National General Car Insurance in 2023: A Comprehensive Review

National General specializes in providing car insurance for drivers who might have a rocky driving history. They can offer competitive rates, especially if your driving record isn’t perfect. However, it’s crucial to be aware of the company’s high number of complaints, which is a cause for concern.

Pros & Cons

Pros

  • National General focuses on offering car insurance to drivers who are considered high-risk.
  • If your state requires an SR-22, they’ll help you get it.
  • They have a diminishing deductible, which means your deductible could get lower over time.
  • You can opt for extra coverage like new car replacement and rideshare insurance.
  • They have a program called DynamicDrive, which rewards safe driving and might reduce your rates.
  • If your car needs repairs, they provide a lifetime guarantee if it’s done at a Gold Medal Repair Shop.
  • While not perfect, their customer complaint rate is slightly better than the industry average.

Cons

  • They don’t offer gap insurance, which could be important in some situations.
  • There’s no mobile app for convenient access to your policy on the go.
  • A survey of collision repair professionals gave National General a D+ rating, indicating room for improvement in this area.

Get to Know National General Car Insurance

National General specializes in providing car insurance for drivers with a history of accidents or other issues that make it challenging to get coverage elsewhere. If you’ve had difficulties getting car insurance due to your driving record, National General is an option to consider.

Get to Know National General Car Insurance

When you choose National General for your car insurance, you can enjoy some valuable benefits. For instance, if your car needs repairs, their Gold Medal Repair shop guarantees that the repairs will last a lifetime. Additionally, if you ever find yourself stranded because of an issue covered by your policy, they offer an emergency expense allowance of up to $500 to cover food, lodging, and travel expenses.

Founded in 1920, National General provides various types of insurance, including auto, home, motorcycle, and umbrella insurance. The company is headquartered in New York City and works with a network of over 55,000 independent agents across the country to sell insurance. In 2021, National General became part of the Allstate family.

Coverage and Features of National General Car Insurance

National General offers a variety of car insurance types, including:

Coverage and Features of National General Car Insurance

Liability Car Insurance

This is a must in most states and covers injuries and damage you accidentally cause to others. It also takes care of legal expenses, settlements, and lawsuit costs if you’re sued after an accident.

Comprehensive Insurance

If your car is damaged by things like hail, theft, fire, or accidents with animals, this insurance pays for repairs or a replacement. It also covers the car’s actual value, minus your deductible, if it’s totaled.

Collision Insurance

This one handles the repair or replacement costs following an accident, regardless of who’s at fault. It even covers accidents with stationary objects, such as guardrails or trees. Usually, collision and comprehensive insurance are sold together, especially if you’re financing or leasing your car.

Uninsured/Underinsured Motorist

If a driver without proper insurance crashes into you, this covers your medical bills and other expenses. Some states make it mandatory, while in others, it’s optional.

Personal Injury Protection (PIP)

PIP covers medical costs for you and your passengers, regardless of fault. Its requirement varies by state.

Medical Payments Insurance:

Also known as “MedPay,” this covers medical bills for you and your passengers, regardless of fault. It’s typically available in small amounts ranging from $1,000 to $5,000 and might not be available in all states.

In addition, National General offers some extra benefits:

  • DynamicDrive: This program monitors your driving habits and can offer discounts based on your safe driving.
  • Emergency Expense Allowance: In the event of a covered car insurance claim, National General provides up to $500 to cover food, lodging, and travel expenses.

How Much Does National General Car Insurance Cost?

National General offers car insurance at competitive rates, but the exact cost you’ll get depends on your specific situation. To give you an idea, here are the average annual car insurance expenses for different types of drivers in California.

How Much Does National General Car Insurance Cost?

National General Car Insurance Cost for Good Drivers

For safe drivers, National General’s rates are attractive. But it’s always a good idea to compare with others as well.

CompanyAverage annual cost for good drivers in California
Geico$1,721
Progressive$2,118
National General$2,358
Allstate$2,369
State Farm$2,728

The cost of National General car insurance for drivers with a speeding ticket.

National General provides favorable rates for drivers who have received a speeding ticket, as per our analysis of insurance companies.

CompanyAverage annual cost in California for drivers with a speeding ticket
National General$2,471
Geico$2,537
Progressive$3,283
Allstate$3,447
State Farm$3,978

The cost of National General car insurance for drivers involved in an accident resulting in injury.

Following a car accident where someone is injured, insurance rates can significantly rise. In California, National General’s average rate increases to nearly $3,500 annually after an at-fault accident. However, this is still more than $2,000 per year cheaper than Allstate’s rates in the state.

CompanyAverage annual cost in California for drivers who caused an accident with an injury
Progressive$3,471
National General$3,496
Geico$3,933
State Farm$5,193
Allstate$5,577

The car insurance cost from National General for drivers with a DUI.

Having a DUI on your record can lead to significantly higher car insurance rates. However, when compared to our analyzed competitors, National General offers favorable rates for drivers with a DUI.

CompanyAverage annual cost in California for drivers who caused an accident with an injury
National General$3,231
Geico$4,040
Progressive$4,220
Allstate$7,831
State Farm$8,304

Methodology

The rates are calculated for a 40-year-old female driver with a spotless driving history. She’s insuring a new Toyota RAV4 with specific coverage, which includes:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability
  • Uninsured motorist coverage
  • Collision insurance
  • Comprehensive insurance with a $500 deductible
  • Any additional coverage mandated by the state.

Complaints About National General Auto Insurance

National General receives a slightly lower number of auto insurance complaints compared to the average in the industry. This data is based on complaints reported to state insurance departments across the country.

Rating by Auto Repair Experts: D+

In a survey conducted by CRASH Network among collision repair professionals, National General received a grade of D+. This survey relied on the perspectives of auto body experts who assess how insurance companies handle the use of lower-quality repair parts, the efficiency and satisfaction of the claims process for customers, and whether insurers promote the use of repair methods recommended by car manufacturers.

Understanding National General’s Car Insurance Coverage

National General offers several coverage options, including new car replacement, SR-22s, and a diminishing deductible for accident-free drivers. However, they do not provide accident forgiveness, gap insurance, or pay-per-mile insurance.

Accident Forgiveness

National General does not offer accident forgiveness. This type of coverage prevents your premium from increasing after an at-fault accident.

New Car Replacement

National General does offer new car replacement insurance. This optional coverage replaces your car with a current model year or a new car if it’s totaled in a covered accident. If your car is up to three years old, they replace it with a new one. For cars four to 15 years old, they replace it with a model one year newer and 20,000 fewer miles.

Gap Insurance

National General does not sell gap insurance. Gap insurance covers the difference between what you owe on your loan or lease and your car’s depreciated value if it’s totaled in a covered incident.

Diminishing Deductible

National General offers a diminishing deductible. You receive a $100 credit toward your deductible for every 12 months without a claim, up to $500. For example, if you have a $500 deductible and go a year without a claim, your deductible drops to $400 for a collision or comprehensive insurance claim.

SR-22s

National General provides SR-22 insurance forms to your state. This document proves you have car insurance, which may be required for various reasons, including DUI convictions or a history of traffic offenses.

Usage-Based Insurance

National General offers usage-based car insurance through its DynamicDrive program. This program tracks your driving habits, and participating can earn you an immediate discount of up to 10%.

Pay-Per-Mile Insurance

National General does not offer pay-per-mile car insurance. Pay-per-mile insurance typically involves a monthly or daily base rate and a per-mile charge, suitable for low-mileage drivers.

Rideshare Insurance

National General offers rideshare insurance, which bridges the gap between your rideshare company’s insurance and your personal car insurance if you drive for services like Lyft or Uber.

Discounts Offered by National General

National General offers various discounts to help you save on your car insurance:

  • Bundling Discount: Save when you bundle your car insurance with National General home insurance.
  • Low-Mileage Discount: If you don’t drive a lot, you can get a discount.
  • Multi-Vehicle Discount: Insure more than one vehicle with National General to enjoy savings.
  • Paperless Discount: Opt for paperless communication and receive a discount.
  • Pay in-Full Discount: Pay your premium all at once and receive a discount.
  • Safe Driver Discount: If you have a good driving record, you’ll be eligible for this discount.
  • Security Device Discount: Get a discount if you have security devices installed in your vehicle.

Exploring Additional Insurance Options from National General

In addition to offering car insurance, National General provides a range of insurance options, including:

  • Commercial Auto Insurance
  • Condo Insurance
  • Dental Insurance
  • Flood Insurance
  • Homeowners Insurance
  • Motorcycle Insurance
  • Renters Insurance
  • RV Insurance
  • Short-Term Medical Insurance
  • Supplemental Health Insurance
  • Umbrella Insurance

Conclusion

In summary, National General Car Insurance in 2023 specializes in helping high-risk drivers with competitive rates. While they offer some valuable benefits like lifetime repair guarantees and safe driving rewards, it’s important to note their above-average complaint rate. They provide a range of coverage options, including liability, comprehensive, and collision insurance, and offer competitive pricing for various driver profiles. National General also extends its insurance offerings beyond car insurance. So, while it can be a suitable choice for some, it’s advisable to compare options and consider your specific needs before making a decision.

Frequently Asked Questions about National General

How to File a Claim with National General?

Filing a claim with National General is usually a straightforward process. You’ll need to provide some information to your insurance company to get started. This includes details about the people involved in the incident, vehicle and driver information if you’re reporting a car accident. The claims agent will likely ask for a description of the incident and may require supporting documents like a police report. Once you have all the necessary details, you can file a claim with National General through the claims line at 1-800-468-3466, the online claims portal, or by contacting the claims chat.

Is National General a Sustainable Company?

While National General’s website doesn’t provide much information about its social responsibility, its parent company, Allstate, appears to be committed to making a positive impact on communities. Allstate is involved in various charitable partnerships, such as the Allstate Foundation, which promotes social and emotional learning in classrooms, provides resources for those affected by domestic violence, and advocates for racial equity by supporting fair wages and increasing access to growing industries.

Is National General Owned by Allstate?

Yes, National General was acquired by Allstate in a $4 billion deal in January 2021.

What’s the Phone Number for National General Insurance?

National General has two 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 call the claims line at 1-800-468-3466. If you’re interested in an insurance quote, you can contact National General at 1-800-462-2123.

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