National General Auto Insurance: User Reviews and Quotes (2024)

National General offers low rates, multiple discounts, and excellent financial strength, but it has below-average customer satisfaction rankings.

Kim Porter
Written byKim Porter
Kim Porter
Kim Porter
  • Co-authored the book “Future Millionaires’ Guidebook”

  • 13 years writing personal finance content

A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated November 27, 2024

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National General operates out of Winston-Salem, North Carolina, and provides different types of auto insurance in all 50 states and Washington, D.C. The company offers several potential discounts and customization options for its personal auto insurance policies, along with special benefits, like an emergency expense allowance.

The average cost of car insurance from National General is $86 per month for liability-only coverage and $171 for full coverage.

Here’s what you need to know about National General Insurance, including coverage options and availability.

Quick Facts
  • National General has a network of 55,000 independent agents nationwide.

  • Allstate is National General’s parent company.

  • National General Insurance has a much higher-than-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) for a company of its size.

How National General compares to other insurance companies

Compare personalized, real-time quotes
User Reviews
2.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$171/mo

National General Insurance has lower rates compared to its closest competitors. The company has similar customer service offerings to competitors, but it has better financial strength and more coverage availability and discounts.

Below, you can learn more about how National General compares to similar companies, like Amica, Bristol West, Direct Auto, and Mercury.

Pros
  • Non-standard policies for high-risk drivers

  • Multiple add-on choices

Cons
  • Numerous online complaints

  • Quotes may be higher than some competitors

Read more driver reviews of National General
Jerixon M - November 25, 2024
Verified

Expensive Insurance

I find National General to be too expensive.

Brianna - November 25, 2024
Verified

Inconsistent Payment Amounts

The payment amount changes every week. I've only had the insurance for a month and they initially gave me a false price.

Jahmon - November 14, 2024
Verified

The Greatest

Excellent.
Factor
How National General Compares
RatesCheaper
Customer serviceSimilar to competitors
DiscountsMore than competitors
AvailabilityMore than competitors
Financial strengthStronger than competitors

How National General rates compare to competitors

National General has cheaper average rates than similar competitors. See how average full-coverage costs from National General compare to other insurers below.

Full-Coverage Rates by Insurance Company

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.

Average cost of National General auto insurance

The average cost of car insurance will depend on your driving record, age, and more.[1]

Drivers with clean records typically pay the lowest rates, while people with past driving incidents — like a DUI conviction — typically pay higher average premiums. 

Teen drivers pay the highest rates due to their lack of driving experience. Senior drivers pay much lower rates than teens and younger drivers, but drivers 70 and older may face increased rates due to aging-related risk factors.

See how National General car insurance rates for liability coverage compare to the national averages by driving record and age.

Driver
National General Average Quote
National Average
Drivers with a clean record$86$104
Drivers with a speeding ticket$104$145
Drivers with an at-fault accident$109$151
Drivers with a DUI$142$171
Teen drivers$193$193
Senior drivers$60$80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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National General car insurance cost by state

While National General offers competitive rates, prices may vary in each state because of different car insurance requirements. Prices also vary by city and ZIP code due to factors like traffic congestion, population, crime rates, accident rates, and more.

The following table compares the average National General premium for liability coverage to average statewide premiums.

State
National General Average Quote
State Average
Alabama$53$60
Arizona$84$92
Arkansas$94$121
California$132$140
Colorado$147$95
Connecticut$274$226
Delaware$278$157
Florida$53$60
Georgia$183$152
Idaho$54$69
Illinois$79$79
Indiana$80$72
Iowa$50$57
Kansas$77$79
Kentucky$87$171
Louisiana$93$133
Maine$75$86
Maryland$191$204
Minnesota$68$104
Mississippi$64$91
Missouri$96$99
Nebraska$55$93
New Mexico$55$69
North Carolina$63$55
Ohio$91$73
Oklahoma$74$86
Oregon$93$100
Pennsylvania$66$93
South Carolina$162$169
Tennessee$89$73
Texas$124$120
Utah$90$108
Virginia$95$101
Washington$83$76
Wisconsin$89$64
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. South Dakota excluded due to lack of data.

National General car insurance discounts

Car insurance discounts can help you lower your monthly costs, so it makes sense to choose an insurance company that offers auto insurance discounts that provide the best deal.

Depending on your specific needs, you may qualify for the following National General discounts and save money on your car insurance policy:

  • Bundling

  • Pay-in-full

  • Low mileage

  • Security device

  • Multi-vehicle

  • Safe driver

  • Paperless

How customers feel about National General

National General has a strong financial rating of A+ (Superior) with the credit-rating agency AM Best. But the insurer has earned very low ratings from customers and in third-party industry rankings.

Trustpilot reviewers have given the company a rating of 1.7 out of 5 stars. Some customers left negative responses about the company’s claims handling and poor customer service.

The negative online reviews align with National General’s above-average number of complaints filed with the NAIC for the company’s size. Additionally, National General has a low average customer satisfaction ranking in the J.D. Power 2024 U.S. Auto Insurance Study.[2]

National General customer reviews

Reviews provide valuable information about how a company interacts with its customers and handles issues. The following user experience reviews are from real, verified National General Insurance customers.

Jerixon M - November 25, 2024
Verified

Expensive Insurance

I find National General to be too expensive.
Brianna - November 25, 2024
Verified

Inconsistent Payment Amounts

The payment amount changes every week. I've only had the insurance for a month and they initially gave me a false price.
Jahmon - November 14, 2024
Verified

The Greatest

Excellent.
Mike - November 6, 2024
Verified

Too expensive

The monthly cost should be lowered.

National General ratings

Reviewing insurance industry ratings can help you gauge a car insurance company’s performance in key areas. Third parties can objectively rate a company’s financial strength, customer service track record, and claims handling process.

Learn more about National General Insurance ratings from AM Best, J.D. Power, and the NAIC below.

Rating
Score
What This Means
AM BestA+ (Superior)Superior ability to meet financial obligations
J.D. Power596 out of 1,000 pointsBelow average
NAIC Complaint Index5.93Far higher than expected
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 coverage options

National General Insurance offers liability-only car insurance and full-coverage car insurance policies. You may want to purchase more than your state’s minimum insurance requirements for added vehicle protection and peace of mind.

In addition to standard collision and comprehensive insurance, National General advertises the following optional auto insurance products on its website:

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance coverage often includes services like towing, tire changes, and fuel delivery in the U.S. and sometimes Canada. National General also includes an emergency expense allowance, which provides up to $500 for food, lodging, and travel expenses after a covered claim.

  • illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

    Rental reimbursement

    Rental car insurance pays for a rental car if you have to temporarily leave your vehicle in a shop for repairs after a covered claim.

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Lifetime repair guarantee

    When you have your car repaired at an affiliated Gold Medal Repair Shop, National General guarantees the repairs for the lifetime of the vehicle.

Other options for National General customers

In addition to car insurance, National General Insurance offers the following types of insurance policies:

  • Home insurance: After a destructive event, a homeowners insurance policy pays for expenses like replacing your belongings and can cover the total loss of your home.

  • Flood insurance: Homeowners and renters insurance policies don’t cover flood-related losses to your dwelling and belongings, but a flood insurance policy will. It will also pay for you to live elsewhere while your home needs repairs after a covered claim.

  • Condo insurance: Condo insurance typically covers the interior of your condo unit, liability costs, and additional living expenses.

  • Renters insurance: Renters insurance covers your belongings and personal liability when you rent your home. Your landlord will be responsible for insuring the structure.

  • Motorcycle insurance: This covers your motorcycle against theft and damage, as well as giving financial protection if you cause an accident while riding.

  • Recreational vehicle (RV) insurance: RV insurance typically covers large vehicles like campers, travel trailers, golf carts, and more.

  • Collectibles insurance: Collectibles insurance is a separate endorsement or rider on your homeowners insurance policy that provides higher coverage limits for special items.

  • Personal umbrella insurance: Umbrella insurance is an optional endorsement on your homeowners insurance policy that pays for losses if they exceed your coverage limits.

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How National General DynamicDrive works

DynamicDrive is a telematics program from National General. The company monitors certain behind-the-wheel behaviors and bases your premiums on your driving habits. The company says you can qualify for a 10% discount just for signing up.

Once you install the smartphone app, it collects the following data:[3]

  • Time of day you drive

  • Whether you handle the phone while driving

  • Hard and extreme braking

  • Speeding at or above 80 mph

The program is a good option for anyone looking to save money on their premiums, though high-risk drivers may see their rates increase.

National General insurance FAQs

The following information can help you decide whether National General is a good fit for your auto coverage.

  • Is National General legitimate?

    Yes. National General Insurance is a legitimate company with an AM Best financial strength rating of A+ (Superior). But the NAIC has received many more complaints regarding National General than other car insurance companies of the same size.

  • What is the average cost of National General car insurance?

    On average, National General policyholders pay $86 per month for liability insurance and $171 for full-coverage insurance. How much you pay for coverage depends on a number of factors, including your driving record, age, credit history, and more.

  • Is National General good at paying claims?

    Yes. National General Insurance has a superior ability to meet its ongoing insurance obligations, according to its A+ financial strength rating from AM Best. But existing complaints from customers online point to a long history of poor claims experiences.

  • How do you cancel your National General insurance policy?

    Before canceling your car insurance policy, you should have another policy in place to avoid a coverage lapse. Once you’re ready to cancel, you can make phone calls to the company directly or one of the insurance agents who work with National General. You may need to provide your policy number and personal information to confirm your identity. 

    Before officially canceling your policy, ask whether the company will charge you a cancellation fee and how you can receive any refund owed to you.

  • Does Allstate own National General?

    Yes. Allstate purchased National General Insurance in 2021.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
  3. National General. "DynamicDrive FAQs."
Kim Porter
Kim Porter

Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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