American National vs. Emc: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Emc offers more affordable premiums than American National
• American National has less expensive rates for policyholders who haven't received any speeding tickets or been in an accident in the last few years
• Emc offers more affordable premiums for people who are single and purchasing car insurance by yourself

American National vs. Emc: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to American National or Emc as potential options, but between the two, which one has cheaper prices for auto insurance?

Looking at nationwide averages, American National has average rates that are about 18% per month more expensive than those from Emc.

Even so, that doesn't necessarily mean Emc will be the more affordable option for each driver. Insurance companies use all sorts of complex algorithms to calculate rates, so depending on where you live or how clean your driving record is (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both American National and Emc by lots of different rate factors, so read on to find out which carrier is the best for you.

American National or Emc: Average Car Insurance Rates by State

American National and Emc only compete against each other in Nebraska, where American National offers the cheaper average rates. For Nebraska residents, American National offers auto insurance for $67 a month on average. Emc's average premiums come out to be more expensive, at $71 monthly.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance carriers determine your prices. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $60 less a month by choosing Emc over American National.

However, both companies will offer you dramatically lower rates by the time you turn 25. Emc offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, American National still has the lowest premiums at $74 per month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase rates.

When looking at American National and Emc specifically, which company is best for retired drivers? Emc gets the edge, with prices for drivers 65 and older $18 less expensive than the national average for American National.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be cheaper for married couples than they are for single policyholders. That's generally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Emc is the clear winner for single drivers, with premiums around $23 per month less expensive than American National, on average. For married policyholders, the advantage is clear again - Emc has the edge when it comes to average rates, but the difference is less than $10.

American National vs. Emc: Average Rates by Gender

You may not know, but men typically pay more for insurance than women do. This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim.

On average, women see premiums about $1 a month cheaper with American National, and around $7 with Emc.

Looking at overall affordability, Emc offers the cheapest average prices for both men and women. On average, women save about $19 per month and men save about $13 with Emc compared to the average American National policyholder.

American National or Emc: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Emc normally offers significantly more affordable premiums of $24 compared to American National's $52. When it comes to full coverage policies with similar limits, Emc again has the edge, with policies around $5 a month cheaper than American National, on average.

Is American National or Emc Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and tickets lead to higher prices, but which carrier -- American National or Emc -- has the lowest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American National policyholders can expect their prices to go up an average of $17 per month if they get a ticket, while Emc usually raises rates about $3 a month, on average.

If you have a clean record, American National tends to offer the best premiums at around 0% more affordable, while Emc has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

American National drivers who get in an accident can expect to see their prices rise by just under 30%, while those who have insurance through Emc will see about a 10% increase.

Overall, drivers who use Emc end up with the cheaper prices after an accident, with monthly rates averaging $74 compared to American National Insurance Company's $95.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. On average, American National will climb your prices around 36% after a DUI, while Emc's average rates climb by just under 10%.

If you have a DUI on your record and are looking for more affordable premiums, Emc tends to be the much less expensive option with average prices of $74 a month compared to $104 from American National.

How does Credit Score Impact American National and Emc Rates?

Did you know that many auto insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with American National for an "excellent" credit score. Drivers with "excellent" credit can save 15% compared to Emc, while those with "good" scores can expect to see better savings from Emc -- about $2 or 3% cheaper than American National each month.

Which Company is Best for Drivers with Bad Credit?

Emc typically offers lower premiums than American National when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $16 per month less with Emc compared to American National, and those with "poor" scores generally save an average of about $55 monthly.

Is American National or Emc Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. Normally, those who drive fewer miles will end up with less expensive rates since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Emc tends to be the more affordable option. Emc average premiums for drivers with 6,000 annual miles come in just under $20 less expensive than American National. Those who drive 12,000 miles annually can expect to pay nearly $15 less with Emc over American National.

American National vs. Emc: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a big role in how much you pay for auto insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads in those areas.

Emc boasts the cheapest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable prices from both carriers, but Emc comes out on top with average rates around $68 per month. Emc also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 28% and 15% a month respective difference when compared to American National drivers in similar areas.

American National vs. Emc Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

In the section below, we've compared all of the different discounts offered by American National and Emc so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Overall, American National has a slight advantage when it comes to total number of discounts. Emc offers a grand total of 13 discounts, while American National has 14.

Both companies offer many of the same discounts -- like distant student discounts, discounts for being a good student, and mature driver discounts -- but American National also offers claim free discounts, COVID-19 relief discount, defensive driver discounts, and more that Emc does not.

On the flip side, Emc has a couple unique discounts of its own -- ABS discounts, advance quote discounts, EFT discounts, and more.

Final Thoughts: Is American National or Emc Best for You?

So, we've broken down the average prices for many of the variables auto insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, which insurance carrier is the best company for you, your vehicle, and your wallet?

Emc might be best for you if....

• You're single and purchasing car insurance by yourself.
• You're looking for more protection with "full coverage" auto insurance.
• You are over 65 years old and want to save some money on your insurance.

American National might be best for you if...

• You have a clean record.
• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between American National and Emc and that you can now make a more informed decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple companies, not just American National and Emc. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

American National vs. Emc FAQs

Is American National or Emc cheaper?

Looking just at the national average rates, Emc is the more affordable of the two companies, offering average rates of $71 per month compared to $87 for American National. That being said, Emc won't necessarily be the cheapest carrier for each driver, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, American National or Emc?

Sadly, the real answer is "it depends.". Neither company is "better" for every driver -- it all boils down to your unique car insurance profile. For example, Emc offers less expensive premiums for drivers with a recent DUI, while American National is cheaper for drivers with excellent credit.

Why do American National and Emc offer me different rates?

Auto insurance carriers take a look at quite a few different variables when determining the prices they charge policyholders. Factors like where you park your car, where you live, gender, age, and sometimes even things like your credit score can all come into play. Both American National and Emc use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if American National or Emc is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be American National or Emc at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.