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.

UPDATED: Sep 28, 2024Fact Checked

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

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

Advertiser Disclosure

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

Advertiser Disclosure

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.

UPDATED: Sep 28, 2024Fact Checked
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National General Insurance

Average Monthly Rate For Good Drivers

$61

A.M. Best Rating:

A+

Complaint Level:

Med

Pros

  • 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.

National General Car Insurance Review: Featured Image

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 CriteriaNational General: National General Car Insurance Review
Overall Score Rating4.1
Business Reviews3.5
Claim Processing3.3
Company Reputation4
Coverage Availability5
Coverage Value4
Customer Satisfaction3.2
Digital Experience4
Discounts Available5
Insurance Cost4.2
Plan Personalization4
Policy Options5
Savings Potential4.4

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With a solid reputation and customizable options, National General continues to stand out in the insurance market.

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Just the basics

  • 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 & GenderMinimum CoverageFull 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

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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 CompanyAge: 45 FemaleAge: 45 Male
Allstate: National General Car Insurance Review$162$160
American Family: National General Car Insurance Review$115$117
Farmers: National General Car Insurance Review$139$139
Geico: National General Car Insurance Review$80$80
Liberty Mutual: National General Car Insurance Review$171$174
National General: National General Car Insurance Review$160$161
Nationwide: National General Car Insurance Review$113$115
Progressive: National General Car Insurance Review$112$105
State Farm: National General Car Insurance Review$86$86
Travelers: National General Car Insurance Review$98$99
USAA: National General Car Insurance Review$59$59

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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 CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: National General Car Insurance Review$160$188$225$270
American Family: National General Car Insurance Review$117$136$176$194
Farmers: National General Car Insurance Review$139$173$198$193
Geico: National General Car Insurance Review$80$106$132$216
Liberty Mutual: National General Car Insurance Review$174$212$234$313
National General: National General Car Insurance Review$161$212$266$434
Nationwide: National General Car Insurance Review$115$137$161$237
Progressive: National General Car Insurance Review$105$140$186$140
State Farm: National General Car Insurance Review$86$96$102$112
Travelers: National General Car Insurance Review$99$134$139$206
USAA: National General Car Insurance Review$59$67$78$108

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NatGen remains competitive, yet providers like Geico and Progressive often offer lower rates for drivers with spotless histories.

National General Car Insurance Review

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 TypeDescription
Collision CoveragePays for vehicle damage from collisions.
Comprehensive CoverageCovers non-collision damage (theft, vandalism, weather).
Custom Equipment CoverageCovers aftermarket parts installed in your vehicle.
Gap InsuranceCovers the difference between car value and loan/lease balance.
Liability CoverageCovers injuries and damages you cause to others.
Medical Payments CoveragePays medical expenses for you and passengers.
Personal Injury Protection (PIP)Covers medical expenses and lost wages after an accident.
Rental ReimbursementCovers rental car costs while your car is repaired.
Roadside AssistanceProvides towing, tire changes, and jump-start services.
Uninsured/Underinsured MotoristCovers damages if hit by an uninsured or underinsured driver.

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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 TypeSavings Potential
Affinity Group10%
Anti-Theft Device10%
Defensive Driving Course15%
Homeowner10%
Low Mileage20%
Multi-Policy20%
Multi-Vehicle25%
Paid-in-Full10%
Paperless5%
Safe Driver15%

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Additionally, Nat Gen provides exclusive offers for low mileage and multi-vehicle policies, maximizing savings potential.

national general car insurance review: bundling car insurance discount

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
J.D. Power TablePress LogoScore: 833 / 1,000
Avg. Satisfaction
Score: A
Good Financial Strength
Consumer Reports TablePress LogoScore: 72/100
Avg. Customer Feedback
Score: 1.12
Avg. Complaints
A.M. BestScore: A
Excellent Financial Strength

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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.

National General Car Insurance Review Reddit

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.

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

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.

Reviews
for National General Insurance Company (Integon)

3.23 (388 reviews)
0.5
June 25, 2024

Kat P

National General Insurance Company (Integon) review

My experience with this company was the worst ever!! I had an accident and had full coverage on my vehicle, it was a total loss. I\'m 5 months in waiting on my check. Bank is paid off so I\'m not understanding why the long wait for my money to be sent to me. I advise anyone and everyone DO NOT choose this insurance company. The worst service, horrible customer service, you choose to get a call back and never get a call back. You ask to speak to a...
My experience with this company was the worst ever!! I had an accident and had full coverage on my vehicle, it was a total loss. I\'m 5 months in waiting on my check. Bank is paid off so I\'m not understanding why the long wait for my money to be sent to me. I advise anyone and everyone DO NOT choose this insurance company. The worst service, horrible customer service, you choose to get a call back and never get a call back. You ask to speak to a supervisor and there\'s none available. Who ever owns this company they need to re-evaluate there staff because they are totally the worst in the business.
2
April 26, 2024

dammie875

Be careful about this company

I hate this company so much. I was in an accident and today it would be one month I called to file a claim immediately it happened and I gave them time and didn't start calling until it had been 2 weeks with no callback and it has been one excuse or another. the claim is still pending give us a few days, the reviewer is in the final steps of reviewing give us a few days I have given you people one whole month. I am a college student and it is my ...
I hate this company so much. I was in an accident and today it would be one month I called to file a claim immediately it happened and I gave them time and didn't start calling until it had been 2 weeks with no callback and it has been one excuse or another. the claim is still pending give us a few days, the reviewer is in the final steps of reviewing give us a few days I have given you people one whole month. I am a college student and it is my commuter car I got a car because I could not rely on public transport anymore now I am without a car and have no callback after this claim I am ending my insurance.
1
September 7, 2023

Michellemb

Cheap coverage, bad customer service

Cheap company! They have a terrible coverage and they basically ignore police reports to avoid paying for your vehicle damage. Don’t lose your time, they will do nothing for you. Customer service is a shame, consultants never answer the phone and they never get back to you if you leave a voice mail.
1
August 9, 2023

Honest_olive

THIS IS THE WORST INSURANCE CARRIER!!

THIS IS THE WORST INSURANCE CARRIER!! My vehicle was stolen earlier this year and I made a police report and reported it to my insurance (National General Insurance Company (Integon). First off, it takes them weeks to get back to you with an update. My car was towed and impounded, I received a letter and reported it to them so they can pick it up. I missed work to go to the impound and sign off the car to the insurance, so they are able to pick i...
THIS IS THE WORST INSURANCE CARRIER!! My vehicle was stolen earlier this year and I made a police report and reported it to my insurance (National General Insurance Company (Integon). First off, it takes them weeks to get back to you with an update. My car was towed and impounded, I received a letter and reported it to them so they can pick it up. I missed work to go to the impound and sign off the car to the insurance, so they are able to pick it from the lot, as I am the owner, but after a week they call me to tell me that the car is being towed to my house instead of a shop. My vehicle is completely dead, I have no idea what they did to it. I know with this advanced technology; they can snatch a car with new devices. After months of waiting to hear back, they sent me a letter stating they will not fix my car as there was no forced entry. I do not have a couple thousands hanging around to fix it on my own, so I don't have a drivable car. I am disappointed! I want to share my experience, so you guys know what this insurance does not offer. There is new technology out there, they are claiming that no one broke in since there are no signs of forced entry. They do not deserve your money. They need to update their policy to reflect the "new" times. So now because someone decided to take my car for a joy ride resulting in a electrical breakdown, I have been car-less for months! While the insurance wiped their hands clean, claiming they cannot fix it because there were NO SIGNS OF FORCED ENTRY. It is RIDICULIOUS!!
1
April 13, 2023

tee1984

DAMAGE TO MY VEHICLE

A terrible insurance company that is cheap. I never had auto insurance with them but their client [REDACTED NAME] damaged my brand new truck. Lied so they don’t have to pay for my truck to fix He was driving on old ford fusion. I WOULD NEVER RECOMMEND THIS COMPANY TO ANYONE THEY ARE TERRIBLE TOWARDS THE CLAIMANT.
1
January 31, 2023

Forde

Poor communication

Recently had a blow out on vacation in my travel trailer. From the dropped calls by customer service on the road to the slow to no response from the adjuster or even her supervisor, it’s hard to believe the good ratings they have. When the repair shop has to call me because no one is returning their calls from Integon, it’s obvious the ratings are inflated. All I want is for [REDACTED NAME] or her supervisor [REDACTED NAME] to return eithe...
Recently had a blow out on vacation in my travel trailer. From the dropped calls by customer service on the road to the slow to no response from the adjuster or even her supervisor, it’s hard to believe the good ratings they have. When the repair shop has to call me because no one is returning their calls from Integon, it’s obvious the ratings are inflated. All I want is for [REDACTED NAME] or her supervisor [REDACTED NAME] to return either my call or the repair shops call so I can get my Airstream repaired. I am done leaving voice messages that fall on deaf ears.
1
October 8, 2022

Ivonarencibia

HORRIBLE INSURANCE

My mom had gotten this insurance my car was involved in a a hit and run accident and the bumper was stolen from the vehicle. They denied my claim due to them failing to ask my mom of the people that live at the residence and canceled the policy. They have horrible response time and don’t bother sending out an adjuster to see the car. I will be taking legal actions
1
July 18, 2022

New_Review_01

My experience with integron

Hi Everyone, Wanted to take the time in writing a formal review on this insurance. There was a situation with my auto insurance that made me cancel my policy with Integron. I paid about $137 for my new vehicle insurance and was probably paying for a whole 2 years ( about 3,288 total) with them until a homeless driver hit my vehicle. I was not at fault and the insurance company offered no help with getting my car taken care of.. had to pay deduc...
Hi Everyone, Wanted to take the time in writing a formal review on this insurance. There was a situation with my auto insurance that made me cancel my policy with Integron. I paid about $137 for my new vehicle insurance and was probably paying for a whole 2 years ( about 3,288 total) with them until a homeless driver hit my vehicle. I was not at fault and the insurance company offered no help with getting my car taken care of.. had to pay deductible and baisically full balance since the insurance company only offered to help with 114$ overall. It was very unbelievable and not only that, they didn't want to send anyone to look at the car but send pictures of car at surface level so they basically did not offer any accurate diagnosis when deciding how much they are supposed to help with fixing my account. PLEASE I BEG EVERYONE TO AVOID THIS INSURANCE. I will try my best to spread the word out across every platform because I son't anyone to go through this either. I just couldn't imagine if I had gotten in even a bigger accident, this insurance would try it's best to go against me.
1
January 25, 2022

Traveler_

STAY AWAY

STAY AWAY Don't use this company for any reason. After paying for years on issuance for my motorhome and never having a claim. A windstorm blew this windshield off and caused damaged to the roof which created a leak. They denied this claim and were extremely rude in the process. They want your money but when you need them, they are nowhere to be found. Criminals
1
December 7, 2021

venebar

They are irresponsible

It is a [REDACTED WORD] doesn't work, no costumer services, nobody answers your call, just a machine, and adjuster all the time has you phone turned off, they don't want to pay my car accident. Don't but any policy with them, never and ever Nooooo
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