4.8out of 3,000+ reviews
National General vs USAA Car Insurance
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Last Updated February 1, 2022
Ratings
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National General
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USAA
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National General VS USAA
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User Ratings
| Options | National General  | USAA |
|---|---|---|
| Rating/Reviews | 210 reviews | 1,031 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | National General | USAA |
|---|---|---|
| Call Center Representative | -- | Among the best |
| Insurer Website | -- | Among the best |
| Local Agent | -- | About average |
| Overall Satisfaction | -- | Among the best |
| Policy Offerings | -- | Among the best |
| Pricing | -- | Among the best |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | National General | USAA |
|---|---|---|
| Claim Servicing | -- | Better than most |
| Estimation Process | -- | Better than most |
| First Notice of Loss (FNOL) | -- | Among the best |
| Overall Satisfaction | -- | Among the best |
| Rental Experience | -- | Better than most |
| Repair Process | -- | Among the best |
| Settlement | -- | Better than most |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | National General | USAA |
|---|---|---|
| California | -- | 894 pt Among the best |
| Central | -- | 906 pt Among the best |
| Florida | -- | 888 pt Among the best |
| Mid-Atlantic | -- | 896 pt Among the best |
| New England | -- | 893 pt Among the best |
| New York | -- | 900 pt Among the best |
| North Central | -- | 905 pt Among the best |
| Northwest | -- | 896 pt Among the best |
| Southeast | 810 pt The rest | 894 pt Among the best |
| Southwest | -- | 887 pt Among the best |
| Texas | -- | 899 pt Among the best |
Mobile App Ratings ℹ
| Region | National General | USAA |
|---|---|---|
| Android | -- | 98,577 Reviews |
| iOS | -- | 3,600 Reviews |
Financial Ratings
| Options | National General | USAA |
|---|---|---|
| A.M. Best | A- | A++ |
| Fitch | -- | AA+ |
| Moody's | -- | Aa1 |
| Standard & Poor's | -- | AA+ |
Auto Insurance Quotes
For Married Drivers
| City | National General | USAA |
|---|---|---|
| Austin | $68 | $48 |
| Chicago | -- | $47 |
| Philadelphia | -- | $31 |
| Phoenix | -- | $39 |
| Santa Monica | -- | $50 |
For Single Drivers
| City | National General | USAA |
|---|---|---|
| Austin | $74 | $61 |
| Chicago | -- | $69 |
| Philadelphia | -- | $41 |
| Phoenix | -- | $58 |
| Santa Monica | -- | $89 |
For Male Drivers
| City | National General | USAA |
|---|---|---|
| Austin | $70 | $55 |
| Chicago | -- | $59 |
| Philadelphia | -- | $38 |
| Phoenix | -- | $52 |
| Santa Monica | -- | $82 |
For Female Drivers
| City | National General | USAA |
|---|---|---|
| Austin | $72 | $54 |
| Chicago | -- | $57 |
| Philadelphia | -- | $35 |
| Phoenix | -- | $44 |
| Santa Monica | -- | $57 |
For Drivers with Speeding Ticket
| City | National General | USAA |
|---|---|---|
| Austin | $82 | $73 |
| Chicago | -- | $85 |
| Philadelphia | -- | $45 |
| Phoenix | -- | $69 |
| Santa Monica | -- | $115 |
For Drivers with No Speeding Ticket
| City | National General | USAA |
|---|---|---|
| Austin | $69 | $51 |
| Chicago | -- | $52 |
| Philadelphia | -- | $35 |
| Phoenix | -- | $44 |
| Santa Monica | -- | $59 |
For Drivers Age Between 18-40
| City | National General | USAA |
|---|---|---|
| Austin | $75 | $61 |
| Chicago | -- | $71 |
| Philadelphia | -- | $42 |
| Phoenix | -- | $59 |
| Santa Monica | -- | $95 |
For Drivers Age Between 40-65
| City | National General | USAA |
|---|---|---|
| Austin | $63 | $44 |
| Chicago | -- | $43 |
| Philadelphia | -- | $28 |
| Phoenix | -- | $35 |
| Santa Monica | -- | $49 |
For Drivers Age of 65+
| City | National General | USAA |
|---|---|---|
| Austin | $88 | $71 |
| Chicago | -- | $66 |
| Philadelphia | -- | $46 |
| Phoenix | -- | $57 |
| Santa Monica | -- | $48 |
For Drivers with Average Credit
| City | National General | USAA |
|---|---|---|
| Austin | $82 | $59 |
| Chicago | -- | $68 |
| Philadelphia | -- | $41 |
| Phoenix | -- | $51 |
| Santa Monica | -- | $68 |
For Drivers with Fair Credit
| City | National General | USAA |
|---|---|---|
| Austin | $75 | $57 |
| Chicago | -- | $55 |
| Philadelphia | -- | $37 |
| Phoenix | -- | $46 |
| Santa Monica | -- | $55 |
For Drivers with Good Credit
| City | National General | USAA |
|---|---|---|
| Austin | $69 | $45 |
| Chicago | -- | $47 |
| Philadelphia | -- | $32 |
| Phoenix | -- | $38 |
| Santa Monica | -- | $55 |
For Drivers with Excellent Credit
| City | National General | USAA |
|---|---|---|
| Austin | $58 | $57 |
| Chicago | -- | $62 |
| Philadelphia | -- | $35 |
| Phoenix | -- | $57 |
| Santa Monica | -- | $99 |
Quotes & Discounts
| Discount type | National General | USAA |
|---|---|---|
| Affinity group | Varies | -- |
| Anti-Theft Device | Varies | Up to 20% |
| Anti-lock Brake | Varies | Varies |
| Good Driver | Varies | Up to 10% |
| Low Mileage | Varies | Varies |
| Loyalty | Varies | Varies |
| Multiple Policy | Varies | Up to 9% |
| Multiple Vehicle | Varies | Up to 13% |
| Organization | Varies | -- |
| Paid in full | Varies | -- |
| Accident Forgiveness | -- | Varies |
| Daytime Running Lights | -- | Varies |
| Defensive Driver | -- | Varies |
| Driving training | -- | Varies |
| Family | -- | Up to 10% |
| Good Student | -- | Varies |
| Military | -- | Up to 15% |
| New Car | -- | Varies |
| Passive Restraint | -- | Up to 15% |
| Student Away at School | -- | Up to 20% |
| Vehicle Storage | -- | Up to 60% |
| teenSMART | -- | Varies |
Payment Methods
| Discount type | National General | USAA |
|---|---|---|
| Automatic Online Payment ℹ | -- |  |
| Mail Payment ℹ | -- | |
| Mobile App Payments ℹ | -- | |
| Online Payment ℹ | | |
Features and Services
| Features and Services | National General | USAA |
|---|---|---|
| 24/7 service | | |
| Flexible / convenient payments | | |
| Mobile app | | |
| Online account management | | |
| Roadside assistance | -- | |
Optional Coverages
| Optional Coverages | National General | USAA |
|---|---|---|
| Accident Forgiveness ℹ | -- | |
| Antique or Collector Car Insurance ℹ | | -- |
| Emergency Assistance Coverage ℹ | | -- |
| Extended Coverage ℹ | -- | |
| New Car Replacement Coverage ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Roadside Assistance ℹ | -- | |
Insurance by State
Car Insurance
- National General
- USAA
- Both
Online Quoting by State
- National General
- USAA
- Both
Uber and Lyft driver insurance
- National General
- USAA
- Both
SR-22 Insurance by State
- National General
- USAA
- Both
Compare Insurance Products
| Product | National General | USAA |
|---|---|---|
 Personal Articles Insurance | -- | |
 Car Insurance | | |
 Aviation Insurance | -- | |
 Boat Insurance | -- | |
 Classic Car Insurance | -- | |
 Collectibles Insurance | -- | |
 Condo Insurance | -- | |
 Dwelling Fire Insurance | -- | |
 Farm Insurance | -- | |
 Flood Insurance | -- | |
 Home Insurance | -- | |
 Life Insurance | -- | |
 Mobile Home Insurance | -- | |
 Motorcycle Insurance | -- | |
 Renters Insurance | -- | |
 RV Insurance | -- | |
 Small Business Insurance | -- | |
 Umbrella Insurance | -- | |
User Reviews
- National General Reviews
- USAA Reviews
3.2
210 Reviews
5 Stars
42 %
4 Stars
10 %
3 Stars
8 %
2 Stars
3 %
1 Star
38 %
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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.