National General Auto Insurance Review for 2024

If you’re looking for high-risk auto insurance, you could consider National General as your insurance company. National General offers auto insurance coverage to high-risk drivers throughout the United States. While your rates may be higher-than-average with National General, other insurance companies may be unwilling to insure you.

Before you purchase car insurance with National General Insurance Company, find and compare quotes from top companies in your area. Doing so will help you learn whether National General insurance rates are competitive.

What are the pros of a National General auto insurance policy?

With National General, policyholders enjoy several benefits. Some of the most common benefits of an auto insurance policy with National General include:

• Policies for first-time DUI offenders
• Options to file SR-22 when necessary
• Discounts for affiliations with General Motors
• Discounts for people who bundle an auto insurance policy with an RV policy

Depending on what you’re looking for, National General could be a great fit for you and your family. 

National General Offers Policies to DUI Offenders

Getting a DUI can make life pretty challenging. Fortunately, National General sells insurance policies to people with a DUI. 

If you only have one DUI on your driving record, you’ll likely get a policy with National General. Unfortunately, your insurance rates will probably be much higher than average, but many companies refuse coverage to people with a DUI.

Individuals with more than one DUI may be denied coverage, serve jail time, or face license suspension.

National General Files SR-22 Forms

You may have to file an SR-22 for several reasons if you’re a high-risk driver. Some of the most common reasons for needing SR-22 insurance include:

• Driving under the influence of drugs or alcohol
• Driving with a suspended or revoked license
• Acquiring too many speeding tickets
• Being at fault in multiple motor vehicle accidents
• Acquiring too many traffic violations
• Failing to pay child support

If your state decides you need to file an SR-22, you’ll have to find an insurance company willing to help you. In some cases, you may be able to stay on with your current company, though doing so could mean high rates. 

Consider getting a quote for National General car insurance to see how much you’d pay for coverage.

Discounts for General Motors Affiliation

National General may offer additional coverage discounts if you have a General Motors membership. 

Some discounts can help you save up to 25% on your car insurance coverage. If you have a General Motors membership, check with a National General representative to see how much you could save on coverage.

Discounts for Bundling Policies

If you purchase multiple insurance policies with National General, you may qualify for additional discounts on coverage.

Many insurance companies offer discounts for bundling policies. With National General, you could get a discount on your insurance premium if you bundle an auto insurance policy with an RV policy.

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What are the cons of an auto insurance policy with National General?

National General may be a great choice for some people, but others should consider the downsides of purchasing a policy with the company. Some of the most significant drawbacks to a National General auto insurance policy include:

• Several customer complaints
• No mobile app
• Below-average customer service ratings

Some people may not care about the items listed above, but if they’re important to you, you may want to consider another company for coverage.

National General Customer Complaints

According to the National Association of Insurance Commissioners (NAIC), National General has several complaints. The NAIC’s customer complaint index average is 1.0 — National General’s score has been as high as 3.44.

Common complaints about the company include poor customer service and insufficient policy structure and coverage information.

No National General Mobile App

If you prefer an insurer that offers an app on your smartphone, National General may not be for you. The company doesn’t offer an app to help customers file claims, access policy information, or speak with a representative.

Using your National General Insurance login, you can pay your insurance bill on the National General website. However, policyholders want more and better technology than National General offers.

Low Customer Service Ratings

National General has one out of five stars with the Better Business Bureau (BBB). The low customer service rating with BBB is due mainly to the company’s poor customer service.

Many customers complain that National General doesn’t assist them well when filing a claim. Additionally, many customers say National General denies claims the company should have accepted.

National General Insurance has received 1,249 complaints with the BBB in the last three years. While the company works to resolve the complaints, customers don’t seem very happy with how it does.

Is National General Insurance good?

You may be curious whether National General is a good company. To decide whether National General is a good company for you, you’ll need to figure out what matters most to you and your family.

Insurance with National General may be worse if you’re focused on paying low rates or finding a company with positive customer ratings. Unfortunately, in both scenarios, National General may prove disappointing.

Are National General insurance rates competitive?

National General doesn’t offer competitive rates on car insurance. The company often charges two and three times more for a policy than other competitors like Geico and State Farm. Most National General policyholders pursue the company because they can’t get insurance from other companies.

If you have a good driving history, you should look elsewhere for car insurance, as National General will likely charge you more for a policy than other companies.

Why does National General have low customer ratings?

As mentioned previously, National General’s customer complaint index has been as high as 3.44, suggesting the company received far more customer complaints than the average company of its size.

Most complaints about the company revolve around its high rates and poor customer service. So if good customer service is important to you, National General may not be a good insurance company. 

Why do people get insurance with National General?

Though the company may not be the best for many drivers, National General can be a helpful option for people with a bad driving record. In addition, high-risk drivers unable to get a policy elsewhere could see National General as a great option for coverage.

DynamicDrive with National General

While the company doesn’t offer a mobile app, it allows customers to save money by enrolling in its DynamicDrive program.

DynamicDrive is a telematics monitoring program that allows National General to monitor a policyholder’s driving habits, like hard braking, acceleration, speeding, driving time of day, and other factors.

DynamicDrive helps policyholders with safer driving habits save money with a discount on coverage. If you’re a safe driver, you may benefit from enrolling in the program once you purchase a National General policy.

Discounts for RV Drivers

If you insure your car and RV with National General, you could save up to 20% on your coverage.

Additionally, if you’re involved in a car accident, and your RV and car get damaged, National General waives one of the deductibles, allowing you to save on your repair costs for both vehicles.

Benefits for General Motors Members

National General started its business as the Motors Insurance Company, which General Motors founded. Due to this unique relationship, National General offers discounts and better rates to General Motors affiliates.

National General is now owned and operated by Allstate. Allstate acquired the company in 2021.

Does National General handle claims well?

National General Insurance reviews suggest the company has an underwhelming claims process. The claims filing process doesn’t take long with National General, and the company typically pays out accepted claims within 48 hours.

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What types of car insurance does National General offer?

National General offers several different types of car insurance to its policyholders. These coverages include:

• Bodily injury liability
• Property damage liability
• Collision
• Comprehensive
• Medical payments
• Uninsured motorist
• Underinsured motorist
• Personal injury protection

With the coverages listed above, you can purchase your state’s requirements for minimum coverage. You could also add collision and comprehensive to your car insurance policy to have full coverage on your vehicle.

Does National General offer add-on coverages?

In addition to the car insurance coverage options listed above, National General offers the following add-ons for increased protection:

• Rental reimbursement. Rental reimbursement pays for rental fees if your car is in the shop after a covered event.
• Roadside assistance. Roadside assistance covers roadside services you may need if you’re stranded, such as fuel delivery, flat tire repair, towing, and more.
• Locksmith services. Locksmith service covers up to $50 for a locksmith to replace a key or retrieve it if you accidentally lock it inside your car.
• Accidental death and dismemberment. This offers coverage to you or your family if you lose a limb or die due to a covered accident.
• Auto protection plan. This coverage offers specific protection alongside a full coverage policy.
• Coverage extension to Mexico. If you drive to Mexico and get into an accident, this coverage could help you with fees and repairs.

National General’s add-on coverage options may be what you need, depending on your situation. If you find these coverages helpful, call and speak with a National General representative to see how much you’d pay for coverage.

Does National General offer any additional benefits?

As a National General policyholder, you can enjoy several benefits, like emergency services, a lifetime guarantee on repairs, and guaranteed claims service satisfaction. In addition, National General offers the DynamicDrive program, which helps safe drivers save money on their monthly or annual rates.

What is the National General Motor Club?

The National General Motor Club offers several benefits to its members, including:

• Trip routing and maps
• Discounts on dining, shopping, and entertainment
• Around-the-clock support
• Roadside services
• Locksmith services
• Towing to the closest repair facility
• Trip interruption protection
• Legal defense
• Arrest bond
• Hospital emergency room bond

You don’t need to become a National General Motor Club member to purchase auto insurance with the company. Still, a membership may be helpful and reasonable in terms of cost.

Does National General offer discounts on coverage?

National General offers discounts on coverage to General Motor affiliates. In addition, the company offers the following discount opportunities to its policyholders:

• Paid-in-full. If you pay for your policy in full every year, you can get a discount on car insurance coverage with National General.
• Multi-vehicle discount. You’ll save a percentage off your annual rates if you purchase policies for multiple vehicles with National General.
• Safe driver. You can get a discount on coverage if you take a defensive driving course with National General.
• RV bundle. You can save 20% on your car insurance by bundling your car and RV policies.
• Motorcycle. You can get a discount if you insure more than one bike with National General.
• Multi-policy. If you purchase more than one insurance policy with National General, you can save money on coverage.
• Paperless. Save a little on your coverage if you choose paperless notifications.
• Anti-theft. If your vehicle has anti-theft features, you may be eligible for discounts with National General.
• Auto-pay. Set up automatic payments with National General to save more on coverage.
• Low mileage. You could get a low mileage discount with National General if you don’t drive that much.

Auto insurance discounts can help people save up to 25% on their rates. If you’re eligible for discounts with National General, speak with a company representative to learn how much you could save on your car insurance.

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How much is National General car insurance?

Car insurance rates with National General vary for several reasons. For example, insurance companies consider your age, location, driving history, credit score, and much more when determining how much you’ll pay for auto insurance.

With National General, expect higher-than-average rates for coverage. However, the company may be a good option if you’re a high-risk driver.

Teen Drivers

National General charges high rates for teen drivers. On average, a National General policy for a teen driver costs $7,561 annually or $630 a month for a female. Males pay $8,103 annually or $675 monthly on average.

Monthly Full Coverage Teen Auto Insurance Rates for the Top Insurance Companies

Insurance Company	16-Year-Old Male With a Clean Record	16-Year-Old Female With a Clean Record
Allstate	$638	$608
American Family	$480	$390
Farmers	$742	$778
Geico	$312	$298
Liberty Mutual	$779	$716
Nationwide	$476	$411
Progressive	$814	$801
State Farm	$349	$311
Travelers	$897	$709
National Average	$610	$558

The average cost of car insurance for a teen driver is around $4,962 annually or $414 monthly for a female. For a male, rates are around $5,661 annually or $472 per month. National General’s rates are around 30% more than the national average.

Young Adult Drivers

Young adults pay more on average for car insurance with National General than with other well-known companies. 

Young adult females pay $2,141 annually or $178 each month for coverage with National General. Young adult males pay a bit more. National General charges $2,259 annually or $188 per month.

Young drivers pay 6% more for policies with National General than the U.S. national average. Other companies in your area may offer more affordable car insurance rates for young adults.

Adult Drivers

Adults pay more for a car insurance policy with National General than they do with many other companies.

Full Coverage Auto Insurance Monthly Rates by Age & Gender

National General charges a 35-year-old female $1,842 annually or $154 monthly for a car insurance policy. The national average for a 35-year-old female is $1,476 annually or $123 per month.

A 35-year-old male will pay $1,836 annually or $153 each month for car insurance. The national average for car insurance for a 35-year-old male is $1,485 annually or $124 each month.

Other well-known auto insurance companies like Geico and State Farm may charge less for auto insurance policies than National General. The only way to know how much you’ll pay with other insurance companies is to find and compare quotes.

Senior Drivers

Senior drivers pay the highest premiums after teen drivers for coverage. If you’re 60 years old or older, you may have higher-than-average rates for your auto insurance. Seniors pay higher-than-average rates for auto insurance with National General.

A 60-year-old female pays around $1,668 annually or $139 each month for coverage. The national average for a 60-year-old female is $1,332 annually or $111 each month. 

For a 60-year-old male, he’ll pay $1,754 annually or $141 per month for coverage. In contrast, a 60-year-old male pays $1,365 annually or $114 each month for auto insurance on average. 

You’ll pay almost 10% more with National General than the national average, and companies like Geico can offer more competitive rates in many cases.

Speeding Ticket

You’ll pay higher rates if you have a speeding ticket on your driving record. Many insurance companies see you as a higher risk with a ticket, resulting in higher rates.

Average Monthly Rates for the Top Insurance Companies for Drivers with a Traffic Ticket

Insurance Company	Rates with a Ticket	Rates with a Clean Record
Allstate	$195	$166
American Family	$131	$116
Farmers	$176	$140
Geico	$107	$82
Liberty Mutual	$217	$177
Nationwide	$145	$120
Progressive	$143	$109
State Farm	$102	$91
Travelers	$148	$107
Average	$152	$123

With National General, you’ll pay around $2,407 annually or $201 each month for coverage. The national average for auto insurance with a ticket on your driving record is $1,910 annually or $159 each month. 

You should be able to find cheaper rates with companies like Geico, State Farm, and Allstate. In some cases, these companies offer coverage for $1,000 cheaper each month.

An At-Fault Accident

If you have an accident on your record, you’ll pay higher-than-average rates for coverage since most companies see people with an accident on their records as a higher risk.

Average Monthly Rates for the Top Insurance Companies After an Accident

Insurance Company	Rates with an Accident	Rates with a Clean Record
Allstate	$237	$166
American Family	$166	$116
Farmers	$198	$140
Geico	$132	$82
Liberty Mutual	$236	$177
Nationwide	$165	$120
Progressive	$190	$109
State Farm	$107	$91
Travelers	$157	$107
USAA	$996	$63
Average	$176	$123

National General charges around $2,784 annually or $232 each month for car insurance coverage if you have an at-fault accident on your driving record. The national average for this coverage is $2,180 annually or $182 each month.

National General rates are often $1,200 more annually than rates with State Farm and Geico.

A DUI

A DUI is a very serious conviction. You could face fines, license suspension or revocation, and jail time if you have a DUI on your driving record. A DUI can also cause you to pay nearly three times as much for car insurance.

Average Monthly Rates for the Top Insurance Companies After a DUI

Insurance Company	Rates with a DUI	Rates with a Clean Record
Allstate	$303	$166
American Family	$177	$116
Farmers	$191	$140
Geico	$213	$82
Liberty Mutual	$325	$177
Nationwide	$252	$120
Progressive	$146	$109
State Farm	$124	$91
Travelers	$230	$107
USAA	$1,335	$63
Average	$218	$123

National General charges $2,653 annually or $221 each month for car insurance. The average cost for coverage for this demographic is $2,601 annually or $217 each month.

A DUI can remain on your driving record for up to 15 years. So if insurance companies see a DUI on your record, you’ll likely pay higher coverage rates for several years. However, if your driving record gets expunged, certain companies charge you less for coverage.

Poor Credit

You’ll probably pay higher coverage rates if you have poor credit. Studies show a correlation between low credit scores and a higher likelihood of car insurance claims. So, many companies charge people with bad credit more for coverage.

Average Monthly Auto Insurance Rates by Credit Rating

Insurance Company	Rates with Poor Credit	Rates with Fair Credit	Rates with Good Credit
American Family	$203	$136	$116
Farmers	$269	$161	$139
Geico	$148	$100	$82
Liberty Mutual	$357	$226	$176
Nationwide	$165	$132	$120
Progressive	$206	$137	$109
State Farm	$200	$117	$90
Travelers	$194	$127	$107
USAA	$129	$76	$63
Allstate	$296	$196	$166
Average	$226	$148	$123

People with bad credit pay around $2,961 annually for car insurance with National General, equating to around $543 each month. The national average for auto insurance for people with bad credit is $2,757 annually or $230 each month.

You can probably get better rates with Geico if you have bad credit. However, shopping online and comparing rates with multiple companies in your area is important.

How much is minimum coverage with National General?

National General charges $1,782 annually or $149 each month for minimum car insurance coverage. As a result, National General rates are higher than many other companies.

Average Minimum Coverage Monthly Rates for the Top Auto Insurance Companies

Insurance Company	Average Minimum Coverage Rates
Allstate	$50
American Family	$48
Farmers	$56
Geico	$31
Liberty Mutual	$64
Nationwide	$49
Progressive	$39
State Farm	$33
Travelers	$37
Average	$45

The national average for car insurance is $1,463 for a minimum coverage policy, equating to $122 monthly. National General’s rates are around 22% higher than the national average. However, you should be able to get cheaper rates with Geico.

How much is a full coverage policy with National General? 

A full coverage policy costs more than minimum coverage. If you purchase a full coverage policy with National General, you’ll pay around $2,059 annually or $172 per month for auto insurance.

Average Monthly Full Coverage Rates for the Top Auto Insurance Companies

Insurance Company	Average Full Coverage Rates
Geico	$80
State Farm	$86
Travelers	$99
Progressive	$105
Nationwide	$115
American Family	$116
Farmers	$138
Allstate	$160
Liberty Mutual	$173
National Average	$119

The national average for a full coverage policy is $1,622 annually or $135 each month. You should be able to get cheaper rates with Geico and State Farm.

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What other types of insurance does National General offer?

In addition to car insurance, National General offers the following types of insurance:

• Homeowners
• Condo
• Renters
• Motorcycle
• RV
• Small business auto
• Accident 
• Health

If you bundle multiple insurance types with National General, you could save on your car insurance rates. 

National General Car Insurance: The Bottom Line

If you’re looking for high-risk car insurance, you’ll want to consider National General. The company doesn’t offer cheap rates, but it files SR-22 forms and offers coverage to people with a DUI on their driving record.

Before you commit to National General or any other insurance company, compare rates to ensure you’re not paying too much for coverage.

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