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National General insurance review 2022

Updated Nov 15, 2022
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At a glance

4.5
Rating: 4.5 stars out of 5
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Rating: 4.5 stars out of 5

4.5

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Bankrate’s National General Insurance review found that the company should be sufficient for most people’s needs. However, the company does not offer life insurance and it does not have many third-party ratings to validate customer satisfaction or claim satisfaction.

Pros

  • Lifetime guarantee on auto repairs
  • Online policy management features
  • Several insurance products offered
  • Lots of discounts

Cons

  • Does not sell life insurance
  • Few third-party ratings
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National General, which was formerly known as GMAC Insurance, was founded in 1920. The company sells more than a dozen different insurance products, including auto, home, renters, motorcycle, RV and flood insurance. National General has no eligibility requirements and you can purchase a policy in all 50 states and Washington D.C.

National General stands out in a few areas. First, the company promotes that it has affordable rates. It also offers some unique perks like guaranteed auto repairs at one of the company’s Gold Medal Repair Shops if your car is damaged in an accident. National General also offers SR-22 filings for drivers who are required to have one.

National General car insurance

If you are in the process of narrowing down the best auto insurance for you, National General car insurance may be a good option. In addition to standard minimum coverage and full coverage policies, National General also offers a few add-ons for more protection, like roadside assistance, accidental death and dismemberment coverage and an auto protection plan. In addition, 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.

National General car insurance discounts

National General also has helpful car insurance discounts for drivers who want to save money on their policy. Some of the discounts available include:

National General car services

In addition to traditional car insurance and classic 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.

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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.

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National General home insurance

National General’s standout product is its home insurance offering. We gave National General home insurance a Bankrate Score of 4.5 out of 5 points, due to its excellent endorsements and discounts. Its high Bankrate Score may make it a contender for the best home insurance company for some homeowners. For example, you can add extended or guaranteed replacement cost coverage, personal property coverage for items outside your home and green upgrade coverage, which provides up to $50,000 to rebuild your house with sustainable materials after a loss.

National General home insurance discount

There are a number of home insurance discounts available through National General, including:

National General home services

National General does not provide any home services that are available to customers. However, the company does offer insurance tracking and lender-placed insurance (LPI) for mortgage providers.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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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.

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$382/year
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Two Thirds
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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:

  • Renters insurance: Renters insurance through National General is available with several discounts and add-on coverages.
  • Flood insurance: National General sells flood insurance through the National Flood Insurance Program (NFIP).
  • RV insurance: National General is 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.

National General corporate sustainability

On its website, National General does not include much information about its social responsibility or charitable partnerships. However, the company did participate in the Millions to Feed campaign for Feeding America, which aimed to provide 10 million meals to families in need. The company also committed to a minimum contribution of $500,000 to Feeding America.

In addition, National General mentions on its website that it recently pledged $3 million to support a handful of charities in the communities it serves, including organizations that provide COVID-19 relief and support.

Not sure if National General is right for you? Consider these alternatives

It’s important to compare multiple companies before purchasing a policy. Here are a few other insurance providers you might want to consider in addition to National General when doing your research:

  • Direct Auto: Direct Auto is a highly rated insurance company with a variety of policies available, including no-medical exam life insurance. It also offers a car insurance discount of up to 25% for military personnel.
  • Bristol West: Compared to National General, Bristol West has more limited policies, but it can be a good option for high-risk drivers that don’t qualify for standard coverage. It also has an excellent mobile app for on-the-go policy management and ID cards.
  • 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.

Methodology

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. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. PowerAM BestS&PNAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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