-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
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 uIFZSRnaHWkb4sFnAwZ0zA==

<SEC-DOCUMENT>0001209191-09-037296.txt : 20090721
<SEC-HEADER>0001209191-09-037296.hdr.sgml : 20090721
<ACCEPTANCE-DATETIME>20090721175317
ACCESSION NUMBER:		0001209191-09-037296
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20090721
FILED AS OF DATE:		20090721
DATE AS OF CHANGE:		20090721

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Schouweiler Steven Harvey
		CENTRAL INDEX KEY:			0001467682

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34280
		FILM NUMBER:		09955793

	MAIL ADDRESS:	
		STREET 1:		ONE MOODY PLAZA
		CITY:			GALVESTON
		STATE:			TX
		ZIP:			77550

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAN NATIONAL INSURANCE CO /TX/
		CENTRAL INDEX KEY:			0000904163
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				740484030
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		ONE MOODY PLAZA, 14TH FL
		STREET 2:		SEC UNIT - 8TH FLOOR
		CITY:			GALVESTON
		STATE:			TX
		ZIP:			77550
		BUSINESS PHONE:		409-766-6480

	MAIL ADDRESS:	
		STREET 1:		ONE MOODY PLZ
		CITY:			GALVESTON
		STATE:			TX
		ZIP:			77550
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>c88076_3x0.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0203</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2009-07-21</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000904163</issuerCik>
        <issuerName>AMERICAN NATIONAL INSURANCE CO /TX/</issuerName>
        <issuerTradingSymbol>ANAT</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001467682</rptOwnerCik>
            <rptOwnerName>Schouweiler Steven Harvey</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>ONE MOODY PLAZA</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>GALVESTON</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>77550</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>SVP, Health Ins. Operations</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable></nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Appreciation Right</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>100.46</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2006-05-02</value>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2015-05-02</value>
                <footnoteId id="F2"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1800</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Appreciation Right</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>116.48</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-05-01</value>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2018-05-01</value>
                <footnoteId id="F2"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>3000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">SARs become exercisable in five equal annual installments beginning on the date shown.</footnote>
        <footnote id="F2">SARs expire five years from the date they become exercisable.  The date shown represents the expiration date on the final installment of SARs to become exercisable.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Steven H. Schouweiler</signatureName>
        <signatureDate>2009-07-16</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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