GMAC Auto Insurance Review (2024)
Looking for a GMAC auto insurance review? GMAC reviews are about National General Insurance since the company changed its name in 2013. National General claims drivers can save up to $442/yr with over 11 different discounts to lower rates. Scroll down to learn more about GMAC auto insurance.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 1, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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GMAC Insurance
Average Monthly Rate For Good Drivers
$83A.M. Best Rating:
A-Complaint Level:
LowPros
- National General, formerly known as GMAC Insurance, claims that customers save an average of $442 annually when they switch to this company
- The company also advertises a good student discount for teens who maintain a B average
- National General gives you the ability to file a claim online at your convenience
Cons
- National General Insurance does not directly offer products for classic cars
- GMAC Insurance changed its name to the National General Insurance company in 2013.
- National General Insurance offers several types of auto insurance, including bodily and property liability and uninsured motorist coverage.
- On the company website, National General claims drivers can save up to $442 by switching providers.
National General Insurance Company, formerly GMAC Insurance, was founded in 1939 as Motors Insurance Corporation. It offers various insurance products, including bodily and property liability and uninsured motorist coverage, and auto insurance discounts to eligible customers.
Does GMAC still exist? In July 2020, Allstate agreed to acquire National General for $4 billion. GMAC Insurance changed its name to the National General Insurance Company in 2013. It is now part of one of the biggest insurance companies in the country.
Read through our comprehensive GMAC auto insurance review to learn if this company is a good fit for you and your needs.
Before choosing a GMAC Insurance or National General auto insurance policy, compare auto insurance quotes from other reputable providers near you by entering your five-digit ZIP code into our FREE comparison tool above.
What You Should Know About Gmac
National General Insurance offers a wide variety of insurance products, services, and auto insurance discounts to eligible customers. In July 2020, Allstate reached an agreement to acquire National General for $4 billion.
It is now part of one of the biggest insurance companies in the country. In its annual auto insurance review, Allstate is steadily gunning for the title of largest automobile insurer nationwide and ranks among the top five.
Read More: Allstate Auto Insurance Review
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GMAC Auto Insurance Review And Complaints
Overall, National General, formerly GMAC Insurance, has received decent reviews and ratings. The National General Insurance A.M. Best rating is an A-. This rating indicates that National General has an excellent ability to meet ongoing obligations.
Is National General a reliable insurance company? Yes, even in the event of an economic downturn, this company will still be able to pay out any claims you’ve filed. The financial size is listed under category IX, which is defined as $250 Million to $500 Million. The strong National General A.M. Best rating is also considered stable. Read National General auto insurance reviews to learn more.
Consumer reviews for this company are relatively high compared to other providers. The Better Business Bureau (BBB) gives the company an A+ rating and accreditation, and the consumer ranking is 2.98 out of 5 stars. In the past 12 months, 190 complaints have been closed. These numbers are fairly good for an auto insurance provider.
However, GMAC complaints are higher than the industry average. Many National General Insurance review complaints circle back to inappropriate claims handling, with many adjusters promising rental car coverage that didn’t exist.
Always pay attention to GMAC insurance customer service as you shop for auto insurance. If you need to reach a representative regarding what’s covered by your policy, the National General phone number is 800-847-2886, which is also the GMAC auto insurance phone number.
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Does National General Provide Any Extra Services?
Along with GMAC vehicle insurance, National General also offers its customers a multitude of extra services. Not only does this provider have a 24/7 claims center available for clients, but it also makes the following extras available:
- GMAC Warranty: Lifetime guarantee on repairs through any of the Gold Medal Repair Shops. Re-inspections are also available upon request at any time.
- Claims Guarantee: Guaranteed satisfaction for claims services (not available in Washington). A deductible of up to $250 will be waived if you are unsatisfied with your service. Most small claims will be paid in 48 hours.
- Emergency Expense Allowance: Get covered by up to $250 per day for food, lodging, and travel expenses after a claim.
- Easy And Convenient Payment: National General offers a flexible payment schedule to customers and is willing to accommodate your budget.
- SmartDrive App: By downloading the app, you earn a 5 percent discount. The program rewards safe driving behaviors with lower premiums. These savings are applied in real time.
National General also provides safe driving tips, teen safety tips, and safety tips for senior drivers on its website.
Gmac Insurance Coverage Options
The company offers the following types of auto coverage options to its clients:
- Bodily Injury Liability Coverage: This type of policy takes care of injury or loss to other people caused by your covered vehicle. It also helps pay for your legal defense costs if you are charged with causing harm to others with your car.
- Property Damage Liability Coverage: This will cover damage your vehicle causes to someone else’s property as the result of an accident, where you are at fault.
- Comprehensive Coverage: This handles damage relating to anything that is not a collision. Examples include acts of Mother Nature.
- Collision Coverage: This handles damage relating to collisions, regardless of who is at fault. Examples include hitting another vehicle or hitting a tree or pole.
- Medical Payments Coverage (MedPay): This is for you and the people in your vehicle. It covers medical needs and the costs of a funeral after a car accident.
- Underinsured Motorist Coverage: This protects you if someone without insurance, or without adequate insurance, hurts you or damages your car.
- Personal Injury Protection (PIP): This will cover medical expenses and losses that occur as a result of an automobile accident. The PIP coverage is valid no matter who caused the accident.
As you can see, National General offers the five major types of auto coverage. The company also offers a roadside assistance policy, accidental death and dismemberment insurance, and an auto protection plan.
If you own an RV, travel trailer, or motor home, GMAC RV insurance is available through National General. Bikers can also get affordable GMAC motorcycle insurance rates.
National General Insurance does not directly offer products for classic cars. The company will refer you to Hagerty Insurance to cover these types of vehicles. National General will then service your policy.
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What Is The Claims Process Like With This Provider?
National General gives you the ability to file a claim online at your convenience. You may also call the GMAC claims phone number at 1-800-468-3466.
The National General and GMAC Insurance claims number is available 24 hours a day, seven days a week. If you choose to call, a claims professional can walk you through the entire process.
You can also handle claims through the mail via the GMAC auto address. National General Insurance headquarters are located in Winston-Salem, North Carolina. Its and the GMAC insurance address is as follows:
National General Auto Insurance
GMAC Insurance Holdings, Inc.
P.O. Box 3199
Winston-Salem, NC 27102-3199
When filing a claim, you will need to have the policyholder’s number, information about the property involved, and details about the loss or damage. Keep the GMAC insurance phone number handy in case you need to reach an agent quickly.l
After the claim is filed, you can follow up by calling the GMAC insurance claims phone number with the extension of the representative handling your claim. You can also use the Claims Center portion of the National General website.
When your car is still drivable after an accident, you can speed up the claim process by scheduling a drive-in appraisal. A National General appraiser will determine the amount of damage before completing the claim.
Gmac Insurance Rates Breakdown
National General, formerly known as GMAC Insurance, claims that customers save an average of $442 annually when they switch to this company. In the table below, you can view some average annual auto insurance rates from National General Insurance by driver age and gender.
These rates are specifically for drivers who live in the state of West Virginia.
National General Average Annual Auto Insurance Rates by Gender and Age
| Driver Demographics | Average Annual Auto Insurance Rates |
|---|---|
| 62-year-old male | $916 |
| 62-year-old female | $946 |
| 48-year-old male | $910 |
| 48-year-old female | $1,112 |
| 35-year-old male | $860 |
| 35-year-old female | $1,048 |
| 25-year-old male | $1,426 |
| 25-year-old female | $1,298 |
| 18-year-old male | $5,076 |
| 18-year-old female | $4,472 |
As you can see, older drivers receive lower average rates from National General than younger drivers. This is not uncommon. Age is a major factor that many providers use when calculating your rates.
Remember to use these rates as guidelines, as your individual quotes might be very different. Insurance companies consider many different factors when determining your premiums.
For example, your driving record, ZIP code, and even the vehicle make and model you drive can also impact your overall rates.
Gmac Discounts Available
Why is National General Insurance so cheap? National General offers consumers various discounts, offering you multiple ways to save. While specifics about how much you’ll save are not available online, the website does list 11 different discount options.
Look at the table below for discounts available through National General Insurance, formerly GMAC Insurance.
National General Auto Insurance Discounts
| Auto Insurance Discount Offered | How to Qualify for the Discount |
|---|---|
| Paid-in-full discount | Pay in full up front to qualify. |
| Multi-vehicle discount | Insure two or more vehicles to qualify. |
| Safe-driver discounts | Qualify by taking a defensive driving course (only available in some states) |
| RVs and autos policy discount | Save up to 20%, only pay one deductible if your RV and vehicle are involved in the same accident. |
| Motorcycle discounts | Safe-rider and multi-cycle discounts available. |
| Low mileage discount | Use an electronic device to track your mileage to qualify. |
| Affinity discounts | Membership discounts available to a variety of organizations. |
| Multi-policy discount | Bundle different policies for a "thank you" discount. |
| Paperless discount | Switch to electronic billing to qualify. |
| Anti-theft discount | Receive a discount for certain anti-theft devices. |
| Auto pay discount | Switch to automatic payments to qualify. |
According to the website, more available discounts are not advertised. For example, on a separate page, the company also advertises a good student discount for teens who maintain a B average.
If you’re interested in seeking out quotes from this provider, be sure to ask an agent what other discounts might be available to you.
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How Gmac Ranks Among Providers
According to GMAC insurance reviews, National General holds 1.24% of the personal auto insurance market share in the United States and Canada.
We compare auto insurance rates by state in this GMAC review to give you an idea of how much insurance costs near you:
Largest Auto Insurance Company Monthly Rates by State
| States | State Farm | Progressive | Geico | Allstate | USAA | Liberty Mutual | Farmers | Travelers | American Family | Nationwide |
|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $108 | $112 | $89 | $108 | $56 | $162 | $133 | $79 | $105 | $96 |
| Alaska | $65 | $97 | $76 | $135 | $60 | $164 | $127 | $93 | $105 | $108 |
| Arizona | $81 | $84 | $65 | $180 | $63 | $178 | $135 | $104 | $114 | $116 |
| Arkansas | $80 | $131 | $91 | $162 | $55 | $99 | $165 | $111 | $137 | $128 |
| California | $108 | $132 | $101 | $199 | $74 | $216 | $167 | $122 | $138 | $142 |
| Colorado | $94 | $120 | $94 | $166 | $78 | $92 | $163 | $114 | $118 | $107 |
| Connecticut | $91 | $133 | $62 | $196 | $77 | $201 | $151 | $83 | $125 | $112 |
| Delaware | $116 | $90 | $101 | $207 | $43 | $494 | $157 | $82 | $130 | $144 |
| District of Columbia | $111 | $115 | $69 | $241 | $48 | $180 | $139 | $102 | $115 | $172 |
| Florida | $99 | $153 | $89 | $183 | $47 | $161 | $227 | $166 | $188 | $103 |
| Georgia | $107 | $115 | $61 | $165 | $71 | $263 | $149 | $110 | $124 | $152 |
| Hawaii | $64 | $78 | $60 | $118 | $44 | $128 | $99 | $72 | $82 | $84 |
| Idaho | $53 | $91 | $57 | $128 | $40 | $79 | $92 | $57 | $93 | $82 |
| Illinois | $64 | $89 | $47 | $176 | $62 | $76 | $117 | $87 | $114 | $93 |
| Indiana | $71 | $69 | $63 | $140 | $43 | $183 | $79 | $69 | $107 | $97 |
| Iowa | $65 | $75 | $81 | $126 | $55 | $116 | $82 | $92 | $95 | $73 |
| Kansas | $81 | $127 | $75 | $160 | $56 | $174 | $144 | $87 | $114 | $92 |
| Kentucky | $98 | $111 | $80 | $236 | $72 | $168 | $197 | $139 | $164 | $184 |
| Louisiana | $124 | $161 | $141 | $206 | $98 | $274 | $212 | $156 | $176 | $181 |
| Maine | $59 | $94 | $37 | $108 | $37 | $120 | $117 | $61 | $84 | $87 |
| Maryland | $107 | $121 | $135 | $201 | $80 | $181 | $140 | $103 | $116 | $106 |
| Massachusetts | $78 | $95 | $72 | $143 | $53 | $155 | $120 | $88 | $99 | $103 |
| Michigan | $209 | $152 | $99 | $406 | $107 | $424 | $335 | $183 | $204 | $257 |
| Minnesota | $67 | $101 | $90 | $160 | $68 | $375 | $108 | $94 | $93 | $87 |
| Mississippi | $82 | $120 | $72 | $147 | $54 | $119 | $145 | $88 | $120 | $96 |
| Missouri | $85 | $98 | $90 | $148 | $50 | $129 | $135 | $114 | $106 | $66 |
| Montana | $70 | $171 | $82 | $154 | $50 | $59 | $164 | $111 | $125 | $88 |
| Nebraska | $69 | $95 | $92 | $125 | $56 | $179 | $130 | $102 | $112 | $77 |
| Nevada | $103 | $82 | $110 | $165 | $69 | $111 | $155 | $91 | $140 | $112 |
| New Hampshire | $59 | $63 | $50 | $128 | $41 | $198 | $93 | $69 | $77 | $77 |
| New Jersey | $113 | $93 | $74 | $157 | $61 | $279 | $231 | $136 | $115 | $119 |
| New Mexico | $69 | $86 | $90 | $158 | $65 | $161 | $131 | $91 | $103 | $96 |
| New York | $137 | $96 | $78 | $147 | $85 | $200 | $165 | $175 | $137 | $164 |
| North Carolina | $77 | $32 | $69 | $169 | $44 | $82 | $99 | $99 | $82 | $111 |
| North Dakota | $76 | $110 | $61 | $136 | $44 | $398 | $107 | $88 | $145 | $77 |
| Ohio | $70 | $85 | $59 | $120 | $41 | $106 | $96 | $63 | $62 | $114 |
| Oklahoma | $91 | $110 | $109 | $135 | $68 | $184 | $136 | $105 | $118 | $122 |
| Oregon | $75 | $78 | $93 | $153 | $58 | $141 | $111 | $97 | $106 | $111 |
| Pennsylvania | $76 | $148 | $68 | $148 | $57 | $219 | $131 | $75 | $108 | $86 |
| Rhode Island | $76 | $116 | $125 | $189 | $65 | $235 | $183 | $103 | $151 | $190 |
| South Carolina | $88 | $105 | $79 | $133 | $69 | $185 | $166 | $105 | $118 | $118 |
| South Dakota | $67 | $105 | $57 | $136 | $58 | $230 | $113 | $97 | $151 | $76 |
| Tennessee | $72 | $92 | $78 | $144 | $58 | $184 | $86 | $88 | $102 | $118 |
| Texas | $90 | $121 | $105 | $201 | $62 | $178 | $137 | $101 | $176 | $154 |
| Utah | $103 | $95 | $73 | $117 | $50 | $119 | $115 | $88 | $105 | $93 |
| Vermont | $87 | $181 | $38 | $142 | $42 | $100 | $103 | $75 | $85 | $77 |
| Virginia | $63 | $61 | $69 | $103 | $43 | $129 | $100 | $73 | $83 | $86 |
| Washington | $69 | $60 | $75 | $114 | $46 | $92 | $102 | $81 | $91 | $70 |
| West Virginia | $79 | $110 | $83 | $162 | $67 | $196 | $139 | $102 | $115 | $104 |
| Wisconsin | $58 | $94 | $62 | $123 | $47 | $84 | $109 | $72 | $63 | $226 |
| Wyoming | $82 | $106 | $111 | $155 | $57 | $75 | $130 | $98 | $111 | $114 |
Compared to State Farm, the largest company in the country with 16.84%, National General is more expensive. Geico, the second largest, also has cheaper rates than National General.
Progressive is the third-largest insurance company by market share — Which is better, National General or Progressive? In most states, Progressive is also more affordable.
Frequently Asked Questions
What is GMAC insurance?
GMAC Auto Insurance Company provides options for various types of vehicles, including cars, trucks, motorcycles, and recreational vehicles.
What happened to GMAC insurance?
GMAC Insurance Group was a subsidiary of the General Motors Acceptance Corporation (GMAC) and is now owned by Allstate and known as National General Insurance.
What types of auto insurance coverage does GMAC offer?
GMAC car insurance coverage options typically include liability coverage, which helps protect you financially if you are responsible for causing injuries or property damage in an accident. Additionally, GMAC may offer collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
Who owns GMAC insurance?
The GMAC insurance company is actually National General Insurance, which is a subsidiary of Allstate and focuses on high-risk insurance coverage.
Is National General Insurance owned by Progressive?
No, Allstate owns National General.
Can I obtain a quotes for GMAC automobile insurance?
Yes, you can get GMAC auto insurance quotes by visiting their official website or contacting customer service. To receive an accurate quote, you will need to provide information about your vehicle, your driving history, and the coverage options you are interested in. GMAC will use this information to determine the cost of your insurance premiums.
Are there any discounts available with GMAC insurance companies?
National General and GMAC Insurance offer various discounts to help policyholders save on their premiums. These discounts can include safe driver discounts, discounts for bundling multiple policies, discounts for having certain safety features in your vehicle, and discounts for being a loyal customer. The availability of discounts may vary based on your location and specific policy.
How do I file GMAC insurance claims?
You can’t file GMAC auto claims online. You must speak with a representative. Call the GMAC auto insurance claims phone number at 1-800-468-3466 (this is also the National General claims number). They will guide you through the claims process, provide the necessary forms, and assist you in documenting the incident. It’s important file GMAC claims as soon as possible and provide accurate information to ensure a smooth process.
How do I pay my GMAC?
With National General and GMAC auto insurance, paying online is the best option. Online account management and GMAC Quick Pay provide convenience and flexibility for policyholders. Through its website or mobile app, use your GMAC insurance login to access policy details, make a GMAC insurance payment, view and update your coverage, and manage other aspects of your policy.
Can I cancel my GMAC auto insurance?
Yes, you can cancel your GMAC Auto Insurance policy. The specific cancellation process and any associated fees or penalties may vary based on your policy terms. It’s advisable to review your policy documents or contact the GMAC customer service number to understand the cancellation procedures and any potential financial implications.
What does GMAC insurance stand for?
GMAC stands for General Motors Acceptance Corporation (when it was owned by General Motors).
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.