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National General Car Insurance Review
(Mar 2024)

According to the Jerry research team's analysis of over 18,000 real customer reviews, National General ranked first amongst companies of a similar size and popularity.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Comprehensive National General Car Insurance Review

According to the Jerry research team's analysis of real customer reviews, National General ranked first amongst companies of a similar size and popularity.
Jerry
experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more. 
Here's how verified policyholders of National General rated their insurance provider:
4.3
red starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred starred stargray stargray stargray stargray stargray stargray stargray star
819 Reviews
5 Stars
63.61%
4 Stars
17.7%
3 Stars
10.74%
2 Stars
4.27%
1 Star
3.66%

So, is National General a good insurance company?

In short, yes.
We looked at more than 800 real National General customer reviews and found that over 84% of reviews were overwhelmingly positive, while only 6.1% were negative. 
Why National General’s reviews are even more impressive when compared to the national average of only 64% positive and 18.54% negative reviews. 
The positive: Affordable insurance rates for high-risk drivers and easy payment options were the main points of praise in reviews of National General. Some other highlights National General clients have mentioned include: 
  • Lower rates for first-time DUI offenders
  • Lifetime warranty on auto repairs as a result of a covered claim
  • Agents located across the country
On the flip side, customers who left negative reviews often mentioned how their premiums were higher than average depending on select driver profiles.
We polled policyholders to see how they felt about National General's pricing, claims process, customer service, and policy renewal procedure. 
Check out the table below to see how National General's scores stacked up against the average for all companies surveyed:
CriteriaNational General's RatingIndustry Average
Overall
4.8
4.1
Cost / Price
4.8
3.8
Claim Experience
3.5
3.5
Customer Service
4.8
4
Renewal Experience
3.2
4
Along with our own survey data from actual drivers, we considered the opinions of other industry leaders when assessing National General's strengths and weaknesses. Here's how National General compares to the national average for other insurance providers in the United States: 
Critera
State Auto
Score Out Of
BBB Rating
A+
A+
NAIC Rating
9.44
6
Clearsurance
3.28
5
A.M. Best Rating
A-
A++
IOS App Store Rating
2.6
5
Google Play Store Rating
2.7
5
Please note* that a greater NAIC score indicates increased risk.

National General car insurance reviews

We didn’t only ask real insurance policyholders to rate National general by the numbers—we also wanted to hear what they had to say! Take a look at some real reviews from National General insurance policy customers below:

National General pros and cons

Here are the pros and cons of purchasing an auto insurance policy from National General, as determined by our analysis of both our national insurance customer satisfaction survey and the publicly available third-party ratings for National General:
iconPros
Competitive rates for high-risk driver
Easy online/over-the-phone payment options
Large selection of individual and policy-based discounts
Most drivers can find lower rates with discounts
iconCons
Higher-than-average premiums for some driver profiles
Charges a fee if you want to cancel your policy
Low-to-average customer service ratings

Is National General the right insurance company for you?

National General is frequently regarded as one of the top auto insurance providers for: 
  • Drivers classified as high-risk, due to a history of accidents, DUI offenses, or other factors
  • Drivers seeking insurance for unique or specialty vehicles such as ATVs, boats, or personal watercrafts
  • Drivers wanting full coverage car insurance 
National General offers auto insurance to drivers in all 50 states and provides customer service support online and over the phone.
In addition to traditional car insurance, National General also offers: 
Click on the buttons below to check out the details of our analysis of National General's auto insurance services.

Is National General car insurance expensive?

Most National General customers felt they were paying reasonable rates according to their driver profile
While some drivers complained about cost, most stated that despite the risk factors on the profile, National General offered very competitive rates. 
32% of reviews for National General mentioned price. An overwhelming 77% of those reviews were positive, while just 13% were negative. 
After carefully examining each review, it appears that National General provides reasonable auto insurance premiums to customers of all demographics and driving records. 
National General ranked 1st among companies of comparable size in terms of policy cost satisfaction. Their overall rating of 4.75 out of 5 stars is significantly higher than the national average of 3.81. Here is how National General stacked up against the other companies we looked at:
National General Policy Cost RatingRankingIndustry Average
4.8
1
3.8
Keep in mind: Car insurance rates are highly individualized, meaning that every driver’s quote from Infinity will be different. Like other insurance companies, Infinity
calculates insurance premiums
based on:
Although insurance companies in each state are legally allowed to use their own rating factors in determining premiums, there are still noticeable state-to-state price differences.

National General cost reviews

Check out how real Jerry users rated National General based on cost below:

Will National General raise your rates?

National General, like all insurers, can only raise rates whenever you
renew
your policy. 
A few of the reasons why National General might raise your rate are:
  • Violations or tickets
  • Accidents
  • Change of address
  • New car on the policy 
  • New driver on the policy 
  • Inflation
We found that 75% of drivers who were surveyed renewed their auto insurance with National General. 

Does National General resolve claims fast?

National General resolves
car insurance claims
in as little as 24 hours.
During this time, the company will look into the claim, evaluate the damages or injuries, and figure out who is at fault and what insurance coverage is available so that a quick settlement or denial can be made.
Based on the feedback of their verified customers regarding the claims process, we ranked National General 16th among companies of a similar size. 
You can get an idea of what it's like to file a claim with National General by reading the reviews below
National General Claims Resolution RatingRankingIndustry Average
3.5
17
3.5

National General claims reviews

Take a look at how real Jerry users rated National General based on claims handling below:

Does National General have good customer service?

Customer service is a strong suit for National General. 
National General's customer service received a 4.8 out of 5 rating from survey respondents. When compared to the national average of 3.9, National General's customer service is outstanding. 
Our survey participants rated National General's customer service, on average, as follows:
National General Customer Service RatingRankingIndustry Average
4.8
2
4

National General customer service reviews

See how real Jerry users rated National General based on customer service below:

National General car insurance discounts

National General offers a variety of
discounts
to help their customers lower the cost of their car insurance policy. Drivers who qualify for more than one of these great discounts could earn serious savings.
For drivers looking to cut costs, discounts for things like a clean driving record, low mileage, and policy bundling can make a significant dent in the monthly premium. You can also save money on car insurance by installing safety features and by switching to a policy that is based on your driving habits. 
Here’s a rundown of National General’s discounts:
  • Defensive driving discount: Depending on what state you live in, you could earn a lower rate on your National General car insurance by completing a defensive driving course.
  • Anti-theft discount: National General offers a discounted rate to drivers who install safety equipment such as an aftermarket alarm or surveillance camera.
  • DynamicDrive discount: Drivers who download the Routley app and use it to track their driving habits could qualify for a lower rate on their National General car insurance.
  • Low mileage discount: You can qualify for reduced National General car insurance costs by subscribing to OnStar and driving less than 15,000 miles a year.
  • Good student discount
    : National General has reduced rates available for drivers who are under the age of 25, enrolled in school, and maintain a B average or better.
  • Payment options discount: National General has discounts available for drivers who sign up for paperless billing, pay their premium in full, or enroll in automatic payments.
  • Multi-policy discount: Taking out more than one National General insurance policy could reduce your overall costs.
Remember that insurance discounts can and do change over time and that new discounts may have been introduced since we last updated this page.
If you want the latest details on National General's current discounts, your best bet is to visit their website or get in touch with a representative directly.

National General coverage options

Any insurance company can get you the coverage you need to meet your state’s minimum requirements—but what if you want to optimize your coverage? National General offers a selection of coverage options to provide extra protection after a traffic accident or other incident.
Here are the
types
of legally required coverage offered by National General.
If you’re looking for a policy that goes beyond your state’s legal requirements, here are the optional coverages offered by National General.
  • Collision insurance
    : This coverage pays to repair your car after an accident with another vehicle or a stationary object such as a tree or a guard rail.
  • Comprehensive insurance
    : If your car is damaged by severe weather, theft, vandalism, or anything other than a traffic accident, this coverage will help you pay for repairs.
  • Roadside assistance
    : Opting for this coverage gets you access to the National General Motor Club, a service that provides towing, tire changes, battery jumps, and more.
  • Rental reimbursement:
    If your car is in the shop after an accident, this coverage pays up to $100 per day for a rental car.

National General’s additional tools and services

Standard coverage options aren’t the only services offered by National General. Here are some of their top insurance products.
  • SR-22
    : After a DUI conviction, many states require drivers to carry an SR-22 certificate, proving that they meet the state’s minimum coverage requirements. National General offers these certificates and can help you find the coverage you need after being charged with driving under the influence.
  • Emergency expense allowance: National General covers expenses related to food, travel, and lodging up to a daily limit if you find yourself stranded after filing a claim for an accident.
  • Valet: If you’ve filed a claim for an accident and have a policy that includes rental reimbursement, National General will pick up your damaged vehicle and deliver your rental car. Once your car is repaired, National General will deliver it back to you and return your rental.
  • Customer satisfaction guarantee: Depending on which state you live in, National General will take up to $250 off your deductible if you’re not satisfied with your service.
Be aware that the availability of these supplementary resources and services is not guaranteed and may differ depending on your location and policy. Visit the National General website or call customer service to learn more about the services available in your area.

FAQs

If you need to file a claim with National General, just log into your account on the National General website or mobile app. You can also call the claims service department at 1-800-468-3466.
You’ll need to provide some basic information about the incident. You can then choose whether to take a payment or have your insurance cover your repairs. If you want to repair your vehicle, your National General insurance agent can direct you to an approved body shop.
National General is a reputable insurance company that offers competitive rates to high-risk drivers. However, above-average premiums for typical drivers and a poorly rated claims process might mean you'd be better served by another provider.
National General writes auto insurance policies for drivers in all 50 states.
If you want to talk with a National General customer service representative, you can call 1-888-293-5108. If you need to file a claim, then you should call 1-800-468-3466. You can also chat with a representative online through the National General website.

Read all National General car insurance reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.