National General Car Insurance Review 2022

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Drivers who change providers to National General with Jerry save an average of $1,144 per year on auto insurance.
If you’re in the market for car insurance, who’s got time to fill out multiple forms—not to mention fielding annoying sales calls from insurance providers?
Jerry is an AI-powered car insurance broker and comparison shopping app that takes all the difficulty out of finding great insurance rates.
Sign-up takes a cool 45 seconds and then you’ll get to sort through competitive quotes from the country’s top insurers. Just choose the one you like best and Jerry will finalize it—all without you making a single call or filling out any forms.
Here are real quotes from Jerry users:
Quote DateCar MakeCar ModelStateCityNameAge
Annual Savings after Switching to National General with Jerry
April 29, 2022DodgeCharger SEGADoravilleMichael P.35-44$466
April 29, 2022HondaAccord SportCAEl-SobranteCatherine C.25-34$928
April 27, 2022NissanXterra XETNWallandCarlos H.21-24$536
May 3, 2022FordExpedition XLTGAMorrowLina F.35-44$420
April 27, 2022HyundaiElantra SETXAubreyElizabeth K.45-54$1,624

Quick look: National General car insurance

Good for
Wide variety of coverage choices
Insuring high-risk drivers

What coverage does National General offer?

National General is known for insuring high-risk drivers and customers with a large selection of policy choices. Here’s a summary of what National General offers:

Most common coverages

  • Liability insurance: Liability insurance is obligatory in most states in the country. It includes bodily injury liability and property damage liability, both of which offer protection to other drivers if you’re the responsible party in an accident.
  • Comprehensive insurance: Comprehensive coverage isn’t mandatory in any state, but you may need to buy it if you’re leasing or financing a vehicle. Comprehensive insurance pays for damage that is not caused by a collision, such as from theft, vandalism, or severe weather.
  • Collision insurance: Collision coverage protects your car from damage resulting from an accident involving another vehicle or a fixed object. Collision insurance is optional but may be required if you’re leasing or financing the car.
  • Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection reimburses you for any costs resulting from a collision caused by a driver who doesn’t have insurance. In such a case, your insurance provider covers your expenses—you don’t need to sue the driver. If you live in a state with a lot of uninsured drivers, this coverage is vital.
  • Medical payments coverage: MedPay pays for medical expenses for you and anyone riding in your car if you’re hurt in an accident—even if you’re at fault. MedPay is mandatory in a few states but optional in most.
  • Personal injury protection PIP is similar to MedPay in that it covers your medical costs if you’re injured in an accident. PIP also will cover any wages lost due to injury—something MedPay won’t do.
  • Roadside assistance: Also known as towing and labor coverage, roadside assistance helps you in a pinch with services such as fixing flat tires, boosting a dead battery, and towing.

Helpful add-ons

  • SR-22: National General will provide an SR-22 form to states, proving that a driver who was previously involved in a serious traffic incident (such as a DUI) has the requisite amount of insurance as demanded by law. In Florida and Virginia, this is known as an FR-44.
  • Emergency expense allowance: Up to a daily limit, National General will cover any food, shelter, and travel expenses to ensure you aren’t stranded after an accident and filing a claim.
  • SmartValet: After a claimable accident, National General’s SmartValet will pick up your damaged car and deliver a rental car to you. Once your car is repaired, the insurer will drop it off to you and return the rental they initially provided. To use SmartValet, you’ll need to have rental reimbursement insurance.
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How much does National General auto insurance cost?

Annually, the average auto insurance premium for minimum insurance with National General is $1,427. As for full coverage that offers better financial protection, the average premium is $2,126.
Insurance companies weigh a variety of factors when calibrating your insurance rate, such as what kind of car you drive, your driving history, and your personal profile. Suffice to say, premiums often vary significantly from one driver to the next.
Here are the average monthly payments for both minimum and full-coverage policies with National General:
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
Younger drivers with National General insurance usually pay $2,277 per year, while older drivers tend to pay less—an average of $2,078 per year.
Age is a key factor for insurers when determining rates. Data shows that teenage drivers are nearly three times likelier than drivers over 20 to be involved in an accident. This higher risk means they pay far steeper rates than the average motorist.
Here’s what drivers pay with National General based on their age group:
Age GroupAnnual Cost
Annual Savings after Switching to National General with Jerry

Who qualifies?

National General offers insurance to drivers of all ages, but the company is known for its willingness to insure drivers with serious traffic violations on their records.
Here’s the average annual cost of National General insurance for drivers with a traffic violation on their record:
Driving InfractionAnnual Cost
Annual Savings after Switching to National General with Jerry
Clean Record$1,903$921
Eluding Police$2,625$1,473
Illegal Turn$2,324$1,291
Open Container$2,582$963
Careless Driving$2,248$1,234
Driving on Sus. License$2,222$1,220
Wrong Way/Wrong Lane$2,439$962
Failure to Obey Traffic Sign$2,212$1,161
Speeding over 15$2,164$1,157
Improper Passing$2,223$1,062
Speeding under 15$2,175$1,109
Passing School Bus$1,948$1,328
Leaving scene of an Accident/Hit and Run$2,203$1,006
Cell Phone$2,374$638
Defective Equipment$1,896$1,100
Seat Belt$2,080$914
Racing/Drag Racing$2,118$702
Reckless Driving$1,353$1,291
Key Takeaway National General provides insurance for drivers of all ages but is known for insuring drivers with a serious violation on their record.
National General insurance is available in all 50 states.
As a licensed broker, Jerry can help you compare and buy car insurance no matter your zip code. In just a scant 45 seconds, you’ll be browsing through dozens of competitive quotes from the country’s top insurance companies.
Once you pick a policy, Jerry finalizes all the paperwork for you. And we shouldn’t forget to mention—Jerry cancels your old policy so that you don’t have to.
Here’s the average annual cost of National General insurance based on state:
StateAnnual Cost
Annual Savings after Switching to National General with Jerry
Key Takeaway Using Jerry can help you find the best coverage at the most affordable price, regardless of your state.


National General offers plenty of discounts to help policyholders reduce the cost of their car insurance premiums. While each discount tends to be small individually, combined they can make a big difference in your annual rate
Here are some of the most common driver- and vehicle-based discounts offered by National General:
Defensive drivingBy taking a defensive driving course, you could be in line for a small discount on your premiums.
SafetyHaving an anti-theft device may net you a discount.
DynamicDriveNational General’s telematics program monitors your driving. If you’ve got good driving habits, you’ll get a discount on your premiums.
Tracking milesThe less you drive means the less you’re on the road, which in turn lowers your risk of getting into an accident. You may get a discount on your premiums if you’re a low-mileage driver.
Here are some common policy-based discounts with National General:
Multiple policiesHaving multiple insurance policies (say, car insurance and home insurance) with National General will qualify you for a discount.
Multiple vehiclesNational General will provide a discount if you insure more than one car with them.
Auto paymentsYou’ll get a discount if you sign up for automatic payments with National General.
Going paperlessYou’ll qualify for a discount if you ditch paper and manage your policy and correspondence exclusively online.
Paying premium in fullIf you pay for your policy in full and upfront, you’ll get a discount on your overall rate.
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Additional services

National General offers DynamicDrive, a telematics insurance program that uses the mobile app Routely to measure and track your driving behavior.
National General considers things like speed, braking habits, and when you drive to determine premiums. You’ll get a discount for good driving, but your premiums may rise if Routely detects bad driving behaviors.
If you aren’t happy with your service, National General offers a customer satisfaction guarantee, which means they’ll waive a portion of your deductible. Do note that this is not available in Washington state.
National General offers several other insurance products:
  • Homeowners / renters / condo
  • Accident and health
  • Small business
  • Motorcycle
  • Motorhome
  • Recreational vehicles (20% off if you insure both your car and RV with National General)
  • Collector or classic car insurance

Things to keep in mind

Payment options

National General allows policyholders to pay online or by calling a customer service agent. You can set up an auto-payment plan or pay your premium in full at the start of the term.
Paying in full and setting up auto payment will net you a small discount on your premiums.

Cancelation policy

If you cancel your insurance with National General, you might have to pay a cancellation fee. Speak with your National General agent or call 888-293-5108. If you do owe a cancellation fee, Jerry can help get you a refund!
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