National General Car Insurance Review for 2024 [Real User Experiences]

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	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 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

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.

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

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
Multi-Vehicle	25%
Low Mileage	20%
Multi-Policy	20%
Defensive Driving	15%
Safe Driver	15%
Affinity Group	10%
Anti-Theft Device	10%
Homeowner	10%
Paid-in-Full	10%
Paperless	5%

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.

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 Business Practices
	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 highlight areas where National General excels, especially in claims handling.

Reddit users have also shared personal experiences with National General, adding valuable insights. For example, one user, Practical-Aide-8675, mentioned they have been with National General since 2019 and have had no major issues.

Despite a mistake on their part—forgetting to list a household member as a non-driver—National General took their loyalty into consideration, covering damages that may not have been covered by other providers. This reinforces the notion that National General values long-term customers, even in unique situations.

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’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.