National General Insurance is headquartered in New York City and was founded in 1939. Since then, the company has grown to become one of the largest insurance providers in the country. Here are a few other key things to know about National General Insurance:
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/07/2025.
National General Insurance is not a very good car insurance company, given its high premiums and poor customer service record. National General’s NAIC rating is 3.17, which means it has received far more customer complaints than its industry peers.
The most common complaints from National General customers are about delays in the claims-handling process and unexpected denials of claims. On the other hand, the company has an N/R rating from the Better Business Bureau, so plenty of policyholders have had a positive experience with National General.
National General Insurance Ratings
Reviews on WalletHub:3.6/5
J.D. Power: 3.0/5
NAIC: 3.17
BBB: N/R
AM Best: A+
National General Insurance was accredited by the Better Business Bureau in 1960, but it hasn’t received ratings from leading financial reporting agencies like S&P and Moody’s.
National General Insurance Quotes
Driver Profile
Average Quote
18-Year-Old
$216 per month
21-Year-Old
$129 per month
45-Year-Old
$92 per month
45-Year-Old with a Speeding Ticket
$97 per month
45-Year-Old with DUI
$97 per month
55-Year-Old
$92 per month
65-Year-Old
$94 per month
National General is one of the most expensive car insurance companies, ranking in the bottom quartile in terms of price in WalletHub’s comparison of major car insurance companies.
National General Auto Insurance Review Highlights
Top Discounts — Multi-policy, multi-vehicle, low mileage, and safe driver. Basic Coverage Options — Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.
Extra Coverage Option — National General Motor Club (roadside assistance, emergency expense reimbursement, towing, and more).
Other Specialty Auto Insurance — Collector/classic car insurance, small business auto insurance, and Mexico insurance for cars, motorcycles, and RVs.
National General Home Insurance Review Highlights
National General Insurance offers basic homeowners insurance policies, as well as coverage for renters and condo owners.
A homeowners insurance policy from National General protects your home and personal belongings from damage caused by covered risks such as fire, falling trees, theft, and more. It also covers medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.
For condo owners, an insurance policy from National General will cover your belongings and parts of your dwelling that your building’s master policy might not cover. National General condo insurance will also pay for extra living expenses should your unit or building need repairs from a covered loss.
National General offers renters insurance policies with affordable, flexible payment plans, too. Overall, National General has reliable home insurance options for a variety of situations and budgets.
Bottom Line: Is National General Insurance a Good Company?
National General Insurance is a below average insurance company, given its poor customer service record. On the other hand, it offers a generous number of discounts, as well as specialty coverage options like auto insurance for small business owners and coverage for tourists driving into Mexico. National General’s most notable insurance options include auto, homeowners and health insurance policies.
Product: National General Insurance Car Insurance
Comment
2
6
Anonymous @Anonymous
National General increased my premiums before my policy expired. I cancelled my policy and they charged me more for 10 days than I would normally pay in a month. Do not do business with them, you can get way better insurance rate elsewhere.
show more
show less
Comment
2
0
National General Insurance @NationalGeneralInsuranceCo
@johannygreg We are sorry for your experience. Please email us at [email protected] so we can help to resolve your concern.
show more
show less
Comment
0
0
National General Insurance @NationalGeneralInsuranceCo
@walkm0217 We are sorry for your experience. Please email us at [email protected] so we can help to resolve your concern.
show more
show less
Comment
0
0
Jessie Loschelder @loschelderjl
They apparently dropped comprehension coverage from my policy without notifying me never knew nothing about it till 2 months after the car got totaled the bill amount never changed Then they refused to cover the car. They tried to say you can’t have comprehension with an SR 22 but they had just fixed the car from deer damage not even six months prior.
show more
show less
Comment
1
0
View more comments
National General Insurance
essa sayed @essahan1996
Report Abuse
1 Star Rating
Extremely Unprofessional and Disappointing Experience
I normally don't leave reviews, but my experience with National General Insurance (Allstate) has been incredibly frustrating. The level of unprofessionalism I have encountered is unacceptable. I called multiple times trying to resolve an issue that was clearly caused on their end, and instead of getting help, I was met with attitude and a complete lack of accountability.
The receptionist I spoke with—who I later found out wasn't even my assigned agent—wasted nearly 30 minutes of my time and handled my frustration in a rude and unprofessional manner. Rather than listening or trying to fix the problem, she made the situation worse.
I have already received two cancellation letters and have made several attempts to get this issue corrected, yet nothing has been resolved. The communication here is terrible, and it's obvious that customer service is not a priority for them.
Honestly, I do not recommend National General Insurance (Allstate) to anyone. I am stuck with them for now because I don't have many options, but if you do—take your business elsewhere. Save yourself the stress and find a company that actually treats its customers with respect and professionalism.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
christian felix @felixnyte
Report Abuse
2 Star Rating
"I dislike this insurance company because I paid my $1000 deductible and only received $360 back.
The situation involved two other cars colliding and causing a domino effect, with one of them then hitting my parked car (I was not in my car or even present). When I told the responsible party's insurance that I wanted my car fixed, they responded that the claim amount had exceeded their coverage limits and that they were working with each individual's car insurance to resolve the matter. My insurance, National General, advised me to pay my deductible of $1000 to get my vehicle fixed and assured me that since I was not involved, I would be reimbursed. I questioned this as the other party's insurance had indicated that the claims were way over what they could cover. National General assured me that I would recover my funds after the claims were resolved.
Communication throughout the process was poorly handled. I was understandably upset because of the time it took to fix my car, the request for payment to begin repairs, and being misled about reimbursement.
After a year, the adjuster informed me that I would only receive $360 back from my deductible due to insufficient funds to cover all three cars involved in the accident. I was enraged by this and threatened to sue them. The representative scoffed and said that there were no further funds available.
I reconsidered my options and decided to accept the $640 loss. Although I was confident I would win a lawsuit, it would involve more stress and time. Ultimately, my truck was somewhat fixed, albeit not by the best repair service due to insurance issues and out-of-pocket expenses. In conclusion, my truck is cosmetically restored and operational, so I have decided to leave this honest account of my experience with National General. With only two more months until my insurance plan expires with them, I am certain that I will not renew my policy.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
Marcy Thompson @dogmom11570
Report Abuse
1 Star Rating
If I could give them a zero star rating I would this is my first time using them in the last 5 months when my second bill was due I made my payment a couple days early even called them beforehand because I was on ACH..I The date that the bill was due they tried to take the money out of my account again and then I Disputed it with them and they proceeded to charge me at $35 NFS fee when I've never not had sufficient friends in my account to pay my insurance bill My policy expires next month I did not recommend this company they overcharge you every chance they get they're unfair and I will find me another insurance company I don't recommend this insurance company to anybody This incident occurred between September and October of 2025 in Oklahoma.. Go with Allstate Farmers State farm Geico anything but national general they suck they're horrible
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
Angela Blevins @freeinjesus23
Report Abuse
1 Star Rating
Charge a ridiculous amount if you change insurance for canceling. I paid over $400 for 6 months of insurance. When I married, we combined our insurance and ended up with a cheaper quote from Progressive. We did this in the last month of my insurance, which was paid in full, but because the insurance broker, Goggins, canceled instead of letting it just lapse in a couple of weeks, National General charged me another $50. Tired of getting ripped off.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
Chris allenb @canewemail
Report Abuse
1 Star Rating
SCAMMERS Total scam artists… go somewhere else these guys are nothing but crooks, ( them and the stupid Jerry app)! I bought insurance for three vehicles 2 weeks later they threaten to cancel me for some form I supposedly needed to sign, I signed three different times ( mind you this is after I paid in full) then they canceled me anyway and now trying to keep $277.00 for absolutely nothing.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
rlellison69 @rlellison69
Report Abuse
1 Star Rating
This is the worst insurance company I have ever dealt with. I just spent an hour on hold and I still have not spoken to anyone. Someone hit my son's car and totaled it, yet I still had to pay the full insurance until the claim was settled. Now I'm trying to remove the car and no one wants to answer the call. What if it were an emergency?
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
hanna han @MIKEA960
Report Abuse
1 Star Rating
After being with National General Insurance Company for two years, I was surprised to see my premium increase by nearly $100 without any prior notice or discussion. I discovered the change while reviewing my bank account, where I noticed the higher charge had been withdrawn without my consent.
I contacted customer service three times, and each agent gave me conflicting information. Frustrated, I spoke with a friend and switched to a new insurance provider that now saves me $120 monthly. I officially canceled my policy on October 10th.
Today, I called to inquire about my refund and was told it would take 10 days to issue a check, followed by another 10 days for delivery—a total of 20 days. I asked why the refund couldn't be processed directly to my account, and the response was vague and unconvincing.
This experience has left me deeply disappointed. The lack of transparency and inconsistent communication makes the company feel untrustworthy. I do not recommend National General Insurance to anyone.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
arg rodri @argelis090809
Report Abuse
1 Star Rating
Terrible experience with National General Insurance. After a total loss accident, they tried to deny my claim, stating I didn't have coverage, even though I did. The adjuster was extremely unhelpful, only responding to texts and refusing to take calls. They didn't even notify my bank about the total loss; my bank had to reach out to them. The whole process was a nightmare. And get this—they charged me for adding my 13-year-old son to the policy as if he were an adult. Total mess.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
Brad James @theycallme24k
Report Abuse
1 Star Rating
Worst insurance ever! Don't waste your time. Adjusters don't call you back, they don't give you a copy of the pre/post scans so they can claim that the mechanical problems are not covered (just the body work), and that it was preexisting when the problems didn't occur until the time of the accident. They also put a salvage title on my car without telling me, never fixed it, or paid the lienholder for the total loss. Now I'm out thousands. Scammers!
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
shaunaleemoab @shaunaleemoab
Report Abuse
1 Star Rating
National General is the worst insurance company I have ever seen. My car had been broken down for 4 months. I just paid my premium; it was only a couple of days from the date I paid it to the date I canceled my insurance. They never gave my payment back; they kept it and they charged my account another $7.00 this month. It's the most dishonest company I've ever seen, absolutely horrible.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
klee1989 @klee1989
Report Abuse
1 Star Rating
If I could, I would give a 0 star. Worst company ever. I was billed and had no idea. Later it went to collections and I was told it was one of the hidden fees for canceling a policy, and it was over $500.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
National General Insurance
Frances Ruiz @mrsruiz37
Report Abuse
1 Star Rating
I hate giving one star! Be cautious when dealing with this company, as my experience has been far from trustworthy. I was overcharged twice due to delays in processing payments, despite a scheduled date that fell on a regular weekday—not a weekend. Their inconsistent practices suggest they manipulate or delay payment dates to create unnecessary issues, often leading to additional fees. In one case, they claimed to pull the payment several days late, causing complications with other scheduled bills. My bank records clearly confirm that they failed to process payments on the agreed-upon contract date, yet they provided numerous excuses to justify their actions. Their autopay system appears unreliable, perhaps intentionally designed to generate extra charges when payments are deemed 'late.' If your due date is the 26th, they might wait until the 29th, leaving you at risk of overdrafts or late fees. To make matters worse, their platform restricts screenshots, forcing customers to use alternative devices to document evidence. This lack of transparency raises serious concerns about the integrity of their operations. I would strongly recommend exploring other companies, as this one operates with little regard for fairness or accountability. Their practices seem deliberately geared toward profiting from their customers' misfortunes. Those who encounter similar issues should report their experiences to ensure awareness and accountability so fewer individuals fall victim to such deceptive tactics. Choose a provider that values honesty and respects its customers.
show more
show less
Product: National General Insurance Car Insurance
Comment
1
0
National General Insurance
Jessie Loschelder @loschelderjl
Report Abuse
1 Star Rating
My car was totaled back in July. I had comprehensive coverage, but now, two months later, when they finally wrap up the claim, they say they don't cover the car because I didn't have comprehensive coverage due to an SR-22 on my policy. However, they covered the car when a deer ran into it back in January. I was never notified of the coverage change, and the price of the bill never changed. Nothing they have said has made any sense to me or my insurance agent; it just sounds like a bunch of excuses not to pay anything.
show more
show less
Product: National General Insurance Car Insurance
Comment
1
0
National General Insurance
roberts_rbca @roberts_rbca
Report Abuse
1 Star Rating
They are rated A+ financially because they don't pay out claims. As a new customer, I went to use my comprehensive policy for a hit-and-run, and they told me I lied, that it was my fault, and refused my claim altogether. It's cheap insurance because they don't pay out.
show more
show less
Product: National General Insurance Car Insurance
Comment
0
0
Review National General Insurance
National General Insurance Offers
Business Insurance
Car Insurance
Commercial Auto
Commercial Property
Flood Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
Personal Articles
Renters Insurance
National General Insurance Q&A(81 questions)
Get answers to your questions about National General Insurance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
National General has a rating of A+ from AM Best, which shows that National General is financially strong and in a good position to pay out claims. National General also has a score of 3.17 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size. Consumers often note that National General has good customer service and good customer service.
National General is cheap for responsible payers because it offers discounts like paid-in-full, paperless, and autopay discounts. But there are other insurance companies that might be cheaper than National General overall.
National General wasn't among the 10 cheapest car insurance companies in our review, but it does offer a variety of discounts, like discounts for being a safe driver, having a low annual mileage, and being affiliated with certain organizations. Plus, National General rewards customer loyalty with discounts...
Full coverage car insurance from National General costs $5,429 per year, on average, and is more expensive than a liability-only policy since it provides more coverage.
Cost of National General Full Coverage by Driver's Age
The main National General NAIC number is 23728. National General's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.
With National General's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against...
To cancel National General insurance, you must contact a representative by calling 1-888-293-5108 or cancel in person with a local agent. You will need to provide basic information about yourself, your National General policy number, and the date you would like your policy to end. National General may also ask for the details of your new car insurance policy to verify you won't be driving without insurance. If you've already paid your premium for the policy period...
Yes, GMAC and National General are the same company. GMAC Insurance officially changed its name to National General Insurance in July 2013, and it still offers the same auto, RV, and home insurance options that were previously available.
National General offers roadside assistance , and you will have to carry comprehensive and collision coverage to get roadside assistance, which adds to your overall price starting at between $59 and $119. To get immediate roadside assistance help 24/7, National General customers can request service online, through the National General mobile app, or by calling (888) 293-5108.
What National General's's Basic Roadside Assistance Covers
The phone number for National General roadside assistance is 1-800-997-6651, and representatives are available 24/7. National General's roadside assistance helps people across the U.S. with towing, battery jump-starts, and more.
National General Roadside Assistance Contact Information
National General is owned by The Allstate Corporation, one of the largest publicly-traded insurance companies in the United States. The Allstate Corporation is headquartered in Northbrook, Illinois, and it has owned National General since 2021.
National General rental reimbursement pays for the cost of a rental car after the policyholder's vehicle is damaged by a covered cause, such as an accident. Rental car reimbursement insurance from National General usually costs less than $10 per month, and drivers can purchase a limit of up to $60 per day 30 days.
This coverage does not apply to rental vehicles used while the policyholder's car is undergoing routine maintenance. In addition, drivers...
Ad Disclosure: Certain offers,
companies or professionals (collectively “listings”) that appear on this site, originate from paying advertisers.
For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where listings appear on this site (including, for
example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array
of offers, companies and professionals, but our listings do not represent all financial services companies
or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely
independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
