American National Insurance Review: JD Power Ratings, AM Best Financial Strength Ratings, & Complaint Record

American National Property & Casualty Insurance Company is a national auto & home insurance company selling coverage through local American National insurance agents, and is available in most states (Connecticut, Hawaii, Massachusetts, and New York do not seem to be among them). This American National Insurance review will include the financial strength ratings, customer satisfaction ratings in the JD Power home & auto insurance studies, and the home & auto insurance complaints over the last six years, and lets you know if American National has a better than average, average, or worse than average complaint record.

The information in this review can help you decide if American National is a good company to insure your cars or home. The smart insurance buyer shops for the best combination of coverage, price, and service, so be sure to use the ad below this paragraph (or the ad at the end of this review) to get price quotes from multiple insurance companies to find the best insurance company for you.

I revise or write new auto, home, & life insurance company reviews with the latest data throughout the year. Bookmark this page or my website homepage, so you can keep up with information about American National and other insurance companies.

The detailed information in this review compares American National auto & home insurance to the industry average and competing companies for customer service, claims processing performance, customer complaints, financial strength, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see at a glance if American National consistently performs better than average, average, or worse than average for customer service, complaints, claims, and pricing, and compare American National to over 40 other U.S. auto & home insurance companies.


American National Auto & Home Insurance Review

This American National Insurance review is divided into four sections, considering its: 1. AM Best Financial Strength Rating; 2. JD Power insurance study ratings; 3. auto & home insurance complaint records, and 4. a review summary.

1. AM Best Financial Strength Rating for the American National insurance companies insuring cars & homes

All but one of the American National property & casualty insurance companies had their A (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) reaffirmed on 09/04/2015, a rating grade which they have maintained since 2011 or longer. The grade of “A” is the third highest rating for AM Best.

One subsidiary, ANPAC Louisiana Insurance Company, was also reaffirmed on 9/4/2015 for its A- (Excellent) AM Best Financial Strength Rating, with a stable outlook (no ratings upgrade or downgrade is expected in the near future). A- is the fourth highest rating for AM Best. ANPAC Louisiana Insurance Company has maintained the “A-” rating since 2011 or longer. I become concerned with any automobile or homeowners insurance company or subsidiary with less than an A- rating for financial strength from AM Best.

2. American National Insurance JD Power Ratings Analysis for 2009, 2010, 2011, 2012, 2013, 2014, & 2015

American National has not had published rating results in any JD Power study, since it was included in the 2010 JD Power US National Home Insurance Customer Satisfaction study, where it was rated four power circles (better than most). Although a better than average rating is good, survey results from almost four years ago cannot be considered reliable today. American National is not among the largest 10 auto insurance companies in any state, nor among the top twenty auto insurance companies with the most market share nationally, so its no surprise its not included in the JD Power insurance studies. After all, there are hundreds of companies insuring autos across the USA, and its not unusual for JD Power to not include the ratings of some companies, because a too small number of customers surveyed were insured with them.

You can conclude an insurance company not rated by JD Power is a smaller insurance company, but you cannot conclude an insurance company not rated by JD Power is not a good insurance company for you. I used to be insured by a small auto insurance company, not rated by JD Power, with great coverage, great service, and a great price for me. Now that JD Power conducts regional studies, Wawanesa Insurance, a small insurance company operating in California and Oregon, has had the highest JD Power rating for the last two years. But prior to three years ago, Wawanesa was not included in any JD Power study. Wawanesa did not suddenly start providing better than average customer satisfaction because it was finally included in a JD Power study.

It helps for a company to be included in JD Power insurance studies, so you have another tool to measure its customer service, but you can use my company complaint ratings in the next section below to help you decide if American National is best for you. Choosing an insurance company is ultimately a subjective decision, but I’ll summarize my thoughts about American National, and what I know about the company, to help you decide if this company may be a good choice for you.

3. American National Insurance companies Auto & Home Insurance Complaint Statistics & Ratings

A good measure of quality for the claims handling of an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. This review will show you if American National has a better than average, average, or below average complaint record for 2009, 2010, 2011, 2012, 2013 & 2014. I revise or write new auto, home, & life insurance company reviews with the latest data throughout the year. Bookmark this page (or place it in your favorites) or my website homepage, so you can keep updated about your insurance company and its competitors, when you need information about auto, home, or life insurance.

The auto & home insurance (including homeowners, condominium-owners, and renters) complaint statistics for the American National (ANPAC) companies listed below were calculated by the NAIC, and display the ratio of each company’s U.S. Market Share of closed complaints compared to its U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an insurance company with complaint ratios much less than 1.00 each year, over the last three years. Most insurance companies have several subsidiary companies selling auto & home insurance, sometimes operating in the same states.

So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if an American National subsidiary has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

American National has several subsidiary companies under the American National brand, insuring personal use vehicles and/or homes in the USA. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing, or operate in a certain US state or states. Different subsidiaries can be used to offer specific pricing for certain market segments, such as drivers with lower or higher risk expectations (for example, drivers with a clean driving record vs. drivers with tickets and accidents), or for certain occupations or affiliations. American National has specific auto & home insurance subsidiaries for the states of California, Louisiana, & Texas.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $100,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints (“W” or “C-” rating), or with inconsistent complaint records, unless there are mitigating factors, such as small market share.

I. American National Auto Insurance Customer Complaints

American National has five subsidiary companies selling auto insurance in the USA. American National has specific auto insurance subsidiaries for CA, LA, & TX.

American National Property & Casualty Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C (.96)

2014 US auto insurance premium = $249,466,454

2013 Auto Insurance Complaint Ratio = B (.62)

2013 US auto insurance premium = $244,104,110

2012 Auto Insurance Complaint Ratio = C+ (.83)

2012 US auto insurance premium = $245,882,670

2011 Auto Insurance Complaint Ratio = C+ (.83)

2011 US auto insurance premium = $258,489,738

2010 Auto Insurance Complaint Ratio = C (1.04)

2010 US auto insurance premium = $285,179,303

2009 Auto Insurance Complaint Ratio = C+ (.83)

American National Property & Casualty Company is the largest American National subsidiary insuring private passenger vehicles in the US, and operates in most states, except CT, HI, MA, & NY. American National Property & Casualty Company has maintained an auto insurance complaint record close to the industry average in 2009, 2010, 2011, 2012 & 2014. I’d consider this subsidiary’s auto insurance complaint record about average until it shows a trend of lower complaint ratios similar to 2013. The auto insurance market share for American National Property & Casualty Company has been flat since 2012 after decreasing for a few years, which may be a sign its auto insurance rates are not competitive, compared to some other auto insurance companies.

American National General Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $24,970,952

2013 Auto Insurance Complaint Ratio = B (.37)

2013 US auto insurance premium = $28,923,845

2012 Auto Insurance Complaint Ratio = B (.72)

2012 US auto insurance premium = $37,046,676

2011 Auto Insurance Complaint Ratio = W (1.29)

2011 US auto insurance premium = $46,403,226

2010 Auto Insurance Complaint Ratio = B (.20)

2010 US auto insurance premium = $41,733,311

2009 Auto Insurance Complaint Ratio = B (0) (No complaints)

American National General Insurance Company is a much smaller American National subsidiary, with about 15% the private passenger vehicle insurance market size of the larger, American National Property & Casualty Company subsidiary shown above. American National General Insurance Company operates in most US states, though not as many states as American National Property & Casualty Company. Why does American National have this second subsidiary company insuring homes and autos in most states? I can only speculate, but American National is known for its package policy, insuring a customer’s autos & home under one policy. I suspect the larger subsidiary offers the package policy, and American National General Insurance Company might be for customers insuring only their home, or only their private passenger vehicles with American National, or possibly it’s for customers not qualifying for the larger subsidiary. Another possibility is American National General Insurance Company is for insuring motorcycles or recreational vehicles. Regardless of its purpose, American National General Insurance Company has had a lower number of complaints than the industry average in most years, with the notable exception of 2011, when it number of auto insurance complaints was 29% more than the industry average.

ANPAC Louisiana Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $27,870,565

2013 Auto Insurance Complaint Ratio = C- (1.17)

2013 US auto insurance premium = $27,720,038

2012 Auto Insurance Complaint Ratio = C+ (.91)

2012 US auto insurance premium = $29,226,307

2011 Auto Insurance Complaint Ratio = B (.27)

2011 US auto insurance premium = $31,741,154

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $33,842,372

2009 Auto Insurance Complaint Ratio = B (.51)

ANPAC Louisiana Insurance Company is the American National subsidiary insuring autos in the state of Louisiana only. ANPAC Louisiana Insurance Company had an auto insurance complaint ratio that was 17% above the industry average in 2013. However, a small number of complaints can have a big impact on the complaint ratios of smaller subsidiary companies, like ANPAC Louisiana Insurance Company, making it harder for them to consistently have very low complaint ratios. For example, ANPAC Louisiana Insurance Company had 3 auto insurance complaints in 2013, resulting in the 1.17 complaint ratio, but it had only 2 complaints less (1 auto insurance complaint) in 2011, giving it the much better complaint ratio of .27 for 2011. Unless there will be more years like 2013 in the future, I’d consider the auto insurance complaint history for ANPAC Louisiana Insurance Company as about average at this time. Louisiana auto insurance market share has remained flat for this company over the last two years, which may be a sign ANPAC Louisiana Insurance Company does not have competitive auto insurance rates.

Pacific Property & Casualty Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (0) (No complaints)

2014 US auto insurance premium = $21,156,101

2013 Auto Insurance Complaint Ratio = C- (1.10)

2013 US auto insurance premium = $19,562,302

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $18,465,628

2011 Auto Insurance Complaint Ratio = C (.97)

2011 US auto insurance premium = $17,660,783

2010 Auto Insurance Complaint Ratio = B (0) (No complaints)

2010 US auto insurance premium = $16,794,713

2009 Auto Insurance Complaint Ratio = B (.51)

Pacific Property & Casualty Company is the American National subsidiary insuring autos in the state of California only. Pacific Property & Casualty Company has had an inconsistent auto insurance complaint history over the last six years. In its worst year, its number of complaints was 10% more than the industry average. However, a small number of complaints can have a big impact on the complaint ratios of smaller subsidiary companies, like Pacific Property & Casualty Company, making it harder for them to consistently have very low complaint ratios.

For example, Pacific Property & Casualty Company had 2 auto insurance complaints in 2013, resulting in the 1.10 complaint ratio, but it had only 2 complaints less (No auto insurance complaints) in 2014, giving it the best possible complaint ratio of 0.00 for 2014. I’d consider the auto insurance complaint history for Pacific Property & Casualty Company as about average at this time. Although Pacific Property & Casualty Company has a small share of the California auto insurance market and has been growing only slightly each year since 2010, which may mean it is not competing by having low auto insurance rates in CA.

American National County Mutual Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.42)

2014 US auto insurance premium = $24,842,347

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $25,190,246

2012 Auto Insurance Complaint Ratio = B (.33)

2012 US auto insurance premium = $27,352,147

2011 Auto Insurance Complaint Ratio = B (.28)

2011 US auto insurance premium = $30,583,273

2010 Auto Insurance Complaint Ratio = B (.26)

2010 US auto insurance premium = $32,259,331

2009 Auto Insurance Complaint Ratio = C+ (.75)

American National County Mutual Insurance Company is the American National subsidiary insuring autos in the state of Texas only. American National County Mutual Insurance Company has had an auto insurance complaint ratio lower than the industry average each year since 2009. In its worst year, its number of complaints was 75% of the industry average. I’d consider the auto insurance complaint history for American National County Mutual Insurance Company as better than average at this time. The Texas auto insurance market share for American National County Mutual Insurance Company decreased each year since 2009, which may be a sign it does not have competitive auto insurance rates.

II. American National Homeowners Insurance Customer Complaints

American National has five subsidiary companies selling residential property (home, renters, & condo) insurance in the USA. American National has specific home insurance subsidiaries for CA, LA, & TX.

American National Property & Casualty Company Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C+ (.84)

2014 US home insurance premium = $161,553,820

2013 Home Insurance Complaint Ratio = C- (1.12)

2013 US home insurance premium = $157,762,541

2012 Home Insurance Complaint Ratio = W (1.92)

2012 US home insurance premium = $151,017,038

2011 Home Insurance Complaint Ratio = C- (1.16)

2011 US home insurance premium = $148,675,646

2010 Home Insurance Complaint Ratio = C+ (.90)

2010 US home insurance premium = $152,251,664

2009 Home Insurance Complaint Ratio = C- (1.16)

American National Property & Casualty Company is the largest American National subsidiary insuring residential property in the US, and operates in most states, except CT, HI, MA, & NY. American National Property & Casualty Company has maintained a home insurance complaint record slightly higher than the industry average in four of the last six years. Given its poor performance in 2012, and slightly greater than average complaint ratios in three out of the other five years, I’d consider the complaint history for this subsidiary as worse than average. American National Property & Casualty Company has increased its US home insurance market share each year since 2011, which may be a sign of competitive home insurance rates.

American National General Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $10,890,933

2013 Home Insurance Complaint Ratio = W (1.79)

2013 US home insurance premium = $12,334,391

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $14,128,871

2011 Home Insurance Complaint Ratio = C (1.00)

2011 US home insurance premium = $16,401,436

2010 Home Insurance Complaint Ratio = C- (1.24)

2010 US home insurance premium = $14,668,725

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

American National General Insurance Company is a much smaller American National subsidiary, with less than 10% the home insurance market size of the larger, American National Property & Casualty Company subsidiary shown above. American National General Insurance Company operates in most US states, though not as many states as American National Property & Casualty Company. Why does American National have this second subsidiary company insuring homes & cars in most states? I can only speculate, but American National is known for its package policy, insuring a customer’s autos & home under one policy. I suspect the larger subsidiary offers the package policy, and American National General Insurance Company might be for customers insuring only their home, or only their private passenger vehicles with American National, or possibly it’s for customers not qualifying for the larger subsidiary.

Regardless of its purpose, American National General Insurance Company has had a home insurance complaint ratio lower than the industry average in three of the last six years, where it had no home insurance complaints. In its worst year, its number of complaints was 79% more than the industry average. However, a small number of complaints can have a big impact on the complaint ratios of smaller subsidiary companies, like American National General Insurance Company, making it harder for them to consistently have very low complaint ratios. For example, American National General Insurance Company had 2 home insurance complaints in 2013, resulting in the 1.79 complaint ratio. This subsidiary also had 2 complaints in 2011, but with a 2011 complaint ratio of 1.00, due its larger market share.

American National Lloyd’s Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.48)

2014 US home insurance premium = $18,980,914

2013 Home Insurance Complaint Ratio = B (.60)

2013 US home insurance premium = $18,453,880

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $18,833,604

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $19,786,719

2010 Home Insurance Complaint Ratio = B (0) (No complaints)

2010 US home insurance premium = $21,235,922

2009 Home Insurance Complaint Ratio = B (.38)

American National Lloyd’s Insurance Company is the American National subsidiary insuring homes in the state of Texas only. American National Lloyd’s Insurance Company has had an home insurance complaint ratio lower than the industry average since 2009, with no home insurance complaints in three of the last six years. In its worst year, its number of home insurance complaints was 60% of the industry average. I’d consider the home insurance complaint history for American National Lloyd’s Insurance Company as much better than average at this time. The Texas home insurance market share for American National Lloyd’s Insurance Company has remained flat over the last three years, which may be a sign it does not have competitive home insurance rates.

ANPAC Louisiana Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $23,969,088

2013 Home Insurance Complaint Ratio = C+ (.92)

2013 US home insurance premium = $24,020,617

2012 Home Insurance Complaint Ratio = B (.35)

2012 US home insurance premium = $23,328,535

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $24,026,885

2010 Home Insurance Complaint Ratio = C+ (.79)

2010 US home insurance premium = $23,069,708

2009 Home Insurance Complaint Ratio = B (.36)

ANPAC Louisiana Insurance Company is the American National subsidiary insuring homes in the state of Louisiana only. ANPAC Louisiana Insurance Company has had an home insurance complaint ratio lower than the industry average each year since 2009. In its worst year, its number of complaints were 92% of the industry average. The home insurance market share in Louisiana for ANPAC Louisiana Insurance Company has been flat over the last five years, which may mean ANPAC Louisiana Insurance Company does not have competitive home insurance rates.

Pacific Property & Casualty Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C+ (.84)

2014 US home insurance premium = $10,849,618

2013 Home Insurance Complaint Ratio = C- (1.09)

2013 US home insurance premium = $10,088,156

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $9,408,155

2011 Home Insurance Complaint Ratio = C+ (.90)

2011 US home insurance premium = $9,127,266

2010 Home Insurance Complaint Ratio = B (0) (No complaints)

2010 US home insurance premium = $8,023,834

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

Pacific Property & Casualty Company is the American National subsidiary insuring homes in the state of California only. Pacific Property & Casualty Company has had a home insurance complaint ratio lower than the industry average in all but one of the last six years. In 2013, its number of complaints was 9% more than the industry average.

However, a small number of complaints can have a big impact on the complaint ratios of smaller subsidiary companies, like Pacific Property & Casualty Company, making it harder for them to consistently have very low complaint ratios.

For example, Pacific Property & Casualty Company had only 1 home insurance complaint in 2013 (and only one each year for 2011 and 2014 as well), resulting in the 1.09 complaint ratio, but it had no home insurance complaints in the several other years during the 2009 to 2014 period. I’d consider the home insurance complaint history for Pacific Property & Casualty Company as about average at this time. Although Pacific Property & Casualty Company has a very small share of the California home insurance market which has grown only slightly each year since 2009, which may mean its not competing by having low home insurance rates in CA.

Review Summary for American National Auto & Home Insurance

American National is a smaller national insurance company unknown to many insurance consumers. Unlike State Farm & Allstate, American National storefront agencies are much fewer in number, and many people will never run across their advertising, either in the media, or simply by seeing an agency sign while driving down the road. Many people shopping for auto & home insurance do not get price quotes from American National, because they are unaware of the company. Are they missing out on a great company? Should you seek out American National, to quote your home & auto insurance?

The number of auto insurance complaints for the largest subsidiaries of American National in recent years are about average. The number of homeowners insurance complaints for the largest subsidiaries of American National in recent years are higher than average. The statistics in this review do not make a compelling case for American National providing superior customer service in most states. If you choose American National, the choice of your agent may make the difference between average service & above average service. A good agent can make insuring with a company with average service a much better experience. See how American National compares to other major auto & home insurance companies, like State Farm, Allstate, Nationwide, GEICO, & Progressive at my website’s home page: smartshopyourcarinsurance.com.

If you are a middle class or upper middle class home owner & car owner, and the drivers in your household have a clean driving record, you may want to consider American National, because the company targets their rates for this type of customer, and has coverage features not offered by some other companies. However, be careful of the CA$HBACK FROM ANPAC® program. With this program, after being insured for three years, and you remain claim free for your auto & home insurance policy, you can get 25% of your premium paid back to you (Please refer to the ANPAC website for a more complete description of this program). Although this program sounds attractive, if you can get the same auto & home insurance coverage from an equally good or better insurance company for a lower price, you can often save more money by paying less for your coverage, than through any cash back program. You can find American National agents closest to you, request an auto insurance quote online, and find out more about coverage options, like the Common Cause of Loss Deductible, Automatic Rental Car Coverage, special rates for drivers age 45 and over, and the TLC Tri-Line Coverage Discount From ANPAC, at the American National P&C website.

Using JD Power ratings & my complaint ratings in my reviews to choose an insurance company, can help you increase the odds you will experience acceptable service, but there can never be a guarantee of adequate service. You can have a terrible experience with any insurance company, and as careful as you may be selecting an insurance company, you may feel you made the wrong choice after you have a claim. Some companies keep most of their customers happy, but most companies keep a majority of their customers happy. This is why I consider price and coverage so important, when choosing an auto or home insurance company, if you eliminate those companies most likely to provide an unacceptable level of service. Consider my insurance company reviews, as well as your personal needs, when getting auto & home insurance quotes, and weigh the combination of coverage, price, & service offered by each company, to make the best choice for you.

It really pays to shop with all the leading auto and/or home insurance companies in your state. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

What do you think of American National auto & home insurance? Did you find this review useful? Tell me your thoughts. Comment on my facebook page. If you have questions & would like my help, contact me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.