National General insurance review 2023

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 might permanently guarantee your car’s repairs after an accident if you take your vehicle to one of the company’s Gold Medal Repair Shops. National General also sells high-risk auto insurance to some drivers with less-than-perfect driving records, such as those with DUI convictions. The company may be able to file an SR-22 or FR-44 for drivers who require it, as well. 

Along with standard minimum coverage and full coverage policies, National General offers add-ons for more protection, such as roadside assistance, accidental death and dismemberment coverage and an auto protection plan. National General also offers car insurance in tiered packages, called Custom360 coverage. The two tiers, Signature and Elite, come with varying coverage limits. The company has no advertised eligibility requirements, and it's licensed to sell car insurance in all 50 states plus Washington, D.C.

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 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.

If you’re still not sure National General can meet your needs, you may want to consider getting quotes from the carriers below:

Our insurance editorial team includes licensed insurance agents with real-world industry experience. We researched more than 100 insurance companies and based on our holistic National General insurance review, this could be a good company depending 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 and seeking to earn one or more discounts on your premium.

In contrast, National General’s high AM Best score could be thanks to the fact that it was purchased by insurance industry giant Allstate in 2021. 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 customer complaints

In addition to J.D. Power scores, our editorial team also analyzes the 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.

Other National General tools and benefits

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.
• Rideshare coverage: If you drive for a rideshare company like Lyft or Uber, National General’s rideshare coverage may add a layer of financial protection. 
• Identity theft coverage: This home insurance endorsement can help with costs related to restoring a stolen identity. 

Frequently asked questions about National General

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Auto insurance rates are weighted based on the population density in each geographic region. 

Auto

Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes. 

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 parent's 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.

Homeowners

Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

• 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.