National General car insurance coverage
National General offers the following coverage to protect you in the event of an accident. The exact coverage you need will vary depending on your vehicle and circumstances.
Bodily injury liability
If you cause an auto accident, this coverage pays the medical bills for the other people involved. It also helps cover your legal expenses if someone sues you.
Property damage liability
This type of coverage pays for any damages you cause to another person’s property by hitting their vehicle or running into fences, buildings, or another structure.
Collision
Collision insurance pays for damages to your vehicle if you experience an accident, even if you carry the responsibility. However, you’ll have to pay an out-of-pocket deductible before coverage applies.
Comprehensive
Comprehensive coverage reimburses you for losses due to anything other than a collision. For instance, this coverage will kick in if someone breaks into your vehicle and damages your car window.
Medical payments
This coverage pays the medical expenses for you and any passengers involved in an accident, regardless of fault. You can choose the level of coverage for this optional add-on coverage.
Uninsured/underinsured motorist
If you’re involved in an accident with an uninsured or underinsured driver, this coverage protects you and pays the gaps in the other driver’s insurance, up to your coverage limit.
Personal injury protection (PIP)
Though only available in certain states, personal injury protection covers the medical costs for you and any passengers, regardless of who caused the accident.
National General also offers accidental death and dismemberment, roadside assistance, and an auto protection plan. You can speak to an agent to see how much coverage you need to comply with the laws in your state.
How to get a National General car insurance quote
You can use National General’s website to quickly receive an online quote on car insurance. You can also use a quote-comparison platform to compare National General with other insurance companies. That way, you can see rates from multiple insurers in one place.
National General car insurance cost by state
National General costs an average of $240 per month for full-coverage insurance, but car insurance requirements and prices vary depending on the state you live in. The following table shows the average monthly cost of National General in 15 states.
Actual quotes may vary based on the policy buyer's unique driver profile.
National General auto insurance rates by driving history
Car insurance rates also depend on your driving history, including any past speeding tickets, at-fault accidents, or DUIs.[1] For instance, if you have a history of reckless driving, you’ll pay more for auto insurance.
The following table outlines the average monthly costs for drivers with different types of driving records. As you can see below, drivers with a history of DUIs can expect to pay the highest monthly costs.
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
National General car insurance cost by age
Age represents another factor that influences how much you’ll pay for car insurance. Teenagers and drivers younger than 25 usually pay higher rates for auto insurance than older drivers with more experience. The following table shows what National General charges for different ages.
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
National General car insurance discounts
Taking advantage of discounts presents one way to reduce the cost of your auto insurance policy. Learn more about the different types of discounts offered by National General below:
Bundling with home: National General offers a discount to anyone who bundles their homeowners and auto insurance together.
Pay in full: You can earn a discount if you pay your annual premium in full instead of monthly.
Low mileage: Drivers who don’t spend a lot of time driving may earn a low-mileage discount.
Security device: If you install a security alarm or another device in your vehicle to reduce the likelihood of theft, you may qualify for a discount.
Multi-vehicle: Similar to bundling home and auto, this discount lets you save when you insure multiple cars with a single auto insurer.
Safe driver: You can qualify for a discount if you have a history of safe driving.
Paperless: National General also offers a discount to anyone who signs up for paperless statements.
See More: Car Insurance Discount Guide
National General Insurance bundling options
Bundling your car insurance with other policies, like home or renters insurance, can help you save money. As a policyholder, it can make it easier for you to keep track of your coverage and costs. The best way to earn a discount from National General is by bundling your auto and home policies. You can also earn a multi-vehicle discount if you have more than one vehicle to insure. Insurance companies usually offer multi-policy discounts since it increases customer loyalty and reduces administrative costs.
In business since 1920 and one of the largest insurers in the U.S., National General was acquired by Allstate in a $4 billion deal in 2021. The company now has more than 55,000 agents representing it across the country.
National General
