Compare GEICO vs. National General Insurance

Get affordable car insurance quotes from top companies like GEICO and National General

GEICO and National General are strong competitors in the auto insurance industry. While, National General is great for affiliates of the General Motors Club, GEICO is great for customers looking for great customer service and low premiums. Even though GEICO has low premiums, they only provide a couple insurance products. National General has a habit of charging hidden fees.

Still, National General and GEICO have a good amount of discounts to offer customers. So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  GEICO National General
Best If GEICO
  • You want great customer service and low premiums
 National General
  • You’re affiliated with General Motors Club
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
 National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

GEICO National General
GEICO

GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
 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

Compare Insurance Prices

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

Standard Car Insurance Discounts

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

Consumer Complaint Data

GEICO Auto Insurance National General Car Insurance
2016 144 69
2015 283 74
2014 267 50
2013 188 30

U.S. Auto Insurance Shopping Study (2016)

GEICO Auto Insurance National General Car Insurance
Overall Purchase Experience Below average
Policy Offerings Average
Pricing Average
Local Agent Below average
Call Center Representative Average
Insurer Website Average

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

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

Financial Strength Ratings

GEICO Auto Insurance National General Car Insurance
A.M. Best A++ A-
Moody's Aa1- --
S&P's AA+ BBB+

Mobile Apps

GEICO National General
GEICO

The GEICO Mobile App

provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards. Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance. Contact GEICO direct from your mobile phone for help should you get a flat tire, have an accident, etc.
  • Chat. Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app.

 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

GEICO National General
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

You can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411.
Visit GEICO's roadside service website here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are.

 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.