Jane Dotson
National General Insurance, also known as NatGen, is an Allstate subsidiary that offers a range of insurance products, including auto, homeowners, renters, and recreational vehicle insurance. The company provides coverage for high-risk drivers, such as those with DUIs, and offers perks for RV owners and drivers associated with General Motors. National General has received mixed reviews, with some customers praising its customizable coverage options and personalized approach through its independent agent network, while others have criticized its high complaint index and low customer satisfaction scores. The company's ratings vary across different platforms, with WalletHub ranking it in the bottom quartile for price, while The Zebra gives it 3.1/5 stars, and NerdWallet's rating formula gives it 3.5/5 stars.
| Characteristics | Values |
|---|---|
| Customer satisfaction | Mixed reviews, with some negative feedback |
| Customer service | Poor record |
| Cost | More expensive than other companies |
| Discounts | Available for bundling, safe driving, low mileage, good student status, paperless billing, paid-in-full plans, defensive driving courses, multi-policy, multi-vehicle, and more |
| Coverage options | Customizable, with a range of insurance products |
| Complaints | High number of complaints |
| Claims | 24-hour service available |
| App | DynamicDrive app available for managing your policy and monitoring driving habits |
| Accredited by | Better Business Bureau |
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What You'll Learn
National General's customer satisfaction ratings
National General Insurance Company offers a range of insurance products, including auto, homeowners, renters, recreational vehicles, and commercial insurance. The company also provides coverage for high-risk drivers, such as those with DUIs or other violations. National General has received mixed reviews and ratings from customers and industry experts. While some customers have expressed satisfaction with the company's coverage options and discounts, others have complained about its high rates, poor customer service, and misleading tactics.
In terms of customer satisfaction ratings, National General has received varying scores across different platforms. On WalletHub, the company is ranked in the bottom quartile in terms of price, indicating that it is one of the more expensive car insurance companies. The company has also received negative reviews on WalletHub, with some customers complaining about its poor customer service and misleading practices, such as failing to disclose substantial cancellation fees.
On the other hand, National General earned 3.5 stars out of 5 for overall performance on NerdWallet. The company was praised for its customizable coverage options, telematics program, and multiple insurance products. However, it was noted that the company has a high complaint index and low customer satisfaction scores. The Zebra gave National General 3.1/5 stars in 2025, suggesting that it is a good insurance company.
National General ranked 17th out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study for overall customer satisfaction. The company also received lower-than-average scores from J.D. Power for overall customer satisfaction and claims satisfaction. However, it is worth noting that National General's ratings may be influenced by its position as a subsidiary of Allstate, offering insurance to high-risk drivers who may have limited options.
Overall, National General Insurance has received mixed customer satisfaction ratings. While some customers appreciate the company's coverage options, discounts, and personalized approach, others have expressed dissatisfaction with its high rates, poor customer service, and misleading practices. Prospective customers are advised to consider their priorities, compare quotes, and read reviews from multiple sources before making a decision.
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National General's insurance products and services
National General Insurance, an Allstate subsidiary, offers a range of insurance products and services for individuals and businesses. The company has been serving policyholders since 1920 and is known for its affordable home and auto insurance plans, as well as its attentive customer service and quick claim resolutions.
Auto Insurance
National General provides personal and commercial auto insurance with various benefits and features. The company offers a lifetime guarantee on collision repairs at designated "Gold Medal" shops in most states. It also provides multiple discounts, such as bundling discounts for home and auto, safe-driving discounts through its DynamicDrive program, and discounts for low mileage and anti-theft features. National General also covers emergency expenses, including food, lodging, and travel, up to a daily limit of $500 after a covered claim.
Additionally, the company offers usage-based insurance through its telematics program, DynamicDrive, which monitors driving habits such as speed, braking, distracted driving, and time of day to provide personalized rates and discounts. National General provides basic coverage options, including bodily injury liability, property damage liability, uninsured/underinsured motorist, comprehensive, and collision insurance. It also offers extra coverage options like roadside assistance, accidental death and dismemberment insurance, and an auto protection plan.
Homeowners Insurance
National General offers homeowners insurance policies that protect homes and personal belongings from damage caused by fire, falling trees, theft, and more. The policy also covers medical and legal fees if a guest is injured or their property is damaged on the insured's premises. For condo owners, National General provides coverage for belongings and parts of the dwelling that the master policy might not include. The company also offers renters insurance with affordable and flexible payment plans.
Other Insurance Products
In addition to auto and home insurance, National General provides insurance for recreational vehicles, classic cars, small business autos, and Mexico insurance for cars, motorcycles, and RVs. The company also offers coverage for high-risk drivers, including those who may need an SR-22 or FR-44 form to prove they have the required insurance after a DUI or other serious violation.
Customer Service and Claims
National General allows customers to manage their policies, obtain insurance cards, file claims, and pay bills through its website and mobile app. The company provides 24-hour claims service with online chat and telephone assistance. However, some customer reviews highlight concerns about the company's customer service, including issues with the website and delays in phone support.
National General Insurance has received mixed reviews, with some customers expressing dissatisfaction with their claims handling and alleging misleading tactics by the company. The company was accredited by the Better Business Bureau in 1960 but lacks ratings from financial reporting agencies like S&P and Moody's. According to WalletHub's comparison, National General is one of the most expensive car insurance companies, ranking in the bottom quartile for price.
Overall, National General Insurance offers a range of insurance products with various benefits, discounts, and coverage options. However, customers should consider shopping around, comparing quotes, and reading reviews to make an informed decision about their insurance provider.
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National General's pricing and affordability
National General Insurance offers a range of insurance products, including auto, homeowners, renters, health, and commercial vehicle insurance. They also provide coverage for recreational vehicles and motorcycles. The company has a variety of pricing options and discounts available to its customers.
National General's auto insurance rates are based on several factors, including age, gender, coverage level, and driving characteristics. The company offers competitive rates, with prices starting at $57 per month for car insurance. Their full coverage car insurance is cheaper than the industry average, while their minimum coverage rate is slightly higher. National General also provides tailored policies for different driver profiles, including high-risk drivers, and offers discounts for safe driving habits, low mileage, and multiple vehicles. The company's DynamicDrive program uses telematics to track driving habits and offer discounts for safe behaviour.
National General's home insurance rates are also competitive. According to Bankrate, the company's annual average rate for $300,000 in dwelling coverage is $1,727, which is lower than the national average of $2,341. Home insurance rates can fluctuate, and National General offers flexible payment plans to its customers.
National General also provides a $500 emergency expense allowance to cover food, lodging, and travel expenses after a covered claim. This benefit is available to both auto and home insurance policyholders.
While National General offers competitive rates and discounts, some reviews indicate that their prices are higher than those of their competitors. The company has also received complaints about its customer service and claims handling process, with delays and unexpected denials of claims noted as common issues.
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National General's customer service and support
National General Insurance offers 24/7 claims services, which can be accessed online, via telephone, or through the company's mobile app. The company's website also allows customers to pay bills, obtain insurance cards, and file claims. National General's mobile app, DynamicDrive, provides feedback on driving habits, such as speed and braking, and offers discounts for safe driving.
National General has a high complaint index and low customer satisfaction scores. Some customers have complained about the company's reluctance to make payments, misleading tactics, and poor customer service. National General is also considered one of the most expensive car insurance companies.
Despite the complaints and higher prices, National General's unique perks and discounts make it worth considering. The company offers a variety of insurance products, including high-risk insurance for drivers with DUIs and other violations, as well as special perks for RV owners and drivers associated with General Motors. National General also provides customizable coverage options and multiple insurance products, including auto, homeowners, renters, recreational vehicles, and commercial vehicle insurance.
National General's home insurance policies are also worth considering, with the company earning a Bankrate score of 4.3 out of 5.0 due to its breadth of coverage options, discount opportunities, and replacement cost coverage benefits. The company offers three Custom360 coverage packages: Signature Home, Preferred Home, and Elite Home.
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National General's claims process and satisfaction
National General Insurance offers a variety of insurance products, including auto, homeowners, renters, and small business auto insurance. The company's website and mobile app allow customers to pay bills, obtain insurance cards, and file claims online. National General also offers a lifetime guarantee on collision repairs at designated "Gold Medal" shops and provides multiple discounts that can help lower costs.
The claims process at National General Insurance is designed to be straightforward and accessible. Customers can file a claim by phone or through their online account. The company's claims service team is available 24/7/365 to provide assistance and support throughout the claims process. National General also offers a virtual estimating service called MyClaimPics, which allows customers to take photos of their damaged vehicles and receive an initial estimate within 24 hours, eliminating the need for an on-site inspection.
While National General Insurance has been accredited by the Better Business Bureau, it has received mixed reviews from customers. Some users have praised the company for its reliable home insurance options, while others have expressed dissatisfaction with the claims process, alleging that the company is reluctant to cover expenses. There have also been complaints about the website and phone system, with some customers experiencing technical difficulties when trying to log in or facing long wait times when calling.
National General Insurance ranked 17th out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study for overall customer satisfaction. The company has also received a rating of 3.5 out of 5 stars from NerdWallet, taking into account consumer experience, complaint data, and financial strength. However, it's important to note that insurance ratings and reviews can vary across different sources, and individual experiences may differ.
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Frequently asked questions
National General Insurance is rated as a below-average insurance company on WalletHub, with 3,100+ user ratings.
National General Insurance has a rating of 3.1/5 stars in 2025 on The Zebra.
National General Insurance is not rated as one of the best car insurance companies by US News.
National General Insurance has lower-than-average J.D. Power scores for overall customer satisfaction and claims satisfaction. It ranked 17th out of 17 companies in J.D. Power's 2024 U.S. Auto Insurance Shopping Study.
National General Insurance earned 3.5 stars out of 5 for overall performance on NerdWallet.
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