Best American National Car Insurance Discounts in 2025 (Save 20% With These Deals!)
The best American National car insurance discounts can save drivers up to 20% on their policy. The biggest discounts are available for safe driving, building a good driving record, and maintaining good grades. American National car insurance rates start at $142 per month for full coverage.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Apr 18, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 18, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The best American National car insurance discounts include savings for being a safe driver, bundling policies, and having good grades.
Our Top 10 Picks: Best American National Car Insurance Discounts
| Discount | Rank | Savings Potential | Eligibility |
|---|---|---|---|
| Safe Driver | #1 | 20% | For drivers with a clean record, no accidents or violations. |
| Multi-Policy | #2 | 18% | Savings for bundling auto with home or other policies. |
| Good Student | #3 | 16% | For students under 25 with a 'B' average or higher. |
| Low Mileage | #4 | 15% | For drivers who log fewer miles annually. |
| Anti-Theft Device | #5 | 12% | For vehicles with approved anti-theft systems. |
| Multi-Vehicle | #6 | 11% | Savings for insuring multiple vehicles on one policy. |
| Senior Driver | #7 | 10% | For drivers 55+ with a good driving history. |
| Defensive Driving | #8 | 8% | For completing a state-approved defensive driving course. |
| Paperless | #9 | 6% | For choosing electronic billing and policy documents. |
| Loyalty | #10 | 5% | For long-term customers with continuous coverage. |
Not all drivers will be eligible for every discount, but customers should be able to reduce costs by qualifying for at least one or two discounts.
By taking advantage of these discounts, you can reduce the cost of your car insurance while still getting the car insurance coverage you need.
- American National’s biggest discount is savings up to 20% for safe driving
- Good students with a B average or higher can save up to 16%
- Ask your American National agent what discounts you can apply to your rates
Read on to learn how to qualify for American National car insurance discounts. Want to find affordable car insurance today? Enter your ZIP in our free quote tool.
How to Qualify for the Best American National Car Insurance Discounts
Most discounts will automatically apply to your policy, such as if you bundle insurance coverages. However, there are some discounts you will have to apply for, like the good student discount. To help you qualify for as many discounts as possible, including some lesser-known car insurance discounts, we cover how to get the best American National discounts below.
Safe Driver Discount
If you have a clean driving record with no accidents or violations, you may qualify for this discount (Learn More: Best Safe Driver Car Insurance Discounts). Maintaining a clean driving record, free from accidents or violations, also contributes to lower rates in general.
Multi-Policy Discount
This discount applies when you have both your car and home insurance with American National. By bundling both your car and home insurance with American National, you can enjoy significant savings (Read More: Best Car and Home Insurance Discounts).
Good Student Discount
Students under the age of 25 who maintain at least a 3.0 or B average can take advantage of this valuable discount.
Learn More: Best Auto Insurance for Students
You will need to submit proof of grades to American National in order for the discount to be applied.
Low Mileage Discount
Driving your car less than a specified number of miles each year can lead to additional savings with a low-mileage car insurance discount.
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Most companies require that you travel less than 10,000 miles annually. Check with American National to see what their mileage requirement is in your state.
Anti-Theft Device Discount
Equipping your car with an anti-theft device could make you eligible for additional savings with American National’s anti-theft system car insurance discount.
Some examples of anti-theft devices include GPS tracking systems or brake locks. VIN etching can also deter theft.
Multi-Vehicle Discount
Insuring more than one car with American National may make you eligible for this discount. The discount may increase up to the maximum for each additional car.
Learn More: How To Get Discounts on Car Insurance
For example, a person insuring two cars may have a slightly smaller discount than a person insuring four cars.
Senior Driver Discount
If you’re over 55 and complete a state-approved driver safety course, you may be eligible for this discount (Read More: Best Government-Mandated Car Insurance Discounts for Seniors).
Senior drivers may also have lower rates to start with if they have safe driving records with no history of accidents, tickets, or DUIs.
Defensive Driver Discount
Completing a state-approved defensive driving course is a proactive step that can result in additional premium reductions (Read More: Best Defensive Driver Car Insurance Discounts).
These courses teach skills such as driving in inclement weather, animal collisions, and more. Check with American National for a list of qualifying courses.
Paperless Discount
Opting for paperless at American National will result in a small discount. Instead of receiving mail, you will get emails and notifications about billing and other account information.
Learn More: Paperless Car Insurance Discount
You will still be able to access your account information at any time using your American National Insurance login on the website.
Loyalty Discount
Sticking with American National Property and Casualty Company will pay off with a small loyalty discount. It will be automatically applied when you renew your policy (Learn More: How do I renew my car insurance policy with American National Insurance?).
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American National Car Insurance Rates
Discounts at American National will help you save on your coverage, but it’s important to consider what your average rates will be before a discount is applied. If your rates are expensive, discounts may not save you enough.
Take a look at the average rates at American National Property and Casualty Company below for different ages.
Young drivers will pay the most at American National if they are buying their own policy. Rates for car insurance from American National will be lower than the ones shown above if young drivers are able to join a parent’s existing American National account.
Applying for some of the top 10 discounts will also make rates cheaper.
To find out exactly what you will pay at American National Insurance Company, you can get an American National car insurance quote (Read More: How to Get Free Insurance Quotes Online).
We also recommend checking out American National car insurance reviews to see if the company is the right fit for your needs.
Other Possible Discount Opportunities
American National Insurance Company offers a variety of car insurance discounts for its insurance policies.
American National Car Insurance Discounts
| Discount | Savings Potential |
|---|---|
| Accident-Free | 10% |
| Anti-Lock Brake | 5% |
| Anti-Theft Device | 12% |
| Away-at-School | 7% |
| Claims-Free | 10% |
| Defensive Driving | 8% |
| EFT (Electronic Funds Transfer) | 5% |
| Good Credit | 5% |
| Good Student | 16% |
| Home Security | 5% |
| Low Mileage | 15% |
| Loyalty | 5% |
| Multi-Policy | 18% |
| Multi-Vehicle | 11% |
| New Car | 10% |
| Paid-in-Full | 5% |
| Paperless | 6% |
| Passive Restraint | 5% |
| Safe Driver | 20% |
| Senior Driver | 10% |
The discounts can vary by state and the type of coverage you have. Some other discounts to inquire about that may be included at your location include:
- Auto Pay Discount: Set up your payments to automatically withdraw, and you may get a small discount (Read More: How can I pay my American National Insurance insurance premium?).
- Military Discount: Active military and veterans may be offered a discount at some companies.
- New Car Discount: If you have a new car that is less than three years old, you may qualify for this discount.
You can also save on car insurance at any company by making sure that you are carrying only the coverage you need and raising your deductible.
Taken Everything Into Account: American National Car Insurance Discounts
The best American National car insurance discounts offer a variety of ways to help customers save money on their car insurance premiums, such as a home and auto bundling discount.
Read more: Home and Car Insurance Discounts
If you’re interested in learning more about American National car insurance and the discounts they offer, make sure to read American National auto insurance reviews from customers and rating sites.
You can also contact an American National agent to answer any questions you have about qualifying for American National discounts and help you find the coverage that’s right for you.
Looking for affordable car insurance in your area today? Compare rates with our free quote tool to score the best deal on car insurance.
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Frequently Asked Questions
How do I qualify for the American National car insurance discounts?
To qualify for the American National discounts, you must be a customer of American National and meet certain eligibility requirements. Contact your American National agent to learn more about how to qualify.
Can I combine the American National car insurance discounts?
Yes, you can combine the American National discounts offered by American National to help you save even more money on your car insurance premiums.
How can I learn more about American National car insurance?
To learn more about American National car insurance, read our American National insurance review.
You can also visit their website or contact an American National agent in your area. They can answer any questions you have about their car insurance policies and help you find the coverage that’s right for you.
What discounts does American National offer for car insurance?
American National offers a range of national auto discounts for car insurance, including safe driver discounts, multi-car discounts, good student discounts, low mileage discounts, anti-theft discounts, and more. National auto discounts available may vary by state, so it’s best to check with an American National agent to see what discounts are available in your area.
Can I get a discount for having multiple cars insured with American National?
Yes, American National offers a multi-car discount for customers who insure multiple vehicles on the same policy. The discount amount may vary depending on the number of cars insured, so it’s best to check with an American National agent to see what the discount amount would be for your policy.
Does American National offer a good student discount for car insurance?
Yes, American National offers a good student car insurance discount for drivers who maintain a certain GPA. The specific GPA requirement for the American National good student discount may vary by state, but it’s typically a 3.0 or higher. To qualify for the discount, the student must be a full-time student and under the age of 25.
Can I get a discount for having anti-theft devices installed in my car?
Yes, American National offers an anti-theft discount for customers who have certain anti-theft devices installed in their vehicles. The specific devices that qualify for the discount may vary by state and by policy, so it’s best to check with an American National agent to see what devices are eligible for the discount.
Is American National a good car insurance company?
Yes, American National has an A rating from A.M. Best for financial stability. However, we recommend reading American National Insurance reviews from customers on sites like Reddit or Yelp to see what customers think of the company.
Is American National Insurance expensive?
Full coverage rates start at $142 per month at American National, which is a standard rate (Learn More: How much is car insurance?). We recommend getting an American National auto insurance quote to determine your exact rate, as rates can vary greatly among customers based on age, driving record, and more.
Is American National not the right fit for you? Find affordable car insurance in your area today by entering your ZIP in our free quote tool.
Is there an American National cashback program?
There is an American National cashback for American National home insurance customers who stay claim-free, but eligibility depends on what state customers are in and is at American National’s discretion.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
