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National General Car Insurance Review 2023

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607 customer reviews
National General is a popular auto insurance company that serves all 50 states, provides discounts, and offers competitive rates.
Finding affordable car insurance can feel like an impossible task. Visiting broker offices takes up a lot of your valuable time, and dealing with sales calls can be a major hassle. But with a little help from the Jerry app, you can find cheap coverage in less than a minute.
A licensed broker, Jerry compares National General rates with quotes from more than 55 of the nation’s top providers, and finds the policy that works with your budget. Thinking of buying coverage from National General? Before you commit, check out Jerry’s review of National General car insurance.
We’ll go over the pros and cons of this nationwide provider, and go over their rates, coverage options, discounts, and more.

National General auto insurance overview

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 motorcycle insurance, RV insurance, and commercial vehicle insurance, plus useful coverages like homeowners insurance, renters insurance, small business insurance, and flood insurance. Want to insure a collection of fine china or antique jewelry? National General can do that too.
National General earned a financial strength rating of A- from AM Best, a credit-rating agency that focuses on the insurance industry. You can feel confident that you’ll receive the coverage you were promised.
But when it comes to overall customer satisfaction, National General falls a little short. Based on Better Business Bureau (BBB) reviews, many National General customers feel dissatisfied after their interactions with the company. 

National General pros and cons

Competitive rates for high-risk driversHigher-than-average premiums for some driver profiles
Easy online/over-the-phone payment optionsCharges a fee if you want to cancel your policy
Large selection of individual and policy-based discountsLow-to-average customer service ratings

National General claim resolution time

National General says they can resolve some claims in as little as 24 hours. But if the claim is more complicated, or involves a dispute, it can take longer. In general, the more detail you provide when you file a claim, the quicker your claim can be resolved.

How to get National General car insurance quotes

If you want to get a quote from National General and see how it stacks up to quotes from other top insurance providers like Allstate or Safeco, download the Jerry app. In less than a minute, we’ll give you a rundown of how coverage options from National General compare to some of the other top car insurance companies.


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 poor reviews from customers 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.
To get National General car insurance quotes and compare them to quotes from other insurance companies, download the Jerry app. 

National General car insurance cost

On average, National General customers pay between $128 and $180 a month for their coverage. But your exact rate depends on the type of coverage you choose. In general, opting for a car insurance policy that includes full-coverage will cost more than one that only includes your state’s minimum requirements.
The table below shows the average yearly rate for National General customers based on coverage level.

What factors does National General look at?

In addition to coverage options, here’s what else National General considers when setting your premium price. 
  • Age: Drivers under the age of 25 usually pay more for their car insurance than older drivers.
  • Vehicle usage: Low-mileage drivers might get lower rates on their coverage than drivers who have long commutes or drive long distances on a regular basis.
  • Traffic violations: The more violations you have on your record, the higher your premium will be.
  • At-fault accidents: Having an at-fault accident on your driving record could lead to increased costs.
  • Other accidents: A no-fault accident record could still raise your insurance costs, depending on what state you live in. 
  • Location: If the area where you live has a high accident rate, has a high crime rate, or is prone to severe weather conditions, you might pay more for your car insurance.
  • Coverage selections and deductibles: While opting for high-level coverage can increase your monthly payments, choosing a plan with a higher deductible can lower them.
  • How you pay (in full, online, etc): National General offers discounts to customers who sign up for paperless billing, pay their premium in full, or enroll in automatic payments.
  • Credit score: Drivers with good credit could get a better rate on their car insurance than those with a low score.

Which National General customers get the best rates?

National General offers competitive rates for high-risk drivers—especially those who completed a safe driving course or substance abuse therapy program after a DUI conviction.
On the other hand, a safe driver with a clean record or lower-level violations might find more affordable coverage from other insurance companies.
Here’s how National General’s average rates compare to other insurers.
Before Jerry
After Jerry
Clean Record$2,798$1,837
Reckless Driving$5,412$1,847
Eluding Police$4,535$2,455
Racing/Drag Racing$3,995$1,996
Open Container$3,705$2,314
Illegal Turn$3,620$2,223
Passing School Bus$3,463$2,672
Failure to Obey Traffic Sign$3,335$2,084
Driving on Sus. License$3,294$2,047
Speeding under 15$3,268$2,062
Speeding over 15$3,261$1,985
Wrong Way/Wrong Lane$3,256$1,987
Improper Passing$3,250$1,969
Careless Driving$3,238$2,022
Cell Phone$3,152$2,107
Defective Equipment$2,963$1,808
Seat Belt$2,950$1,978
Leaving scene of an Accident/Hit and Run$2,632$1,621
See More

National General car insurance rates with violations

While some auto insurance companies won’t work with high-risk drivers, National General is willing to write policies for motorists who have reckless driving charges, DUIs, or speeding tickets on their records. 
High-risk drivers pay more for their car insurance than drivers with clean records do. Here’s a rundown of the average yearly rate for National General customers with violations.
Driving InfractionAnnual Cost
Annual Savings With Jerry
Clean Record$1,837$961
Reckless Driving$1,847$3,566
Eluding Police$2,455$2,080
Racing/Drag Racing$1,996$2,000
Open Container$2,314$1,391
Illegal Turn$2,223$1,397
Passing School Bus$2,672$791
Failure to Obey Traffic Sign$2,084$1,251
Driving on Sus. License$2,047$1,247
Speeding under 15$2,062$1,206
Speeding over 15$1,985$1,276
Wrong Way/Wrong Lane$1,987$1,270
Improper Passing$1,969$1,281
Careless Driving$2,022$1,216
Cell Phone$2,107$1,045
Defective Equipment$1,808$1,155
Seat Belt$1,978$973
Leaving scene of an Accident/Hit and Run$1,621$1,011

National General car insurance cost with DUI

On average, National General customers with DUI convictions pay about -7.01% per year for car insurance. That's about -7.01% more than the average rate for a driver without a DUI. 

National General car insurance cost with a speeding ticket

National General customers who have a speeding ticket on their driving record pay an average of 7.96% per year for car insurance. That’s an increase of 7.96% more than the average rate without a ticket. Remember, racking up multiple tickets, or getting a single ticket for driving much faster than the legal limit, could raise your insurance costs even more.

National General car insurance rates by age

Like most insurance companies, National General factors your age into your yearly premium. Here’s a graph that shows how National General car insurance rates differ between age groups. 

National General car insurance cost for young drivers

Statistically speaking, young drivers get into more traffic accidents and rack up more violations than older drivers due to their lack of experience
Teen drivers usually see high insurance rates, but National General’s good student discount could help reduce those costs. To qualify, you must be under the age of 25, enrolled in school, and maintain a B average or better.

Where is National General insurance the cheapest?

No matter where you live, you might find competitive National General rates depending on your coverage options, age, driving record, mileage, credit score, and other factors. Here’s a table that shows what the average cost of National General car insurance is in each state.
North Dakota$1,209
West Virginia$1,306
South Dakota$1,326
North Carolina$1,413
New Hampshire$1,636
New Mexico$1,707
South Carolina$1,820
Rhode Island$1,835
District Of Columbia$2,015
New Jersey$2,109
New York$2,888
See More

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 some serious savings.
Here’s a rundown of National General’s discounts.
Defensive drivingDepending 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-theftNational General offers a discounted rate to drivers who install safety equipment such as an aftermarket alarm or surveillance camera.
DynamicDriveDrivers 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 mileageYou can qualify for reduced National General car insurance costs by subscribing to OnStar and driving less than 15,000 miles a year.
Payment optionsNational General has discounts available for drivers who sign up for paperless billing, pay their premium in full, or enroll in automatic payments.
Multi-policyTaking out more than one National General insurance policy could reduce your overall costs.
Good studentNational General has reduced rates available for drivers who are under the age of 25, enrolled in school, and maintain a B average or better.

National General auto insurance coverage options

Almost 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 which 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.

Additional products from National General

Standard coverage options aren’t the only services offered by National General. Here are some of their top insurance products.


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.


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.

National General payment options

You can pay your National General bill by logging into your account and using the QuickPay payment portal. You can also pay over the phone with a credit card or debit card by calling their customer service department at 1-888-293-5108.

Real National General reviews from Jerry customers

Check out what real Jerry users have to say about National General:
Abel Ferrer
Tha ks for ur help nd hope to keep doing business with u
Little to no hassle starting a policy and locked in my rate for 12m
National general was the most cheapest option I had with the best coverage !!
Was very convenient to sign up for new policy and I love the money I’m saving !
Angellette Salary
So I did get my insurance through Jerry and they saved me time hassle find and so much more. I have a piece of mind knowing I have the best deal possible for car insurance. Thank you Jerry !!!!
I’ve only had National General for a little less than a month but every time I have a question customer service has been able to assist me with no problem. I found this company through the Jerry app and if it wasn’t for them I would’ve never found cheaper and reliable car coverage.

Key Takeaways

  • National General offers competitive rates for high-risk drivers, especially first-time DUI offenders.
  • Drivers with clean records or lower-level violations might face above-average costs with National General.
  • A variety of available discounts can help reduce your National General premium.
  • National General gets low-to-average ratings for its customer service.

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