National General Insurance review 2021: Car and home

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With 100 years of experience, National General car insurance is one of the largest automobile insurers in the United States. Its close ties with the automotive industry began at the company origin as General Motors Acceptance Corporate Insurance or GMAC Insurance. National General is the only insurance provider in the United States to have started within the automotive industry.

In 2013, GMAC Insurance became National General Insurance and has since broadened its coverage offerings by selling home and property insurance policies in addition to auto insurance policies. National General Insurance’s deeply rooted ties in the automotive industry give it an experience that sets the provider apart from competitors. The ability to get both home and auto insurance coverage makes National General an insurance one-stop-shop.

National General car insurance

National General auto insurance ranked 17 out of 25 in’s review of the largest auto insurance companies by market share. True to its automotive origins, National General offers a variety of auto insurance coverage. To help make your auto insurance more affordable, National General offers a variety of discounts.


  • Collision: Collision coverage pays for repairs to your vehicle in an accident.
  • Comprehensive: Applies to other types of damages or vehicle theft.
  • Liability coverage: Protects you against legal proceedings or any damage or injuries you cause to others in a collision.
  • Emergency roadside assistance: Provides help if you break down by the roadside.
  • New car replacement: Your brand-new vehicle will be replaced with another new one if it’s totaled.
  • Rental car: Extend your vehicle insurance when driving a rental car.
  • Antique or collector car insurance: Covers your higher-value classic cars.


  • Safe driver
  • Low mileage
  • Paid-in-full
  • Multi-vehicle
  • Affinity
  • Multi-policy
  • Anti-theft
  • Auto pay
  • RV and auto
  • GM family first
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National General home insurance

National General home insurance provides coverage from standard policies to comprehensive home coverage. A standard home policy helps keep your home and belongings safe from fire, hail damage and theft. However, many homeowners add additional coverage to their home policies, and National General offers some great additional coverage options:


  • Guaranteed and extended replacement of your home to replace your home in a total loss
  • Green upgrade coverage to receive additional funds if you choose to use green and sustainable materials to repair your home damage
  • Additional coverage for belongings including increased coverage limits for expensive items
  • Identity theft reimbursement to help cover the cost of restoring your identity after it’s been stolen


  • Age of home
  • Auto companion
  • Home/auto account
  • Claim free
  • College education
  • Gated community
  • Homebuyer
  • Homeowners association
  • Protective devices
  • Superior construction
  • Multi-policy

National General ratings, reviews, customer satisfaction and complaints

The National General Insurance Company’s customer service proves their commitment to customer satisfaction by maintaining an A+ rating with the BBB. BBB ratings are based on a wide variety of factors like complaint history, type of business, time in business, transparent business practices, and more.

In the J.D. Power U.S. Auto Insurance Study – Southeast for 2020, National General ranked #13 with a score of 827 out of 1,000. The factors ranked include overall customer satisfaction, policy offerings, price, billing process and policy information, interaction and claims.

J.D. Power rankings are an overall index based upon weight responses to various survey factors. The rankings for National General indicate that competitors may be offering a wider variety of policy offerings at a better price and with more satisfactory claims processes. The National General Insurance Company earned a 2.8 out of 5 rating on Google Reviews with several reports of billing issues and issues with the claims process.

Although the J.D. Power rankings were below average, National General is able to offer great financial stability for customers. The company holds an AM Best rating of A-. This rating shows a stable financial outlook and the ability to pay for National General insurance claims.

Reasons why National General is a great option

National General offers 24/7 claims services available every day. This makes it easy to file a claim no matter when an accident occurs. Although the price of National General policies is generally higher than other providers, it’s a great choice for someone with a house, car and RV. Additionally, National General policies may be a good fit for low mileage drivers or anyone who qualifies for the excellent discounts available.

Additional policies offered by National General

In addition to home and car policies, National General provides policies including:

  • RV
  • Motorcycle
  • Small business vehicle
  • Health insurance

Frequently asked questions

What do I need to get a National General Insurance quote?

To get a National General insurance quote, you can fill out an online form or call the quote line. You’ll need to provide information about your vehicle, any other drivers on the policy and information on the value of your home to get a quote.

How do I file a National General Insurance claim?

Filing a claim is easy using the National General website or by giving the claims line a call.

How long does it take to process National General insurance claims?

Depending on the situation, your claim may be processed in as little as 24 hours.

Does my home insurance cover all of my belongings?

Your items are covered up to a certain dollar amount and you should be able to purchase additional coverage.