National General Insurance Review for 2025 (+Rates & Discounts)
Our National General insurance review found minimum auto coverage starts at $86 per month. National General insurance cost includes benefits like DynamicDrive, emergency expense coverage, and specialty protection for RVs, motorcycles, and valuables like private collections, offering flexible policy options.
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
UPDATED: Aug 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Aug 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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National General Insurance
Auto Min. Coverage Monthly Rate:
$86A.M. Best Rating:
A-Complaint Level:
MedPros
- Sells policies to high-risk drivers, including first-time DUI offenders
- Will file SR-22 insurance if needed
- Good policy options for people with a car and an RV to insure
Cons
- No mobile app
- Rates are higher than the national average
- Receives more complaints than expected for a company its size
Our National General insurance review finds that National General, an Allstate company, offers auto coverage starting at $86 per month.
National General Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 4.1 |
| Business Reviews | 3.5 |
| Claim Processing | 3.3 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.0 |
| Customer Satisfaction | 1.6 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.3 |
| Plan Personalization | 4.0 |
| Policy Options | 5.0 |
| Savings Potential | 4.5 |
While rates vary based on driving record and credit, the company provides flexible coverage options, including comprehensive auto insurance, DynamicDrive, and specialty protection for RVs and motorcycles.
It also covers homes, small businesses, and valuables. With solid financial backing and bundling discounts, National General suits drivers seeking flexible coverage.
- National General auto insurance starts at $86 per month for minimum coverage
- Offers unique features like DynamicDrive and protection for specialty vehicles
- Covers homes, small businesses, and valuables with flexible policy options
Comparing quotes is a requirement when looking for the best rates available. Enter your ZIP code using our free tool for an idea of the quotes you might face today.
National General Auto Insurance Cost
National General auto insurance rates decrease with age and show minor gender differences. At age 16, rates are highest, with females paying $327 per month and males paying $358. By age 25, premiums drop sharply to around $100 for both.
Rates continue to decline through mid-life, reaching the lowest at age 55, when females pay $81 and males pay $82.
National General rates fall with age, but reviewing your policy yearly can boost savings. For example, report reduced mileage or improved credit to gain extra discounts.
Jeff Root Licensed Insurance Agent
At age 65, the rate for females rises slightly to $85, reflecting increased risk among senior drivers, making it essential to compare options for cheap auto insurance for seniors. Overall, rates fall as drivers age, and gender differences become minimal.
National General vs. Competitors: Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
 | $87 | $124 | $152 | $103 |
 | $62 | $94 | $104 | $73 |
 | $43 | $71 | $117 | $56 |
 | $96 | $129 | $178 | $116 |
| $86 | $142 | $234 | $112 |
 | $63 | $88 | $129 | $75 |
 | $56 | $98 | $75 | $74 |
 | $47 | $57 | $65 | $53 |
 | $53 | $76 | $112 | $72 |
 | $32 | $42 | $58 | $36 |
National General’s auto insurance rates are average for clean drivers at $86 per month but rise steeply with violations. After one accident, the rate jumps to $142, and with a DUI, it reaches $234—much higher than competitors like USAA, State Farm, and Geico.
Even with a single ticket, National General charges $112, compared to $56 from Geico and $36 from USAA. Overall, while acceptable for safe drivers, National General becomes costly for those with infractions.
National General vs. Competitors: Auto Insurance Monthly Rates| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $62 | $166 |
| $43 | $114 |
| $96 | $248 |
| $86 | $230 |
| $65 | $164 |
| $56 | $150 |
| $47 | $123 |
| $53 | $248 |
| $32 | $84 |
National General’s auto insurance rates are higher than many major competitors for both minimum and full coverage. It charges $86 per month for minimum coverage, more than State Farm at $47, Geico at $43, and USAA at $32.
National General’s rates are higher, so compare cost and benefits. For example, paying a bit more for added roadside or rental coverage can be worth it.
Melanie Musson Published Insurance Expert
National General full coverage insurance averages $230 per month, placing it at the higher end of the market. Depending on where you live, it may not be the most affordable option compared to USAA at $84, Geico at $114, and State Farm at $123, making it less of an ideal pick for budget-conscious drivers.
National General vs. Competitors: Auto Insurance Monthly Rates by Credit Score| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $134 | $172 | $226 |
| $110 | $130 | $150 |
| $105 | $125 | $145 |
| $95 | $115 | $135 |
| $100 | $120 | $140 |
| $102 | $122 | $142 |
| $98 | $118 | $138 |
| $90 | $110 | $130 |
| $112 | $132 | $152 |
| $85 | $105 | $125 |
National General’s auto insurance rates are among the highest across all credit tiers. For drivers with good credit, it charges $134 per month, up against USAA at $85, State Farm at $90 and Geico at $95.
With fair credit, National General’s rate increases to $172, while most competitors remain closer to $110 to $125. For bad credit, National General charges $226, far above alternatives like Geico at $135 and USAA at $125. Overall, National General is also not as price competitive overall, but in particular with those who have lower credit scores.
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National General Home Insurance Cost
National General’s home insurance rates are close to the industry average but not the most affordable. For a $200,000 policy, it charges $65 per month, higher than USAA at $56 and Geico at $58. At $300,000, National General’s rate is $90, slightly above USAA at $79 and State Farm at $83.
National General vs. Competitors: Home Insurance Monthly Rates by Policy Amount| Company | $200K | $300K | $500K | $1M |
|---|---|---|---|---|
| $66 | $93 | $140 | $208 |
| $61 | $86 | $129 | $195 |
| $58 | $82 | $124 | $188 |
| $67 | $95 | $143 | $210 |
| $65 | $90 | $135 | $200 |
| $62 | $88 | $133 | $199 |
| $60 | $85 | $128 | $192 |
| $59 | $83 | $125 | $186 |
| $63 | $89 | $134 | $200 |
| $56 | $79 | $120 | $182 |
For $500,000 in coverage, National General charges $135, while USAA and Geico offer lower rates at $120 and $124, respectively. See our USAA insurance review for details.
At the $1 million level, National General’s $200 monthly rate is competitive but still above USAA at $182 and State Farm at $186. Overall, National General offers solid coverage but more affordable options are available from competitors like USAA, Geico, and State Farm.
Ways to Save With National General Insurance
National General, known as one of the best auto insurance for good drivers, offers a variety of discounts to help customers save, including up to 25% off with a multi-car policy and 15% for good students.
National General Insurance Discounts| Discount | |
|---|---|
| Multi-Car | 25% |
| Good Student | 15% |
| Anti-Theft | 12% |
| Accident-Free | 10% |
| Bundling | 10% |
| Defensive Driving | 10% |
| Safe Driver | 10% |
| Low Mileage | 10% |
| Paperless | 5% |
Additional savings include 12% for anti-theft devices and 10% each for being accident-free, bundling policies, completing defensive driving courses, keeping a safe driving record, or driving low mileage. Going paperless also earns a 5% discount.
National General Auto Insurance Coverage
Knowing your auto insurance coverage is key to protecting yourself, your passengers, and your vehicle. National General offers essential options for accidents, theft, and more. Here are five you should know.
- Liability Coverage: Liability auto insurance covers you if you hurt someone in an accident and they require immediate medical attention.
- Collision Coverage: Includes your vehicle being hit while parked, and helps in repairs or replacement of it even if you are at fault.
- Comprehensive Coverage: National General’s comprehensive coverage protects your vehicle against non-collision-related damages such as theft, vandalism, fire, hail, or falling objects.
- Uninsured/Underinsured Motorist Coverage: Covers your medical expenses and vehicle damage if you’re hit by a driver with little or no insurance.
- Medical Payments Coverage (MedPay): It helps cover medical costs for you and your passengers post-accident, regardless of fault.
These basic coverages complement each other to give you complete protection for your vehicle and others on the road.
Having the right coverage helps you stay protected from repair costs, medical bills, and liability. Regularly reviewing your policy with an agent ensures it matches your needs and state requirements.
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Other Insurance Products From National General
National General offers a variety of coverage options for RVs, motorcycles, homes, businesses, and more, with flexible features and add-ons designed to match different lifestyles and protection needs, helping homeowners choose the right protection by understanding the eight types of homeowners insurance policies.
Commercial Vehicle Insurance
National General offers commercial vehicle insurance tailored for small businesses, including core protections like liability and collision auto insurance, plus extras like tools and non-owned auto coverage. Optional add-ons such as pollution liability and AD&D, along with the DynamicDrive app for safe-driving discounts, help businesses stay protected and save.
RV Insurance
National General RV Insurance provides specialized coverage for personal belongings, vacation liability, full replacement cost, and attachments.
It also offers roadside assistance, emergency expense coverage, and valuable National General insurance discounts, including savings opportunities featured in 17 car insurance discounts you can’t miss.
Motorcycle Insurance
National General provides tailored coverage for various motorcycles, including cruisers, sport bikes, and touring models, with protections like liability, collision, comprehensive, and custom parts coverage. Riders can also benefit from the best nulti-vehicle auto insurance discounts, as well as savings for safe driving, multi-policy bundling, and secure storage.
Homeowners Insurance
National General Insurance Group is a trustworthy company that can protect your home from the potential of total loss.
It also offers options to rebuild with sustainable materials, covers personal belongings, and includes identity theft protection. With available discounts like the best anti-theft auto insurance discounts and customizable benefits, it delivers both value and peace of mind.
Condo Insurance
National General Insurance’s homeowners insurance coverage explained highlights protection tailored for your condo’s interior and personal belongings, filling gaps left by your condo association’s master policy, with coverage for damage, theft, and personal liability to help keep your home and valuables secure.
Renters Insurance
The best renters insurance companies protects your belongings from risks like theft, fire, vandalism, and certain water damage, while also covering liability if someone is injured in your rental or you cause property damage.
Many policies include living expense coverage, making it an affordable way to safeguard your home and peace of mind.
Flood Insurance
Beyond Floods offers higher coverage, faster activation, and added benefits such as loss of use, basement protection, and coverage when animals or natural disasters damage your vehicle. The National Flood Insurance Program provides basic coverage for essential needs, helping homeowners choose the right protection based on their property and risk.
Private Collections Insurance
National General Insurance, recognized among the best auto insurance for luxury and exotic vehicles, also offers specialized coverage for valuables like heirlooms, fine china, and collectibles that may exceed standard homeowners insurance limits. Independent agents help you find the right policy, so your collection stays protected as it grows.
Umbrella Insurance
National General Holdings Corp. offers added liability protection beyond standard policies, including personal injury protection (PIP) insurance, which helps cover medical expenses after an accident. It also provides coverage for legal defense, employment practices, not-for-profit roles, and incidents worldwide, helping protect your finances and peace of mind.
NatGen Health
National General, an Allstate Company, has transitioned all NatGen Health individual and business policies under Allstate Benefits, expanding support while retaining NatGenHealth’s customer service for a smoother, more integrated experience.
Bundling your home insurance with other policies like auto or umbrella coverage usually will provide extra discounts and make National General pricing more competitive.
Michelle Robbins Licensed Insurance Agent
National General offers flexible insurance options backed by Allstate Benefits, helping customers protect their homes, vehicles, businesses, and more with tailored coverage and helpful discounts. Discover details in our Allstate insurance review.
National General Insurance Ratings & Consumer Reviews
National General auto insurance reviews highlight the company’s strong financial stability, with an A- rating from A.M. Best and an A+ from the BBB, reflecting solid reliability.
National General Insurance Business Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 672 / 1,000 Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 72/100 Avg. Customer Feedback |
 | Score: 1.12 Avg. Complaints |
 | Score: A- Excellent Financial Strength |
The customer satisfaction is just a little behind the mean with a J.D. Power rating of 672/1,000, a Consumer Reports rating of 72/100 and a complaint index of 1.12. Reliable financially, with possibility to enhance customer service.
Yelp reviewers often highlight National General’s convenient digital tools and easy online policy management. For those who prioritize accessibility and efficiency, the company may still be worth considering, especially by reviewing recent Yelp feedback and the guide on how to file an auto insurance claim & win for a balanced perspective.
Pros and Cons of National General Insurance
When considering National General, it’s helpful to review key pros and cons to see if the coverage and services match your needs. Here are some highlights based on features and customer feedback.
- Wide Range of Insurance Products: Offers diverse coverage types including auto, RV, motorcycle, homeowners, renters, flood, and commercial vehicle insurance—ideal for bundling.
- Specialized Coverage Options: Provides unique options like DynamicDrive® (a telematics program), emergency expense allowances, and lifetime repair guarantees (in select areas).
- Easy Online Policy Management: Customers like having access to their policy and billing options online, and consumers on sites such as Yelp find the digital convenience and payment options incredibly valuable.
National General Insurance is a strong choice for those seeking flexible coverage and policy bundling, offering valuable features like specialized options and telematics.
- Pricing Fluctuations by Credit Score: Rates increase significantly for drivers with fair or poor credit, making it less competitive for those outside the top credit tier.
- Limited Digital Features: Lacks a mobile app and does not offer advanced digital tools like real-time National General insurance claim tracking, which many competitors provide.
However, potential drawbacks include significantly higher premiums for drivers with fair or poor credit, making National General less competitive for some compared to options that specialize in cheap auto insurance for high-risk drivers.
To ensure you’re getting the best value, it’s important to compare multiple insurance providers based on coverage options, pricing, and customer experience before making a final decision.
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Find Affordable National General Insurance Options
Read our National General insurance review to explore flexible coverage options, with minimum auto insurance rates starting at $86 per month, and see how it compares to the best car Insurance companies.
National General offers specialized coverage and discounts for those seeking customization, though higher rates for lower credit and limited digital tools may deter some. It remains a solid pick for drivers wanting flexible protection with strong financial support.
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Frequently Asked Questions
Is National General Insurance legit?
Yes. National General is a legitimate and well-established insurer, now operating under Allstate. It’s financially strong (A‑ from A.M. Best), offers real policies in all 50 states, and backs them with licensed customer support.
What do National General Insurance company reviews say about customer satisfaction?
Reviews are mixed—many customers praise National General for flexible coverage options and multi-policy discounts, but others note higher rates for those with lower credit and limited digital tools.
Compare the cheapest companies near you with our free comparison tool by entering your ZIP code in our free comparison tool.
Why is National General so cheap?
National General may offer lower rates for drivers with clean records or those eligible for discounts like multi-policy bundling, safe driving (DynamicDrive), and the best low-mileage auto insurance discounts. However, rates can rise significantly for drivers with lower credit scores or violations.
Is National General a good insurance company?
Yes, National General, an Allstate company, is financially strong and offers flexible coverage options with unique features like DynamicDrive. However, its auto insurance rates can be higher for drivers with lower credit scores.
Can riders bundle their National General motorcycle insurance with other policies?
Yes, National General does offer bundling motorcycle insurance with other policies including auto, RV and homeowners insurance. Combining policies also makes for a more efficient experience, and often unlocks multi-policy discounts that can reduce the overall cost of coverage.
Is customer satisfaction higher with Liberty Mutual or National General?
Liberty Mutual generally scores higher in customer satisfaction surveys and complaint index ratings, while National General receives average reviews with some praise for policy bundling and specialty services. See our Liberty Mutual insurance review for more.
Are claims experiences generally positive in National General Health Insurance reviews?
Numerous National General Health Insurance reviews cite smooth claims processing and transparency. Customers value having access to online tools for submitting and tracking claims, though a few report delays or documentation issues.
Does National General Vehicle Insurance offer accident forgiveness or safe driving rewards?
National General Vehicle Insurance features a telematics program called DynamicDrive, which rewards safe driving habits with discounts. However, it does not automatically include accident forgiveness, so drivers should review policy add-ons for that option.
Is National General or Travelers cheaper for auto insurance?
National General may offer lower rates for drivers with clean records or those eligible for discounts like multi-policy bundling, safe driving (DynamicDrive), and low mileage. However, rates can rise significantly for drivers with lower credit scores or violations. Find the full list in our Travelers auto insurance review.
How reliable is the claims process based on National General Home Insurance reviews?
National General Home Insurance reviews generally describe the claims process as straightforward, but some customers report mixed experiences with communication and claims resolution speed, depending on the complexity of the case.
Are National General Insurance company ratings consistent across product lines?
Ratings for financials are solid, but different products can have different satisfaction. For example, National General auto insurance reviews tend to be inconsistent whereas policies for homeowners and RVs have a slightly better reputation because of specializations available with their plans.
Are National General insurance quotes higher for drivers with past violations?
Yes, quotes from National General tend to rise significantly for drivers with at-fault accidents, DUIs, or speeding tickets, making it essential to compare with the cheapest car insurance options, as rates can climb from $86 per month for clean records to over $200 for higher-risk profiles.
Does National General Commercial auto insurance include coverage for employee drivers?
Yes, National General Commercial auto insurance can include non-owned auto coverage and liability protection for employees driving company or personal vehicles for business purposes.
How do I cancel my National General auto insurance policy?
To cancel your National General auto insurance policy, call customer service at 1-888-293-5108. Be ready to provide your policy number and the cancellation date. Some policies may require written notice.
Compare insurance rates today by entering your ZIP code into our free comparison tool.
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
