Compare USAA vs. National General Insurance

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A couple of the most top-rated companies in the insurance world are USAA and National General. They were founded only two years apart; National General in 1920 and USAA in 1922.While National General is best for customers who are affiliated with the General Motors Club, and USAA is best for customers who are in the military and their family members.

On the flip side, USAA’s strength is also their weakness, if you are not a member in the military you can not obtain insurance with them, and National General has fairly high insurance premiums. Nonetheless, both companies have excellent financial strength and a wide variety of discounts for their members.

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

  USAA National General
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
National General
  • You’re affiliated with General Motors Club
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance National General Insurance
2016 245 69
2015 415 74
2014 380 50
2013 270 30

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

USAA National General
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app 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

USAA National General
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

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.