How do you file a claim with National General?

You can file an insurance claim with National General by calling the claims line at 1-800-468-3466, reporting the claim via the online claims portal or contacting the claims chat. Generally, filing an insurance claim is straightforward, but you must provide your carrier with some information to get started. For instance, your insurance company will likely ask for the vehicle and driver information of everyone involved when you’re reporting a car accident. The claims agent will probably ask you to describe the details of the incident, and you may need to provide supporting documentation, such as a police report.

Is National General a sustainable company?

National General does not include much information about its social responsibility on its website. However, its parent company Allstate appears to have a solid dedication to community impact through various charitable partnerships, including the Allstate Foundation. This program promotes SEL (social and emotional learning) curriculum in classrooms, provides resources to those impacted by domestic violence and fights for racial equity by advocating for livable wages and lowering barriers to access in growing industries.

Does Allstate own National General?

Yes, National General was purchased by Allstate in January 2021 in a $4 billion deal. Allstate may offer National General policies to customers who don’t meet underwriting parameters for Allstate’s primary business, such as high-risk drivers with past accidents or claims.

Insurance Reviews

National General insurance review 2025

Written by

R.E. Hawley,

Edited by

Amelia Buckley

Updated on Nov 01, 2025

Bankrate is always editorially independent. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .Our is to ensure everything we publish is objective, accurate and trustworthy.

Bankrate's take

Policyholders in search of high-risk auto insurance or customizable home insurance policies may find National General, a subsidiary of Allstate, to be a good fit.

Auto

Avg. annual premium for full coverage $3,039

Avg. annual premium for min coverage $817

Home

Avg. annual premium for $300k dwelling coverage $1,654

Avg. annual premium for $750k dwelling coverage $4,375

Insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available. These are sample rates for comparative purposes only. Your quotes will differ.

Rates updated as of Nov 2025

Read our full methodology
Auto score

3.6
Rating: 3.6 stars out of 5

Cost & ratings
3.5 / 5

Coverage
4.0 / 5

Support
3.4 / 5

Home score

4.3
Rating: 4.3 stars out of 5

Cost & ratings
3.8 / 5

Coverage
5.0 / 5

Support
4.5 / 5
- Offers high-risk auto insurance policies
- Tiered insurance packages for home and auto
- Lifetime guarantee on covered auto repairs
- Wide network of local agents
National General is licensed to sell insurance in all 50 states and Washington, D.C. However, the company may not write all policies in all states.
- Customer service: 1-888-293-5108 (auto) or 1-888-325-1190 (home)
- Claims: 1-800-468-3466
- Emergency roadside service: 1-800-997-6651
- National General agency locator available at: https://locator.nationalgeneral.com

News

What's new with National General?

In 2025, courts in New York and California have filed lawsuits against National General, for failure to protect consumer data and a system of “bad faith practices,” respectively.
In July 2024, the U.S. Department of Justice filed a civil complaint against National General, charging it with mistakenly force-placing collateral protection insurance on vehicles financed by Wells Fargo from 2008-2026. Borrowers with the coverage paid an average of $1,100 a year for coverage they did not need.

Compare National General with other insurers

Featured National General Rating: 4 stars out of 5 4.0 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 3.7 stars out of 5 3.7 Coverage Rating: 4.5 stars out of 5 4.5 Support Rating: 4 stars out of 5 4.0 Read Review	Bristol West Rating: 3.4 stars out of 5 3.4 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 3 stars out of 5 3.0 Coverage Rating: 3.5 stars out of 5 3.5 Support Rating: 4 stars out of 5 4.0 Read Review	The General Rating: 3.3 stars out of 5 3.3 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 3 stars out of 5 3.0 Coverage Rating: 3.5 stars out of 5 3.5 Support Rating: 3.9 stars out of 5 3.9 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
National General’s pre-packaged insurance policies could make it a good choice for newer drivers or homeowners. However, the company receives a higher number of complaints and has a low J.D. Power score for customer satisfaction. Read More	Compared to National General, Bristol West has more limited policies, but it may be a good option for those who prefer a hands-on approach to their insurance. The carrier has a highly rated mobile app for on-the-go policy management but offers few add-ons and discounts for policy customization. Read More	The General is a popular car insurance carrier for high-risk drivers who may have a poor credit history or need an SR-22. The company offers several insurance policies, including life insurance through American Family Insurance. The General is not available in all 50 states, but it does have numerous discounts for potential savings. Read More
STANDOUT FEATURES These features are some of the carrier’s most impressive
High-risk auto insurance product Auto repair guarantee Custom home insurance packages	Affordable for high-risk drivers Insurance for poor credit Flexible payment methods	Home insurance through partners Insurance for high-risk drivers SR-22s and non-owner insurance
AVG FULL COV. AUTO RATE Average national annual cost of a full coverage auto insurance policy
$3,039	$4,499	$2,538
J.D. POWER AUTO SCORE J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
672/1000	Not Scored	Not Scored
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
$1,654	No rates available	No rates available
J.D. POWER HOME SCORE J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
Not Scored	Not Scored	Not Scored
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A+(Superior)	A-(Excellent)	A(Excellent)

Table of contents

Compare with other companies
Car insurance review
Home insurance review
Real customer feedback
FAQs
Methodology

National General car insurance review

A subsidiary of Allstate since 2021, National General works with a wide network of local agents to offer affordable auto insurance in all 50 states and Washington, D.C., with a focus on high-risk drivers. But National General’s Bankrate score is notably lower than its parent company, with just 3.6 out of 5.0 for auto insurance — largely a reflection of the high rate of customer complaints associated with National General auto insurance.

Still, National General (or “NatGen,” as you may hear them called) may be a good fit for some drivers. Flexibility is a hallmark of National General’s auto insurance product: you can tailor your policy to your needs with either the Signature or Elite tier of the Custom360 auto package. Optional endorsements include rideshare coverage, full safety glass, accident forgiveness, diminishing deductibles and roadside assistance. National General also offers flexible payment options that may help you fit your policy to your budget and schedule.

Pros and cons of National General car insurance

When shopping for the best car insurance company, it may be helpful to narrow down your search by comparing perks and drawbacks. Here are some pros and cons we identified for National General:

Pros

Lifetime guarantee on auto repairs due to a covered claim if you take your vehicle to an approved shop
Emergency expense allowance will cover up to $500 for food, lodging and travel if you’re stranded after a covered claim
Works with high-risk drivers in need of SR-22 or FR-44 certificates

Cons

High rate of customer complaints
Below-average J.D. Power scores for overall customer satisfaction and claims satisfaction
Rates may be above average for many drivers

National General car insurance cost

According to data from Quadrant Information Services, National General customers pay an average of $253 per month for full coverage car insurance and $68 per month for state minimum coverage. That’s 13 percent more than the national average for full coverage, and 0 percent more than the national average for minimum coverage.

Compare National General car insurance rates

National General’s average rates are generally close to the national average, and may be higher or lower than competitors. Keep in mind that your personal profile will impact the rates you’re eligible for from any given insurer.

USAA

$183

$53

Nationwide

$170

$60

American Family

$259

$82

Travelers

$185

$60

Erie

$189

$62


National General	$253	$68
State Farm	$226	$77
Progressive	$184	$62
Geico	$183	$50
Allstate	$282	$83
USAA	$183	$53
Nationwide	$170	$60
American Family	$259	$82
Travelers	$185	$60
Erie	$189	$62

National General car insurance quotes by driver profile

High-risk drivers with incidents on their driving record may be eligible for competitive rates from National General compared to other insurers.


Good driver, good credit	$3,039	$2,697
Good driver, poor credit	$3,430	$4,745
Speeding ticket with good credit	$3,409	$3,299
At-fault accident with good credit	$4,368	$3,862
DUI conviction with good credit	$5,343	$5,287

*All rates displayed are average annual rates.

National General car insurance quotes by age

Young drivers typically pay significantly higher premiums for car insurance compared with more experienced drivers who pose less risk on the road. National General may be a good option for younger drivers with incidents on their driving record.

Age 40

$3,039

$2,697

Age 60

$2,928

$2,439


Age 16	$9,366	$5,740
Age 18	$5,497	$4,941
Age 20	$4,979	$5,448
Age 25	$3,559	$3,326
Age 30	$3,192	$2,877
Age 40	$3,039	$2,697
Age 60	$2,928	$2,439

*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Excellent customer service is a priority for many shoppers. To help you evaluate an insurance company’s customer satisfaction, Bankrate reviews ratings issued by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). J.D. Power is a third-party rating company that studies a broad list of pain points that an insurance company may have, including overall customer satisfaction, claims satisfaction and digital experience. The higher the company scores out of 1,000, the more satisfied its customers may be.

National General auto claims satisfaction

National General was rated well below average in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, scoring 672/1,000. The study average was 697. In J.D. Power's 2025 U.S. Auto Insurance Study, National General also scored well below average in the three regions where it was ranked: California, the Mid-Atlantic region and the Southeast.

Despite negative customer experiences, National General has a high financial strength rating from AM Best, likely thanks to its backing by insurance giant Allstate. High AM Best ratings typically signal that a company has strong financial backing — and thus a higher likelihood that it will be able to make good on claims filed by its policyholders.

National General auto insurance customer complaints

National General’s complaint index for private passenger auto insurance from the National Association of Insurance Commissioners (NAIC) tells a dismal story. The NAIC tracks formal customer complaints for a given insurance carrier against the carrier’s market share and the industry average, with a baseline complaint index score of 1.00 indicating the average rate of complaints given a company’s size.

National General’s complaint index score has been more than triple the industry average for the past three years. While a lower complaint index in 2024 may indicate that National General is taking steps to address customer pain points, that’s still three times the complaints received by other companies.
DynamicDrive discount

National General customers who download the company’s telematics app and demonstrate safe driving habits could save in certain states.

Paperless discount

Customers who agree to receive their bills and policy documents electronically may earn a discount.

Security device discount

If your vehicle is outfitted with a security device, like an anti-theft system, National General may reward you with an insurance discount.

Diminishing deductible

Available on Custom360 packages, a diminishing deductible gives you a $100 credit toward your deductible for every 12-month policy term that you do not file a claim.

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Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with National General

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Insurance disclosure

National General home insurance review

While it’s not among the familiar names you may associate with home insurance, National General may be an excellent option for many customers seeking affordable coverage for their home. National General’s home insurance product received a much higher Bankrate Score than its auto insurance offerings, at 4.3 out of 5.0.

National General’s high Bankrate Score reflects its breadth of coverage options, which include three tiers of Custom360 coverage packages that can help homeowners quickly match their insurance policy to their needs. Optional endorsements for National General home insurance include identity theft protection, home systems and service line coverage, extended replacement cost, water backup coverage and even open perils coverage that can insure your home against the widest possible range of losses.

Pros and cons of National General homeowners insurance

Comparing home insurance quotes is a great way to assess insurers; however, price is only one factor to consider.

Pros

Custom360 coverage packages may streamline the quoting process
More advertised discounts than some competitors
Extensive coverage options and endorsements

Cons

NatGen does not insure mobile or manufactured homes
You must speak with an agent to get a homeowners quote
Below average customer satisfaction rating

National General home insurance cost

On average, National General customers pay $1,654 per year for $300,000 in dwelling coverage, according to data from Quadrant Information Services. That’s 32 percent less than the national average cost of home insurance.

Compare National General homeowners insurance rates

On average, National General’s home insurance rates fall comfortably below the industry average. Keep in mind that individuals may be eligible for different rates from National General and its competitors based on personal rating factors such as home age and location.

Nationwide

$2,031

-393

Chubb

$3,240

816

American Family

$1,994

-430

Progressive

$2,652

228

Erie

$2,985

561


National General	$1,654	-770
State Farm	$2,209	-215
Allstate	$2,723	299
USAA	$1,243	-1181
Travelers	$2,787	363
Nationwide	$2,031	-393
Chubb	$3,240	816
American Family	$1,994	-430
Progressive	$2,652	228
Erie	$2,985	561

National General car insurance quotes by dwelling coverage

The cost to rebuild your entire home — the amount of dwelling coverage needed to insure it — is a primary factor in determining what you’ll pay for home insurance. The table below compares National General’s average premiums for various coverage limits.


$150K dwelling	$894	$1,459
$300K dwelling	$1,654	$2,424
$350K dwelling	$1,906	$2,740
$450K dwelling	$2,417	$3,374
$750K dwelling	$3,937	$5,254

*All rates displayed are average annual rates.

To help you evaluate an insurance company’s customer satisfaction, Bankrate reviews ratings issued by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). J.D. Power is a third-party rating company that studies a broad list of pain points that an insurance company may have, including overall customer satisfaction, claims satisfaction and digital experience. The higher the company scores out of 1,000, the more satisfied its customers may be.

Although National General was not included in J.D. Power’s 2025 U.S. Property Claims Study, Bankrate evaluated other J.D. Power studies that rate this insurer. In the 2024 U.S. Home Insurance Study, NatGen was in the second-to-lowest place on the list, possibly indicating a need to improve their customer relationships. It’s also worth noting that National General’s parent company, Allstate, scored below the industry average in both studies.

National General home insurance customer complaints

In contrast to its high rate of customer complaints for auto insurance, National General’s NAIC complaint index scores for home insurance suggest a much lower rate of policyholder frustration. Since 2022, when NatGen’s complaint index score was nearly twice the industry baseline, the company has received fewer complaints, ending 2024 with a score of 0.98 — putting it just below the industry average. This suggests that National General may be focused on improving customer experience for home insurance customers.
Gated community discount

National General may lower your homeowners insurance premium if your insured home is located in a gated community.

Homeowners association discount

If you belong to an HOA for your neighborhood or community, you might be able to get a discount through National General.

College education discount

You could qualify for a discount if you are the primary policyholder and you have a college degree.

Superior construction

If your home’s construction is of high quality, you may be eligible for a discounted rate that reflects the lower risk of damage.

Advertising disclosure

Insurance disclosure

Get personalized home insurance quotes

Answering a few quick questions to check your availability with National General

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The Bankrate Promise

Read our full methodology

At Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our

years of industry experience

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

What are real-life customers saying about National General?

When Bankrate’s insurance editorial team looked into real-life customer reviews of National General on Reddit, we found the classic split: while some customers praised NatGen’s quick and efficient claims response, others complained about the company being difficult to work with and reluctant to pay out on claims. We also saw a high number of posts from disgruntled drivers who reported a frustrating experience filing third-party claims after being struck by National General customers.

We take both perspectives seriously. If you’re considering purchasing insurance through National General, you may want to seek out the perspectives of current policyholders either through social media or your own networks.

Reddit user 1*

Jul 29, 2025

First to come out after storm

“This is an older post but here goes. I had insurance since the beginning. However, insurance is no more and we removed over to national General. Last year during Nebraska’s tornado and hail storm, I was the first in my neighborhood to have the adjuster come out. He came out two days after I filed my claim.. I had four vehicles damaged and my house and I had all of my money within three weeks. I even asked to have some of the car deductible’s waived because I had the house deductible to pay and four car claims. They waived 3 of the car deductibles.”

via Reddit community

Reddit user 2*

Apr 7, 2025

Love to deny claims

“NatGen is hot garbage. Claims. Coverage. The fact they love to find every little exclusion they can to material misrep a policy and deny claims.”

via Reddit community

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Frequently asked questions

You can file an insurance claim with National General by calling the claims line at 1-800-468-3466, reporting the claim via the online claims portal or contacting the claims chat. Generally, filing an insurance claim is straightforward, but you must provide your carrier with some information to get started. For instance, your insurance company will likely ask for the vehicle and driver information of everyone involved when you’re reporting a car accident. The claims agent will probably ask you to describe the details of the incident, and you may need to provide supporting documentation, such as a police report.
National General does not include much information about its social responsibility on its website. However, its parent company Allstate appears to have a solid dedication to community impact through various charitable partnerships, including the Allstate Foundation. This program promotes SEL (social and emotional learning) curriculum in classrooms, provides resources to those impacted by domestic violence and fights for racial equity by advocating for livable wages and lowering barriers to access in growing industries.
Yes, National General was purchased by Allstate in January 2021 in a $4 billion deal. Allstate may offer National General policies to customers who don’t meet underwriting parameters for Allstate’s primary business, such as high-risk drivers with past accidents or claims.

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Auto Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:

40 year old

Married male and female homeowners

2017 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following homeowner characteristics:

- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.

Home Bankrate Score

Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by

R.E. Hawley

Former Senior Writer, Insurance

Average rates from National General

Bankrate Score breakdown

Company highlights

State availability

Company details

Compare National General with other insurers