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Auto Insurance


Coverage for what drives you

There's no reason to pay for insurance coverage you don't need or want.

Choosing the right insurance is critical, so you’re smart to choose American National. That’s why we offer many different deductible and endorsement options. Your local agent can help you find the right combination of coverage to protect what you care about most, putting time back on your schedule and money back in your pocket.

Our network of exceptional agents provides outstanding personal service to our clients. Your local agent can help you make a well-informed decision about your insurance based on more than the quickest quote or the cheapest price. They will work to help you feel confident you are getting the best protection for what you care about most.

Plus, no matter what type of covered loss you may face, you can be confident you’ll always have someone you can trust to help get you back on your feet.

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.

$20/day up to $600 (higher limits available) for car rental coverage.

Common cause of loss

If both your vehicle and your home are insured with American National, our Common Cause of Loss policy feature only requires you 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.

Here are just a couple of the savings opportunities we offer:

Fresh Start Discount®

If you apply for an American National auto policy before your current one expires, we’ll reward you with a discount on your first six months of coverage.

Association  Discount

If you are a member of certain national and local auto clubs, you can get a 10% discount on your premiums. Check with a local agent for a list of qualifying clubs and associations.


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*.

*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 an American National company, 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 to get a free quote.