National General Car Insurance 2026 — Ultimate Review, Coverage & Pros/Cons

Azka Kamil
By -Azka Kamil
February 04, 2026
0

Comprehensive 2026 review of National General car insurance. Explore coverage options, pros and cons, rates, customer satisfaction, and tips to decide if it's the right auto insurance for you.

National General Car Insurance (2026 Ultimate Review): Coverage, Pros & Cons, and Buying Guide

National General Car Insurance is a widely recognized auto insurer in the United States offering coverage for drivers who might struggle to get policies from top carriers. This comprehensive review covers its rates, customer experience, coverage options, strengths, weaknesses, FAQs, and how to decide whether it’s right for you. We also link to expert resources and share tips for maximizing savings from your insurance purchase.

National General Car Insurance
National General Car Insurance


📌 What Is National General Car Insurance?

National General is a U.S. auto insurer providing coverage nationwide through online quotes and a network of 55,000+ independent agents. It serves standard and non‑standard drivers including those with violations, DUIs, or credit issues. Beyond auto insurance, it underwrites RV, motorcycle, homeowners, renters, flood, and umbrella policies. (AutoInsurance.com)

National General is backed by Allstate, one of the largest insurance companies in the country, which gives it strong financial backing and the ability to pay claims even in difficult economic periods. (Bankrate)

🧠 Expert Pros & Cons — What You Need to Know

✅ Pros (Strengths)

🚫 Cons (Weaknesses)

  • Customer Service Challenges: Strong evidence from industry reviews and complaint indexes shows customer service and claims satisfaction is frequently below average. (Trustpilot)

  • Claims Delays & Complaints: Many policyholders report delays, disputes over claims, long hold times, and poor communication. (Trustpilot)

  • Mixed Digital Experience: Mobile app and online features have mixed reviews with usability complaints. (MoneyGeek.com)

👉 EEAT Tip: For editorial integrity, clearly disclose both positive and negative findings and link to authoritative sources like Bankrate or MoneyGeek.

💵 How Much Does National General Car Insurance Cost?

Car insurance premiums vary widely based on age, driving history, location, and coverage level, but available data suggests:

Coverage TypeNational Average Cost
Full Coverage~$215 monthly / $2,575 yearly (NerdWallet)
Minimum Liability~$54–$97 monthly (MoneyGeek.com)

💡 Affordable Drivers: National General can be cheaper than average for high‑risk drivers (e.g., with DUIs or speeding tickets). (FinanceBuzz)

📊 Customer Satisfaction & Industry Ratings

Industry Studies Say

  • Below‑Average Satisfaction: Low scores in J.D. Power auto claims and shopping studies compared to competitors. (Bankrate)

  • Above‑Average Complaints: National Association of Insurance Commissioners (NAIC) complaint ratings are higher than typical insurers. (AutoInsurance.org)

  • AM Best Financial Strength: Rated strong financially, signaling good ability to pay claims. (Bankrate)

Real Customer Reviews

Independent platforms show a mix of positive and negative experiences — from competitive pricing to significant complaints about claims handling. (Trustpilot)


📋 National General Coverage Options

National General offers the standard coverages expected of a U.S. auto insurer:

  • Liability Coverage

  • Collision & Comprehensive

  • Medical Payments / PIP

  • Uninsured / Underinsured Motorist

  • Optional Add‑Ons: Gap insurance for leased vehicles, mechanical breakdown coverage, emergency expense allowance. (Bankrate)


🧩 Who Should Consider National General Insurance?

Best Fit For:
✔ High‑risk drivers needing coverage
✔ Drivers in states with limited options
✔ Drivers who prioritize price over service

Not Ideal For:
✘ Drivers who want top‑tier customer service
✘ Those who rely on robust digital tools for claims
✘ Drivers who value fast claims payouts


🛠 Tips to Save on Car Insurance

Here are proven strategies for lowering your premium:

  1. Bundle Policies: Combining auto & home insurance often reduces costs. (Link to internal insurance bundling article)

  2. Increase Deductibles: High deductibles can lower monthly rates.

  3. Maintain Good Driving Record: Clean record yields lower premiums.

  4. Use Telematics Programs: If available, apps like DynamicDrive® can lower rates for safe driving. (NerdWallet)

🔍 Frequently Asked Questions

Is National General Insurance Legitimate?

Yes. It operates legally in all U.S. states and has financial strength backing, but the quality of service varies by region and claims experience. (Bankrate)

Do They Offer SR‑22 Filing?

Yes. National General offers SR‑22 and documentation for high‑risk drivers. (Bankrate)

How Do I Get a Quote?

You can get a quote online or through an independent insurance agent. (Place affiliate quote form here.)

📌 Final Thoughts — Is National General Worth It?

National General can be a strong option for drivers who struggle to get accepted by mainstream insurers or need special filings like SR‑22. Its affordability for high‑risk drivers and wide availability are key advantages. However, customer satisfaction and claims service issues are documented challenges across multiple independent review platforms. (Trustpilot)

👉 The best approach is to compare National General against top competitors (e.g., Progressive, GEICO, State Farm) before purchasing — and use your affiliate links and tools to help users find personalized quotes.

📎 External Resources (Authority Signals)


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