{"id":323937,"date":"2025-11-10T16:05:15","date_gmt":"2025-11-10T21:05:15","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=139102"},"modified":"2025-11-10T16:05:15","modified_gmt":"2025-11-10T21:05:15","slug":"national-general-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/national-general-review\/","title":{"rendered":"National General Auto Insurance"},"content":{"rendered":" <\/span>\n \n\n\n

National General Auto Insurance Review<\/h2>\n\n\n\n

National General Insurance, formerly owned by General Motors, came directly from the automotive industry<\/a> and is now part of Allstate. Previously GMAC Insurance, it rebranded<\/a> as National General Insurance and has historically promoted substantial discounts<\/a> for GM\u2011affiliated customers. Separately, GM maintains recognition programs for vehicle buyers, including Military Appreciation<\/a>, First Responder<\/a>, Educator<\/a>, and College<\/a> offers that require verification and an authorization number.<\/p>\n\n\n\n

National General may not provide the best auto insurance coverage for everyone. As of late 2025, it does not publicly advertise a consumer rideshare endorsement for Uber or Lyft drivers; within its parent company, Allstate offers a rideshare add\u2011on in many states (details<\/a>). Independent roundups of rideshare insurers likewise omit National General, suggesting limited availability directly through NatGen (overview<\/a>). Customer service scores across auto insurance have generally declined since 2019 amid higher premiums and longer repair times, and a formal claims service satisfaction guarantee<\/a> by itself has not shown industry\u2011wide evidence of lifting scores in benchmarks like J.D. Power\u2019s Auto Claims<\/a> and Auto Insurance<\/a> studies. Still, if customer service is a high priority for you, it may be worth looking at companies with a better track record.<\/p>\n\n\n\n

The Claim<\/h3>\n\n\n\n

National General Insurance claims that \u201cgetting a lower rate on your car insurance doesn\u2019t mean you have to skimp on the level of protection and service you get for yourself, your family, and your vehicles.\u201d<\/p>\n\n\n\n

Is it true?<\/h3>\n\n\n\n

Kind of.<\/p>\n\n\n\n

National General Insurance offers nationwide coverage with common add\u2011ons like roadside assistance, and it guarantees customer satisfaction<\/a> for claim service. That guarantee typically means waiving up to $250 of your deductible after an unsatisfactory claims experience, which may not offset issues on larger losses. More importantly, independent research indicates that operational execution \u2014 cycle time, proactive communication, fair settlements, and strong repair networks \u2014 drives higher satisfaction, not the presence of a guarantee alone (J.D. Power 2024 Auto Claims<\/a>).<\/p>\n\n\n\n

Pricing is also mixed. Across recent national datasets, National General tends to price higher than the cheapest large carriers for clean\u2011driver profiles, while it can be mid\u2011pack or competitive for higher\u2011risk drivers (accidents, DUIs, SR\u201122, or credit challenges) (The Zebra 2025<\/a>; NerdWallet 2025<\/a>; Bankrate<\/a>). State regulator tools show a similar pattern in places like Texas and Florida (Texas OPIC<\/a>; Florida OIR<\/a>). However, robust discount programs \u2014 safe\u2011driver, multi\u2011policy, multi\u2011vehicle, low\u2011mileage, and telematics\/usage\u2011based options \u2014 can still lower a quote if you\u2019re eligible.<\/p>\n\n\n <\/span>\n \n\n\n

Product Overview<\/h2>\n\n\n\n