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  <xs:element id="an_SeniorNotesAtOnePointNineFivePercentDue2028Member" abstract="true" name="SeniorNotesAtOnePointNineFivePercentDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_SeniorNotesAtFourPointFourFivePercentDue2029Member" abstract="true" name="SeniorNotesAtFourPointFourFivePercentDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_SeniorNotesatFourPointSevenFivePercentDue2030MemberMember" abstract="true" name="SeniorNotesatFourPointSevenFivePercentDue2030MemberMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_SeniorNotesAtTwoPointFourPercentDue2031Member" abstract="true" name="SeniorNotesAtTwoPointFourPercentDue2031Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_SeniorNotesAtThreePointEightFivePercentDue2032Member" abstract="true" name="SeniorNotesAtThreePointEightFivePercentDue2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_RevolvingCreditFacilityDue2028Member" abstract="true" name="RevolvingCreditFacilityDue2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_OtherDebtMember" abstract="true" name="OtherDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_FinanceLeasesIncludedInLongtermDebt" abstract="false" name="FinanceLeasesIncludedInLongtermDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="an_LineOfCreditFacilityAdditionalBorrowingCapacity" abstract="false" name="LineOfCreditFacilityAdditionalBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_RevolvingCreditFacilitiesLetterOfCreditSublimit" abstract="false" name="RevolvingCreditFacilitiesLetterOfCreditSublimit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_LineOfCreditUnusedBorrowingCapacity" abstract="false" name="LineOfCreditUnusedBorrowingCapacity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_CreditSpreadAdjustmentOnCreditAgreement" abstract="false" name="CreditSpreadAdjustmentOnCreditAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="an_CommercialPaperMaximumAggregateAmount" abstract="false" name="CommercialPaperMaximumAggregateAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_WarehouseFacilitiesMember" abstract="true" name="WarehouseFacilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_WarehouseFacilityOneMember" abstract="true" name="WarehouseFacilityOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_WarehouseFacilityTwoMember" abstract="true" name="WarehouseFacilityTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_WarehouseFacilityThreeMember" abstract="true" name="WarehouseFacilityThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_TermSecuritizationDebtMember" abstract="true" name="TermSecuritizationDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_ANFAutoReceivablesTrust20251Member" abstract="true" name="ANFAutoReceivablesTrust20251Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_NumberOfWarehouseFacilityAgreements" abstract="false" name="NumberOfWarehouseFacilityAgreements" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="an_StockRepurchaseProgramBoardAuthorizedRepurchasesMember" abstract="true" name="StockRepurchaseProgramBoardAuthorizedRepurchasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_ShareRepurchasesExciseTax" abstract="false" name="ShareRepurchasesExciseTax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_EmployeeMember" abstract="true" name="EmployeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_EmployeeEquityandIncentivePlan2017Member" abstract="true" name="EmployeeEquityandIncentivePlan2017Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_EmployeeEquityAndIncentivePlan2026Member" abstract="true" name="EmployeeEquityAndIncentivePlan2026Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_DomesticStoresAcquiredMember" abstract="true" name="DomesticStoresAcquiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_ImportStoresAcquiredMember" abstract="true" name="ImportStoresAcquiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_PremiumStoresAcquiredMember" abstract="true" name="PremiumStoresAcquiredMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_DomesticStoresDivestedMember" abstract="true" name="DomesticStoresDivestedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_NumberOfBusinessesDivested" abstract="false" name="NumberOfBusinessesDivested" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="an_NoncashAdjustmentsRightOfUseAssets" abstract="false" name="NoncashAdjustmentsRightOfUseAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_ReportingUnitMobileServiceMember" abstract="true" name="ReportingUnitMobileServiceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_MeasurementInputWeightedAverageCostOfCapitalMember" abstract="true" name="MeasurementInputWeightedAverageCostOfCapitalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_MeasurementInputLongTermPretaxLossMarginMember" abstract="true" name="MeasurementInputLongTermPretaxLossMarginMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_MeasurementInputContributoryAssetChargesMember" abstract="true" name="MeasurementInputContributoryAssetChargesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_WaymoLLCMember" abstract="true" name="WaymoLLCMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_FairHoldingsInc.Member" abstract="true" name="FairHoldingsInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_EquitySecuritiesWithoutReadilyDeterminableNewInvestment" abstract="false" name="EquitySecuritiesWithoutReadilyDeterminableNewInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="an_NetAssetsOfDisposalGroupCurrent" abstract="false" name="NetAssetsOfDisposalGroupCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_FranchiseRightsMeasurementInput" abstract="false" name="FranchiseRightsMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="an_SuretyBondsLettersOfCreditAndCashDepositsTotal" abstract="false" name="SuretyBondsLettersOfCreditAndCashDepositsTotal" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_PercentageofRevenueCertainStates" abstract="false" name="PercentageofRevenueCertainStates" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="an_ANReportableSegmentsMember" abstract="true" name="ANReportableSegmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_ANReportableSegmentFranchisedDealershipsMember" abstract="true" name="ANReportableSegmentFranchisedDealershipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="an_CompensationExpense" abstract="false" name="CompensationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_SegmentIncomeLoss" abstract="false" name="SegmentIncomeLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="an_FinanceIncomeLossAbstract" abstract="true" name="FinanceIncomeLossAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="an_CorporateAndOtherIncomeAndAdjustments" abstract="false" name="CorporateAndOtherIncomeAndAdjustments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
