Is National General a Good Insurance Company? Reviews From Over 1,536 Customers

National General’s customers give it an overall score of 3.7 out of 5. National General’s scores tend to be more negative in most categories, but it earns some positive reviews for its customer service, with a rating of 2.8 out of 5.

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4.7 / 517K reviews
Duncan Brown
Writer: Duncan BrownCopy Editor

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Duncan is an insurance copy editor with a producer‘s license for property and casualty in Massachusetts.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor

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  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

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National General Insurance: Rated 3.7 out of 5 by customers

Category
Average Score
Overall experience rating3.7
Customer service2.8
Value3.0
Claims handling3.2
Coverage options3.4
Discounts3.0
Policy transparency3.3
Policy flexibility3.2
Quick Facts
  • National General overall user rating: 3.7 out of 5

  • Insurify Quality (IQ) Score for National General: 7.0 out of 10

  • NAIC complaint index: 2.73 (higher than expected)

  • Average monthly premium from National General: $174

Our take on National General insurance

Insurify gives National General a quality score of 7.0/10. National General has negative ratings in several categories, including policy transparency and discounts.

Insurify’s customers with National General policies have mixed reviews for some categories, such as customer service, where National General has a rating of 2.8 out of 5. National General also has somewhat mixed reviews for its claims handling, with customers giving it a rating of 3.2 out of 5.

National General customer service reviews: Rated 2.8 out of 5

National General has a customer service rating of 2.8 out of 5. Many reviews describe its customer service as frustrating, with several customers expressing difficulty contacting representatives and slow follow-ups. Positive reviews mention helpful, courteous representatives who provide support.

The reviews below show the opinions of real National General customers.

View National General customer service reviewsexpand/collapse
Kenneth
Verified Review
Kenny
Their customer service is great. If I have a problem, I can text or call them.
Pasepa
Verified Review
Trustworthy company
Affordable and excellent service by this lady named Laura.
Hasan
Verified Review
The people are awesome. The insurance is a bit high, but the people I have to deal with make up for it. I wish I could get a little better quote, but still, they gave me the chance I needed, so thank you.
The people are awesome. The insurance is a bit high, but the people I have to deal with make up for it. I wish I could get a little better quote, but still, they gave me the chance I needed, so thank you.
Vivian
Verified Review
They are friendly
The price is affordable.
Cynthia
Verified Purchase
Great company
Always professional.
Maureen
Verified Review
Great Customer Service
Agents are professional and address my concerns.
Lorraine
Verified Review
Take the Bad with the Good
Except for the cost (all are expensive), I've been happy with the service.
Rene
Verified Purchase
Make it affordable
I’m probably paying too much for insurance! But you get what you pay for. I’m very happy with the service, but not happy about how much it costs!
Donna
Verified Review
Pay Attention to Shady Insurance
It was terrible from the very beginning. They kept threatening to cancel my policy if I didn’t pay on time. I had to contact them and ask them to send “thank you for your payment” messages and emails after payments were made to get them to stop. They stopped after that. I couldn’t get in touch with them by phone when I had questions or a problem. If I did get them on the phone, they would transfer me around and no one seemed to know anything. My policy increased without reason. I didn’t even have a vehicle, nor do I drive. My policy was canceled once or twice because they didn’t keep up with the payments. After 6 months was up, I canceled. I couldn’t wait to stop paying them. I’m not getting any more insurance until I get a vehicle.
Richard
Verified Purchase
Fair
It would be nice to speak to a human.
Crafton
Verified Review
I just can't with these folks.
They will cancel your policy for perceived and not confirmed "infractions." I got more emails telling me that my policy was "pending cancellation" for things that I had already done, like submitting my driver's license, and having somebody over 14 in my household that does NOT drive. It was already too expensive for my taste as it was, and suddenly my rate nearly doubles because I mentioned during texting with tech support about my household.
Shariece
Verified Review
I love my current car insurance company as of now. I have 24-hour access for questions via text, and the price for full coverage is budget-friendly.
I love my current car insurance company as of now. I have 24-hour access for questions via text, and the price for full coverage is budget-friendly.
Nicholas
Verified Review
Pretty positive. Customer service could be easier to get through to. Cost could go down for demo
I like the transparency on their online portal.
Vladimir
Verified Purchase
Too Much Deductible
I had a repair that cost about $500, and they told me I have a $2,500 deductible. This is not for me at all! I am dissatisfied.
Jared
Verified Review
Not worth it
Price fluctuates, and there was hardly any communication when payments weren't made. I wasn't getting the lowest price.
Charles
Verified Review
Disappointed in Southern Illinois
I don’t know if the premium amount comes from the company or the agent, but it is outrageous. There was no flexibility even though I have no wrecks, no DUIs, or tickets, plus I’m a veteran. I talked to my agent's office two months ago to inform them I’d be changing if they didn’t reduce the current premium or provide a different company. After two weeks of not hearing back, they finally informed me they’d dropped it by $30. Okay, that’s still about $180+/mo. That new quote was never effectuated. Now I’ve changed not only companies but agents as well!

National General customer service ratings vs. Liberty Mutual and The Hartford

National General’s customer service isn’t one of its strengths, earning a rating of only 2.8 out of 5 and ranking below Liberty Mutual and The Hartford.

Liberty Mutual has a customer service rating of 3.5 out of 5, with some customers highlighting responsive support during the onboarding experience and friendly representatives.

Reviews for The Hartford also skew more positive than National General, with customers consistently describing steady, professional customer support. The Hartford has a rating of 3.4 out of 5.

The chart below provides additional information about how customer service ratings for the three auto insurers compare.

Company
Average Score
National General2.8
Liberty Mutual3.5
The Hartford3.4

National General discounts reviews: Rated 3.0 out of 5

National General scores a 3.0 out of 5 for its discounts, based on ratings from Insurify customers with coverage from the insurer. Many customers feel they aren’t getting particularly good savings with National General, with some characterizing the discounts as limited or unclear.

Positive reviews that mention discounts tend to reference eligibility-based savings, such as senior discounts.

Look at the reviews below to see more specific examples of what real National General customers think of the insurer’s discount offerings.

View National General customer reviews for discountsexpand/collapse
Marti
Verified Review
National General Auto Insurance is good.
National General Auto Insurance company got me all the discounts I was eligible for, and they worked with me to accomplish what I needed. They made everything simple.
Beth
Verified Review
I've been with them for years and they offered me a discount. They're great!
GREAT
Gray
Verified Review
Poor
Ridiculous prices, and no kind of rebates or anything. Biggest waste of money.
Robert
Verified Review
Terrible Decision
Crazy expensive policy, even on a 20+ year-old car, with no deals or discounts.
Alice
Verified Review
They do not appreciate loyalty
We have been National General customers since before 2010, before they changed to National General. Our policy has just been the two of us for at least 6 or 7 years. We are two seniors, both over 70 years old. We do not drink, we rarely drive over 10 miles any day or 50 in any week. I have records of proof. We both have clean driving records and usually go places together. Our vehicles both have alarms and our home also has security. We own our home, and both vehicles are paid for. When I called and asked about discounts, I was told we are not eligible for any. At this point, my policy is over $225 per month! I'm done with them!
Delores
Verified Review
My Opinion
They start with good discounts, then increase the prices in the following billings. The people are nice and knowledgeable, but the problem lies with their pricing.
Brian
Verified Review
Find a cheaper option
Trying to speak to their customer service is way too daunting. The price has gone up from $192 to $219. I have been with them for 2 years and there are no loyalty discounts.

National General discounts reviews vs. Liberty Mutual and The Hartford

Liberty Mutual and National General have similar discount availability scores, with ratings of 3.3 and 3.0 out of 5, respectively. Liberty Mutual customers say that they hoped for greater savings through discounts, while National General customers say that discounts aren’t enough to make up for the overall premium prices. 

Reviews for The Hartford’s discounts are slightly more positive, with customers reporting reasonable savings. The insurer has a discount score of 3.2 out of 5. The chart below shows more information about how customers view each company’s discounts.

Company
Average Score
National General3.0
Liberty Mutual3.3
The Hartford3.2

National General claims handling reviews: Rated 3.2 out of 5

Many customers choose not to rate National General’s claims handling, indicating that they never had to file a claim. Customers who do leave reviews have mixed sentiments. Satisfied customers describe a simple, smooth claims process. But negative reviews say that the experience is difficult and full of delays.

Customers give National General an overall score of 3.2 out of 5 for its claims handling.

Here’s what some customers have to say about National General’s claims handling.

View National General customer reviews for claims handlingexpand/collapse
Robert
Verified Review
Good Enough
Only claims were for the windshield on both vehicles, one of them twice.
Nancy
Verified Review
Go with the best!
I don't have anything bad to say about National General. I had a flat tire while traveling and they sent help immediately. I also had to file a claim on a vehicle I let someone borrow and totaled. The claims department was quick and handled it all smoothly with no problems. What happens next is on me. This insurance company is awesome.
George
Verified Review
National General
It is okay. I had one claim, and it was handled very nicely. No complaints at all.
Gery
Verified Purchase
Invalid claim adjudication by the Nat Gen adjuster
National General may be overcharging me and didn’t have my permanent mailing address on file. I was charged an additional amount when my policy renewed in May 2026 because my notice was mailed to the wrong address. I couldn’t reach customer service due to extended mail times. The adjuster failed to return my calls and did not accurately adjudicate my current claim. I found out from Allstate that my adjuster charged my claim $2,000 for damages I did not cause. I want to file a grievance with the California Department of Insurance and have the adjuster investigated.
Douglas
Verified Review
Poor Service
I had a tow and the representative in Kenosha is never at the office. I had to call the place in Kansas and give them all the information on the tow. Three weeks later, I got a check. Wow.
Mary
Verified Review
Unfortunate Experience
I would consider other options because I didn't take pictures of my car in the snow. Someone sideswiped me while I was out of town, and they won't cover it. Now I have to pay out-of-pocket for $10,000 worth of damage.
Jamin
Verified Purchase
The option if you're out of options.
They only care about what they may have to pay out. They don’t bother to pursue the at-fault party’s insurance and stop responding once they’ve decided you aren’t owed anything. But it’s cheap, so you get what you pay for, I guess.
Ciera
Verified Review
Unsatisfied Customer
I've never had an insurance company that makes me pay for everything and then reimburses me. Why am I paying $200 a month for one vehicle that's 18 years old? The prices are beyond crazy. I sure hope I get reimbursed for the rental I just had to pay out of pocket for.
John
Verified Review
All about money, forget the customer and what should be done!
I had a bad experience since both cars were insured by National General. We were both listed at fault when the other driver was going in the wrong direction in a no-pass zone. Since both cars had the same insurance, they increased the insurance rates on both cars. Poor decision. I'm looking for another company now!
Morris
Verified Review
Wouldn't wish them on my enemy.
Although I pay for roadside assistance, when the time came that I needed it, I was still forced to pay out of pocket with no reimbursement. Also, they're too expensive.
Jennifer
Verified Review
Horrible experience especially with claims department
Horrible. Overpriced. My daughter was driving my car and hit a parked car. There was very minimal damage to the other person's car. My insurance almost doubled, going from $560 a month for 3 cars to $900. Ridiculous!

National General claims handling ratings vs. Liberty Mutual and The Hartford

The Hartford’s claims handling rating is higher than those of Liberty Mutual and National General. Liberty Mutual has a customer rating of 3.6 out of 5, and National General has a rating of 3.2 out of 5.

The chart below shows general customer sentiment around claims handling.

Company
Average Score
National General3.8
Liberty Mutual4.1
The Hartford3.4

National General value for money reviews: Rated 3.0 out of 5

Customer reviews about National General’s value skew negative, but the company has a value-for-money rating of 3.0 out of 5. A common negative sentiment is that although prices often start at a reasonable cost, they steadily increase until they’re no longer worth it.

Positive reviews usually come from customers who feel that the price is acceptable when compared to other insurers.

Here’s what some real customers think about National General’s value for money.

View National General customer reviews for value for moneyexpand/collapse
Vivian
Verified Review
Excellent care for car insurance needs!
Best price in Monroe, NC.
Joseph
Verified Review
Insurance with National General
They have been very nice to deal with and very fair in their pricing.
Faye
Verified Review
Rate
They have the cheapest rates around, and believe me, I've checked a lot of others.
Lisa
Verified Review
National General is an excellent Auto Insurance Provider
Excellent. They are very cost-effective, diligent, timely, courteous, polite, and professional. 10 stars!
Samantha
Verified Purchase
I was really pleased with the pricing and the customer service
Great
Alfonso
Verified Purchase
National General Great Rates for Liability Auto Insurance
I am on a fixed income, and National General gave me a good quote. Now I'm with National General for liability insurance for my vehicle. Great rates!
Sonja
Verified Review
Great insurance company
They are one of the most inexpensive insurance companies.
Joel
Verified Review
General
My current car insurance is cheaper and better, and they aren’t going to drop me because I didn’t send proof of address when they asked for it. General was not a good experience for me.
Joy
Verified Review
Joy's High Insurance
High premiums with no added protection to explain the cost.
Michelle
Verified Review
For quick coverage, sure...
You can find better packages without agent fees attached.
Richard
Verified Review
Just costs too much
It’s just too expensive. Allstate quoted me $171 for full coverage on my Jeep, which is less.
Kathleen
Verified Review
Tired of Paying Highest Premiums in the Country
Year 4, every year the cost increased... no increase in benefits.
Melissa
Verified Review
It's okay, but my premium could be cheaper
I like National General Insurance, but I don't think that I should be paying so much for this insurance. I hope that I can get a cheaper rate, or else I'm going to have to find another company. Thanks.
Lori
Verified Review
When I first got insurance with The General, they were cheap, low-quality insurance (like over ten years ago), and now they are one of the more expensive options for the money. Don't get me wrong, everyone there is always great.
When I first got insurance with The General, they were cheap, low-quality insurance (like over ten years ago), and now they are one of the more expensive options for the money. Don't get me wrong, everyone there is always great.
Stephanie
Verified Review
Overpriced
National General is overpriced. I saved $140 a month by switching to Progressive and have the exact same coverage.

National General value for money ratings vs. Liberty Mutual and The Hartford

The Hartford ranks higher than National General and Liberty Mutual in terms of value, earning a score of 3.3 out of 5. Liberty Mutual has a similar rating to National General, with a value-for-money score of 3.0 out of 5. Both Liberty Mutual and National General face criticism for having reasonable initial prices but raising their costs over time.

The chart below shows how real Insurify customers feel about each company’s value.

Company
Average Score
National General3.0
Liberty Mutual3.0
The Hartford3.3

National General policy transparency reviews: Rated 3.3 out of 5

National General has a transparency score of 3.3 out of 5. Negative reviews mention confusion about what their policies cover and why prices change. Customers leave positive reviews when agents or support representatives clearly explain their policy details.

The reviews below are from real Insurify customers who have used National General.

View National General customer reviews for policy transparencyexpand/collapse
Robert
Verified Review
Overpriced and overrated. I’ll be switching to Farmers and/or Progressive Direct. It’s just outrageous—I can’t get any clarity.
Overpriced and overrated. I’ll be switching to Farmers and/or Progressive Direct. It’s just outrageous—I can’t get any clarity.
Jesse
Verified Review
Don’t get National General
Don’t get National General because they’ll charge you half your renewal payment if you cancel before it ends, and they billed you after you canceled.
Sonya
Verified Review
Poor Experience with This Insurance Company
My experience was not good. They were not a good insurance company. I don't like this insurance company; everything is poor. They did not communicate and took money out of my account days before it was due. They raised my insurance to more than it should have been. Not good.
William
Verified Review
Mad customer
Not happy. The price changed two times from the original quote, with no tickets or accidents. The policy changed over $150. I was paying $79 monthly, and after 3 months it changed to $103 with no explanation. Not happy.
Shane
Verified Review
Crappy Insurance Company Rating
If you have no accidents or claims, then this insurance is OK. I had one accident and had to tow a car due to a flat tire. They changed their policy and decided not to renew our insurance, even though last year they renewed it with all of these items on my record. When I asked what happened and why they were counting a tow as an insurance point, they had no answer other than, “We changed our policies.” They only gave me about 45 days to find new insurance.
Michael
Verified Review
Unexpected Rate Increase
They increased my premium by $70.00 a month without any explanation.
Jacolya
Verified Review
6 out of 10, I might or might not recommend
They don't have any grace days, so if you miss a payment, they'll lapse your coverage the day after the payment is due. My experience overall was below average.
Mary
Verified Review
Don't like them
Too much money and I was 1 day late (it was the weekend). They charged a late fee.

National General policy transparency ratings vs. Liberty Mutual and The Hartford

National General has a policy transparency rating of 3.3 out of 5, ranking below The Hartford but slightly above Liberty Mutual. Customers view The Hartford as more transparent than National General and Liberty Mutual, earning a transparency score of 3.7 out of 5. Liberty Mutual has the lowest rating of the three from Insurify customers, at 3.4 out of 5.

The chart below gives more information about how customers rate transparency for these three insurance companies.

Company
Average Score
National General3.3
Liberty Mutual3.4
The Hartford3.7

National General Customer Reviews: Read what over 1,536 Insurify customers have to say about National General

The following reviews are from real Insurify customers who have recently been insured by National General.

Mike
Verified Review
Great Company!
Great value.
Rosalinda
Verified Review
Cheapest Insurance Yet!
Not very interactive, but the overall experience is good.
Ronnie
Verified Review
Insurance Experience
I always wish it were cheaper, but I have no complaints about the insurance.
Bart
Verified Purchase
Rating
I would recommend National General.
Penelope
Verified Review
I love my insurance company; the price needs to be lower, but instead it increased
Awesome.
Kimmi
Verified Review
I’m paying high premiums for accidents that weren’t mine, but my husband’s. Also, don’t buy a red vehicle because you’ll pay more for it.
I’m paying high premiums for accidents that weren’t mine, but my husband’s. Also, don’t buy a red vehicle because you’ll pay more for it.
Ronnie
Verified Review
Concerned Senior
It's okay, but I'm always looking for something cheaper.
Rebecca
Verified Review
Excellent service
I would tell a friend to get the insurance because they're great at helping you out. They try their best to get you the cheapest or the best insurance for you and your income. I would recommend it very well.
Lisa
Verified Review
Affordability
I wish it was more affordable.
James
Verified Review
Belt Fastening Release
Very reasonable, fair, and convenient.
Lorelei
Verified Purchase
Cheap and Great Service
Cheap monthly payments and great service.
Amber
Verified Purchase
Satisfied
They have been great and very loyal.
Sandra
Verified Purchase
No issues and great price
I have had no encounters with them.
Joseph
Verified Review
Helen
National General is a very good insurance company and easy to sign up with.
Denise
Verified Review
Feeling like I'm treated unfairly!
I feel National General is a kind and fair insurance company. I really need full coverage, but it's out of my price range. I wish they would offer people who have one reckless driving incident a better deal, as I was innocent. My daughter even took the stand and stated that I didn't drive recklessly, and I did not even touch her door knob, yet six jurors found me guilty. I live every day knowing I didn't, nor do I deserve to be treated unfairly. Not everyone is guilty of a crime!
Mary Lou
Verified Review
Car Insurance
Could be cheaper, but overall it’s okay.
Sharon
Verified Review
Fair
Would not recommend; too expensive.
Stewart
Verified Review
Meh Insurance Company
It’s too expensive for me because of my past accidents.
Jennifer
Verified Review
Senior citizen rates too high
Too expensive for a senior citizen who drives very little.
James
Verified Review
Fair
Better options. Lower comprehensive rates.
Kevin
Verified Review
Dissatisfied
My premium doubled in 3 years. Bait and switch is their sales strategy.
Carla
Verified Purchase
Price
They raised rates after one month. Not good.
Dashiekah
Verified Review
Company Needs Work to Be More Consumer-Friendly
Very disappointed in the fact that there's no grace period.
Mathew
Verified Review
Poor
Much better, cheaper, and lenient with payment.
Zina
Verified Review
For liability only, the price is too high
The prices are too high.
William
Verified Review
Overpriced Insurance
The cost of insurance is way too high. I drive about 5,000 miles yearly on all three vehicles.
Melissa
Verified Review
Tired of the High Prices and Badgering!
I pay my bill on time and they are always badgering me to pay the next month's bill before it's even due! Also, they keep increasing the rates and I'm not getting any more benefits for the increase. I'm a senior citizen and should get a better rate because of my excellent driving record. When my policy renews at the end of March, I'm changing insurance companies ASAP!
Douglas
Verified Review
After I paid $1800 for home and auto insurance, I waited for the proof of insurance for my truck, and it never came. To this day, I don't have proof after three attempts to get it. The representative in Kenosha, WI, was supposed to send it to me but did not. I don't think I will be renewing with them again as I found another carrier online that will give me the same auto and home insurance for $1700. Goodbye.
After I paid $1800 for home and auto insurance, I waited for the proof of insurance for my truck, and it never came. To this day, I don't have proof after three attempts to get it. The representative in Kenosha, WI, was supposed to send it to me but did not. I don't think I will be renewing with them again as I found another carrier online that will give me the same auto and home insurance for $1700. Goodbye.
Kelly
Verified Review
They require so much info and proof from everyone living in the residence, and they are way too expensive
I've been with them multiple times, no claims, no tickets, and still my insurance increases! I'm getting new insurance today.
Delbert
Verified Review
General is way too high
Terrible, they are charging me too much. I'm 58 with no accidents, and they want $161.00 to renew.
Suzanne
Verified Review
National General Review
They are more expensive than Progressive. I should have shopped more before renewing with them yesterday.
Kelly
Verified Review
Too Expensive!
I'm switching because my insurance is already way too high for liability only. I haven't had any claims or traffic violations, and they are raising it another $50 a month.

National General vs. Liberty Mutual, The Hartford, and Travelers

See how ratings from Insurify customers compare for National General, Liberty Mutual, The Hartford, and other insurers below.

National General logo
Liberty Mutual logo
The Hartford logo
Travelers logo
Nationwide logo
American Family logo
Average price
$131/mo*
Average price
$167/mo*
Average price
$184/mo*
Average price
$144/mo*
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N/A
Average price
$121/mo*
Overall rating
Overall rating
Overall rating
Overall rating
Overall rating
Overall rating
Value for money
Value for money
Value for money
Value for money
Value for money
Value for money
Customer service
Customer service
Customer service
Customer service
Customer service
Customer service
Claims handling
Claims handling
Claims handling
Claims handling
Claims handling
Claims handling
Special highlight
AI-generated from 1536 user reviews
SR-22 insurance
Special highlight
AI-generated from 4421 user reviews
Numerous discounts
Special highlight
AI-generated from 1965 user reviews
Senior drivers
Special highlight
AI-generated from 1826 user reviews
Numerous discounts
Special highlight
AI-generated from 1029 user reviews
Usage-based savings
Special highlight
AI-generated from 665 user reviews
Outstanding customer service
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
User Review Collection and Methodologyexpand/collapse

Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify. These users complete an optional survey asking them to review their experience with their current insurance company and to rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.

Duncan Brown
Writer: Duncan BrownCopy Editor

Qualifications:
  • 5+ years of editing experience

  • 4+ years of experience in print and digital media

  • NPN: 22341021


Duncan is an insurance copy editor with a producer‘s license for property and casualty in Massachusetts.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.