicle.

• Boat and watercraft.