National General operates out of Winston-Salem, North Carolina, and provides different types of auto insurance in all 50 states and Washington, D.C. The company offers several potential discounts and customization options for its personal auto insurance policies, along with special benefits, like an emergency expense allowance.
The average cost of car insurance from National General is $98 per month for liability-only coverage and $178 for full coverage.
Here’s what you need to know about National General Insurance, including coverage options and availability.
National General has cheaper average rates than similar competitors. See how average full-coverage costs from National General compare to other insurers below.
The average cost of car insurance will depend on your driving record, age, and more.1
Drivers with clean records typically pay the lowest rates, while people with past driving incidents — like a DUI conviction — typically pay higher average premiums.
Teen drivers pay the highest rates due to their lack of driving experience. Senior drivers pay much lower rates than teens and younger drivers, but drivers 70 and older may face increased rates due to aging-related risk factors.
See how National General car insurance rates for liability coverage compare to the national averages by driving record and age.
While National General offers competitive rates, prices may vary in each state because of different car insurance requirements. Prices also vary by city and ZIP code due to factors like traffic congestion, population, crime rates, accident rates, and more.
The following table compares the average National General premium for liability coverage to average statewide premiums.
Car insurance discounts can help you lower your monthly costs, so it makes sense to choose an insurance company that offers auto insurance discounts that provide the best deal.
Depending on your specific needs, you may qualify for the following National General discounts and save money on your car insurance policy:
Bundling
Pay-in-full
Low mileage
Security device
Multi-vehicle
Safe driver
Paperless
National General has a strong financial rating of A+ (Superior) with the credit-rating agency AM Best. But the insurer has earned very low ratings from customers and in third-party industry rankings.
Trustpilot reviewers have given the company a rating of 1.7 out of 5 stars. Some customers left negative responses about the company’s claims handling and poor customer service.
The negative online reviews align with National General’s above-average number of complaints filed with the NAIC for the company’s size. Additionally, National General has a low average customer satisfaction ranking in the J.D. Power 2024 U.S. Auto Insurance Study.2
Reviews provide valuable information about how a company interacts with its customers and handles issues. The following user experience reviews are from real, verified National General Insurance customers.
Reviewing insurance industry ratings can help you gauge a car insurance company’s performance in key areas. Third parties can objectively rate a company’s financial strength, customer service track record, and claims handling process.
Learn more about National General Insurance ratings from AM Best, J.D. Power, and the NAIC below.
National General Insurance offers liability-only car insurance and full-coverage car insurance policies. You may want to purchase more than your state’s minimum insurance requirements for added vehicle protection and peace of mind.
In addition to standard collision and comprehensive insurance, National General advertises the following optional auto insurance products on its website:
In addition to car insurance, National General Insurance offers the following types of insurance policies:
Home insurance: After a destructive event, a homeowners insurance policy pays for expenses like replacing your belongings and can cover the total loss of your home.
Flood insurance: Homeowners and renters insurance policies don’t cover flood-related losses to your dwelling and belongings, but a flood insurance policy will. It will also pay for you to live elsewhere while your home needs repairs after a covered claim.
Condo insurance: Condo insurance typically covers the interior of your condo unit, liability costs, and additional living expenses.
Renters insurance: Renters insurance covers your belongings and personal liability when you rent your home. Your landlord will be responsible for insuring the structure.
Motorcycle insurance: This covers your motorcycle against theft and damage, as well as giving financial protection if you cause an accident while riding.
Recreational vehicle (RV) insurance: RV insurance typically covers large vehicles like campers, travel trailers, golf carts, and more.
Collectibles insurance: Collectibles insurance is a separate endorsement or rider on your homeowners insurance policy that provides higher coverage limits for special items.
Personal umbrella insurance: Umbrella insurance is an optional endorsement on your homeowners insurance policy that pays for losses if they exceed your coverage limits.
DynamicDrive is a telematics program from National General. The company monitors certain behind-the-wheel behaviors and bases your premiums on your driving habits. The company says you can qualify for a 10% discount just for signing up.
Once you install the smartphone app, it collects the following data:3
Time of day you drive
Whether you handle the phone while driving
Hard and extreme braking
Speeding at or above 80 mph
The program is a good option for anyone looking to save money on their premiums, though high-risk drivers may see their rates increase.
The following information can help you decide whether National General is a good fit for your auto coverage.
Yes. National General Insurance is a legitimate company with an AM Best financial strength rating of A+ (Superior). But the NAIC has received many more complaints regarding National General than other car insurance companies of the same size.
On average, National General policyholders pay $98 per month for liability insurance and $178 for full-coverage insurance. How much you pay for coverage depends on a number of factors, including your driving record, age, credit history, and more.
Yes. National General Insurance has a superior ability to meet its ongoing insurance obligations, according to its A+ financial strength rating from AM Best. But existing complaints from customers online point to a long history of poor claims experiences.
Before canceling your car insurance policy, you should have another policy in place to avoid a coverage lapse. Once you’re ready to cancel, you can make phone calls to the company directly or one of the insurance agents who work with National General. You may need to provide your policy number and personal information to confirm your identity.
Before officially canceling your policy, ask whether the company will charge you a cancellation fee and how you can receive any refund owed to you.
Yes. Allstate purchased National General Insurance in 2021.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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Ph.D. in Computational Biology
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