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

Quick Facts

• Based on national averages for insurance, American National offers significantly less expensive prices than Esurance
• American National offers more affordable premiums for policyholders who drive fewer than 6,000 miles annually
• Esurance may help you save more money -- they offer more discounts than American National Insurance Company

American National or Esurance: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to American National or Esurance, but between the two, which one will offer you more affordable prices?

Looking at the national average rates for both carriers, American National has average rates that are around 70% a month cheaper than those from Esurance.

However, that doesn't mean American National will necessarily be more affordable than Esurance for every single driver. Auto insurance companies use a ton of complex algorithms to determine rates, so depending on how clean your driving record is or where you live (among a wide array of other factors), you could see wildly different premiums from the ones above.

Wanting to know if American National or Esurance is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

American National vs. Esurance: Average Car Insurance Rates by State

American National and Esurance only compete against each other in two states, with American National offering cheaper rates to the average driver in all of them. Colorado has the most noticable difference, where American National premiums are $130 less expensive than insurance rates at Esurance.

There's a lot more that goes into your car insurance bill than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers. It's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have American National for their car insurance pay over 70% less than those who use Esurance.

But both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for American National policyholders lower about $100 and Esurance's prices decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

But who has the best premiums for retired drivers between American National and Esurance? American National gets the edge, with rates for drivers 65 and older more than 70% cheaper than the national average for Esurance.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance prices than married couples. This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few auto insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with American National rates coming in at about 70% less than Esurance's. The advantage is also clear for married policyholders - American National offers the cheapest average premiums.

American National or Esurance: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for car insurance than women.

With American National, men typically pay around $1 per month more than women, and over $20 with Esurance.

Looking at overall affordability, American National comes out on top for both men and women. On average, male drivers save about $221 a month and women save about $201 with American National compared to the average Esurance policyholder.

American National vs. Esurance: 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.

It's no secret that insurance can be a complicated subject for most people. There are lots of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, American National has the significant edge, with average monthly rates coming in at $52. If you want a full coverage policy with the same state minimum limits, American National again has the edge, with policies averaging around $123 per month to Esurance's $396.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault collisions and speeding tickets will most likely raise your prices, but is American National or Esurance less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American National for their insurance can usually expect their monthly bill to go up about 20% after getting a speeding ticket. Esurance policyholders can expect a less drastic increase of around 16%.

But American National tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With American National Insurance Company, drivers with a clean record can save about $175 a month and drivers with a speeding ticket can save around $203 per month.

Which Company is Best for Drivers After an Accident?

American National drivers who get in an accident can expect to see their rates climb by just under $30, while those who have insurance through Esurance will see about a $100 increase.

At the end of the day, drivers who use American National end up with the cheaper prices after an accident, with average prices coming in at $95 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Esurance drivers usually see a 20% climb in their auto insurance premiums after a DUI charge, while American National will typically increase rates by around 36%.

How does Credit Score Impact American National and Esurance Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly car insurance prices. Certain states and companies do not allow for credit score to be used as a car insurance factor, but it will come into play for lots of policyholders.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the most affordable premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a sizable impact on your monthly auto insurance cost. Generally, the more milage you drive, the more you can expect to pay for insurance.

American National tends to be the more affordable option for both remote workers and those taking short commutes. Esurance's average prices for drivers with 6,000 annual miles come in more than $200 more expensive than American National. Those who drive 12,000 miles yearly can expect to pay over $200 more with Esurance over American National.

American National or Esurance: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly auto insurance payment. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the roads where they live.

American National tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to pay about $73 per month with American National compared to Esurance's $211. People in suburban areas pay a monthly premium of around $85 with American National compared to $288 with Esurance. For drivers in urban ZIP codes, American National's average rates are about $104 a month compared to Esurance's $396.

American National vs. Esurance Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American National and Esurance so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Esurance blows American National away when it comes to the sheer amount of discounts available, offering 24 different discounts to American National's 14.

There are a couple discounts both companies offer, but Esurance also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, American National has a few proprietary discounts of their own for things like claim free discounts, COVID-19 relief discount, distant student discounts, and more.

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

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance company is the right company for you and your specific needs?

American National might be best for you if....

• You want to save money on your auto insurance after an accident.
• You want the most robust protection via a "full coverage" policy.
• You drive fewer than 6,000 miles each year.

Esurance might be best for you if...

• You're thinking about moving to another state -- undefined is only available in.
• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare American National and Esurance. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just American National and Esurance. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

American National vs. Esurance FAQs

Is American National or Esurance cheaper?

American National is the cheaper of the two companies when looking at national average prices, with policies averaging $87 per month with American National and $299 for Esurance. That being said, that doesn't mean American National will be the lowest carrier for every driver, since there are multiple different variables that are considered when it comes to your insurance bill.

Who is better, American National or Esurance?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do American National and Esurance offer me different rates?

Auto insurance carriers use several different factors when determining the rates they charge. Variables like your driving record, age, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both American National and Esurance calculate premiums using different factors, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from several 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 information once and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't American National or Esurance at all, but another you hadn't even thought of!

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.