Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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At a glance
4.0
Rating: 4 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.6 stars out of 5
3.6
Cost & ratings
Rating: 3.5 stars out of 5
3.5
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 3.4 stars out of 5
3.4
Home
Rating: 4.3 stars out of 5
4.3
Cost & ratings
Rating: 3.8 stars out of 5
3.8
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders looking for robust homeowners policies and ample car insurance discount opportunities might opt for National General Insurance as their company of choice.
Pre-packaged home insurance policies that may appeal to first-time homeowners
Wide variety of home and car insurance endorsements available
Tiered car insurance policies make it easy to purchase coverage
Offers high-risk auto insurance
Widespread coverage throughout the U.S.
Auto
Avg. annual premium for full coverage
$2,777
Avg. annual premium for min coverage
$758
Home
Avg. annual premium for $300k dwelling coverage
$1,727
New
What's new with National General?
In July 2024, the U.S. Department of Justice filed a civil complaint against National General, charging it with mistakenly force-placing collateral protection insurance on vehicles financed by Wells Fargo from 2008-2026. Borrowers with the coverage paid an average of $1,100 a year for coverage they did not need.
In 2021, Allstate acquired National General and began underwriting National General’s insurance policies. Allstate reports that the acquisition allowed the company to expand its coverage, a strategy that appears to be profitable.
National General car insurance review
National General, an Allstate-owned company, earned an auto Bankrate Score of 3.6 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:
Pros
Lifetime guarantee on auto repairs due to a covered claim if you take your vehicle to an approved shop
Emergency expense allowance will cover up to $500 for food, lodging and travel if you’re stranded after a covered claim
Lower-than-average rate for full coverage car insurance
Cons
Minimum coverage car insurance rate is slightly higher than average
Lower-than-average J.D. Power scores for overall customer satisfaction and claims satisfaction
Higher number of complaints than other companies
National General car insurance cost
Based on quoted premiums sourced from Quadrant Information Services, the average cost of car insurance from National General is $2,777 per year for a full coverage policy. For minimum coverage, the annual average is $758. In comparison, the national average cost of car insurance is $2,692 and $808 per year for full and minimum coverage, respectively.
How much is National General car insurance?
Car insurance companies use several factors to calculate a car insurance rate, and your driving record is among the most significant. However, not all driving activity is weighed equally. For instance, an at-fault accident may cause a more considerable rate increase than a speeding ticket.
Bankrate has access to proprietary premium data from Quadrant Information Services, and we use this information to track rate trends over time. In the table, you can see how different types of driving activity may impact car insurance quotes. Note that not all drivers with DUI convictions qualify for coverage from all carriers. Speak with an agent to determine your eligibility.
In the U.S., drivers aged 16 to 19 years old are almost three times as likely to be involved in a fatal car accident. To offset this higher risk, car insurance companies typically charge young drivers a higher premium. However, these drivers could see relief if they’re listed on their parents’ policy rather than their own, as demonstrated by the tables below. Please note that these rates are based on a clean driving record.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Car insurance providers weigh personal factors differently when setting rates. Plus, availability, coverage options and discounts can all affect an insurer’s rates, which is why comparing costs can be so helpful when shopping for car insurance. To help you get a start, we’ve listed the average rates for full and minimum coverage of some popular insurers like State Farm and Progressive so you can see how National General compares.
Excellent customer service may be a priority for many shoppers. To help you evaluate an insurance company’s customer satisfaction, Bankrate reviews ratings issued by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). J.D. Power is a third-party rating company that studies a broad list of pain points that an insurance company may have, including overall customer satisfaction, claims satisfaction and digital experience. The higher the company scores out of 1,000, the more satisfied its customers may be.
National General auto claims satisfaction
National General was rated below average in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, scoring 672/1,000. The study average was 697. In J.D. Power's 2024 U.S. Auto Insurance Study, National General scored well below average in the regions where it was ranked, which included California, the Mid-Atlantic region and the Southeast.
In contrast, National General’s high AM Best score could be thanks to the fact that it was purchased by insurance industry giant Allstate in 2021. High AM Best ratings typically signal that a company has strong financial backing — and thus a higher likelihood that it will be able to make good on claims filed by its policyholders.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 672 to 697.
End of interactive chart.
National General auto insurance customer complaints
In addition to J.D. Power scores, our editorial team also analyzes the NAIC complaint index. This database tracks how many complaints an insurance company receives and issues each carrier a complaint index score. The baseline complaint index score is 1.0. A score higher than 1.0 indicates that a company has received more complaints than the average for a company of its size and vice versa.
According to the NAIC, National General receives nearly six times more customer complaints than average regarding its private passenger insurance line. The company has consistently received more complaints than expected over the last three years. That said, drivers who prioritize customer service may want to talk with friends or family insured with National General to get a true feel for the policyholder experience.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 3.48 to 5.89.
End of interactive chart.
National General car insurance discounts
National General offers several car insurance discounts that could help you save. Discount amounts and eligibility vary, so you may want to contact the company directly for more information.
Low mileage discount: Policyholders who drive less than average may earn a discount on their car insurance.
DynamicDrive discount: National General customers who download the company’s telematics app and demonstrate safe driving habits could save in certain states.
Paperless discount: Customers who agree to receive their bills and policy documents electronically may earn a discount.
Security device discount: If your vehicle is outfitted with a security device, like an anti-theft system, National General may reward you with an insurance discount.
RV and auto bundle discount: When you bundle a car insurance and RV insurance policy from National General, you could save up to 20 percent on your premium.
Diminishing deductible: This policy feature is available on Custom360 packages. With diminishing deductible, National General may give you a $100 credit toward your deductible for every 12-month policy term that you do not file a claim.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with National General
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
National General home insurance review
National General home insurance earned a Bankrate Score of 4.3 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:
Pros
Custom360 coverage packages may streamline the quoting process
More advertised discounts than some competitors
Extensive coverage options and endorsements
Cons
NatGen does not insure mobile or manufactured homes
You must speak with an agent to get a homeowners quote
Below average customer satisfaction rating
National General home insurance cost
According to Bankrate’s research, National General’s annual average rate is $1,727 for $300K in dwelling coverage. Comparatively, the annual average premium in the U.S. for $300K in dwelling coverage is $2,329 per year. If you purchase more or less coverage, your premium will reflect the difference.
$150K dwelling
National General average premium
$957
National average premium
$1,437
$300K dwelling
National General average premium
$1,727
National average premium
$2,329
$350K dwelling
National General average premium
$1,983
National average premium
$2,600
$450K dwelling
National General average premium
$2,502
National average premium
$3,141
$750K dwelling
National General average premium
$4,044
National average premium
$4,437
Compare National General homeowners insurance rates
Keep in mind that these are averages. The exact price you’ll pay for your home insurance premium varies by company since each insurance provider weighs unique factors differently to determine a homeowners premium.
Excellent customer service may be a priority for many shoppers. To help you evaluate an insurance company’s customer satisfaction, Bankrate reviews ratings issued by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). J.D. Power is a third-party rating company that studies a broad list of pain points that an insurance company may have, including overall customer satisfaction, claims satisfaction and digital experience. The higher the company scores out of 1,000, the more satisfied its customers may be.
Although National General was not included in J.D. Power’s 2024 U.S. Property Claims Study, Bankrate evaluated other J.D. Power studies that rate this insurer. In J.D. Power's 2024 Digital Experience Study, National General scored above average in the shopping category, suggesting that the company makes it easy to plan your purchase. In the 2024 U.S. Home Insurance Study, however, NatGen was in the second-to-lowest place on the list, possibly indicating a need to improve their customer relationships.
National General home insurance customer complaints
National General generally fares well according to the NAIC Complaint Index. Although it received a higher-than-average complaint score for 2022, the company appears to have made improvements and now receives fewer complaints than companies of a similar size.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.24 to 1.85.
End of interactive chart.
National General home insurance discounts
National General offers several discounts that could help lower your premium. However, the company does not disclose discount amounts and eligibility restrictions. For further information, you may request a quote or contact an agent, but the list below can give you better insight into National General discount offerings:
Age of home discount: You may save money on your policy if your home is newly built. National General does not disclose what home ages qualify for a discount.
Gated community discount: National General may lower your homeowners insurance premium if your insured home is located in a gated community.
Homeowners association discount: If you belong to a homeowners association for your neighborhood or community, you might be able to get a discount through National General.
College education discount: You could qualify for a discount if you are the primary policyholder and you have a college degree.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with National General
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare National General with other insurers
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.
Featured
National General
Rating: 4 stars out of 5
4.0
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
National General’s pre-packaged home insurance policies could make it a good choice for first-time homeowners. However, the company receives a higher number of complaints and has a low J.D. Power score for customer satisfaction.
Compared to National General, Bristol West has more limited policies, but it may be a good option for those who prefer a hands-on approach to their insurance. The carrier has a highly rated mobile app for on-the-go policy management but offers few add-ons and discounts for policy customization.
The General is a popular car insurance carrier for high-risk drivers who may have a poor credit score or need an SR-22. The company offers several insurance policies, including life insurance through American Family Insurance. The General is not available in all 50 states, but it does have numerous discounts for potential savings.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is National General a good insurance company?
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.
Reddit User 1*
Jun 9, 2024
Red flags with the claims process
I'm raising awareness about how badly National General insurance handles claims. Despite paying for full coverage, my hit-and-run claim was unjustly denied after no proper investigation, even with police reports and 911 calls confirming the accident. It's been seven weeks with no resolution, just phone calls and no car inspection. As loyal customers, we deserve better. If you've had a similar experience, let's organize and take this to the press together.
National General is actually pretty good. I’ve been with them since 2019 and never had problems with them. Recently, I kinda did but it's sorta my fault. I forgot to list my mom as a household member, not driver, and they might not cover me just because of that, but they took my loyalty of 5 years into consideration and covered the damages and everything is all good. Any other insurance would’ve given you the boot and left you to pay all the damages on your own.
*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
Generally, filing an insurance claim is straightforward, but you must provide your carrier with some information to get started. For instance, your insurance company will likely ask for the vehicle and driver information of everyone involved when you’re reporting a car accident. The claims agent will probably ask you to describe the details of the incident, and you may need to provide supporting documentation, such as a police report. When you have what you need, you can file an insurance claim with National General by calling the claims line at 1-800-468-3466, reporting the claim via the online claims portal or contacting the claims chat.
National General does not include much information about its social responsibility on its website. However, its parent company Allstate appears to have a solid dedication to community impact through various charitable partnerships, including the Allstate Foundation. This program promotes SEL (social and emotional learning) curriculum in classrooms, provides resources to those impacted by domestic violence and fights for racial equity by advocating for livable wages and lowering barriers to access in growing industries.
Yes, National General was purchased by Allstate in January 2021 in a $4 billion deal.
National General has two different customer service lines, one for auto policies (1-888-293-5108) and one for home policies (1-888-325-1190). To file a claim, you can dial the claims line at 1-800-468-3466. Or, if you are interested in an insurance quote, you can call National General at 1-800-462-2123.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
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 the discount options listed on each company’s 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 in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC).
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 a home 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 in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about National General
National General has 50 reviews
Dive into community reviews below and see what others think about National General.
4.4
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
92% of consumers recommend this insurer
Score breakdown
5 stars
46%
4 stars
46%
3 stars
8%
2 stars
0%
1 star
0%
Score by category
Overall rating4.4 / 5
Original cost4.1 / 5
Coverage4.3 / 5
Customer Support4.5 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about National General.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Last time I switched they were the best of the five I talked to
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
The insurance experience of the past has been surpassed by better rates, reliable coverage, and exceptional service.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I could sign up online and the rates I'm paying were lower than other insurance companies.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their agent was patient and answered all my questions.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I got a great deal for full coverage.
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Well,I just got this insurance company I use to be with Geico but I change company.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would recommend staying with them because the coverage and deductible is good but the policy cost has quadrupled in the last 3-4 years.
Insurance Type
Home
Score by category
Original cost2/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Sufficient coverage, decent customer support, fast processing. Cost seems a bit high.
Insurance Type
Auto + Home
Score by category
Original cost1/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The cost savings when I added my son to our car insurance
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I had never heard of National General before the insurance representative referred me to them so I was a bit skeptical in the beginning. However, I was pleasantly surprised to hear what their rates were, especially given the fact that I require an SR22 along with a regular policy. They are actually quite competitive in their prices, which is why I have stayed with them for over a year.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
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editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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