National General Insurance holds the distinction of being the only insurance company in the U.S. to start out as part of an automobile manufacturer. The company was initially founded by General Motors as GMAC, a financing and insurance provider for its dealerships. Eventually, it emerged from GM’s shadow as the renamed National General.
Who Benefits Most and Least from National General Insurance?
- People who can qualify for lots of discounts
- Owners of GM vehicles and/or RVs, who get significantly reduced rates
- Drivers with below-average annual mileage and an OnStar subscription
Not the Best For…
- Customers who want the lowest possible prices
- Drivers looking for the best customer service in the industry
National General: High Rates, but Great Discounts
One area where National General shines is its plethora of discounts. While its basic insurance premiums aren’t the lowest in the industry, after factoring in National General’s available discounts, you can get great deals on auto insurance.
National General offers all the usual auto insurance discounts, plus some quirky ones that can really ratchet down premium costs. For example, because National General began as a General Motors company, it offers a special discount to insure GM vehicles. National General is also one of the biggest RV insurers in the country thanks to its exclusive contract with Good Sam (an RV club). To further encourage RV owners to sign up, insuring both your car and your RV through National General gets you an extra-large multi-policy discount of up to 20 percent.
National General’s customer service performance is lackluster, according to most surveys and reviewers. However, the company does provide 24/7 claims service—a reassuring thought for drivers who worry about 3 AM crashes.
National General Car Insurance Ratings
J.D. Power Ratings by Region (out of 1,000)
Region Ratings State Average
Southeast 810 The rest
Company Name Ratings
A.M. Best A-
National General Car Insurance Quotes and Discounts
You might think shopping for insurance means buying the cheapest option you can find, but if you’re not checking for discounts, you might not be saving as much as you think. Pick a policy with lots of available discounts, and a seemingly costly premium could end up being the best deal of the bunch.
Make sure you use Insurify when shopping for your car insurance policy—it makes sure you’re aware of any discounts for which you’re eligible and lets you compare quotes between several insurance companies!
Auto Insurance Quotes Comparison: National General vs. Competitors
Insurify’s data team collected rates for the profile of a 30-year-old woman living in Houston, Texas, with a clean driving record. These are her rates:
We then compared her insurance rates if she were to have a speeding ticket for going at 75 mph in a 50 mph zone:
We also compared her rates if she were to have an at-fault accident on her driving record:
In this case, National General’s rates are somewhere between those of Progressive and GEICO. National General’s rates are mostly on par with those from Progressive, but much lower than those from GEICO.
But then again, you never know which insurance company could give you the best deal for the best price. Just because National General offers reasonable rates for this driver profile doesn’t mean it’ll have the same rates for you. This is why you should always compare quotes online by using comparison websites like Insurify, which let you compare rates across 10+ companies.
Drivers Can SAVE with these Discounts from National General
National General offers discounts for people with multiple vehicles; those who drive cars with anti-theft devices, anti-lock brakes, or low mileage; policyholders who bundle multiple policies; good drivers; those who pay for their policy in full; and members of specific organizations or affinity groups. These discounts vary in percentage, and you should check in with a National General agent to learn more about your discount eligibility.
States Where National General Car Insurance is Offered
National General auto insurance is available in all 50 states.
Insurance minimums and coverage vary in every state, so you should look up the details for National General policies offered in yours:
National General Auto Insurance Coverages
National General offers policyholders the following types of insurance as part of their “standard” car insurance coverage.
National General offers customers both property damage and bodily injury liability, which are mandatory in most states. These cover you if you’re at fault in a car accident and need to pay for medical bills and property damage sustained by the other driver. For example, if you were at fault in a car accident with another car, National General would pay for the damages to the other vehicle. If you were to crash into someone’s fence or mailbox, National General would pay for that, too.
Comprehensive and collision coverage
These types of car insurance coverage pay for damage to your vehicle, whether the damage is your fault or someone else’s. Collision coverage pays for damage that occurs when your vehicle hits something else (be it another car or something like a tree). Comprehensive coverage is for any type of covered damage that’s not the result of a collision: for example, if your vehicle is stolen or vandalized.
Uninsured and underinsured motorist coverage
What happens if you’re in an accident that’s someone else’s fault, but that person doesn’t have enough insurance coverage to pay for your vehicle repairs or medical expenses? In that case, National General’s uninsured or underinsured motorist coverage can help. If you’re hit by someone who has no insurance coverage, or you’re the victim of a hit-and-run, uninsured motorist coverage would apply. Underinsured motorist coverage, not surprisingly, is for accidents where the at-fault driver has some insurance coverage, but not enough to pay for all the expenses. Some states require this coverage on your auto insurance policy, while others consider it optional.
Medical Payments Coverage
If you’re involved in an accident, National General’s medical payments coverage will help pay your medical expenses, legal fees, and any emotional distress the accident caused you. Medical payments coverage is not intended as a replacement for health insurance, but it can complement your existing health insurance coverage. For one thing, your health insurance will help with your medical costs from an accident, but it won’t do a thing for your passengers, whereas your medical payments coverage extends to everyone in your vehicle.
Personal Injury Protection Coverage
National General offers Personal Injury Protection (PIP) coverage as your state requires. If you’re a resident of a no-fault accident state, you’re required to have either medical payments coverage or PIP coverage. PIP covers your medical payments in the long-term aftermath of your accident, not just the immediate aftermath. This means if you or your family members sustained injuries that require regular hospital visits and rehabilitation, PIP would cover those costs. PIP tends to cover more expenses than medical payments coverage does, but unlike medical payments coverage, you’ll have a deductible to meet. Check to make sure you’re comfortable with the level of PIP coverage before purchasing your insurance policy.
The following are optional coverages that are available as add-ons to a standard National General car insurance policy:
Towing and Labor Coverage and Roadside Assistance
National General offers basic roadside assistance that includes roadside service, towing, and gas delivery. You can also get a full-scale 24/7 roadside assistance package as part of the National General Motor Club. Members get 24-hour roadside assistance if you’re stranded on the road because you ran out of fuel, locked your keys in the car, need your tire changed, need your battery revived, or need your vehicle towed to another place. If you’re in an accident while you’re out of town, you can get up to a $750 emergency expense reimbursement to cover meals, lodging, and similar expenses. You’ll also get some familiar motor club perks like free maps, discounts at hotels and restaurants, and an online trip planner. If you’re a member and need roadside assistance, call 1 (800) 997-6651.
Rental Car Reimbursement
With the SmartDrive program, National General will pay for your Enterprise Rent-A-Car for up to 45 days. Note that you must have both comprehensive and collision coverage to purchase the SmartDrive coverage, and it’s not available in all states.
Other Special Auto Coverages Offered by National General Insurance
National General lets you purchase accident forgiveness as an add-on to your insurance coverage. If you buy this coverage, your premium price won’t increase after your first at-fault accident, as it typically does if you get into an accident. To purchase this coverage, you’ll need to meet specific qualifications.
National General has a whole suite of optional coverages that help in various ways after an accident. For example, SmartInspect will send an expert to inspect your vehicle repairs and confirm they’re up to snuff. SmartValet sends someone to pick up your damaged vehicle after you file a claim and drop off a rental car for you. SmartReplacement deploys someone who will help you find the new or used vehicle you want to buy after your current vehicle is totaled, and can also get you a special GM discount.
Other Insurance Products Offered by National General Insurance
Dwelling protection, personal possession protection, liability coverage, and loss of use coverage are standard inclusions for homeowners insurance policies provided by National General. You can also tack on coverage for guaranteed and extended replacement coverage, sustainable materials restoration, valuables coverage, and identity theft insurance.
If you rent rather than own your home, National General can provide renters insurance that includes personal property coverage, liability coverage, loss of use coverage, and medical payments coverage.
If you drive from the USA into Mexico, your typical auto insurance policy may not meet the Mexican legal requirements. National General can get you covered during your trip through its partnership with Mexican insurance provider ABA Seguros.
National General’s motorcycle insurance coverage is quite similar to its auto insurance plans. Standard coverage includes collision, comprehensive, and liability coverage. Medical expense coverage and uninsured/underinsured motorist coverage are also available.
RV insurance is typically a cross between auto insurance and homeowners insurance. National General’s standard RV insurance package includes coverage for collision and comprehensive damage, liability coverage, personal property coverage, and the like. Optional RV insurance coverages include full replacement cost coverage, permanent attachment coverage, specialized equipment coverage, storage savings, complete general liability (for RV owners who live in their RVs more than half the year), and more.
How Can I Buy Auto Insurance from National General?
You can purchase National General’s car insurance by calling a National General agent at a local insurance agency; there’s a search tool on their website. Alternatively, you can visit National General’s website for a quote.
Remember to compare quotes before you make a decision by using a website like Insurify, which lets you compare up to 20 quotes at a time!
How Can I Pay for My National General Car Insurance Policy?
National General accepts several methods of payment, including paying online, by phone, or through your bank’s bill payment system. If you pay your premium in full, you’ll get a special discount.
Credit card or bank account
You can log in to your National General account and pay with your credit card or your checking or savings account. Alternatively, National General allows you to skip the login and use its QuickPay tool if you provide your policy number and last name.
Through your bank
You can sign up for online payments through your bank by using your National General account number. To get set up, you’ll also need your bill amount and due date. Once you’ve completed the setup process, you can easily make future payments through your bank’s bill pay system.
You can set up electronic monthly payments from your bank account or debit or credit card. Speak with your agent or call 1 (888) 293-5108 to get started.
Call 1 (888) 293-5108 to pay for your policy over the phone; you’ll need your policy number to proceed. Customer service agents are available from 8 AM to 9 PM Eastern time on weekdays and 9 AM to 7 PM on Saturdays.
How Often Will National General Increase My Premiums?
If you get into an accident…
Even safe drivers can get into unfortunate situations, and most of the time, getting a ticket or a violation on your record will lead to premium increases. You can apply for accident forgiveness coverage on your National General auto policy, and then your premium won’t increase if you have an accident. However, if you get into an accident and don’t have accident forgiveness, your premium will most probably increase—even if you weren’t at fault.
If you’re a loyal customer…
Many National General policyholders complained of price hikes even though they had maintained clean driving records. It’s wise to compare rates with other insurance providers every time your policy is up for renewal, even if your rates with your existing insurer don’t change.
If you file a claim…
The number of claims you file will also impact your National General premiums. If you file a claim, even for an accident where you weren’t at fault, your National General rate will probably increase.
How Does National General’s Claims Process Work?
You can file a claim online in the National General Claims Center. You can even file a claim for someone else if you know their policy number, without creating an account on the website.
You can also call 1 (800) 468-3466 if you would rather speak to a representative.
Finally, chat agents are available in the Claims Center if you prefer to file your claim that way. Once you’ve filed a claim, you can manage and track its progress online by entering the claim number and policy number.
How Can I Cancel My National General Car Insurance Policy?
You can call your local agent or speak with a National General representative at 1 (888) 293-5108 to cancel your policy.
Cancellation fees vary by state and policy, so you should consider canceling your policy at the end of the policy period to avoid such charges. Make sure you already have another insurance policy lined up for your car, so there are no gaps in your insurance. You’ll also want to hold off on canceling your plan until you have your proof of insurance letter.
Use an insurance comparison website like Insurify to find and compare auto insurance quotes for free.
How Much Does Uber/Lyft Coverage Cost with National General?
National General doesn’t currently offer rideshare insurance outside of a few small test areas. Contact your National General agent to see if this coverage happens to be available in your city.
Insurance Companies Similar to National General
According to Insurify’s internal database of over 1.9 million car insurance applications and our analysis of external sources, policyholders with the following companies most often switched to National General car insurance:
Drivers who used to hold National General car insurance most often switched to the following companies:
National General Car Insurance Customer Satisfaction and Policyholder Reviews
Customer reviews for National General are generally mediocre. Some reviewers complained about National General’s handling of the claims process, while others said they were dropped from their policy after they filed a claim.
However, a few loyal National General policyholders did have good things to say about its low prices and friendly staff.
National General does have an A+ rating with the Better Business Bureau and is accredited by the BBB. That means that although you may not be happy with the customer service National General provides, you can be reasonably sure that they’ll at least respond to complaints.
Frequently Asked Questions: National General Car Insurance
Does National General have good insurance?
National General is a good option for car insurance if you're a good driver qualifying for several discounts, if you plan to get multiple policies (especially RV owners), and if you have a GM vehicle or Onstar service so that you can claim special price breaks. It might not be a good option if you're looking for an insurance company with excellent customer service or the smoothest claims process. National General tends to be an expensive alternative if you don’t qualify for its discounts.
How do you know if National General is the cheapest car insurance in your area?
Shop around for insurance with an auto insurance quotes comparison site like Insurify to have a look at all the cheapest car insurance quotes and discounts for which you may be eligible. You can never rely on one insurance company to give you the best or the cheapest quote. Different insurance companies use different factors to set their rates, so even if a particular insurance company gave your friend a great rate that doesn’t mean it will be the best deal for you. Insurify helps you compare auto insurance quotes in a matter of minutes. All you have to do is put in some basic information about your driving profile, and you can compare up to 20 free quotes at once.
The best way to get cheap car insurance
You can never rely on one insurance company to give you the best or the cheapest quote. Just because National General gave your friend a cheap quote doesn’t mean you will get the same one. That’s why you should consider shopping around for insurance by using quote comparison websites like Insurify, which help you compare auto insurance quotes in a matter of minutes. All you have to do is put in some basic information about your driving profile, and you can compare up to 20 free quotes at once!
National General Auto Insurance Overview
National General Insurance began as the General Motors‘ Motors Insurance Company (founded in 1925 to insure GM vehicles). GMAC Insurance Group, the holding company that owned Motors Insurance Company, acquired life insurance company Integon in 1997. GMAC became National General Insurance Company in 2013. National General Holdings is based in New York City, while National General itself has headquarters in Winston-Salem, North Carolina.
Specializing in property and casualty insurance policies, National General offers personal auto insurance, RV insurance, motorcycle insurance, commercial auto insurance, and homeowners insurance to policyholders across the United States. It works exclusively with a nationwide network of independent insurance agents.
A.M. Best, a credit rating company that assesses the financial strength of insurance companies, gives National General an “A-,” denoting excellent financial health and ability to pay out claims.
National General Contact Information
Customer service phone number 1 (888) 293-5108
Claim filing phone number 1 (800) 325-1088
Claims service phone number 1 (888) 233-4575
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Headquarters address National General Insurance, 5630 University Pkwy, Winston-Salem, NC 27105
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