National General Car Insurance Review [2024]

What You Should Know About National General Insurance Company (Integon)

When comparing car insurance, you may find it difficult to know which company to choose, especially if you have difficulty finding coverage based on your driving record. Certain insurance companies may not offer coverage or will increase your rates if you have a poor driving record and are considered high risk. Fortunately, National General Insurance Company offers affordable car insurance to high-risk drivers. If you have infractions on your driving record, you may want to consider National General. The company specializes in minimum coverage policies, and you may get car insurance with National General for less than other companies in your area. Before you choose National General as your auto insurance company, compare National General auto insurance quotes with other options to see which offers the best coverage at a low price. Learning how to get car insurance that works with your budget and meets your needs as a driver is important. You can find and compare policies and rates as you shop online to learn what might work best. National General is a good car insurance company, but it does have room for improvement. For instance, the company's customer service and rate structure are two areas many National General customers state need to change. In terms of rates, National General's auto insurance rates are much higher than rates from other companies. For example, a minimum coverage policy for a 35-year-old female may cost two or even three times as much with National General as it would with a company like Geico. National General also garners a significant number of complaints. According to the NAIC, National General receives customer complaints nearly double the national average for a company of its size. Still, the National General insurance rating with A.M. Best is an A+ (Superior) regarding the company's financial strength. Because National General does not have a mobile app, the company loses the interest of certain potential policyholders. It offers a usage-based program for auto insurance, but monitoring is outsourced to a third-party app called Routely. If National Generals need to file a claim or make payments, they must do so on the National General website or over the phone.

What makes National General unique?

National General offers savings for people who want to save money when they purchase multiple policies. For example, the company allows individuals who insure both a car and an RV with the company to save as much as 20% on their monthly or annual rates. Additionally, if you're in an accident and your RV and car are damaged, National General will waive one deductible when it's time to make repairs. While other insurance companies are unwilling to do so, National General files SR-22 forms for those needing them. The company may charge a small fee, but people who must file an SR-22 may be happy to do so to receive proper coverage. National General's relationship with General Motors allows the company to offer affiliation rates. Because National General was previously the Motors Insurance Company founded by General Motors, National General offers discounts to individuals with affiliations with General Motors. National General also offers SmartServices, a program allowing policyholders to manage the repair process following a covered event. One feature of SmartServices is SmartValet. For example, with SmartValet, someone will pick up your vehicle after a covered event, bring you a rental, and return your car and the rental vehicle once repairs are done.

How does National General handle claims?

Reviews for the company's claim-handling process are mediocre. In addition, most customers complain about National General's poor customer service. However, National General does try to process claims as quickly as possible, and the company pays most small claims within 48 hours of a settlement. Customers complain about the company's claims service, but these complaints are not as common as those about National General customer service.

National General Insurance Company (Integon) Insurance Coverage Options

National General offers the following standard options regarding car insurance coverage:

• Property damage liability
• Bodily injury liability
• Personal injury protection (PIP)
• Medical Payments (MedPay)
• Collision coverage
• Comprehensive car insurance
• Uninsured/underinsured motorist coverage

In addition to these standard coverages, National General offers add-on coverage options designed to help policyholders customize their car insurance policies. Some of the company's most popular add-on coverage options include:

• Rental reimbursement
• Roadside assistance
• Locksmith services
• Accidental death and dismemberment coverage
• Auto protection plan
• Mexican car insurance

National General may be a great fit if you're interested in customizing your auto insurance policy. Add-ons can help you feel safe and protected when you get behind the wheel.

Does National General offer additional coverage benefits?

In addition to the company's standard and add-on coverage options, National General offers the following benefits when you purchase a policy with the company:

• Emergency services
• Lifetime guarantee on repairs
• Guaranteed claims service satisfaction

National General offers specific perks to its policyholders. If these perks stand out, speak with a company representative to learn more about your coverage options. Read more: Car Subscription Services: A Comprehensive Guide

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National General Insurance Company (Integon) Insurance Rates Breakdown

National General is not among the best car insurance companies for people with speeding tickets. It charges nearly $100 more per month than the national average for car insurance. In addition, rates with National General are more expensive than any other company on this list and nearly double the cost of Geico and State Farm. 

How much does National General cost after a car accident?

You will pay more for insurance if you're in a car accident — even a minor accident will increase car insurance rates. Your insurance rates will go up significantly if you're at fault in an accident, and National General car insurance rates may be significantly higher than with other insurance companies. National General rates for people with an accident on their driving record are around 28% higher than the national average. People with one or more at-fault accidents on their record will pay nearly $150 more for coverage with National General than with State Farm. Learn more about car accident statistics and insurance rates.

Can I get National General with a DUI?

A DUI is a serious offense, and many car insurance companies will not offer coverage to people if they have a DUI or DWI on their record. Fortunately, National General offers coverage to individuals with a DUI. Do you need DUI car insurance? If you buy National General car insurance with a DUI on your record, you will only pay $200 more per month than the national average. State Farm and Nationwide both offer monthly rates at $300 less per month, so you should shop around for more affordable DUI insurance before

National General Insurance Company (Integon) Discounts Available

If you need car insurance discounts, National General policyholders may be eligible for multiple savings opportunities on coverage. Some of the best car insurance discounts National General offers include:

• Paid-in-full discount
• Multi-vehicle discount
• Safe driver discount
• RV and auto discount
• Motorcycle discount
• Multiple line discount
• Paperless discount
• Military discount
• Anti-theft discount
• Auto-pay discount
• Low mileage discount

Discounts with National General could help you save up to 25% on your car insurance rates. In addition, certain discounts — like military car insurance discounts — can help you save significantly on car insurance coverage. Similarly, National General offers discounts to people who purchase car and RV insurance with the company. When you purchase multiple policies, you're more likely to pay lower rates for coverage. You can contact the company and ask about your options if you own more than one vehicle, car, or an RV. In addition to the discounts listed above, National General offers specific discounts to people affiliated with General Motors. You may qualify for a General Motors car insurance discount if you meet one or more of the following criteria:

• Have a GM card or a mortgage or auto financing through GMAC 
• Have an OnStar subscription and low mileage on your vehicle
• If you work for or were formerly employed by GM
• Are employed by a supplier that works for GM

You can call and speak with a National General representative to learn more about the auto insurance discounts you qualify for and how much you could save.

How National General Insurance Company (Integon) Ranks Among Providers

While National General offers coverage to high-risk drivers and other individuals who may have difficulty finding insurance with a standard company, car insurance rates with National General are often more expensive than the competition.  Compare National General car insurance quotes below for different coverage options and demographics. Use this information to see how National General stacks up vs. the best high-risk car insurance companies.

How much is minimum coverage with National General?

A minimum coverage policy, or basic car insurance, is the cheapest car insurance you can get in your state. With minimum coverage, you're protected if you cause damage to a vehicle or if you injure another person. Still, minimum coverage does not help with repairs to your vehicle. Compare minimum coverage car insurance rates below: [table id=6716 responsive=scroll/] With National General, you'll pay rates around 20% higher than the national average. Additionally, minimum coverage with National General is around $80 more monthly than with Geico, costing more than $1,000 annually. 

How much is full coverage with National General?

A full coverage policy includes collision and comprehensive coverage. With collision, your vehicle is protected if you are at fault in an accident and your vehicle is damaged. Comprehensive coverage helps if your vehicle is damaged by something other than an accident, like inclement weather, wild animals, or vandalism. Learning the pros and cons of basic car insurance before you purchase a policy is important. For example, full coverage protects your vehicle if you're in an accident, and you won't have to pay for repairs. You should consider purchasing a full coverage policy if you can afford to do so because minimum coverage may result in more significant out-of-pocket expenses. Compare National General vs. the largest companies by market share for full coverage car insurance: [table id=6660 responsive=scroll/] Full coverage with National General costs around $60 more monthly than the national average. Full coverage rates are all cheaper with Geico, State Farm, and Nationwide. Farmers and Liberty Mutual charge more for full coverage car insurance than National General.

How much is teen car insurance with National General?

Teen drivers pay more for car insurance than any other demographic because they lack experience. As a result, most car insurance companies see teen drivers as more of a risk when filing a claim. Compare teen car insurance rates below: [table id=109 responsive=scroll /] How much is car insurance for a 16 year old? National General's auto insurance rates are often higher than rates with other companies, and 16-year-old drivers pay around $612 per month. Car insurance with National General is 35% higher than the national average for women and 27% higher for men. In addition, teen car insurance with National General is more expensive than coverage with companies like USAA, Geico, and Allstate.

How much is National General car insurance for young adults?

Once you hit your mid-20s, you will pay less for car insurance. Still, rates for young adults can fluctuate based on gender, driving record, car make and model, location, and more. Young adult insurance rates are listed by company below: [table id=6997 responsive=scroll/] Young adults pay five to 6% more for car insurance with National General than the national average. In addition, rates are as much as $50 more per month than those with other insurance providers.

How much do adults pay for National General coverage?

Adults often pay the least for coverage with National General. With a clean driving record and good credit, you can expect lower rates as an adult with most car insurance companies. National General rates range from five to 7% above the national average. However, many companies charge lower rates for coverage. Before you choose National General, you should find and compare quotes from other insurance companies in your area. Comparing quotes will help you learn whether National General offers the best options.

How much is National General for senior drivers?

Senior drivers occasionally pay more because insurance companies see them as more of a risk when filing a claim. If you are 65 or older, you may pay more for car insurance with National General or other insurance companies because of your age. Compare car insurance quotes for seniors in the table below: [table id=7001 responsive=scroll/] Senior drivers pay anywhere from six to 9% more than the national average for a policy with National General. In addition, monthly car insurance for seniors with National General costs double than coverage with Geico.

How much is National General after a speeding ticket?

If you have a speeding ticket on your driving record, you can expect to pay higher rates for car insurance. Speeding tickets can raise your rates significantly because insurance companies assume you are at a higher risk of filing a car insurance claim. Find affordable car insurance after a speeding ticket by comparing rates in the table below: [table id=6710 responsive=scroll/] National General is not among the best car insurance companies for people with speeding tickets. It charges nearly $100 more per month than the national average for car insurance. In addition, rates with National General are more expensive than any other company on this list and nearly double the cost of Geico and State Farm. 

How much does National General cost after a car accident?

You will pay more for insurance if you're in a car accident — even a minor accident will increase car insurance rates. Your insurance rates will go up significantly if you're at fault in an accident, and National General car insurance rates may be significantly higher than with other insurance companies. See how an accident affects car insurance rates from major companies in the table below: [table id=6998 responsive=scroll/] National General rates for people with an accident on their driving record are around 28% higher than the national average. People with one or more at-fault accidents on their record will pay nearly $150 more for coverage with National General than with State Farm. Learn more about car accident statistics and insurance rates.

Can I get National General with a DUI?

A DUI is a serious offense, and many car insurance companies will not offer coverage to people if they have a DUI or DWI on their record. Fortunately, National General offers coverage to individuals with a DUI. Do you need DUI car insurance? Compare rates in the table below before you buy: [table id=6999 responsive=scroll/] If you buy National General car insurance with a DUI on your record, you will only pay $200 more per month than the national average. State Farm and Nationwide both offer monthly rates at $300 less per month, so you should shop around for more affordable DUI insurance before buying a policy from National General. 

Does poor credit affect my National General rates?

You may pay more for car insurance coverage if you have bad credit. Because of a correlation between low credit and an increase in car insurance claims, many companies charge more for coverage if you have a poor credit score. Compare National General car insurance rates by credit score to see how it compares: [table id=7000 responsive=scroll/] Car insurance with National General costs around 7% more than the national average. Still, you'll pay around $1,100 more annually for car insurance with National General than with Geico. However, National General rates are cheaper than Allstate, State Farm, and AAA rates.

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