Compare Esurance vs. National General Insurance

Esurance and National General are both big names in the world of auto insurance. Esurance was founded in 1999, while National General was founded in 1925. National General is a great choice for customers who join the GM Motor Club, since additional discounts are rewarded to its members. However, it has reports of poor customer service and increased insurance premiums for reasons unknown.

On the flip side, Esurance is well-liked for its strong online platform that simplifies purchasing auto insurance, and it has high financial strength and J.D. Power ratings as a result. Still, the company is criticized for its limited payment options and seemingly faulty roadside service.

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

  Esurance National General
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
National General
  • You’re affiliated with General Motors Club
Worst If Esurance
  • You want excellent roadside assistance
National General
  • You want a swift and smooth claims process

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Esurance and National General. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Esurance National General
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount

This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount

This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.

Switch & Save Discount

This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.

Emergency Road Assistance Discount

You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.

Pac-12 Discount

You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.

National General

National General SmartDiscounts.

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

Consumer Complaint Data

Esurance Auto Insurance National General Car Insurance
2016 48 69
2015 67 74
2014 47 50
2013 43 30

U.S. Auto Insurance Shopping Study (2016)

Esurance Auto Insurance National General Car Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Among the best

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

Esurance Auto Insurance National General Car Insurance
Overall Satisfaction Below average
First Notice of Loss Below average
Service Interaction Below average
Appraisal Below average
Repair Process Below average
Rental Car Experience Below average
Settlement Below average

Financial Strength Ratings

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

Mobile Apps

Esurance National General
Esurance

Esurance Mobile

This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android.

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

Esurance National General
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

National General

National General Motor Club Roadside Assistance

Gives those insured by National General a membership plan for three levels of roadside assistance coverage. It's similar to other full suite roadside assistance memberships. You get 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 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.