Compare Nationwide vs. National General Insurance

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A couple of the strongest competitors in the insurance world are Nationwide and National General. National General was founded in 1920, only five years prior to Nationwide—which was founded in 1925. Nationwide may be liked for their fast and fair claims process, but lack strong online and mobile services.

Whereas, National General is great for members affiliated with the General Motors Club, but has a habit of raising rates without notice or charging hidden fees. Nonetheless, both companies have superior financial strength ratings.

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

  Nationwide National General
Best If Nationwide
  • You want a fast and fair claims process
National General
  • You’re affiliated with General Motors Club
Worst If Nationwide
  • You want strong online or mobile services
National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

Nationwide National General
Nationwide

Paperless Documents
Nationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means transferring all the mail, bills, or documents you’d otherwise receive in the mail over to e-mail. It’s a convenient way to save paper and keep better track of your important insurance documents. Read more about this discount here.

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

Consumer Complaint Data

Nationwide Car Insurance National General Insurance
2016 53 69
2015 112 74
2014 90 50
2013 134 30

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Nationwide National General
Nationwide

The Nationwide Mobile App allows you to pay your bills, file or view a claim, get in touch with your agent, and much more all with a single touch. To download the app, click here.

Nationwide Mobile Banking App can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts and lets you stay on top of your insurance related finances. From the comfort of your home or convenience of your phone you can deposit checks or pay insurance bills. For more information and to download the Mobile Banking 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

Nationwide National General
Nationwide

Nationwide Roadside Assistance

Nationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy, regardless of who's car you might be in.

Nationwide Roadside Assistance Basic

Services covered:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

Nationwide Roadside Assistance Plus

Covers all the services of the basic plan plus:

  • Towing up to 100 miles
  • Trip interruption coverage that will reimburse the cost

Contact Phone Number

Nationwide’s Roadside Emergency Service is available by calling 1 (800) 421-3535. Its roadside service website is here. This service can help if: you’re locked out, you need a jumpstart, you get a flat tire, you need gas delivered, or if need a tow.

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.