National General insurance review 2025

National General, an Allstate-owned company, earned an auto Bankrate Score of 3.3 out of 5 thanks to its financial strength, discount opportunities and nationwide availability. However, this score may have been higher if it had better third-party customer satisfaction scores. One thing worth noting is that National General might permanently guarantee your car’s repairs after an accident if you take your vehicle to one of the company’s Gold Medal Repair Shops. National General also sells high-risk auto insurance to some drivers with less-than-perfect driving records, such as those with DUI convictions. The company may be able to file an SR-22 or FR-44 for drivers who require it, as well.

Along with standard minimum coverage and full coverage policies, National General offers add-ons for more protection, such as roadside assistance, accidental death and dismemberment coverage and an auto protection plan. National General also offers car insurance in tiered packages, called Custom360 coverage. The two tiers, Signature and Elite, come with varying coverage limits. The company has no advertised eligibility requirements, though it does note policy issuance is subject to qualification. National General Insurance is licensed to sell car insurance in all 50 states plus Washington, D.C.

Pros and cons of National General car insurance

When shopping for the best car insurance company, it may be helpful to narrow down your search by comparing perks and drawbacks. Here are some pros and cons we identified for National General:

National General home insurance earned a Bankrate Score of 4.4 out of 5.0 due to its breadth of coverage options, discount opportunities and replacement cost coverage benefits. Still, the company’s score may have been higher if it offered 24/7 customer support.

Choosing a tailored home policy may be easy with National General. With three Custom360 coverage packages to choose from — Signature Home, Preferred Home and Elite Home — many homeowners may find what they’re looking for, whether that be affordability or extensive coverage. Those who choose the Preferred or Elite package may even be able to add endorsements at a lower rate.

In addition to the standard homeowners coverage types you would expect, National General offers many add-ons, including home-sharing coverage, which can provide financial protection for your personal property if you rent out your home overnight. Home systems coverage is also available, which may help pay to repair or replace items like your furnace or water heater if they break down.

Pros and cons of National General homeowners insurance

Comparing home insurance quotes is a great way to assess insurers; however, price is only one factor to consider. It’s also helpful to look into customer reviews, discount opportunities, endorsement options and more. Here are a few pros and cons of National General:

If you’re still not sure National General can meet your needs, you may want to consider getting quotes from the carriers below. It can help to consider what you’re looking for from a provider, be it the cheapest rates, specific coverage types or great reviews, for instance.

Our insurance editorial team includes licensed insurance agents with real-world industry experience. We researched more than 100 insurance companies, and based on our holistic National General insurance review, this could be a good company depending on your needs.

National General might be a good company for some individuals. First-time homebuyers, for example, may appreciate the company's pre-packaged home insurance policies, which can help make the search for the best coverage easier. The same is true for car insurance: National General's tiered policies allow drivers to choose the levels and types of coverage that work best for their situation. If you are looking for highly-rated customer service or the cheapest possible car insurance, however, National General may not be your top choice.

What are real-life customers saying about National General?

Sometimes, it can help to read real-life National General insurance reviews from popular online platforms such as Reddit, Quora and TrustPilot. Contributors often provide useful insight, and readers have the opportunity to engage in thoughtful discussions. Below, Bankrate sourced information from Reddit about what policyholders can expect from National General’s services.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

National General company details

If you’d like to contact National General or do more research to determine if the company is right for you, here are some key contact details:

• To learn more about National General, check out the company website at nationalgeneral.com
• If you need to file a claim, reach National General at 1-800-468-3466.
• To reach an auto customer service representative, call 1-888-293-5108 or call 1-888-325-1190 to speak to someone about your homeowners insurance. If you’d like to speak with a sales representative, call 1-800-462-2123.
• The main email address for National General is service@ngic.com. For immediate assistance, live chat options might be available on the company’s website.

State availability

National General is licensed to sell insurance in all 50 states and Washington, D.C. However, the company may not write all policies in all states. Contact a local agent directly for further details.

National General tools and benefits

National General sells many different types of insurance, which makes it a good option for customers who want to bundle their policies for potential savings or house all their insurance needs under one insurer.

Here are some of the other policies you can purchase through National General:

• Flood insurance: National General sells private standalone flood insurance policies as well as flood insurance through the National Flood Insurance Program (NFIP).
• RV insurance: National General may be one of the top insurance companies for RV insurance, with several perks like free inspections after repairs, permanent attachment coverage and search assistance if you need to replace your totaled RV after an accident.
• Motorcycle insurance: National General offers motorcycle insurance for sports bikes, cruisers, mopeds, scooters, dirt bikes and more.
• Umbrella insurance: Umbrella insurance may provide peace of mind through extra liability protection. National General offers its umbrella coverage via a homeowners insurance endorsement.
• Rideshare coverage: If you drive for a rideshare company like Lyft or Uber, National General’s rideshare coverage may add a layer of financial protection.
• Identity theft coverage: This home insurance endorsement can help with costs related to restoring a stolen identity.

Frequently asked questions about National General

These are sample rates and should only be used for comparative purposes. 

Additional profiles:

• Coverage A, Dwelling: $150,000, $350,000, $450,000
• Coverage B, Other Structures: $15,000, $35,000, $45,000
• Coverage C, Personal Property: $75,000, $175,000, $225,000
• Coverage D, Loss of Use: $30,000, $70,000, $90,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.