Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 5, 2021

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Key takeaways...

  • American Summit Insurance Company, based out of Waco, Texas, is  licensed to underwrite insurance policies in 10 western states
  • You may need types of car insurance beyond the basics. To find out how much insurance American Summit sells you should call the company directly
  • With a strong rating with A.M. Best, American Summit Insurance Company has changed its name to National Summit. Their site has links for customer and agent logins, but it refers you to their new National Summit website for more product information. National Summit has also acquired other companies such as National Lloyds Corporation. American Summit raised their rating from a B to an A.

This American Summit car insurance review is all about the American Summit Insurance Company based out of Waco, Texas. They are licensed to underwrite insurance policies in 10 western states.

At this time, American Summit Insurance Company does not offer auto or other vehicle insurance plans. They sell homeowners, mobile home, and flood insurance plans. While they do have restrictions, American Summit even offers coverage for vacant properties. What’s included is just limited as there’s no personal property to cover.

Online car insurance quotes from this and several other car insurance companies can be your with a zip, the free rates tool, and a bit of Internet magic, now!

About American Summit Car Insurance

The American Summit website does not have a description of their products and services, nor is there a way to file claims through an online form. You can pay bills online though.

Most other car insurance companies provide these basic functions for their customers. However, some smaller local companies do not, and yet provide great customer service.

You may need types of car insurance beyond the basics. To find out how much insurance American Summit sells you should call the company directly.

Financially speaking, American Summit seems to be doing well. They improved their A.M. Best rating over the last few years, which now lists the company as being financially stable; they raised their rating from a B to an A.

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Is Homeowners Insurance Affordable with American Summit Insurance Company?

A home is one of the biggest investments most people will make in their lifetime. Not protecting it properly could cost you hundreds of thousands of dollars if not more. Many policies won’t cover your home if it’s vacant for too long, but American Summit Insurance Company offers plans for vacant homes. You just have to sign up for the right plan.

At this time, American Summit Insurance Company does not offer auto insurance. While they offer peace of mind in homeowners insurance, you’ll need to find your auto insurance somewhere else.

Where Can You Find Affordable Auto Insurance Rates?

If you’re looking for affordable auto insurance rates, you don’t need to go to every carrier’s website to run quotes and check out their services. You can compare car insurance companies with online car insurance quotes. It’ll take just a few minutes of your time to run multiple quotes. It starts with entering your zip code.

By comparing online car insurance quotes with our free quote tool, you can make the best-informed decision now. The price is the most obvious factor. When you have multiple quotes, you can also compare coverage and other factors that matter to you. No matter what kind of insurance carrier you’re shopping for, make sure to compare your options to make an informed decision.


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  2. https://www.agent.natlloydscorp.com/innovation?rq=COUserStartPage
  3. https://www.american-summit.com/
  4. https://www.consumerreports.org/car-insurance/10-tips-to-save-on-car-insurance/
  5. https://www3.ambest.com/ambv/bestnews/presscontent.aspx?altsrc=3&refnum=12835