Compare AIG vs. National General insurance

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Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

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Two top-rated companies in the world of auto insurance are AIG and National General. These companies were founded a year apart—AIG in 1919 and National General in 1920. National General customers love their easy payment system and claims process, while AIG customers love their variety of insurance products.

However, AIG customers complained about the mediocre customer service, and National General customers complained about high premiums and hidden fees. Still, both companies have A+ ratings from the Better Business Bureau.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AIG National General
Best If AIG
  • You want a wide selection of insurance products
National General
  • You’re affiliated with General Motors Club
Worst If AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult
National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

AIG National General
AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

National General

National General refers to its array of discounts as SmartDiscounts, presumably because they are smart and simple ways to save money off your auto insurance policies.

According to the company’s website, customers who switch to National General save an average of $442 a year, and that’s before applying SmartDiscounts to your policy!

  • GM/GMAC Customer Discounts
  • Paid-in-Full Discount
  • Multi-Vehicle Discount
  • GM Loyalty Discount
  • Safe-Driver Discounts
  • RVs and Autos on One Convenient Policy
  • Motorcycle Discounts
  • OnStar Subscriber Discount
  • Low Mileage Discount
  • GM Family First Discounts
  • Affinity Discounts
  • GM Supplier Discount

Standard Car Insurance Discounts

Bundling Coverage Discounts AIG National General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AIG National General
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AIG National General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AIG National General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AIG National General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AIG National General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AIG Insurance National General Insurance
2016 11 69
2015 29 74
2014 22 50
2013 17 30

U.S. Auto Insurance Shopping Study (2016)

AIG Insurance National General Insurance
Overall Purchase Experience
Policy Offerings
Pricing
Local Agent
Call Center Representative
Insurer Website

U.S. Auto Insurance Claims Satisfaction Study (2015)

AIG Insurance National General Insurance
Overall Satisfaction
First Notice of Loss
Service Interaction
Appraisal
Repair Process
Rental Car Experience
Settlement

Financial Strength Ratings

AIG Insurance National General Insurance
A.M. Best A- A-
Moody's A1 --
S&P's A+ BBB+

Mobile Apps

AIG National General
AIG National General

National General Insurance’s Claims App is fairly unique in that it actually puts you in contact with a National General claims service consultant. In addition, you can use the app to submit a claim online or request a towing service. To learn more about and download the app, click here

Roadside Assistance

AIG National General
AIG National General

National General Motor Club Roadside Assistance

The National General Motor Club gives those insured by National General a membership plan for three levels of roadside assistance coverage. The Motor Club, similar to other full suite roadside assistance memberships gives you travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving

Motor Club Basic

Cost per year: Single - $59. Couple - $69.

  • Towing up to 5 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $120

Motor Club Standard

Cost per year: Single - $79. Couple - $94. Each Dependent - $15.

  • Towing up to 20 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $150

Motor Club Elite

Cost per year: Single - $89. Couple - $99. Family - $119.

  • Towing up to 100 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $90
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $260

Contact Phone Numbers

Roadside Assistance Hotline 888-310-4173

Customer Service 888-310-4173

Trip Routing 888-310-4173

By signing up for the GM Motor Club (now referred to as “National General Motor Club”), you’ll get access to roadside assistance benefits. The GM Motor Club offers 24/7 roadside assistance and no hidden fees.