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

Quick Facts

• Looking at the national averages for auto insurance, American National offers significantly more affordable prices than Omni
• American National tends to be a much cheaper option for drivers who have less-than-stellar credit
• American National offers less expensive average rates for policyholders who drive fewer than 12,000 miles each year

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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to American National or Omni as potential options, but between the two, which company will offer you more affordable premiums?

Looking at the national average rates for both companies, Omni is quite a bit more expensive than American National, with rates averaging $181 per month compared to just $87 with American National.

Even so, American National may not be the most affordable or best option for every single driver out there. Insurance carriers use a variety of complex algorithms to calculate prices, so depending on how old you are or how clean your driving record is (among a bunch of other factors), you could see wildly different premiums from the ones above.

Wanting to know if American National or Omni 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 or Omni: Average Car Insurance Rates by State

American National and Omni only compete against each other in one states, with American National offering less expensive rates to the average driver in all of them. Pennsylvania has the most noticable difference, where American National premiums are over 30% cheaper than auto insurance rates at Omni.

There's a lot more that goes into your car insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have American National for their insurance pay more than $250 less than those who use Omni.

That being said, with both companies, you'll see your premiums lower significantly by the time drivers turn 25. Omni offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, American National still has the cheapest rates at $74 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest car insurance prices you can find. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase rates.

When looking at American National and Omni specifically, which company is best for retired drivers? American National gets the edge, with prices for drivers 65 and older $66 more affordable than the national average for Omni.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single policyholders than they are for married couples. That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, American National is the clear winner for those who are single, with prices about $118 a month cheaper than Omni, on average. The advantage for married drivers with American National is also obvious, where drivers save over $60 per month.

American National vs. Omni: Average Rates by Gender

You may not know, but car insurance is generally more expensive for men than for women. This is because men are statistically more likely than women to get speeding tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher premiums.

On average, men see rates around 1% a month higher with American National, while with Omni, the difference is closer to 8% per month.

Looking at the data for each carrier specifically, American National offers the most affordable average premiums for both men and women, with average prices $101 less for men and $87 cheaper for women.

American National or Omni: 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, auto insurance isn't the easiest topic to understand. There are so many different terms and coverages 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 (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, American National usually offers significantly less expensive rates of $52 compared to Omni's $104. When it comes to full coverage policies with similar limits, American National again has the edge, with policies about $150 a month more affordable than Omni, on average.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault collisions and tickets lead to higher prices, but which company -- American National or Omni -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American National policyholders can expect their premiums to go up an average of $17 per month if they get a ticket, while Omni normally raises prices around $7 a month, on average.

However, American National tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $101 per month and drivers with a ticket can save around $91 a month with American National Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Omni climbing by $35. American National has a less extreme rise, but you can still expect to pay just under $30 more than you were prior to your first collision.

Overall, American National offers the cheapest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $95 compared to Omni Insurance's $203.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, American National increases average prices by over $35 per month -- that's over a 35% increase.

If you have a DUI on your record and are looking for more affordable rates, American National tends to be the much cheaper option with average premiums of $104 a month compared to $178 from Omni.

How does Credit Score Impact American National and Omni Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect lots of drivers out there.

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

Looking specifically at Omni and American National, which one has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American National or Omni 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 auto insurance companies will charge for coverage. Usually, the more miles you put on your vehicle each year, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Omni charges. However, there's a small difference in monthly rates for American National, with policyholders who drive 6,000 miles annually paying about $9 less each month compared to those who drive 12,000 miles yearly. Still, American National is the less expensive option for drivers in both categories.

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

Where you park your car can play a large role in how much you pay for car insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, American National normally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both companies, but American National comes out on top with average prices around $73 per month. American National also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 61% and 41% a month respective difference when compared to Omni drivers in similar areas.

American National vs. Omni Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

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

In the table below, we've broken down all of the different discounts offered by both American National and Omni so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Overall, American National comes out ahead with 14 discounts to Omni's 13.

Both carriers offer lots of the same discounts -- like anti-theft discounts, group discounts, and passive restraint discounts -- but American National also offers claim free discounts, COVID-19 relief discount, distant student discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- advance quote discounts, agency transfer discounts, cellphone safety discounts, and more.

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

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, is American National or Omni the right one for you and your specific driver profile?

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

• You have a clean record.
• You live in an urban area.
• You live in a rural area.

Omni might be best for you if...

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

We hope this guide has ben a valuable resource as you compare American National and Omni. 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just American National and Omni. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

American National vs. Omni FAQs

Is American National or Omni cheaper?

Looking just at the national average prices, American National is the less expensive of the two carriers, offering average rates of $87 per month compared to $181 for Omni. Even so, American National won't necessarily be the most affordable company for every driver, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, American National or Omni?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do American National and Omni offer me different rates?

Car insurance companies take a look at several different factors when calculating the rates they charge policyholders. Variables like where you call home, age, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both American National and Omni calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies 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 ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be American National or Omni 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.