American National car insurance is still sold, still cheap, and still rated A (Excellent) by AM Best. But the company around it has been taken apart and rebuilt. Brookfield bought American National for $5.1 billion in 2022. It stopped writing new life insurance in 2025. It is exiting homeowners. And on October 1, 2025, it moved every property and casualty subsidiary, including the one that writes your car policy, out of American National Group and into a different Brookfield company now called Clearbrook. Auto is one of the last personal lines left standing. The 24-hour claims line is 800-333-2860.
American National Car Insurance: Key Facts at a Glance
| Detail | What we found |
|---|---|
| Founded | 1905 by William Lewis Moody Jr. in Galveston, Texas |
| Headquarters | One Moody Plaza, Galveston, Texas |
| Owner | Brookfield, which acquired it for $5.1 billion in May 2022 |
| Who writes the car policy now | American National Property and Casualty Company, moved to Clearbrook on October 1, 2025 |
| AM Best rating | A (Excellent) |
| J.D. Power | Not included in its major studies |
| NAIC complaint index, all lines | About 2.72, roughly three times average |
| NAIC complaint index, private passenger auto | About 0.75, better than average |
| Claims line | 800-333-2860, 24 hours a day, 7 days a week |
| Auto policy service and billing | 800-899-6519 |
| Online quotes? | No. Agent only. |
What Happened to American National Insurance Company?
This is the most-asked question about this company, and it deserves a real answer rather than a shrug. Quite a lot has happened, and most of it in the last two years.
August 2021. Brookfield announced it would buy American National Group for $5.1 billion, at $190 per share, in an all-cash deal.
May 2022. The acquisition closed. American National went private, which is why detailed financial disclosure got thinner from that point.
Since 2022. The company began exiting the homeowners market.
May 2025. American National stopped writing new life insurance. The application cutoff was May 31, 2025, with business to be placed by July 31, 2025. In its own words, the company said it would focus on growing annuity, pension risk transfer and property and casualty lines, and would continue to fully service all in-force life policies without interruption.
Sheryl Moore, a long-standing life insurance industry analyst, was not surprised. She told InsuranceNewsNet that the writing was on the wall once Brookfield Reinsurance acquired the company, because the combination of an insurer, a reinsurer and an asset manager tends to prefer focusing on indexed annuities.
October 1, 2025. This is the big one. American National Group transferred all of its property and casualty subsidiaries to Argo Group International Holdings, which was then renamed Clearbrook Group Holdings Inc. That includes American National Property and Casualty Company, the entity that actually writes your car insurance, along with United Farm Family and Farm Family Casualty.
We are not inferring this. American National Group’s own SEC filing says it completed the transfer, and that the P&C results have been retrospectively adjusted and reported as discontinued operations.
So what does that mean in plain English?
Your car insurance did not disappear. It moved house. Clearbrook and American National Group are both wholly owned by Brookfield, so it is a reorganisation inside one family rather than a sale to strangers. The stated logic was to consolidate all P&C operations onto a single platform.
But it does mean something real. American National Group, the company whose name is on your policy documents, now describes the business that writes your car insurance as a discontinued operation. Its strategic centre of gravity has moved to annuities and pension risk transfer. Life is closed to new business. Homeowners is being exited. Auto is one of the last personal lines still standing.
That does not make the policy bad. It does mean you should know what you are buying: a cheap, agent-sold auto policy from a brand in the middle of being reassembled.
Who Owns American National Insurance?
Brookfield. It acquired American National for $5.1 billion, with the deal closing in May 2022.
The structure now runs like this. Brookfield Wealth Solutions sits at the top. Beneath it are two separate wholly owned subsidiaries: American National Group, which now concentrates on annuities and pension risk transfer, and Clearbrook Group Holdings, formerly Argo Group, which holds the property and casualty companies including your auto insurer.
Before 2022, the Moody family controlled the majority of the stock through the Moody Foundation and the Libby Shearn Moody Trust, going back to founder William Lewis Moody Jr. That era is over.
One thing worth mentioning honestly, because it is in the public record. In 2023, InsuranceNewsNet reported that critics had raised questions about Brookfield’s asset transfers into American National, noting the insurer had booked more than $4.7 billion in Brookfield investments in the four reporting quarters after the acquisition. That is a live debate about private capital ownership of insurers generally, not a finding of wrongdoing, and American National is one of several insurers acquired by asset managers in the same period alongside deals from Blackstone, Apollo and KKR. Worth knowing. Not worth panicking about.
Is American National Car Insurance Good?
Yes, with a caveat that depends entirely on which number you read.
Financial strength is solid. AM Best rates American National A (Excellent), which is the rating that matters most for whether claims get paid. Standard & Poor’s has also rated it A.
It is genuinely cheap. MoneyGeek’s analysis puts American National at roughly 36% below the national average. NerdWallet’s June 2026 rate analysis found it was often cheaper than average in the states where it had data. This is consistently the company’s strongest selling point.
It is not in J.D. Power’s major studies, so the single most-cited customer satisfaction benchmark simply does not cover it. That is a gap, not a criticism.
The independent signals are mixed. The 2025 CRASH Network Insurer Report Card, which rates insurers based on auto body repair shops’ experience of dealing with them, gave American National a C+ and ranked it 54th out of 97. That is below average, though ahead of some much larger names. Trustpilot shows a poor score from a small number of reviews. The Zebra scores it 3.8 out of 5. NerdWallet scores it 3.4 out of 5, docking it mainly for a lack of discounts and a poor digital experience.
The recurring complaint is service consistency. Some policyholders rate their local agent highly. Others describe slow callbacks and delays once a claim is open. That pattern is common for agent-distributed insurers, where your experience depends heavily on which agent you got.
The Complaint Index Problem: Is It 2.72 or 0.75?
Here is where most reviews of this company go wrong, and it is worth two minutes because it will change how you read every insurance review from now on.
Depending on which page you land on, you will be told American National’s NAIC Complaint Index is 0.49, or 0.87, or 2.72. An index of 1.0 is average. So one of those says the company is fine and another says it draws nearly three times the complaints you would expect.
They are all quoting real numbers. They are measuring different things.
The 2.72 is the company-wide index, covering every line American National writes. Filtered to private passenger auto only, the index drops to about 0.75, which is better than average.
So where do the complaints come from? The Zebra’s analysis points at the answer: most complaints relate to hail and property claims, where American National uses independent adjusters rather than in-house staff. That is common for mid-sized carriers, and it is a property problem rather than an auto problem.
NerdWallet reached a similar conclusion from three years of NAIC data, finding American National had fewer than the expected number of auto complaints relative to its size.
The practical lesson: a company-wide complaint index tells you almost nothing about the specific product you are buying. If you are shopping car insurance, look up the private passenger auto index specifically. The NAIC publishes it by line, for free, and it is one of the few genuinely objective tools you have.
Which Insurance Company Denies Most Claims or Has the Most Complaints?
We are not going to crown one, and any page that does is selling you something.
There is no credible, published, industry-wide ranking of which insurer denies the most claims. Denial rates are not reported in a standard way across carriers and lines, and a raw count of complaints just tells you which company is biggest. That is why the NAIC built an index rather than a leaderboard.
Here is what actually exists, and how to use it:
The NAIC Complaint Index. Measures a company’s share of complaints against its share of premium, so size is controlled for. Above 1.0 means more complaints than expected. Crucially, you can filter it by line of business, which as we just saw changes the answer completely. Look it up on your own state’s Department of Insurance site.
AM Best. Financial strength. Whether the company can pay at all.
J.D. Power. Customer satisfaction by region and line, where the carrier is included.
Your state’s Department of Insurance. Publishes complaint data and enforcement actions for carriers licensed in your state, which is the market you actually live in.
CRASH Network Insurer Report Card. An unusual and useful one, because it surveys the body shops that have to deal with insurers on claims.
Use the four together and you get a real picture. Use one number from one blog and you get a headline.
American National Car Insurance Login, Phone Number and Customer Service
American National runs separate lines per product rather than one general number, which is why you see different numbers depending on where you look. These were current at our review date. Verify on americannational.com before anything sensitive.
| What you need | Contact |
|---|---|
| Auto and home claims | 800-333-2860, 24 hours a day, 7 days a week |
| Auto policy service and billing | 800-899-6519 |
| Existing claim questions | claims@americannational.com |
| Customer service email | ServiceCenter@AmericanNational.com |
| Roadside assistance | 800-333-2860, or via the app |
| Headquarters | One Moody Plaza, Galveston, Texas |
The 24-hour number people search for is 800-333-2860. That is the claims hotline and it is genuinely staffed around the clock. General customer service lines run normal business hours, Central Time.
Login and app. You can log in at americannational.com or through the mobile app to view policy information, see your auto ID cards, submit auto and home claims, pay your bill by bank account or card, request roadside assistance, and check your Cashback balance. Reviewers are consistent that the app works but is not the best in the market.
One quirk worth knowing. To track an existing claim you generally have to email claims@americannational.com rather than watch it update in your account. Competitors let you track status directly in the portal. It is a small thing that becomes annoying at exactly the wrong time.
For a full breakdown of every American National line by product, including life and legacy health policies, see our dedicated guide: American National Insurance phone numbers.
Is American National Insurance Cheap? Cost and Discounts
Cheap is the headline, and it is earned.
MoneyGeek puts American National around 36% below the national average. NerdWallet’s June 2026 analysis found it often cheaper than average where data was available. We are not publishing a monthly figure, because American National does not publish rates and every quote is individual. Any number you see on a comparison blog is a modelled average for a driver who is not you.
The discounts are thin, and that matters less than it sounds. American National advertises few discounts, and unusually for a modern insurer, it has no telematics programme. No app tracking your braking for a discount.
That sounds like a negative and often is not. A carrier with a low base rate and no discounts can easily beat a carrier with a high base rate and a wall of discounts. The only number that matters is the final quote. Ask your agent what is available in your state, because discounts vary locally.
American National Car Insurance Coverage and the Perks Worth Knowing
Standard coverage is standard: liability, collision, comprehensive, medical payments, uninsured and underinsured motorist, and personal injury protection where applicable.
The interesting parts are the extras, and a couple are genuinely unusual:
Cashback. If you insure both your car and your home with American National and stay claim-free for three consecutive years, you get a cheque back for a percentage of your premiums, and again each year you stay claim-free. Few carriers do this.
One deductible for two claims. If your home and car are damaged in the same incident, a storm, say, you pay a single deductible rather than one for each. That is a real saving in exactly the situation where you can least afford two.
Deductible waived or reduced if the other driver is also an American National customer. An oddity, and a nice one if you live somewhere the company is popular.
Included with comprehensive and collision: rental car coverage, and up to $2,000 of customised equipment coverage. That last one is worth flagging for anyone with aftermarket parts, since $2,000 is at the better end of what standard carriers include.
Added Coverage Endorsement (ACE) provides extra coverage for replacement parts. Ask your agent what it actually covers on your policy.
Gap coverage is available if you owe more than the car is worth.
What is missing: rideshare coverage and new car replacement, both of which competitors offer.
How to Get an American National Car Insurance Quote
You cannot do it online, and that is a deliberate choice rather than an oversight.
American National sells through local and independent agents only. There is an agent locator on its website where you search by ZIP code. No instant quote, no online purchase.
That cuts both ways. You get a human who can shop your situation and explain what you are buying, which genuinely matters if your circumstances are unusual. You also cannot compare American National against three competitors in ten minutes at midnight, which is how most people actually shop now.
If you want a quote, budget a phone call.
Is Americo a Reputable Company? It Is Not American National
Worth clearing up, because Google keeps pairing these and they are unrelated.
Americo is a different company. It is a separate insurance business, not a division, subsidiary or trading name of American National. Reviews of one tell you nothing about the other. If you are researching a policy, check the exact legal entity name on your paperwork rather than the similar-sounding brand.
While we are here: American National is also not American Family, not Amica, and not American International Group. Four different companies, similar names, unrelated performance.
What Kind of Insurance Company Is American National?
A 120-year-old, agent-distributed, multi-line insurer that is currently narrowing its focus.
Founded in Galveston in 1905, it grew into a company selling life, health, annuities, credit insurance, pension products, and property and casualty across all 50 states and Puerto Rico. Its P&C arm, American National Property and Casualty Company, was established in 1973 and is based in Springfield, Missouri.
Today, after the Brookfield acquisition, the picture is different. Annuities and pension risk transfer are the growth story. Life is closed to new business. Homeowners is being exited. Auto, agribusiness and specialty lines continue.
It also writes collector car insurance, which is a niche worth knowing about if you have a vehicle that a standard policy will not value properly.
The Honest Read: Who American National Suits
If you want cheap, straightforward car insurance and you like having an agent, this is a genuinely good option. Around 36% below average, A rated by AM Best, with a private passenger auto complaint index better than the industry norm. That combination is not easy to find.
The Cashback and single-deductible perks are real money if you bundle home and auto and do not claim often. Nobody else is offering you a cheque for behaving.
Do not judge it by the 2.72 complaint index. That is the all-lines number and it is dominated by property and hail claims. The auto figure is about 0.75, which is better than average.
Do expect a dated digital experience. No online quotes, no telematics, few discounts, and you have to email to track a claim. If you run your financial life from your phone, this will irritate you.
Do read the corporate situation clearly. New life business is closed. Homeowners is being exited. All P&C, including your auto insurer, moved to Clearbrook in October 2025 and is booked as discontinued operations by American National Group. Your policy is safe and the ratings are strong, but the brand is being narrowed, and if you bundle home and auto today it is fair to ask your agent where the home side is heading.
And if you have a collector car, this is one of the few mainstream names that will write it.
Final Word on American National Car Insurance
American National is a good, cheap car insurance company having a strange few years. The product is fine. The price is better than fine. The financial strength is solid, and the auto complaint record is genuinely better than average once you look at the right number.
What has changed is everything around the product. A 120-year-old Texas insurer with a family name over the door is now one line inside a global asset manager’s insurance platform, and the lines it used to be famous for are being closed or moved. That is not a scandal. It is a strategy, and Brookfield has been clear about it.
Buy it for the price and the agent. Look up the auto-only complaint index rather than the headline. Save 800-333-2860. And ask what happens to your home policy before you bundle.
FAQs
What happened to American National Insurance Company?
Brookfield acquired it for $5.1 billion in a deal that closed in May 2022, taking it private. It stopped writing new life insurance in 2025, is exiting homeowners, and on October 1, 2025 transferred all its property and casualty subsidiaries, including its auto insurer, to a Brookfield sibling company now called Clearbrook Group Holdings.
Is American National car insurance good?
Yes, on the measures that matter most. It holds an A (Excellent) rating from AM Best, prices around 36% below the national average, and its private passenger auto complaint index is about 0.75, better than the 1.0 average. The trade-offs are few discounts, no online quotes, and a dated digital experience.
Who owns American National Insurance?
Brookfield, since May 2022. Brookfield Wealth Solutions owns both American National Group, which now focuses on annuities and pension risk transfer, and Clearbrook Group Holdings, which holds the property and casualty companies including the auto insurer. The Moody family previously controlled it.
Does American National still sell car insurance?
Yes. Auto is one of the personal lines still being written, alongside agribusiness and specialty products. The entity writing it, American National Property and Casualty Company, moved to Clearbrook on October 1, 2025, but coverage continues and is sold through local agents.
What is American National’s 24-hour number?
The claims hotline is 800-333-2860 and it is staffed 24 hours a day, seven days a week, for auto and home claims and for roadside assistance. General customer service and billing lines run normal business hours, and auto policy service is 800-899-6519.
How do I contact American National Insurance?
For claims, call 800-333-2860 any time. For auto policy service and billing, call 800-899-6519. To ask about an existing claim, email claims@americannational.com, and for general service email ServiceCenter@AmericanNational.com. The company is headquartered at One Moody Plaza, Galveston, Texas.
Is American National Insurance cheap?
Yes, and it is the company’s strongest feature. MoneyGeek’s analysis puts it around 36% below the national average, and NerdWallet’s 2026 rate analysis found it often cheaper than average. It offers few discounts and no telematics, but a low base rate can still beat a discount-heavy competitor.
What is American National’s NAIC complaint index?
It depends which one you read, and this is the most misreported fact about the company. The all-lines index is about 2.72, roughly three times average, but filtered to private passenger auto it is about 0.75, better than average. Most complaints come from hail and property claims, not auto.
Which insurance company denies the most claims?
There is no credible industry-wide ranking, because denial rates are not reported in a standard way across carriers and lines. Use the NAIC Complaint Index filtered to your specific line of business, AM Best for financial strength, J.D. Power where available, and your state Department of Insurance.
Is Americo a reputable company, and is it American National?
Americo is a separate, unrelated company, and it is not a division or trading name of American National. Reviews of one say nothing about the other. American National is also unrelated to American Family, Amica, and American International Group despite the similar names.
Does American National offer telematics or usage-based discounts?
No. Unlike most major insurers, American National has no telematics programme, so there is no app monitoring your driving for a discount. It also advertises few discounts generally, which matters less than it sounds if the base rate is low enough.
Can I get an American National car insurance quote online?
No. American National sells exclusively through local and independent agents, so you cannot get a quote or buy a policy online. Use the agent locator on its website to search by ZIP code, and budget a phone call.
What is American National’s Cashback benefit?
If you insure both your car and home with American National and stay claim-free for three consecutive years, you receive a cheque for a percentage of your premiums, and again each year you remain claim-free. Few carriers offer anything comparable.
Does American National cover custom parts on my car?
Yes, up to $2,000 of customised equipment coverage is included when you carry both comprehensive and collision. That is at the better end of what standard carriers include, though a heavily modified vehicle will need more than that.
Is American National rated by J.D. Power?
No, it is not included in J.D. Power’s major auto insurance studies, so that benchmark is unavailable. Independent signals include the 2025 CRASH Network Insurer Report Card, which graded it C+ and ranked it 54th out of 97, and AM Best’s A (Excellent) financial strength rating.
About the Author
The InsuranceGuidances Editorial Team writes and fact-checks insurance guides, led by an editor with 16 years of experience in banking and insurance. Our standing rule is zero fabrication: every figure, phone number and date on this page traces to a named source, and we name the trade-offs rather than the selling points. This article is general information and not financial advice. Reviewed July 2026.
Sources
American National, official website and contact information: https://www.americannational.com/
American National Group Inc., SEC Form 10-Q (P&C transfer and discontinued operations): https://www.sec.gov/Archives/edgar/data/0001039828/000103982826000009/angpd-20260331.htm
Brookfield, Brookfield Reinsurance Completes $5.1 Billion Acquisition of American National: https://bnt.brookfield.com/press-releases/brookfield-reinsurance-completes-51-billion-acquisition-american-national
Brookfield, Acquisition announcement press release: https://bnt.brookfield.com/press-releases/brookfield-asset-management-reinsurance-partners-acquire-american-national-51
InsuranceNewsNet, American National to exit the life insurance business: https://insurancenewsnet.com/innarticle/american-national-to-exit-the-life-insurance-business
InsuranceNewsNet, Critics call out Brookfield asset transfers to insurer: https://insurancenewsnet.com/innarticle/critics-call-out-brookfield-asset-management-asset-transfers-to-insurer
Reinsurance News, Brookfield Reinsurance acquires American National for $5.1bn: https://www.reinsurancene.ws/brookfield-reinsurance-acquires-american-national-for-5-1bn/
NerdWallet, American National Auto Insurance Review: https://www.nerdwallet.com/insurance/auto/american-national-auto-insurance-review
MoneyGeek, American National Car Insurance Review: https://www.moneygeek.com/insurance/auto/reviews/american-national/
AutoInsurance.com, American National Car Insurance Review (complaint index by line): https://www.autoinsurance.com/companies/american-national/reviews/
The Zebra, Is American National a Good Insurance Company: https://www.thezebra.com/insurance-companies/american-national-insurance-reviews-coverage-options-and-ratings/
U.S. News, American National Car Insurance Review: https://www.usnews.com/insurance/auto/american-national-car-insurance-review
NAIC, Consumer Information Source complaint index: https://content.naic.org/cis-consumer-information-source
AM Best, insurer financial strength ratings: https://web.ambest.com/home
