Compare Erie vs. National General Insurance

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Which Company Will Save You the Most Money?

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A couple of the most top-rated companies in the insurance world are Erie and National General. National General was founded in 1920, only a few year before Erie, which was founded in 1925. Both of these companies have their strengths and weaknesses. For instance, National General is best if you are affiliated with General Motor Clubs, but clients have complained about subpar customer service.

Whereas, Erie is best if you want excellent customer service, but their premiums are not as affordable. Still, both of these companies have A+ ratings from the Better Business Bureau, not to mention excellent financial strength.

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

  Erie National General
Best If Erie
  • You want excellent customer service
National General
  • You’re affiliated with General Motors Club
Worst If Erie
  • You want more affordable insurance premiums
National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

Erie National General
Erie

Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount
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 Erie National General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Erie 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 Erie National General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Erie National General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Erie National General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Erie National General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Erie Car Insurance National General Insurance
2016 43 69
2015 40 74
2014 35 50
2013 19 30

U.S. Auto Insurance Shopping Study (2016)

Erie Car Insurance National General Insurance
Overall Purchase Experience Among the best
Policy Offerings Above average
Pricing Among the best
Local Agent Above average
Call Center Representative --
Insurer Website --

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

Erie Car Insurance National General Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Above average
Appraisal Average
Repair Process Among the best
Rental Car Experience Average
Settlement Average

Financial Strength Ratings

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

Mobile Apps

Erie National General
Erie

eSSENTIAL Accessibility App is a free mobile app for you to use to navigate Erie Insurance’s website from your mobile device. It’s specifically geared for those with physical disabilities who have trouble navigating with a mouse. The app has keyboard and mouse replacement options and aims to empower the disabled community. To read more and download the app, click here. 

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

Erie National General
Erie

Erie Emergency Road Service

Emergency Road Service coverage is offered as part of your existing car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero.

Service Covered

  • Towing
  • Flat tire
  • Battery service
  • Gas delivery

Contact Phone Number

Erie Emergency Road Service Hotline: (800) 367-3743

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.