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Car Insurance with American National

Auto Insurance

Coverage for what drives you

Choosing the right auto insurance is critical, that’s why we offer many different deductible and endorsement options. Your local agent can help you make a well-informed decision about your car insurance policy based on more than the quickest quote or the cheapest price. They will work hard to help you feel confident you are getting the best protection for you and your family.

Here are some of the features and options that set our auto insurance apart:

Car rental coverage

Car rental coverage is included at no additional charge if you purchase comprehensive and/or collision coverage. $25/day up to $750 (higher limits available) for car rental coverage.

Common cause of loss

If both your vehicle and your home are insured with American National, you are only required to pay one deductible if multiple items are damaged or destroyed in a single event.

Collision waiver

If you’re involved in an accident with another vehicle insured by an American National company, we will discount or completely waive your collision deductible.

Customized equipment

For vehicles with comprehensive and/or collision coverage, American National covers up to $2,000 of customized equipment added to your vehicle as an aftermarket part, and additional coverage can be added.


ROADSIDE ASSISTANCE – Roadside assistance coverage can be added to your auto policy for a reasonable price, and the service is available 24 hours a day, 7 days a week and 365 days a year.

GAP – The optional GAP endorsement will pay for the difference between your loan balance and the current value, up to $10,000, of your covered vehicle if it’s totaled in an accident.

ACE – If your vehicle is less than a year old and has been driven 15,000 miles or less, our ACE endorsement will replace it with a comparable one if damage caused by an accident is greater than 25% of the original vehicle cost. Alternatively, it will cover original equipment manufacturer (OEM) parts if your vehicle can be repaired.

American National also offers multiple insurance discounts and opportunities to save including:


If you insure both your vehicle and your home with American National and remain claim free for three consecutive years, we’ll send you a check totaling 25% of the eligible home and auto premiums you paid three years prior. You’ll receive a check each year thereafter that you remain claim free*. Learn More

*American National reserves the right to discontinue the CashbackSM program at any time. CashbackSM is not available in all states. Homeowner premiums used to calculate CashbackSM reward do not include earthquake, equipment breakdown, service line coverage and Identity Theft Protection endorsement premiums. Claim free means no paid claims of any type, other than automobile towing and labor claims, homeowner earthquake, equipment breakdown, service line coverage and/or stolen identity claims.

Three Line Discount

When you insure your vehicle, home and life with American National, you’ll save additional money on your auto and home premiums with our Three Line Discount.

Reach out to an agent today to learn more about the benefits of American National auto insurance and get a free quote. We also offer commercial auto insurance and collector car insurance.

Go Paperless

Go Paperless1 with your Auto policy documents today and avoid more paper cluttering up your life.

When you enroll in paperless you’ll be able to access your policy documents online whenever and wherever you need them.

Going paperless with your policy is easy, log into your account and look for the ‘Paperless Enrollment’ link (you may need to register if you haven’t already). To learn more about going paperless with your American National policy visit our Paperless FAQ page.

1Not available in CT, MA, ME, NH, NJ, RI, VT or NY