Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Dec 11, 2020

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National General Insurance

Financial Strength

Formerly known as GMAC, National General Insurance is a big company with a long and somewhat unusual history. Following the 2013 name change, the company is no longer readily associated with General Motors but does, in fact, have a long history and continued connection with the major American car manufacturer. That makes them the only auto insurance company that was born out of the auto manufacturing industry – a unique background.

National General writes a variety of insurance products but their main focus is on auto insurance, which they write across the nation. They are one of the biggest and yet lesser-known insurance companies in the market, with the name change making a definite impact on brand recognition.

In July of 2020, it was announced that Allstate would acquire National General Insurance in a $4 billion deal. The deal makes National General part of one of the biggest insurance companies in the U.S.

Read our National General car insurance review below, but first enter your ZIP code to get free quotes.

What is National General insurance?

National General’s history traces back to the founding of Security Life and Trust Company in 1920. That company eventually changed names to Integon, and it became a popular choice in the non-standard auto market over the years.

While the actual National General name seems to be a new one to customers used to GMAC, it was one of the companies that combined to become GMAC itself. Originally founded as National Insurance Underwriters out of St. Louis, it was operating as National General when, along with Integon, it was acquired by General Motors in 1991. The combination of companies operated as GMAC Insurance for more than two decades.

GMAC also operated a financial services branch, and it was part of the major government bailout of financial companies that took place in 2008. They received two more bailouts over the following years, creating a great deal of controversy. Distancing itself from this, GMAC’s financial branch changed its name to Ally, while the insurance branch went back to an old name – National General Insurance. The two now operate separately.

National General Insurance writes mainly personal lines insurance, including auto and home insurance, as well as some commercial policies. Not all products are underwritten directly by National General, which is a common practice for large insurers, particularly with specialty policies.

National General Holdings, the holding company, does not quite make the Fortune 500, ranking at number 563 for 2018. The holding company has headquarters in New York City, but the underlying insurance company lists its headquarters in Winston-Salem, North Carolina.

Even though the GM name is gone from the company name, the connection remains. GM employees and even GM owners are still offered a discount on their insurance. Auto insurance is the company’s main focus, but they also have home and specialty policies as well. Commercial coverage is available for businesses, including commercial auto. Polices are sold online, over the phone, and through independent agents as well, putting National General in the market through multiple approaches.

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What products are offered?

National General focuses strongly on personal insurance, particularly on auto insurance. Their products are comprehensive and customizable in an effort to stand out in a competitive industry.

Auto Insurance

In addition to all of the basics, you would expect from a big insurance company National General offers several added benefits and plenty of coverage options.

SmartServices is the name given to the personal auto program’s extended benefits that are meant to provide coverage above and beyond the ordinary. This program offers, at no additional premium:

  • Lifetime guarantee on repairs through the preferred shop network
  • SmartInspect – post-repair independent inspection of the work
  • Claims satisfaction guarantee, with the deductible waived (up to $250) if the customer isn’t satisfied
  • $500 in emergency expenses allowance, such as food and lodging, when the insured is stranded by a covered claim
  • A $500 theft reward
  • Minor claims handled within 48 hours
  • SmartValet, which picks you up and brings a rental car to you, as well as returning your car to you and picking up the rental car after repairs
  • SmartReplacement car shopping services after a total loss

There are also a few options that can be added to enhance the coverage:

  • SmartAssist nationwide towing to the nearest repair facility
  • SmartDrive, which delivers up to a full-size rental car to you
  • Additional equipment coverage

Some of these services are fairly standard with most insurance companies, while others – such as delivery of a rental car – are unusual and are nice perks to have if a little gimmicky in terms of the value they offer.

Continuing the smart theme is the list of Smart Discounts, and this company does differentiate itself somewhat here.

There are plenty of affinity discounts for GM products, including for driving a GM vehicle, for having any other GMAC services, or – as mentioned above – for being a GM employee, or an employee of a company that works with GM. There is even a GM loyalty discount if all of the vehicles you insure are GM. Not surprisingly, this is in place to attract a specific market to National General and represents their GM connections.

In addition to the many GM-related auto insurance discounts, National General offers a variety of discounts to policyholders – good driver, multi-vehicle, and paid in full. They also have affinity discounts for many groups, but a list of these groups is offered. OnStar subscribers (also a GM product) can also get a discount and qualify for an additional discount for low mileage recorded through the system.

RV Insurance

National General also has an RV insurance program, which they present almost as strongly on the website as their auto insurance. They offer a program in which the RV can be insured along with a vehicle on a single-deductible policy.

The specialized RV coverage available from National General includes:

  • Optional full replacement coverage
  • Optional “in storage” coverage during winter months
  • Full replacement cost on personal belongings up to $3,000
  • Permanent attachments coverage
  • Optional full-timer coverage
  • Access to RV specialist claims adjusters

Most of the same coverage offered on the auto policy also applies to RV policies, including the waiver of the deductible up to $250 if you are not satisfied with the claims process, emergency expenses coverage, and the $500 theft reward. Also included are the SmartValet, SmartReplacement, and SmartInspect services.

SmartAssist for RVs provides coverage for up to one hour of labor at the site of a breakdown as well as towing to the nearest repair facility with no limit on mileage or cost.

Home Insurance

National General’s homeowners insurance program provides both homeowner’s insurance as well as renter’s insurance options. Coverage includes all of the basics you would expect – dwelling coverage, personal property, and liability – with some extras that National General adds on to make their policies stand out.

The homeowner’s program offers extended and guaranteed replacement cost coverage as well as up to $50,000 in “Green Upgrade” coverage to rebuild with sustainable and eco-friendly products after a loss.

Free basic identity theft protection is included with every policy. Add-ons include upgraded personal property protection and extended identity theft coverage.

National General writes policies for both detached homes as well as condos under their homeowner’s program.

The NatGen Premier program is designed specifically for high-value homes and offers more extensive coverage and highly customized options, including coverage for private art and other collections. This program has its own website and appears to be a separate branch of the company focused on high-income customers.

Business Insurance

National General writes package policies for small business and other commercial needs. These include options such as business property coverage, general and specialized liability, worker’s compensation, and more.

Commercial auto coverage is also offered as part of a package or as an independent policy.

Some business insurance is underwritten by partner companies, but National General underwrites their commercial auto directly. The website itself offers somewhat limited information on commercial auto, directing visitors to contact a representative for details. The business products are all listed in the “other products” section of the site, and clearly do not form a large part of the company’s business overall.

Other Products

National General partners with other companies to offer specialty coverage, such as motorcycle or collector car insurance. Classic and collector car coverage is underwritten by Hagerty, a well-known and established specialty car insurer that works with a wide variety of classics and collector vehicles.

They also provide assistance with obtaining health insurance and setting up group benefits (although National General health insurance isn’t sold directly). These are really just referral services that National General partners with in order to provide assistance to customers with obtaining all of the coverage they need.

Are the rates reasonable?

National General does provide online quoting, but at the time of this review was unable to provide us with a quote online; no explanation for this was given. We tried several zip codes in several states but were given the same result, a message stating that online quoting was unavailable. The message also stated that a link to an un-affiliated quoting site would be provided, but we saw no such link.

Quotes can also be obtained over the phone, which appears to be the only option at the time of this review.

In previous rate tests, we have found the company’s auto rates to be slightly above average. We see no reason why this would have changed in recent years. National General is not the type of company that advertises based on the lowest rates, but instead focuses on offering extended benefits and services to create a more value-focused approach to insurance.

National General is likely to be much more affordable insurance coverage for insurance customers who qualify for a lot of their population-specific discounts. A GM employee, driving only GM vehicles, with multiple policies in place and an On-Star subscription as well is going to get a lot of the biggest discounts. That means people who fit that market are likely to find this company more affordable than someone with none of those qualifications.

It is worth noting that our past rate quotes with this company did not include affinity discounts, and they still came in not far above average.

Is the claims process simple?

Policyholders can file insurance claims can be filed online, with a live chat option as well for assistance with getting everything entered correctly.

National General’s claims service car insurance phone number that is toll-free and can be called to file a claim over the phone 24 hours a day, 7 days a week. That number is 800-325-1088.

As promised in the insurance policy, the company completes processing on minor claims in as little as 48 hours. More complex claims will depend on the damage and repairs that are needed. The company offers drive-in appraisal facilities and will also assist with getting a non-drivable vehicle to that facility.

Also, as promised in the policy, customers can arrange to have a rental car delivered to their location and have their repaired car delivered when the work is done. The assumption here is that these items are available on full coverage policies, as a liability-only policy would not have rental car or collision coverage at all.

National General has a preferred repair shop network through which they will guarantee all of the work for as long as you are the owner of the vehicle. Customers are also welcome to select any repair shop of their choosing, even outside the network – but guarantees will not apply.

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Does the company have positive ratings and consumer reviews?

National General has an A+ rating with the Better Business Bureau (BBB), with a total of 485 consumer complaints on file in the past three years. This number is not a high volume of complaints for such a big company. 185 complaints were closed in the past 12 months.

The Consumer Affairs page for this company is focused on homeowner’s insurance, with a total of 38 reviews and an overall 4-star customer reviews rating. There are a few negative reviews mixed in with overall positive comments.

Yelp shows an opposite picture, with 35 customer service reviews resulting in less than two stars overall. These reviews are mixed between auto and home, but there is little in the negative reviews to raise any serious concerns. Overall, they are similar in nature to other insurance company complaints, and the volume on these sites is actually very low for a company of this size.

It is possible that some of the lack of complaints here is due to the name change, although that took place five years ago and should have long since stopped impacting National General Insurance reviews. The overall impression of this company is that they have a pretty solid reputation and a complaint history that is not bad.

The National General insurance phone number for customer service can answer most questions quickly, including things like National General insurance cancellation fees.

What’s the bottom line?

National General has some good insurance products, particularly for car insurance. They are likely to appeal mainly to those who qualify for the many General Motors-related discounts, but the program itself is a solid choice for any driver. There are some included benefits that, while a bit gimmicky, are nice touches and differentiate them from other companies.

There is nothing to raise red flags over in the way of reviews for this company, but it is frustrating to be unable to obtain any rate information online as this makes it hard to give a proper comparison of National General to its competitors. If the rates are competitive, this company could give some of the larger insurers a run for their money.