National General: Overview

Based in Winston-Salem, National General has been providing coverage since 1920.

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About National General

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.

National General Facts & Ratings

Year Founded1920
Financial StrengthExcellent
Market Share1.05%
A.M. BestA-
BBB RatingA+
NAIC Complaint Ratio6.08

National General Mobile App Rating

National General does not currently have a mobile app.


Pros & Cons of 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
  • Slow claim process, according to customer’s reviews

Common Questions about National General

What does National General auto insurance cover?

National General auto insurance includes the following coverages: Bodily Injury Liability, Property Damage Liability, Collision, Comprehensive, Medical Payments, Uninsured and Underinsured, Motorist Coverage, Personal Injury Protection.

How to save on car insurance with National General?

National General offers a variety of discounts options to help lower your auto insurance premium, as per listed below: Paid-in-Full Discount, Multi-Vehicle Discount, Safe-Driver Discount, RVs and autos on one convenient policy, Motorcycle Discount, Low Mileage Discount, Affinity Discount, Multi-Policy Discount, Paperless Discount, Anti-Theft Discount, AutoPay Discount.

What is the National General insurance cancellation fee?

To cancel your policy with General Insurance you should call the customer service or contact your agent. Cancellation of a policy before the term expiration date may incur a cancellation fee.

Does National General insurance cover towing?

If your car is disabled, National General Insurance offers optional roadside service and towing to a repair facility, or delivery of gas (but not the cost of the gas) for any covered vehicle up to the limit specified. It also provides complimentary towing and storage for all covered vehicles in the case of an accident.

What does the National General home insurance cover?

National General home insurance offers affordable and comprehensive homeowner coverage, such as: Guaranteed and Extended Replacement of Your Home: this coverage guarantees that you’ll get your home back in the event of a total loss, even if the cost of repairs is more than the original value of your home. Restore with Sustainable Materials: this type of coverage option allows for up to $50,000 of coverage to build your home with environmentally friendly material. Coverage for Belongings Beyond the Home: this coverage protects your belongings such as jewelry, watches, trailers and more. Protecting Your Identity: the company provides a free Identity Theft 911® service which will help you with the process of restoring your good name. It also offers Identity Theft Expense Reimbursement Coverage, which pays up to $15,000 for certain expenses related to identity restoration.

Does National General homeowners insurance cover flood?

National General offers Flood Insurance, which is specialized insurance and requires a separate policy. It protects you in the event of natural disasters, whether a federal disaster is declared or not. It offers the following coverage options: Flood insurance covers the structure values, minus the land value, up to $250,000. Contents coverage: This optional coverage must be requested in addition to flood coverage. Limits are available up to $100,000, to cover the contents of your home.

How can I save with National General home insurance?

National General home insurance offers the following discount options: 

  • Age of Home
  • Auto Companion
  • Auto/Home Account
  • Claim Free
  • College Education
  • Gated Community
  • Home Buyer
  • Homeowners Association
  • Insurance to Value
  • Prime Time
  • Protective Devices
  • Superior Construction
  • and more...

What is the National General insurance rating?

National General Insurance has a financial strength rating of A– (excellent) from A.M. Best and A+ from Better Business Bureau Rating.

What does the National General business insurance cover?

The National General business insurance protects your business with General Liability, Business Owners, Professional Liability (E&O)(D&O), Workers' Compensation, Employment Practices Liability Insurance (EPLI), Commercial Umbrella, Commercial Property, Commercial RV, Cargo Coverage, and Liquor Liability Insurance.

How big is National General Insurance?

National General Insurance is a big company and has around 7,570 employees. The company holds a 1.05 percent market share in the U.S. auto insurance market with $2,236,697 in direct written premiums placing in 17th out of 25 in U.S. auto insurers ranked by market share.

What are some benefits National General insurance has for business owners?

National General’s Small Business Auto Insurance offers the following benefits: Covers a wide range of vehicle types including flatbed trucks, box trucks, pickups, company cars and more. Dedicated small business auto insurance specialists, who will help you to choose the best insurance coverage, so you can save money and time. Collisions repairs made at any of the company's Gold Metal Repair Shops are guaranteed for the lifetime of the vehicle (s). A host of discounts including occupational, affiliation and transfer discounts and more. Claim service satisfaction guarantee or the company will waive your deductible, up to $250.

What does National General health insurance cover?

National General offers short-term health insurance. A short-term plan can be purchased at any time of the year if your state allows this kind of plan. National General short-term plans only provide coverage for some of the essential benefits, including doctor visits, preventive care, hospital care, ambulance coverage, and surgery. It won’t provide coverage for normal pregnancy, prescription medications, and pre-existing conditions.

Where is National General insurance accepted?

National General Insurance is accepted in all 50 states across the United States.

Is National General health insurance good?

National General health insurance is a good choice for short term plan and it’s one of the most affordable and flexible options.

What is the National General insurance reviews?

In J.D. Power’s 2017 Auto Insurance Study, National General insurance ranked 11 out of 15 insurers surveyed in the Southeast Region. It scored about average for overall customer satisfaction, billing, pricing and policy offerings.

National General Insurance Products

Auto InsuranceMotorcycle Insurance
RV InsuranceHomeowners Insurance
Renters InsuranceCondo Insurance
Small Business Auto InsuranceHealth Insurance
Mexico InsuranceBusiness Insurance

National General Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments.

This type of protection will cover you if you’ve been injured in an accident, regardless of who’s at fault.

Personal Injury Protection (PIP)

This protection pays for medical expenses for injuries to the driver and any passengers in your vehicle, regardless of who is at fault. Lost wages, lost service and funeral expenses may be covered as well. This coverage is not available in all states.

Additional equipment coverage

You can tweak your policy to add modification coverage for custom wheels, roll bars, spoilers and so on.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Discounts

Paid-in-Full DiscountMulti-Vehicle Discount
Safe-Driver DiscountRVs and autos on one convenient policy
Motorcycle DiscountLow Mileage Discount
Affinity DiscountMulti-Policy Discount
Paperless DiscountAnti-Theft Discount

National General Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with National General. On average, National General charges approximately $190.90 per month. The cheapest state average is at $137.83 per month followed by Texas at $190.92 per month. The most expensive state average is Texas at $190.92 per month.

State Avg monthly rate
TX $190.92
State Avg monthly rate

National General Auto Insurance Rates by Vehicle

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

Number of Vehicles Avg Monthly Rate
1 Vehicle $184.72
2 Vehicles $206.39
5 Vehicles $218.25
3 Vehicles $277.73
4 Vehicles $340.84
6 Vehicles $438.58

National General Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average National General charges $178.08 per month for drivers who own their home and $197.79 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $178.08
Rent $197.79

National General Contact Info

Address5620 University Pkwy, Winston-Salem, North Carolina 27105
Phone1-888-293-5108
Websitehttp://www.nationalgeneral.com/
Facebookhttps://www.facebook.com/NationalGeneralInsurance/
Linkedin https://www.linkedin.com/company/national-general-insurance/

Methodology
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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