Car Insurance
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Allstate vs National General Car Insurance
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Last Updated: January 2022
Ratings
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Allstate
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National General
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Allstate VS National General
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User Ratings
| Options | Allstate  | National General |
|---|---|---|
| Rating/Reviews | 1,114 reviews | 210 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | Allstate | National General |
|---|---|---|
| Call Center Representative | About average | -- |
| Insurer Website | The rest | -- |
| Local Agent | About average | -- |
| Overall Satisfaction | The rest | -- |
| Policy Offerings | The rest | -- |
| Pricing | The rest | -- |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | Allstate | National General |
|---|---|---|
| Claim Servicing | About average | -- |
| Estimation Process | Better than most | -- |
| First Notice of Loss (FNOL) | About average | -- |
| Overall Satisfaction | About average | -- |
| Rental Experience | About average | -- |
| Repair Process | Better than most | -- |
| Settlement | About average | -- |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | Allstate | National General |
|---|---|---|
| California | 820 pt About average | -- |
| Central | 822 pt About average | -- |
| Florida | 837 pt Better than most | -- |
| Mid-Atlantic | 837 pt About average | -- |
| New England | 834 pt Better than most | -- |
| New York | 824 pt About average | -- |
| North Central | 823 pt About average | -- |
| Northwest | 798 pt The rest | -- |
| Southeast | 830 pt About average | 810 pt The rest |
| Southwest | 815 pt About average | -- |
| Texas | 835 pt Better than most | -- |
Mobile App Ratings ℹ
| Region | Allstate | National General |
|---|---|---|
| Android | 12,515 Reviews | -- |
| iOS | 56,800 Reviews | -- |
Financial Ratings
| Options | Allstate | National General |
|---|---|---|
| A.M. Best | A+ | A- |
| Fitch | A+ | -- |
| Moody's | Aa3 | -- |
| Standard & Poor's | AA- | -- |
Auto Insurance Quotes
For Married Drivers
| City | Allstate | National General |
|---|---|---|
| Austin | $37 | $68 |
| Chicago | $111 | -- |
| Philadelphia | $133 | -- |
| Phoenix | $105 | -- |
| Santa Monica | $116 | -- |
For Single Drivers
| City | Allstate | National General |
|---|---|---|
| Austin | $42 | $74 |
| Chicago | $128 | -- |
| Philadelphia | $136 | -- |
| Phoenix | $129 | -- |
| Santa Monica | $255 | -- |
For Male Drivers
| City | Allstate | National General |
|---|---|---|
| Austin | $39 | $70 |
| Chicago | $124 | -- |
| Philadelphia | $129 | -- |
| Phoenix | $129 | -- |
| Santa Monica | $252 | -- |
For Female Drivers
| City | Allstate | National General |
|---|---|---|
| Austin | $39 | $72 |
| Chicago | $116 | -- |
| Philadelphia | $139 | -- |
| Phoenix | $105 | -- |
| Santa Monica | $120 | -- |
For Drivers with Speeding Ticket
| City | Allstate | National General |
|---|---|---|
| Austin | $44 | $82 |
| Chicago | $175 | -- |
| Philadelphia | $144 | -- |
| Phoenix | $163 | -- |
| Santa Monica | $341 | -- |
For Drivers with No Speeding Ticket
| City | Allstate | National General |
|---|---|---|
| Austin | $38 | $69 |
| Chicago | $108 | -- |
| Philadelphia | $133 | -- |
| Phoenix | $107 | -- |
| Santa Monica | $153 | -- |
For Drivers Age Between 18-40
| City | Allstate | National General |
|---|---|---|
| Austin | $41 | $75 |
| Chicago | $130 | -- |
| Philadelphia | $130 | -- |
| Phoenix | $134 | -- |
| Santa Monica | $290 | -- |
For Drivers Age Between 40-65
| City | Allstate | National General |
|---|---|---|
| Austin | $37 | $63 |
| Chicago | $102 | -- |
| Philadelphia | $121 | -- |
| Phoenix | $94 | -- |
| Santa Monica | $104 | -- |
For Drivers Age of 65+
| City | Allstate | National General |
|---|---|---|
| Austin | $41 | $88 |
| Chicago | $146 | -- |
| Philadelphia | $193 | -- |
| Phoenix | $141 | -- |
| Santa Monica | $101 | -- |
For Drivers with Average Credit
| City | Allstate | National General |
|---|---|---|
| Austin | $41 | $82 |
| Chicago | $122 | -- |
| Philadelphia | $149 | -- |
| Phoenix | $114 | -- |
| Santa Monica | $153 | -- |
For Drivers with Fair Credit
| City | Allstate | National General |
|---|---|---|
| Austin | $38 | $75 |
| Chicago | $125 | -- |
| Philadelphia | $154 | -- |
| Phoenix | $117 | -- |
| Santa Monica | $133 | -- |
For Drivers with Good Credit
| City | Allstate | National General |
|---|---|---|
| Austin | $38 | $69 |
| Chicago | $107 | -- |
| Philadelphia | $120 | -- |
| Phoenix | $103 | -- |
| Santa Monica | $129 | -- |
For Drivers with Excellent Credit
| City | Allstate | National General |
|---|---|---|
| Austin | $41 | $58 |
| Chicago | $125 | -- |
| Philadelphia | $114 | -- |
| Phoenix | $134 | -- |
| Santa Monica | $328 | -- |
Quotes & Discounts
| Discount type | Allstate | National General |
|---|---|---|
| teenSMART | Up to 35% | -- |
| Accident Forgiveness | Up to 30% | -- |
| Defensive Driver | Up to 20% | -- |
| New Car | Up to 15% | -- |
| Anti-Theft Device | Up to 10% | Varies |
| Anti-lock Brake | Up to 10% | Varies |
| E-billing | Up to 10% | -- |
| EV/Hybrid | Up to 10% | -- |
| Early Quote | Up to 10% | -- |
| Farm Vehicle | Up to 10% | -- |
| Good Driver | Up to 10% | Varies |
| Good Student | Up to 10% | -- |
| Low Mileage | Up to 10% | Varies |
| Multiple Policy | Up to 10% | Varies |
| Multiple Vehicle | Up to 10% | Varies |
| Paid in full | Up to 10% | Varies |
| Passive Restraint | Up to 10% | -- |
| Prepay | Up to 10% | -- |
| Preferred payment | Up to 5% | -- |
| Senior Adult | Up to 5% | -- |
| Student Away at School | Up to 5% | -- |
| Deductible | Varies | -- |
| Discount Finder | Varies | -- |
| Driving training | Varies | -- |
| Family | Varies | -- |
| Paperless documents | Varies | -- |
| Utility Vehicle | Varies | -- |
| Affinity group | -- | Varies |
| Loyalty | -- | Varies |
| Organization | -- | Varies |
Payment Methods
| Discount type | Allstate | National General |
|---|---|---|
| Automatic Online Payment ℹ |  | -- |
| Bank Payment/Direct Deposit | | -- |
| Credit Card Payment | | -- |
| Debit Card Payments | | -- |
| Electronic Check ℹ | | -- |
| Mail Payment ℹ | | -- |
| Mobile App Payments ℹ | | -- |
| Online Payment ℹ | | |
| Person 2 Person Payment | | -- |
| Phone Payment ℹ | | -- |
| Prepayment ℹ | | -- |
Features and Services
| Features and Services | Allstate | National General |
|---|---|---|
| 24/7 service | | |
| Accident forgiveness | | -- |
| Enhanced towing & substitute coverage | | -- |
| Flexible / convenient payments | -- | |
| Loyalty rewards program | | -- |
| Mobile app | | |
| Online account management | | |
| Roadside assistance | | -- |
Optional Coverages
| Optional Coverages | Allstate | National General |
|---|---|---|
| Accident Forgiveness ℹ | | -- |
| Accidental Death, Dismemberment, Disability ℹ | | -- |
| Antique or Collector Car Insurance ℹ | | |
| Emergency Assistance Coverage ℹ | -- | |
| Emergency Lockout Coverage ℹ | | -- |
| Loss of Use Coverage ℹ | | -- |
| Mechanical Breakdown Insurance ℹ | | -- |
| New Car Replacement Coverage ℹ | | |
| No Fault Coverage ℹ | | -- |
| Preferred Repair Services ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Ridesharing Coverage ℹ | | -- |
| Roadside Assistance ℹ | | -- |
| Sound System Coverage ℹ | | -- |
| Umbrella Policy ℹ | | -- |
Insurance by State
Online Quoting by State
- Allstate
- National General
- Both
Uber and Lyft driver insurance
- Allstate
- National General
- Both
SR-22 Insurance by State
- Allstate
- National General
- Both
Compare Insurance Products
| Product | Allstate | National General |
|---|---|---|
 ATV Insurance | | -- |
 Car Insurance | | |
 Boat Insurance | | -- |
 Business Insurance | | -- |
 Condo Insurance | | -- |
 Home Insurance | | -- |
 Life Insurance | | -- |
 Motorcycle Insurance | | -- |
 Pet Insurance | | -- |
 Renters Insurance | | -- |
 RV Insurance | | -- |
 Snowmobile insurance | | -- |
User Reviews
- Allstate Reviews
- National General Reviews
3.6
1,000 Reviews
5 Stars
39 %
4 Stars
20 %
3 Stars
15 %
2 Stars
10 %
1 Star
16 %
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Most Critical Review
By Jerry
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
