In a rapidly evolving insurance landscape, National General Insurance stands out as one of the most recognizable names in the industry. Known for its flexible coverage options, strong customer service, and unique product offerings, National General has continued to grow as a trusted insurer in both personal and commercial insurance sectors.
Whether you’re exploring auto insurance, health plans, or homeowners coverage, this guide will help you understand everything you need to know about National General Insurance in 2025—including its offerings, features, and why it might be the right fit for your needs.
What Is National General Insurance?
National General Insurance (NGIC), originally a part of General Motors and now owned by Allstate Corporation, is a major provider of personal and commercial insurance in the United States. The company has decades of experience and a wide product range, catering especially to high-risk drivers, small business owners, and everyday Americans seeking reliable coverage.
| Feature | Details |
|---|---|
| Founded | 1920s (as part of GM); rebranded to National General in 2013 |
| Parent Company (as of 2025) | Allstate Corporation |
| Headquarters | Winston-Salem, North Carolina |
| Available In | All 50 U.S. states |
| Best Known For | Auto insurance, RV insurance, high-risk driver coverage |
Insurance Products Offered by National General
Unlike many insurers that focus on just one area, National General provides a wide range of coverage options. Here’s an overview:
| Product | What It Covers |
|---|---|
| Auto Insurance | Liability, collision, comprehensive, roadside assistance, rental reimbursement |
| Homeowners Insurance | Structural damage, personal belongings, liability, weather events |
| RV & Motorhome Insurance | Recreational vehicles, travel trailers, and motorhomes |
| Small Business Insurance | General liability, property, commercial auto |
| Health Insurance | Short-term medical plans, accident insurance, critical illness |
| Condo Insurance | Coverage for unit interiors and personal property |
| Motorcycle Insurance | Liability, accessories, custom parts |
| Renters Insurance | Personal property, theft, liability |
️ Why Choose National General Insurance?
1. Specialized Coverage for High-Risk Drivers
One of National General’s standout offerings is its willingness to insure drivers with less-than-perfect records. Whether you’ve had prior accidents, DUIs, or lapses in coverage, National General offers customized plans where other insurers may decline.
2. Bundling Discounts
Customers can save significantly by bundling multiple policies—auto, homeowners, and more—under National General, often with simplified management under one account.
3. Accident Forgiveness
For qualifying drivers, your first at-fault accident may not increase your premiums, providing peace of mind.
4. Telematics & SmartDrive Program
The optional SmartDrive program uses mobile tracking to monitor driving habits and rewards safe driving with premium discounts.
5. Rapid Claims Service
Backed by Allstate’s infrastructure, National General provides a reliable and quick claims process with 24/7 support and a dedicated claims portal.
Customer Experience and Reviews
Customer satisfaction can vary based on region, agent interaction, and type of insurance, but here are common review themes:
| Pros | Cons |
|---|---|
| Competitive rates for high-risk drivers | Some customers report delays in claim settlements |
| Wide product range | Limited in-person office locations in rural areas |
| 24/7 claims service | Some users report premium increases after first renewal |
| Customizable plans | Not always the cheapest for low-risk drivers |
National General holds a BBB A+ rating and continues to improve digital tools and customer support under Allstate’s leadership.
How to Get a Quote from National General
Getting a quote is fast and user-friendly. You can:
- Visit the official website: Use the online quote tool to compare plans and premiums.
- Call customer support: Speak directly with an agent to customize your plan.
- Use a comparison site: National General is listed on major platforms like The Zebra and Policygenius.
You’ll need basic information such as:
- Personal details (age, address, marital status)
- Driving history (accidents, tickets, insurance history)
- Vehicle or property details (make, model, location)
Market Position & Recent Growth
Since being acquired by Allstate in 2021, National General has enjoyed:
- Improved technological integration
- Expanded customer support services
- Wider geographic and market reach
- Increased focus on digital-first customers
National General continues to target underserved markets, such as non-standard auto insurance and temporary health insurance, making it a key player in niche segments.
Sample Comparison: National General vs. Competitors
| Feature | National General | GEICO | Progressive |
|---|---|---|---|
| High-Risk Driver Coverage | ✔️ Strong | ❌ Limited | ✔️ Moderate |
| Telematics Program | ✔️ SmartDrive | ✔️ DriveEasy | ✔️ Snapshot |
| Rental Reimbursement | ✔️ Included in many plans | Optional Add-on | Optional Add-on |
| RV Insurance Expertise | ✔️ Yes | ❌ Limited | ✔️ Good |
| Health Insurance Plans | ✔️ Short-term available | ❌ Not offered | ❌ Not offered |
Tips for Maximizing Your National General Policy
- Bundle Your Policies – Combine auto, homeowners, and renters insurance for big savings.
- Use SmartDrive – Enroll in the telematics program for driving-based discounts.
- Set Up Automatic Payments – Some policies offer small discounts for autopay setup.
- Review Annually – Your life changes, and so should your policy. Make updates regularly.
- Check for Loyalty Discounts – The longer you stay, the better your potential rewards.
Frequently Asked Questions (FAQs)
1. Is National General Insurance only for high-risk drivers?
No. While it is known for accommodating high-risk drivers, National General also offers competitive options for standard risk profiles.
2. Is National General part of Allstate?
Yes. Allstate acquired National General in 2021, allowing the company to expand services and leverage Allstate’s infrastructure.
3. Does National General have a mobile app?
Yes. The app allows you to view policies, submit claims, and access ID cards on the go.
4. Can I switch to National General mid-policy from another provider?
Yes, and in many cases, they’ll assist you with the process and may even cover cancellation fees from your prior insurer.
National General Insurance brings flexibility, specialization, and Allstate-backed reliability to the modern insurance market. Whether you’re a new driver, own an RV, or simply want comprehensive coverage with customizable options, National General is worth considering.
With a focus on underserved markets and innovations like telematics-based pricing and digital-first claims management, National General Insurance continues to grow as a valuable player in the U.S. insurance space.
Before choosing any insurer, it’s always wise to compare quotes, read policy documents carefully, and assess your unique coverage needs. But if you’re looking for a provider that understands non-traditional situations and offers solutions for everyday people, National General Insurance might be your best bet in 2025.