National General Car Insurance Review for 2024 [Real User Experiences]
This National General car insurance review highlights its specialized program for high-risk drivers, providing tailored coverage and significant discounts. NatGen offers a competitive starting rate of $61/month, making it a solid choice for budget-conscious drivers, but its customer service receives mixed reviews.
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Sep 28, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Sep 28, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry 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.
On This Page
National General Insurance
Average Monthly Rate For Good Drivers
$61A.M. Best Rating:
A+Complaint Level:
MedPros
- Affordable rates for high-risk drivers
- Offers RV and vehicle rental insurance options
- Customizable policies with plenty of add-ons
- Extensive discounts available
Cons
- Limited availability in certain states
- Customer service quality is inconsistent
- Does not offer many advanced digital tools
This National General car insurance review highlights the company’s strength in offering comprehensive coverage for high-risk drivers while providing unique benefits like RV and rental reimbursement.
Its flexibility in tailoring different types of car insurance coverage policies to diverse needs sets them apart. NatGen also offers extensive discount programs, making it a strong contender for affordable coverage.
National General Car Insurance Rating
Rating Criteria
Overall Score Rating 4.1
Business Reviews 3.5
Claim Processing 3.3
Company Reputation 4
Coverage Availability 5
Coverage Value 4
Customer Satisfaction 3.2
Digital Experience 4
Discounts Available 5
Insurance Cost 4.2
Plan Personalization 4
Policy Options 5
Savings Potential 4.4
With a solid reputation and customizable options, National General continues to stand out in the insurance market.
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- National General has a 4.1 insurance rating, reflecting customer satisfaction
- National General was formerly the GMAC Insurance Group
- NatGen has competitive rates for high-risk drivers to boost its reputation
National General Car Insurance Rates by Age and Driving Record
This table showcases the variations in National General car insurance monthly rates based on age, gender, and coverage levels. It highlights how premiums differ for minimum and full coverage across various demographics.
National General Car Insurance Monthly Rates by Age, Gender, & Coverage Level
Age & Gender | Minimum Coverage | Full Coverage |
---|---|---|
Age: 16 Female | $229 | $598 |
Age: 16 Male | $251 | $626 |
Age: 18 Female | $186 | $441 |
Age: 18 Male | $215 | $509 |
Age: 25 Female | $72 | $194 |
Age: 25 Male | $70 | $187 |
Age: 30 Female | $67 | $180 |
Age: 30 Male | $65 | $174 |
Age: 45 Female | $60 | $160 |
Age: 45 Male | $61 | $161 |
Age: 60 Female | $57 | $146 |
Age: 60 Male | $58 | $149 |
Age: 65 Female | $59 | $157 |
Age: 65 Male | $60 | $157 |
Younger drivers, especially males, face significantly higher premiums due to their higher risk profile, but rates level off around 60 years old.
Full coverage from NatGen consistently costs more than minimum coverage, regardless of age or gender, reflecting the broader protection it offers. Is it bad to carry minimum coverage car insurance? No, but minimum coverage doesn’t pay for your medical or repair bills if you’re in an accident or need to file a claim.
Regardless of coverage levels, accidents will raise National General car insurance rates. Drivers with one accident face rates of $100 for minimum and $266 for full coverage.
A clean record offers the lowest rates at $61 and $161. A DUI raises costs to $434 for full coverage. A single ticket increases rates to $79 and $212.
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National General Car Insurance Rates vs. Competitors
National General Insurance rates differ significantly from top competitors based on factors like age and gender. While competitors may fluctuate in pricing based on demographics, National General remains a strong contender, particularly for younger drivers.
National General Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
Insurance Company Age: 45 Female Age: 45 Male
$162 $160
$115 $117
$139 $139
$80 $80
$171 $174
$160 $161
$113 $115
$112 $105
$86 $86
$98 $99
$59 $59
National General’s monthly car insurance rates fluctuate based on both the provider and a driver’s record. Drivers with clean records typically see the most favorable rates, but infractions like speeding or accidents can lead to significant increases. Explore more factors that affect the price of car insurance.
National General Car Insurance Monthly Rates by Provider & Driving Record
Insurance Company Clean Record One Ticket One Accident One DUI
$160 $188 $225 $270
$117 $136 $176 $194
$139 $173 $198 $193
$80 $106 $132 $216
$174 $212 $234 $313
$161 $212 $266 $434
$115 $137 $161 $237
$105 $140 $186 $140
$86 $96 $102 $112
$99 $134 $139 $206
$59 $67 $78 $108
NatGen remains competitive, yet providers like Geico and Progressive often offer lower rates for drivers with spotless histories.
However, for those with infractions, rates across all providers tend to spike, and the gaps between competitors narrow. Understanding these shifts allows drivers to choose the best option based on their personal records.
National General Car Insurance Coverage Comparison
What does car insurance cover? National General Auto Insurance presents a range of protection choices crafted to address the varied demands of drivers.
National General Car Insurance Coverage Options
Coverage Type Description
Collision Coverage Pays for vehicle damage from collisions.
Comprehensive Coverage Covers non-collision damage (theft, vandalism, weather).
Custom Equipment Coverage Covers aftermarket parts installed in your vehicle.
Gap Insurance Covers the difference between car value and loan/lease balance.
Liability Coverage Covers injuries and damages you cause to others.
Medical Payments Coverage Pays medical expenses for you and passengers.
Personal Injury Protection (PIP) Covers medical expenses and lost wages after an accident.
Rental Reimbursement Covers rental car costs while your car is repaired.
Roadside Assistance Provides towing, tire changes, and jump-start services.
Uninsured/Underinsured Motorist Covers damages if hit by an uninsured or underinsured driver.
Whether you’re seeking basic protection or more comprehensive coverage, National General provides personalized options. Its coverage solutions ensure that drivers can choose the package that best fits their individual situations and budget.
National General Car Insurance Discounts
Nat Gen car insurance offers a variety of discounts and ways to lower your car insurance costs. These discounts reward everything from safe driving habits to bundling policies, giving customers multiple ways to save.
National General Car Insurance Discounts
Discount Type Savings Potential
Affinity Group 10%
Anti-Theft Device 10%
Defensive Driving Course 15%
Homeowner 10%
Low Mileage 20%
Multi-Policy 20%
Multi-Vehicle 25%
Paid-in-Full 10%
Paperless 5%
Safe Driver 15%
Additionally, Nat Gen provides exclusive offers for low mileage and multi-vehicle policies, maximizing savings potential.
The savings potential of each discount varies, with some offering up to 25% off for multi-vehicle policies and others rewarding low-mileage drivers with 20% off.
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National General Car Insurance Scores
NatGen Insurance has received commendable ratings across various agencies, highlighting its strong financial standing and customer satisfaction. These scores reflect the company’s consistent efforts to provide reliable coverage while maintaining solid financial health.
National General Business Insurance Ratings
Agency
Score: 833 / 1,000
Avg. Satisfaction
Score: A
Good Financial Strength
Score: 72/100
Avg. Customer Feedback
Score: 1.12
Avg. Complaints
Score: A
Excellent Financial Strength
A.M. Best’s rating of “A” underscores the company’s solid financial footing for drivers who have to file a car insurance claim after an accident.
Agencies such as J.D. Power rate National General with a score of 833 out of 1,000 for overall satisfaction, indicating a positive experience for most customers. Consumer Reports, while giving a slightly lower customer feedback score of 72/100, still highlights areas where National General excels, especially in claims handling.
These consistent ratings across various platforms reinforce National General customer service and its standing as a trusted provider of business insurance, offering both financial security and satisfactory service to its clients.
Why National General Car Insurance Stands Out
Our National General car insurance review emphasizes its affordability as a significant advantage while acknowledging that customers have experienced inconsistent customer service.
National General stands out for its affordability and personalized pricing, making it the best choice for drivers seeking value and customized coverage.Tracey L. Wells Licensed Insurance Agent & Agency Owner
National General’s customized policies are particularly beneficial for high-risk drivers or those insuring a budget-friendly car for your teen. It is an appealing choice, offering competitive rates starting at $57 per month.
Although National General provides numerous benefits, it is crucial for consumers to explore various car insurance providers to find the best option. Comparing quotes online allows drivers to assess pricing, coverage, and satisfaction, ensuring they find the best and most affordable policy. Enter your ZIP code below and see which one offers the coverage you need.
Frequently Asked Questions
Is National General car insurance a good option?
Yes, National General car insurance is a reliable choice, offering competitive rates and various coverage options.
Why is National General car insurance so affordable?
National General offers cheap full coverage car insurance due to its discounts and tailored policies for different driver profiles.
Is National General car insurance a legitimate company?
Yes, National General is a legitimate provider with solid financial ratings and industry recognition.
What is the difference between Allstate and National General car insurance?
Allstate owns National General car insurance and uses NatGen as its high-risk auto insurance company.
Does National General car insurance offer accident forgiveness?
No, National General car insurance does not typically offer accident forgiveness as part of its standard policies. However, accident forgiveness is available through Allstate, its parent company. Learn how to get Allstate accident forgiveness.
Is National General car insurance expensive?
National General car insurance is more expensive but tends to be affordable for high-risk drivers. See how much you’ll pay for car insurance by entering your ZIP code below into our free comparison tool.
Does National General car insurance have a cancellation fee?
Yes, National General car insurance may charge a fee if you cancel your policy early, depending on the terms of your agreement.
How do I cancel National General car insurance?
To cancel National General car insurance, contact customer service directly, either by phone or through their website. Learn how to cancel gap insurance.
Does National General car insurance offer auto pay?
Yes, National General car insurance provides an auto-pay option to help customers manage their payments more easily.
What rating does National General car insurance have?
National General car insurance holds an A rating from A.M. Best, reflecting strong financial stability.
Can I add a vehicle to my National General car insurance policy online?
Yes, National General car insurance allows you to add a vehicle to your policy through their online platform. Learn how your car affects insurance rates.
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
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