National General Insurance Review

Mar 27, 2025

Mar 27, 2025Car Insurance Writer

Editor’s Rating

2.5 out of 5 rating 2.5 / 5

This review is not provided, commissioned or endorsed by any company. Opinions and ratings are our own.

National General is an average insurance company, earning a 2.5/5 rating from WalletHub editors and good scores from organizations like Better Business Bureau and J.D. Power. National General, an Allstate company, is one of the largest insurers in the United States. National General provides personal and commercial auto insurance, homeowners, renters, recreational vehicle, and much more, directly to consumers and through their network of more than 55,000 independent agents.

In the sections below, you can learn more about National General insurance and how it fares against popular competitors.

Summary: National General Scores by Review Category

Category	Score
Customer Service & Reviews	7.5/30
National General Financial Stability	3/10
National General Claims Process	15/15
National General Types of Insurance and Additional Services Offered	5/5
National General Discounts	1/5
National General Transparency	3/5
OVERALL	34.5/70

Now that you’re familiar with how National General scores in each of our review categories, let’s see how it compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.

National General Customer Service & Reviews

Category Rating: 25% (7.5 out of 30)

Reviews on WalletHub: 3.5/5
J.D. Power: 3.0/5
NAIC: 3.17
BBB: N/R

National General isn’t the best when it comes to customer service. The company’s NAIC rating is 3.17, so National General has received more complaints than the average car insurance provider. The overall high number of complaints and the fact that it doesn’t offer 24/7 live support lost National General quite a few points in this category.

National General Financial Stability

Category Rating: 30% (3 out of 10)

AM Best: A+
Standard & Poor’s: BBB
Moody’s: Baa2

National General is not in a good shape when it comes to financial strength. The company received a decent rating from AM Best, one of the nation’s leading credit rating agencies for the insurance industry. However, National General has poor ratings from S&P and Moody’s.

National General Claims

Category Rating: 100% (15 out of 15)

National General lets you file claims online or over the phone, which you can reach at 800-468-3466. National General accessibility has earned it full marks in this category.

National General Types of Insurance

Category Rating: 100% (5 out of 5)

Auto Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Commercial Auto Insurance
Condo Insurance
Private Collections Insurance
Homeowners Insurance
Flood Insurance
Umbrella Insurance
NatGen Health Insurance

National General offers a wide variety of insurance options, so it got the highest score possible in this category.

National General auto insurance policies offer coverage options which include bodily injury liability, property damage liability, collision, comprehensive, medical payments, uninsured motorist, underinsured motorist, personal injury protection, accident death and dismemberment, auto protection plan and road side assistance.

National General Discounts

Category Rating: 20% (1 out of 5)

Bundle with home discount
Pay in-full discount
Low mileage discount
Security device discount
Multi-vehicle discount
Safe driver discount
Paperless discount

National General offers 7 discounts, which is not as many as some of its competitors. Since it offers an average number of discounts, National General received a low score in this category.

National General Transparency

Category Rating: 60% (3 out of 5)

You can find some, but not all key information on the National General website quickly and easily, so it lost few points in the transparency department.

Bottom Line

National General is an average insurance company that offers a wide variety of coverage options and other benefits to its members. The company is also known for its 24/7 roadside assistance program. However, National General didn’t score well when it comes to financial stability, customer service and discounts.

National General Car Insurance vs. Competitors

Insurer	National General	Dairyland	Mercury	State Farm
Average Premium*	$1,931 per year	$2,211 per year	$1,868 per year	$1,410 per year
Number of Car Insurance Discounts	7	7	8	16
Offers Home Insurance	Yes	Yes	Yes	Yes
Complaints Score (lower is best)	3.17	2.68	2.48	1.35
Editor’s Rating	2.5	2.6	3.6	3.8

*Complaints Score represents the company's overall NAIC rating. Car insurance-specific rating may differ.
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare.

Questions & Answers(2 questions)

Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

Why is National General so expensive?

Candace Baker, Car Insurance Writer

National General is so expensive because of agent commissions and rising costs overall for insurance companies. At $1,104 per year, the average National General car insurance policy is a lot more expensive than the national average of $671 per year for a policy with minimum coverage.

National General insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. For example, teenagers pay an average of $2,738 per year for National General insurance, compared to $1,098 per year for older drivers. Additionally, drivers who have recently had an at-fault accident pay an average of $1,670 per year for National General coverage, which is 51% more than drivers with a clean record.

Factors That Can Make National General Insurance More Expensive

Commissions for agents
Rising costs overall for insurance companies
Being a young or inexperienced driver
Purchasing a full coverage policy versus minimum coverage
Causing an accident or being convicted of a moving violation
Living in a high-risk ZIP code
Driving an expensive vehicle
Having a poor credit-based insurance score

If you're having trouble affording your National General policy, there are ways for you to lower your premium. For example, you can take advantage of National General discounts or reduce your coverage.

Sometimes, it might be a good idea to switch insurers altogether. To see if you can find a better deal elsewhere, you should compare quotes from at least three different insurers. Each insurer uses its own algorithm to calculate premiums, so even if National General is charging you a high premium, you may be able to find a cheaper policy with another insurance company.

To learn more, check out WalletHub's National General insurance review.

Upvotes

What does National General roadside assistance cover?

McKayla Girardin, Car Insurance Writer

National General roadside assistance covers policyholders when they are stranded or in need of help on the road. From battery jump-starts to flat-tire changes, a roadside assistance membership from National General ensures you are protected in an emergency.

What National General Roadside Assistance Covers

Towing
Flat tire changes
Battery jump-start
Fuel delivery
Lockout services
Winching

Roadside assistance from National General costs $59 to $119 per year. Getting it could...

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