National General Auto Insurance Review for 2025 (See Rates & Discounts Here)

This National General Auto Insurance review lists the pros and cons of National General Insurance, Inc. High-risk coverage makes it a perfect fit for people with DUIs.

Specialized RV insurance is another benefit; however, a monthly rate as low as $57 is something to consider. Complaints about industry averages often do not meet expectations. The National General Group, an Allstate-owned firm, is ideal for those needing high-risk auto insurance but isn’t the cheapest option.

National General Car Insurance Rating

Despite unique offerings, National General ratings indicate mixed customer satisfaction. Always compare multiple insurers, including My NatGen Policy, before purchasing. Learn more about National General Insurance Company to see if it fits your needs.

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National General Insurance: Coverage

National General Auto Insurance monthly rates vary based on age, gender, and coverage level. Young drivers pay the highest premiums, with 16-year-old males costing $251 per month for minimum coverage and $626 per month for full coverage.

National General Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

In contrast, 60-year-old females pay the lowest rates at $57 monthly for minimum coverage and $146 monthly for full coverage. Policyholders can lower costs with discounts like 20% for bundling, 15% for safe driving, and 10% for low mileage or good student status.

Additional savings come from paperless billing, paid-in-full plans, and defensive driving courses. National General Insurance is also considered one of the best auto insurance options for international drivers, offering coverage tailored to their needs. Comparing quotes helps drivers secure the best rates available.

Understanding the National General Auto Insurance

National General initially provided insurance for General Motors drivers as the GMAC Insurance Group. Today, National General is an Allstate-owned company that continues selling insurance under its name.

Affectionately known as NatGen Insurance, National General is considered one of the best auto insurance companies for high-risk drivers. It offers coverage for those with DUIs and other violations and special perks for RV owners and drivers associated with General Motors.

Unfortunately, National General Insurance quotes are high, with more complaints than comparable companies. So, while the best insurance for you might not be the cheapest, you’ll likely find similar plans for much less.

National General’s unique perks and discounts make it worth getting quotes from, but you should always compare multiple companies. Learn more about the National General Auto Insurance company in our National General Auto Insurance Review below, then look at rates from other companies to find the best policy.

Find National General Automobile Insurance Today

Although National General has more complaints and higher rates than other insurance companies, its unique features and discounts make this company worth checking out. You’ll pay more for coverage, but National General’s SmartServices, special RV perks, and discounts for GM drivers make up the difference.

While getting a quote from National General is beneficial, you should always explore where to compare auto insurance rates to find the best deal. Reviewing multiple quotes ensures you secure the right policy for your needs.

What You Should Know About National General Insurance Company (Integon)

National General car insurance is a reliable option

Unfortunately, National General Car Insurance reviews are not the best. One of the most important things people look at when shopping for insurance is rates. While the cheapest rates don’t necessarily mean the best insurance, finding an affordable price is integral to your overall satisfaction.

National General car insurance quotes are often significantly higher than competitors, sometimes costing three times more. The company also receives a higher number of customer complaints compared to insurers of similar size. Many complaints focus on customer service issues. Additionally, National General offers Accidental Death and Dismemberment Insurance as coverage options.

However, it’s not all bad news. National General has solid discounts and helpful policy features, especially for RV owners. National General also offers insurance to high-risk drivers and helps with cheap SR-22 auto insurance.

National General Insurance Claims Handling

Although National General Insurance has many negative reviews about claims, these don’t usually stem from how it handles claims. Most customers report overall satisfaction with the National General claims department.

Customers report that National General processes claims quickly — most small claims are resolved and paid within 48 hours. Of course, more complex claims will take longer, but people seem satisfied with the resolution time.

National General Insurance Company (Integon) Insurance Coverage Options

Types of Car Insurance from National General 

National General offers the following car insurance types:

• Liability auto insurance. Liability comes in two parts — bodily injury and property damage. This insurance pays for damage you cause in an accident; most states require drivers to carry it.
• Collision insurance. You need collision coverage if you want your insurance to pay for repairs to your car after an accident.
• Comprehensive auto insurance. Comprehensive coverage protects your car from everything else, including fire, weather, theft, and vandalism.
• Uninsured/underinsured motorist coverage. If a driver without enough insurance hits you, your uninsured motorist coverage will pay for your car repairs. Uninsured motorist insurance also covers hit-and-runs.
• Medical payments coverage. Medical payments insurance covers your health care expenses after an accident.
• Personal injury protection insurance pays for health care bills, lost wages, physical therapy, and funeral costs after an accident.

The amount of insurance from the National General you need depends on your unique circumstances. For example, you might be OK with minimum insurance if you own an older car outright and want to stick to a budget.

You’ll probably need full coverage if you have a loan or lease on your car or can’t afford to replace it. Full coverage includes liability, collision, comprehensive, uninsured motorist insurance, medical payments, and personal injury protection.

Auto Insurance Add-ons From National General

Car insurance add-ons are a great way to customize your policy and add value to your plan. National General offers a few solid choices that extend the coverage on your car. These include:

• Rental car reimbursement. When your vehicle is repaired after an accident, National General will give you a daily allowance for a rental car.
• Roadside assistance. While all National General policies include towing coverage after an accident, National General roadside assistance helps with additional problems like fuel delivery or a battery jumpstart.
• SR-22 insurance. If your license has been revoked, you’ll probably need an SR-22 form to prove you carry your state’s minimum insurance. National General will file the form for you for a small fee.
• Locksmith service. Are you worried about locking yourself out of your car? You can purchase locksmith services for up to $50.
• Auto protection plan. Like mechanical breakdown insurance, this National General vehicle insurance add-on covers the cost of unexpected repairs but will not cover routine wear-and-tear repairs.
• Mexico travel. Most American car insurance won’t work in Mexico, but National General can keep you legally covered.
• Accidental death and dismemberment. National General will cover related expenses if you die or are dismembered in an accident.

It’s not as long as some of its larger competitors’ lists, but National General’s add-on options can cover most of life’s problems.

National General Policy Benefits

Although National General receives many complaints, many customers feel the extra benefits of a NatGen auto insurance plan make up for it. National General offers the following benefits:

• Emergency services. National General will pay up to $250 for food, lodging, and travel expenses if you are stranded after a covered incident.
• Lifetime guarantee for repairs. As long as you use one of its Gold Medal repair shops, National General guarantees a comprehensive or collision repair for as long as you own the car. This coverage is only available if you have rental car reimbursement.
• Guaranteed claims service satisfaction. National General is committed to a happy claims resolution for every customer. If you’re unsatisfied with your claim, National General will waive $250 off your deductible.

As long as you meet the eligibility criteria, these benefits are available on every policy. In addition, National General also offers perks with its SmartServices package and for drivers connected with General Motors, which is especially useful given the reasons auto insurance costs more for young drivers.

National General’s SmartServices

National General offers its SmartServices package to elevate your insurance experience. The SmartServices package includes:

• SmartAssist. This is a roadside assistance feature with better services than the standard plan.
• SmartDrive. SmartDrive is an elevated version of rental reimbursement. It picks you up after an accident and covers a rental car like yours.
• SmartInspect. You can choose any vehicle inspection service to review your car after it’s been repaired for a covered incident.
• SmartReplacement. Totaling your car is never a fun experience, but the SmartReplacement program offers expert advice on replacing it. You’ll also get special pricing on GM vehicles.
• SmartValet. SmartValet brings the rental car while you wait for repairs. After your car is fixed, SmartValet will get your vehicle to you and return the rental.

SmartServices offers a great package if you want a better customer service experience. Check with a representative if you’re interested because prices and availability vary by state.

National General Motor Club

National General manages the National General Motor Club, and members get unique benefits. These include:

• 24/7 support on the road
• Trip routing and maps
• Locksmith services
• Discounts on shopping, dining, and entertainment
• Roadside and towing services
• Legal defense
• Trip interruption coverage
• Auto theft deterrent awards
• Arrest bonds
• Vehicle repair check guarantee
• Hospital emergency room bond
• $750 reimbursement for emergency services

National General Motor Club membership has three tiers: basic, standard, and elite. Each tier costs between $59 and $89 a year, and adding additional drivers to your plan costs as low as $10.

Other Types of Insurance From National General 

National General offers plenty of alternative insurance options, and if you buy additional policies, you’ll qualify for a bundling discount.

National General sells the following policies:

• Commercial auto
• RV
• Motorcycle
• Homeowners/condo/renters
• Flood
• Umbrella
• NatGen Health
• Private collections

Although any of National General’s policies could be a good fit, RV owners should get a quote for coverage. National General specializes in auto insurance for different types of drivers. It is an excellent choice for RV owners due to its unique discounts and features when bundling RV and auto insurance.

National General Insurance Company (Integon) Insurance Rates Breakdown

National General Car Insurance Costs

Although National General offers excellent perks, its rates are generally much higher than the national average.

This is partly because the National General provides coverage to high-risk drivers. High-risk insurance comes at higher prices due to the increased likelihood of future claims.

Although National General car insurance rates are usually higher than other companies, getting a National General quote is still worth it. And remember — cheap auto insurance isn’t always the best.

Minimum Coverage With National General

Minimum coverage refers to the smallest amount of insurance you can carry in your state and still legally drive. Getting minimum coverage is a great way to keep your insurance price low.

National General’s average minimum coverage is about 20% higher than other companies. It can’t compete with providers like Geico or USAA, but your rates will vary based on location due to car insurance requirements in your state.

You don’t need to figure out your state’s laws by yourself — an insurance representative will know precisely how much coverage you need to be legal. Remember that minimum coverage comes with more extraordinary out-of-pocket expenses if you’re in an accident.

Full coverage With National General

Full coverage refers to a suite of insurances that give your car a better range of protection. Although it’s more expensive, it also offers more valuable coverage.

Has anyone heard of, used or worked with National General, or anyone of their (former) subisdiaries (like HST by Allstate)? how are they as far as policies, or customer service?
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National General’s rates are above average for minimum coverage. However, for those seeking cheap auto insurance, they are lower than those of Allstate, one of America’s most popular companies.

National General Insurance Rates for Teens

Teen drivers are one of the most expensive demographics for car insurance. These inexperienced drivers are more likely to engage in reckless behaviors, make incorrect choices in dangerous situations, and be involved in car accidents.

Like all companies that offer teen car insurance, National General rates are much higher for young drivers.

When you need to find cheap auto insurance rates for teens, National General might not be the best choice. Instead, companies like Travelers, Allstate, or USAA are better choices because they offer much lower teen rates.

National General Insurance Rates for Young Adults

Young adult drivers typically have a few years of experience on the road, but insurance companies still consider them high-risk. According to auto insurance rates by age, young drivers are statistically more likely to file claims than older adults, leading to higher premiums.

Although young adult drivers see higher rates until about 25, National General offers relatively affordable prices.

While still more expensive, the National General’s rates for young adult drivers match more closely to the national average. Young adults looking to cut their insurance bills should look into National General discounts, especially if they have clean driving records.

National General Insurance Rates for Adult Drivers

Adult drivers are the cheapest demographic when it comes to age. Starting around 25, your rates will gradually lower if you maintain a clean driving record. You’ll probably see your cheapest rates between 55 and 65.

Like young adult rates, National General’s adult car insurance rates are slightly above the national average. Studies on the best and worst drivers by state show that factors such as location and driving records can significantly impact premiums.

Adult drivers should take advantage of as many car insurance discounts as possible to get the lowest rates. If the price of your insurance is your top priority, you’ll probably find cheaper rates elsewhere.

National General Insurance Rates for Older Adults

After decades of decreasing rates, drivers may see their insurance prices rise again as they age. This is because senior drivers are statistically more likely to file claims.

While National General rates are still higher than the national average, drivers in their 60s and 70s might find more affordable rates.

As with other age groups, National General is nowhere near the most affordable. Instead, it stays above the national average. Take a look at National General’s rates by age:

National General Auto Insurance Monthly Rates by Gender and Age

Learn more about buying senior auto insurance.

National General Insurance Rates After an Accident

An at-fault accident on your driving record can drastically increase your rates for years, but finding affordable coverage isn’t impossible. Unfortunately, the National General continues its trend of higher rates for people with accidents on their record.

Again, the National General beats out only Allstate and AAA with its rates. If you have an at-fault accident on your record, you’ll probably have more luck comparing rates from companies like State Farm.

Other companies might deny you coverage if you have multiple accidents on your record. When that happens, you’ll need to look for high-risk insurance. Although rates will be much higher, the National General will probably work with you.

National General Insurance Rates After a Speeding Ticket

Nearly everyone is guilty of speeding, especially when running late for work, school, or an appointment. However, speeding can be incredibly dangerous and factor in many accidents.

Although the National General is willing to work with high-risk drivers, it charges more than the national average. You should compare rates with other companies, even if you have several speeding tickets, to see if you can find a better deal. Find out how a speeding ticket can affect your auto insurance rates.

National General Insurance Rates after a DUI

Of all the traffic violations that will increase your insurance rates, DUIs hit the hardest. After a DUI, shopping for new car insurance is essential because rates vary wildly between companies. Your old insurance might not have the lowest rate for you.

National General does relatively well for drivers with a DUI. State Farm offers better prices, but National General is more affordable than significant names like Geico, Allstate, Nationwide, and AAA. Learn how to find cheap auto insurance for drivers with a DUI.

National General Insurance Rates for Drivers with Poor Credit

While you might not guess that your credit score is part of the equation determining how much you’ll pay for car insurance, it plays an integral role. Insurance companies keep careful track of claims data, and the numbers show that people with low credit scores are more likely to file a claim.

National General is willing to work with low credit scores, but its rates are higher than the national average. When comparing options, considering the most dangerous and safest states for drivers can help determine how location impacts insurance costs.

Although rates are higher, you don’t have to pay high rates forever. You can lower your rates by increasing your score — even getting into the fair category could reduce your rates by up to 50%.

National General Insurance Business Ratings

National Commercial General Insurance Company receives average customer ratings; however, third-party rating companies evaluate the company well. A.M. Best gives the company an A+ rating, which provides it with superior financial strength; hence, it is reliable for paying claims.

National General Insurance Business Ratings & Consumer Reviews

Agency
	Score: 672 / 1,000 Avg. Satisfaction
	Score: A Good Business Practices
	Score: 72/100 Avg. Customer Feedback
	Score: 1.12 Avg. Complaints
	Score: A+ Superior Financial Strength

The Better Business Bureau (BBB) scores companies based on complaint resolution, and the National General has an A rating, though customer complaints persist. J.D. Power evaluates customer satisfaction using a 1,000-point scale, scoring National General 672, well below average. Consumer Reports awards the company 72/100, which means moderate customer feedback.

Pros & Cons of National General Auto Insurance

Pros:

• Superior Financial Strength: A.M. Best rates National General A+, ensuring strong claims-paying ability.
• Generous Discounts: Offers up to 20% savings for bundling and 15% for safe drivers.
• High-Risk Coverage: Provides SR-22 filings and policies for drivers with past violations. Discover a wealth of knowledge in our “Best Auto Insurance Companies for Drivers With Speeding Tickets.“

Cons:

• Low Customer Satisfaction: J.D. Power scores 672/1,000, ranking below many competitors.
• Above-Average Complaints: An NAIC score 1.12 suggests more complaints than industry norms.

National General Insurance Company (Integon) Discounts Available

National General GM Discounts

For most of its existence, National General was owned by General Motors. Due to this relationship, National General offers special discounts to drivers connected to General Motors. These drivers include:

• People who have a GM card, GMAC auto financing, or a GMAC mortgage
• Current or former GM employees
• Employees of suppliers or dealerships that work with GM
• OnStar subscribers with low mileage rates on their car

You might see much lower rates if you’re eligible, but National General’s GM discounts aren’t available in every state. If you’re looking for cheap auto insurance for drivers over 70, it’s essential to check availability, as discounts may vary. You’ll need to speak with an insurance representative to confirm eligibility. Take a look at some of the discounts in this table:

National General Auto Insurance Discounts