National General Insurance Review 2022

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Our Take


NerdWallet rating 

The bottom line:

National General sells policies to "high-risk" drivers, particularly those with a DUI offense on their record.


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National General Auto Insurance
National General
NAIC complaints
Far more than expected
Ease of use
Below average
Average set of discounts

Pros & Cons


  • Offers policies to first-time DUI offenders.
  • Can file an SR-22 if you need one.


  • Far more than the expected number of complaints to state regulators relative to its size for auto insurance.
  • No mobile app for managing policy.

Full Review

National General, also known as “NatGen,” specializes in “high-risk” drivers and claims to offer affordable rates to first-time DUI offenders who’ve completed safe driving and substance abuse therapy programs. National General insurance policies are widely available, both online and through independent agents.

Still, while the company offers a wide variety of products and discounts, it has far more than the expected number of auto insurance complaints for its size.

National General auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for


Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

National General offers basic car insurance as well as these additional benefits:

  • SR-22 availability. Many states require an SR-22 form to prove that a driver has insurance after a DUI or another serious violation. Florida and Virginia drivers may need a similar form, called an FR-44, to show they have more than the state’s minimum required car insurance.

  • Customer satisfaction guarantee. National General will waive part of your deductible (up to $250) if you aren’t satisfied with its claims service. This is not available in Washington state.

  • Emergency expense allowance. National General covers food, lodging and travel expenses up to a daily limit so you won’t be stranded after a covered claim.

  • Valet. Get your car picked up after an accident and receive a rental car after you submit a claim. Your vehicle will be delivered to you after it’s repaired, and National General will return the rental car for you. You must have rental reimbursement coverage to use this service.


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Auto insurance discounts

National General has auto insurance discounts for:

  • Paying your premium in full, upfront.

  • Insuring more than one vehicle.

  • Completing a defensive driving course (in certain states).

  • Using electronics that track your mileage.

  • Membership in certain organizations.

  • Having multiple policies with National General.

  • Going paperless.

  • Anti-theft features in your car.

  • Making automatic payments.

Pricing based on tracked driving habits

The DynamicDrive program uses the Routely app to monitor your driving habits, including speeding, hard braking and using your phone. You can get a discount for participating, and if you drive safely, you may qualify for cheaper rates.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Complaints and customer satisfaction

National General had far more than the expected number of complaints for auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

National General ranked last out of 12 companies in J.D. Power’s 2021 auto insurance shopping satisfaction survey.


See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

More about National General auto insurance

Website: National General’s website allows you to get a quote, report a claim and pay bills online. It also features a learning center where users can find out more about topics like coverage options, common insurance terms and which factors affect your rates.

App: National General doesn’t offer a mobile app for managing your policy. However, if you sign up for the DynamicDrive program, the Routely mobile app will track your driving habits and offer discounts for safe behavior.

Other insurance from National General

National General also sells the following types of insurance:

  • Homeowners.

  • Condo.

  • Renters.

  • Motorcycle.

  • Recreational vehicle.

  • Small-business auto.

  • Accident and health.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Frequently asked questions