National General insurance review 2023
The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. 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 .
At a glance
Cost & ratings
Cost & ratings
About Bankrate Score
Policyholders looking for affordable and robust homeowners policies over cheap car insurance rates might opt for National General as their company of choice.
A+ (Superior) financial strength rating from AM Best
Highly customizable homeowners insurance policies
Does not sell life insurance
Mobile app and online policy portal do not allow for policy changes
National General car insurance
National General, an Allstate-owned company, earned an auto Bankrate Score of 3.5 out of 5, thanks to its financial strength, discount opportunities and nationwide availability. However, this score may have been higher if it offered cheaper average premiums or had better third-party customer satisfaction scores. One thing worth noting is that National General will permanently guarantee your car’s repairs after an accident if you take your car to one of the company’s Gold Medal Repair Shops. Additionally, the company may also be able to file an SR-22 or FR-44 for drivers who require it.
Along with standard minimum coverage and full coverage policies, National General offers add-ons for more protection, like roadside assistance, accidental death and dismemberment coverage and an auto protection plan. The company has no advertised eligibility requirements, and it's licensed to sell car insurance in all 50 states plus Washington, D.C. However, just because a company is licensed in a certain state does not mean that it does business there. To make sure that National General is available to you, it may be best to contact an agent directly.
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:
Lifetime guarantee on auto repairs due to a covered claim
Emergency expense allowance will cover up to $500 for food, lodging and travel if you’re stranded after a covered claim
Independent agents located across the country
Rates are higher than average
Low J.D. Power scores for overall customer satisfaction, claims satisfaction and digital experience
No accident forgiveness or gap insurance available
National General car insurance cost
Based on rates sourced from Quadrant Information Services, the national average cost of car insurance is $2,014 per year for a full coverage policy. For minimum coverage, the annual average is $622. In contrast, National General car insurance rates average $2,475 and $881 per year, respectively.
National General car insurance rates by driving history
Car insurance companies use several factors to calculate a car insurance rate, and your driving record may be among the most significant. However, not all driving activity is weighed equally. For instance, an at-fault accident may cause a more considerable rate increase than a speeding ticket.
Bankrate has access to proprietary premium data from Quadrant Information Services, and we use this information to track rate trends over time. In the tables below, you can see how different types of driving activity may impact your rate. Please note that we have omitted DUI rates, as companies may not offer a policy to drivers with a DUI on their record. For more information regarding DUI rates, you could contact National General directly.
National General average monthly full coverage premium National General average annual full coverage premium National average annual full coverage premium Clean driving history $206 $2,475 $2,014 Speeding ticket conviction $233 $2,794 $2,427 At-fault accident $282 $3,386 $2,854 National General average monthly minimum coverage premium National General average annual minimum coverage premium National average annual minimum coverage premium Clean driving history $73 $881 $622 Speeding ticket conviction $82 $986 $748 At-fault accident $104 $1,246 $892
National General car insurance quotes by age
In the U.S., drivers aged 16 to 19 years old are almost three times as likely to be involved in a fatal car accident. To offset this higher risk, car insurance companies typically charge young drivers a higher premium. However, these drivers could see relief if they’re listed on their parents’ policy rather than their own, as demonstrated by the tables below. Please note that these rates are based on a young driver with a clean driving record.
Average cost of car insurance for drivers on their parents’ policy
Average cost of car insurance for drivers on their own policy
National General car insurance discounts
Although National General may not offer the cheapest car insurance, it does offer some car insurance discounts that may help you save. Discount amounts and eligibility may vary, so you may want to contact the company directly for more information.Policyholders who drive less than average may earn a discount on their car insurance.National General customers who download the company’s telematics app and demonstrate safe driving habits could save in certain states.Customers who agree to receive their bills and policy documents electronically may earn a discount.When you bundle a car insurance and RV insurance policy from National General, you could save up to 20 percent on your premium.
National General car tools and benefits
When comparing car insurance quotes, you may want to consider the additional tools, benefits and products a company provides.
In addition to traditional car insurance, National General customers have the option to enroll in the National General Motor Club. Members get access to perks like low-cost 24/7 roadside assistance, towing to the nearest repair center with no mileage or dollar limits, up to $750 in emergency expense reimbursement, online trip planning services and more.
National General home insurance
National General’s standout product is its home insurance offering. We gave National General home insurance a Bankrate Score of 3.4 out of 5 points, due to its low average homeowners rates and coverage options. Still, the company’s score may have been higher if it offered a few more discounts and 24/7 customer support. Generally, though, its high Bankrate Score may make it one of the best home insurance companies for some homeowners.
Choosing a tailored home policy may be easy with National General due to its Custom360 coverage packages. With three coverage packages to choose from — Signature Home, Preferred Home and Elite Home — many homeowners may find what they’re looking for, whether that be affordability or extensive coverage. Those who choose the Preferred or Elite package may even be able to add endorsements at a lower rate.
In addition to the standard homeowners coverage types you would expect, National General offers many add-ons, including home sharing coverage which can provide financial protection for your personal property if you rent out your home overnight. Home systems coverage is also available, which may help pay to repair or replace items like your furnace or water heater if they break down.
Pros and cons of National General homeowners insurance
Comparing home insurance quotes may seem daunting, but considering a company’s pros and cons may help you to review a company holistically.
Custom360 coverage packages may streamline the quoting process
More advertised discounts than some competitors
Lower-than-average rates for homeowners insurance
Homeowners product is not rated by J.D. Power
Discount amounts aren’t disclosed online
You must speak with an agent to get a homeowners quote
National General home insurance cost
According to Quadrant Information Services, the average cost of homeowners insurance with $250K in dwelling coverage in the United States is $1,428 per year. National General’s average rate for the same coverage amount is $1,242. Below you see how National General stacks up against the national average at various dwelling coverage limits.
Dwelling coverage limit National General average annual premium National average annual premium $150,000 $822 $975 $250,000 $1,428 $1,242 $350,000 $1,725 $1,879 $450,000 $2,148 $2,343 $750,000 $3,532 $3,761
National General home insurance discounts
National General may be ones of the cheapest homeowners insurance companies for your needs, and it offers several discounts that could help further lower your premium, including:You may save money on your policy if your home is newly built. National General does not disclose what home ages qualify for a discount.National General may lower your homeowners insurance premium if your insured home is located in a gated community.If you belong to a homeowner’s association for your neighborhood or community, you might be able to get a discount through National General.You could qualify for a discount if you are the primary policyholder and you have a college degree.
National General does not disclose discount amounts and other eligibility restrictions. For further information, you may request a quote or contact an agent.
National General home tools and benefits
If you have a homeowners policy with National General and your identity is stolen, the company’s Identity Theft 911 protection may help you address the damage. Better yet, this service comes at no additional charge. Additionally, the company offers condo and renters insurance, along with insurance for private collections.
National General customer satisfaction
Excellent customer service may be a priority for many shoppers. To help you evaluate an insurance company’s customer satisfaction, Bankrate reviews scores issued by J.D. Power. This third-party rating company 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.
In addition to J.D. Power scores, our editorial team also analyzes the National Association of Insurance Commissioners (NAIC) complaint index. This database tracks how many complaints an insurance company receives and issues each carrier a complaint index score. The baseline complaint index score is 1.0. A score higher than 1.0 indicates that a company has received more complaints than average for a company of its size and vice versa.
National General auto satisfaction
J.D. Power only included National General for the Southeast region in its 2022 U.S. Auto Insurance Study. Here, the company came in second-to-last, with a score of 829 in overall customer satisfaction. National General did not do much better in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, scoring below average at 838.
According to the NAIC, National General receives more than five and a half times more customer complaints than average regarding its private passenger insurance line. With this said, drivers with customer service at top-of-mind may want to talk with friends or family insured with National General to get a true feel for the policyholder experience.
National General homeowners satisfaction
Although J.D. Power did not include National General in any of its 2022 homeowners insurance studies, the company receives fewer NAIC complaints than average regarding its home insurance product. This data could mean that its policyholders are generally satisfied with National General’s homeowners insurance.
How to file a claim with National General
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.
When you have what you need, 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
- Contacting the claims chat
National General availability
National General is licensed to sell car insurance in all 50 states and Washington, D.C. However, discount and product availability may vary depending on what state you live in. For more information, you could contact a National General agent.
Other National General perks worth considering
National General sells many different types of insurance, which makes it a good option for customers who want to bundle their policies for potential savings or house all their insurance needs under one insurer.
Here are some of the other policies you can purchase through National General:
- Flood insurance: National General sells private standalone flood insurance policies as well as flood insurance through the National Flood Insurance Program (NFIP).
- RV insurance: National General may be one of the top insurance companies for RV insurance, with several perks like free inspections after repairs, permanent attachment coverage and search assistance if you need to replace your totaled RV after an accident.
- Motorcycle insurance: National General offers motorcycle insurance for sports bikes, cruisers, mopeds, scooters, dirt bikes and more.
- Umbrella insurance: Umbrella insurance may provide peace of mind through extra liability protection. National General offers its umbrella coverage via a homeowners insurance endorsement.
National General corporate sustainability
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 lower barriers to access in growing industries.
Not sure if National General is right for you?
If you’re still not sure National General can meet your needs, you may want to consider getting quotes from the carriers below:
National General vs. Direct Auto
Although Direct Auto may be best known for its high-risk car insurance, it has a variety of policies available, including no-medical exam life insurance. It also offers a car insurance discount of up to 25 percent for military personnel. However, Direct Auto does not offer homeowners insurance.
Learn more: Direct Auto Insurance review
National General vs. Bristol West
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 policy. The carrier has a highly-rated mobile app for on-the-go policy management, but offers few add-ons and discounts for policy customization.
Learn more: Bristol West Insurance review
National General vs. The General
The General is a popular car insurance carrier for high-risk drivers who may have a poor credit score 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.
Learn more: The General Insurance review
Is National General a good insurance company?
Our insurance editorial team includes three licensed insurance agents with almost 50 years' worth of combined industry experience. We’ve researched more than 100 insurance companies and based on our holistic National General insurance review, this could be a good company, but it depends on your needs.
This carrier may not be the best option if you’re looking for the cheapest car insurance company or car insurance with highly-rated customer service. However, it may be worth requesting a quote with National General if you’re shopping for robust homeowners insurance policies that include many discount opportunities.46years of industry expertise122carriers reviewed20.7KZIP codes examined1.2Mquotes analyzed
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the ages 16-60 (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.
The rates for drivers ages 16–20 added to their parents’ policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.
- Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 and the NAIC, were analyzed.
- 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 an auto and 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 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.On This Page