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

Quick Facts

• In general, American National offers significantly less expensive prices than Motorists
• American National has cheaper premiums for policyholders who drive fewer than 6,000 miles annually
• American National offers more affordable prices for policyholders who live in rural neighborhoods

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed your search down to American National or Motorists as your top options, but between the two, which carrier will offer you more affordable rates?

Looking at the national average rates for both carriers, Motorists has average rates that are around 65% a month more expensive than those from American National.

Even so, American National may not be the lowest or best option for every driver out there. Insurance companies use tons of complex algorithms to determine premiums, so depending on where you live or how good your credit score is (among a range of other factors), you could see wildly different prices from the ones above.

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

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

American National and Motorists only compete against each other in one states, with American National offering less expensive premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where American National rates are $289 cheaper than car insurance premiums at Motorists.

There's a lot more that goes into your insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group on the road. It's 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 that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use American National save over 55% per month compared to those who use Motorists.

However, both carriers will drop rates once you turn 25. For example, average premiums for American National policyholders decrease about $100 and Motorists's prices lower around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance rates you can find. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise premiums.

When looking at American National and Motorists specifically, which carrier is best for retired drivers? American National gets the edge here, with average prices coming in at about $66 per month compared to Motorists's $219.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married drivers having several vehicles on their policy -- something a lot of insurance companies will reward with discounts.

For those who are single, the difference in average premiums between these two carriers is significant, with American National prices coming in at around a third of Motorists's. The advantage for married couples with American National is also obvious, where drivers save more than $150 a month.

American National or Motorists: Average Rates by Gender

Because women are less likely to get into collisions and get speeding tickets, they are less likely to file a claim with insurance. So, insurance companies will often charge women less than men.

With American National, men usually pay about $1 per month more than women, but with Motorists, the difference is closer to $12 a month.

When it comes to the most affordable premiums for each gender, American National comes out on top for both men and women, with average rates $169 less for men and $158 cheaper for women.

American National vs. Motorists: 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 isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability insurance, American National has the significant edge, with average monthly prices 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 Motorists's $379.

Is American National or Motorists 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.

It's no secret secret that at-fault accidents and speeding tickets lead to higher premiums, but which company -- American National or Motorists -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American National for their auto insurance can typically expect their monthly bill to go up about 20% after getting a speeding ticket. Motorists policyholders can expect a less drastic increase of around 10%.

But American National is normally the more affordable option for both drivers who have clean records and those with a recent ticket. With American National Insurance Company, drivers with a clean record can save about $102 a month and drivers with a speeding ticket can save around $103 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 rise by just under $30, while those who have insurance through Motorists will see about a $35 increase.

At the end of the day, the cheaper prices come from American National, with average rates coming in at $95 compared to Motorists Insurance Group's $206.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or ticket. On average, Motorists will increase your premiums around 62% after a DUI, while American National's average rates climb by more than 35%.

But if you end up with a DUI charge and are looking for more affordable premiums, American National tends to be more affordable for the average driver, with monthly premiums coming in at about $104 to Motorists's $442.

How does Credit Score Impact American National and Motorists Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for quite a few policyholders.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at American National and Motorists specifically, which company has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, American National will generally reward you the most. For drivers with "excellent" credit scores, American National comes in nearly 67.92 less expensive. Drivers with "good" credit scores typically save around 64% with American National compared to average prices from Motorists.

Which Company is Best for Drivers with Bad Credit?

American National typically offers lower premiums than Motorists when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 63% a month less with American National compared to Motorists, and those with "poor" scores generally save an average of around 66% a month.

Is American National or Motorists 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 insurance companies will charge for coverage. Normally, the more milage you drive, the more you can expect to pay for car insurance.

For both remote workers and those taking short commutes, American National offers cheaper prices than Motorists. Motorists's average rates for drivers with 6,000 annual miles come in about 66% more expensive than American National. Those who drive 12,000 miles every year can expect to pay around 64% more with Motorists over American National.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

American National boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $179 with American National compared to Motorists. People who live in suburban areas pay around $130 less with American National compared to Motorists. For policyholders in urban ZIP codes, American National Insurance Company's average premiums are about $182 less than Motorists Insurance Group.

American National vs. Motorists Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts American National and Motorists offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

You can find offers for anti-theft discounts, multi-policy discounts, and passive restraint discounts from both carriers.

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

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best fit for you?

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

• Your credit is below-average.
• Your home is in a busy urban area.
• You live in a rural area.

Motorists might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between American National and Motorists and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just American National and Motorists. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

American National vs. Motorists FAQs

Is American National or Motorists cheaper?

American National is the more affordable of the two companies when looking at national average premiums, with policies averaging $87 per month with American National and $251 for Motorists. That being said, that doesn't mean American National will be the cheapest company for each driver, since there are multiple different variables that come into play when it comes to your insurance bill.

Who is better, American National or Motorists?

Sadly, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do American National and Motorists offer me different rates?

Insurance carriers use lots of different factors when determining the prices they charge. Things such as gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be used. Both American National and Motorists calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the car insurance carrier 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 make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't American National or Motorists 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.