Pemco vs. National General Insurance

Which insurance provider is right for you? Compare discounts, insights, and quotes from Pemco and National General.

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Pemco vs. National General: What You Need to Know

Pemco was founded in 1949 by Robert J. Handy, a Seattle journalism and math teacher. He had at first envisioned insuring teachers, who were members of the Seattle Teachers Credit Union which he founded in 1939 (it later became the School Employees Credit Union of Washington). He wanted to “create a financial institution with a heart.” Handy was also working for an insurance agency, which enabled him to sell auto insurance to educators who came to the credit union to secure car loans.

National General Insurance, formerly GMAC Insurance Group, is the only one in the United States to be founded within the automotive industry. The company’s history began in 1920, in North Carolina, when Integon, a life insurance company, was founded: One part of the company became National General Insurance and the second was Motor Insurance Company, founded in 1925, by General Motors. In the year 1969, Integon started a holding company and began insuring high-risk drivers and by 1997, the company was acquired by GMAC. By 2013, GMAC changed its name to National General Insurance. Today, the National General Insurance Group is one of the largest automobile insurers in the United States, offering a variety of property and casualty products. The company operates and sells its insurance products through over 10,000 independent agents and brokers across the US.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit PEMCO Overview and National General Overview.

PEMCO vs. National General: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with PEMCO and National General. On average, PEMCO charges approximately $89.44 per month while National General comes in at around $259.66 per month. For PEMCO, the cheapest state average is Washington at $89.44 per month and the most expensive is Washington at $89.44 per month. For National General, the cheapest state average is Pennsylvania at $0.00 per month and the most expensive is Connecticut at $478.54 per month.


Average Rate

National General

Average Rate


Average Rate

State PEMCO National General
Alabama- $169.78
California- $254.55
Connecticut- $478.54
Florida- $265.52
Indiana- $0.00
North Carolina- $44.32
Pennsylvania- $0.00
Tennessee- $66.34
Texas- $300.08
Washington $89.44 -

PEMCO vs. National General: Rates by Number of Vehicle


Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that PEMCO and National General typically charge for drivers who have more than 1 vehicle.

Number of Vehicles PEMCO National General
1 Vehicle $86.59 $250.48
2 Vehicles $ $283.09
3 Vehicles $ $618.69

PEMCO vs. National General: Rates by Homeownership

Rates Are Not Currently Available

What is Pemco and National General Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Pemco and National General ranked among the industry ratings.

ComparisonPemcoNational General
Year Founded19491920
Market Share3.8%1.05%
A.M. Best RatingB++A-
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD PowerAmong the Best
NAIC Complaint Ratio6.08

Pemco or National General: Insurance Products Offered

What coverage is available through Pemco and National General? Both insurance companies offer Auto, Condo, Home, Motorcycle, Renters, and RV insurance. Additional products from National General insurance also includes Commercial and Health insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit PEMCO and National General Insurance page.

InsurancePemcoNational General
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Pemco or National General: Ways To Save

National General offers a wide range of discounts to its policyholders, including Anti-Theft, Low Mileage, and Motorcycle discounts. In contrast, Pemco also offers a few discounts that National General doesn’t, including University of Washington Alumni, Safety/Security Feature, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like National General and Pemco insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

PemcoNational General
Accident Forgiveness BenefitAffinity Discount
Advance Purchase Discount (for new business)Anti-Theft Discount
Auto Plus Home DiscountLow Mileage Discount
Defensive Driver DiscountMotorcycle Discount
Distant Student DiscountMulti-Policy Discount
Educator DiscountMulti-Vehicle Discount
Good Student DiscountPaid-in-Full Discount
Homeownership DiscountPaperless Discount
Life Insurance (only for members of the teacher’s credit union)RVs and autos on one convenient policy
Low Mileage DiscountSafe-Driver Discount
Loyal Auto Customer Discount
Minor Ticket Forgiveness Benefit
New Vehicle Discount
Paid in Full Discount
Safety/Security Feature Discount
University of Washington Alumni Discount

Pros & Cons of Pemco & National General


  • PEMCO was ranked amongst the best by JD Power.
  • Positive reviews from customers
National General
  • National General Insurance is available in all 50 states in America.
  • Offers 24/hour claims service
  • Flexible payment options
  • Extensive discounts and services



National General
  • Slow claim process, according to customer’s reviews

Pemco or National General Mobile Apps Options

The Go PEMCO app connects you to your PEMCO policy no matter where you are. You have access to vehicle insurance ID cards, your policy, and discounts. You can also make changes to your policy, view documents and bills and pay your bill. Local repair shops are listed for you too.

Pemco Mobile App
iOS     3.65 user reviews
Android     4.368 user reviews
National General Mobile App
National General does not currently have a mobile app.

Pemco & National General Contact Info

Pemco Contact Info
Address1300 Dexter Avenue N. Seattle, WA 98109-3571
Phone1 (800) 467-3626
National General Contact Info
Address5620 University Pkwy, Winston-Salem, North Carolina 27105

The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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