National General Car Insurance

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Looking to learn about National General Insurance? We’ve got you covered. Keep reading to find out about National General's pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like National General Insurance.

Best If

  • You’re affiliated with General Motors Club

Worst If

  • You want a swift and smooth claims process

By The Numbers

  • National General is licensed to operate in 49 states (excluding Connecticut) and Washington D.C.
  • Has about 3,800 employees


    • Gave National General 3 out of 5 stars
    • Many customers complained about the company raising premiums or charging hidden fees for invalid reasons. Many also reported poor customer service
    • However, some customers liked how easily their payments went through and claimed the company has a hassle-free claim process
    • Gave National General 2.5 out of 5 stars
    • Liked that National General offers unique benefits to their auto insurance policies
    • Criticized their high premiums, coming in at about 10 percent higher than other companies tested
  • Better Business Bureau
    • Gave National General an A+ rating and has accredited them since 1960
    • The company’s age and its response and resolution rates to complaints added to its high score

What Does a Policy Cost?

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

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data
Year Total Complaints Percent Change
2016 69 -7%
2015 74
2014 50 +67%
2013 30 --
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: N/A
  • Central: N/A
  • Florida: N/A
  • Mid-Atlantic: N/A
  • New England: N/A
  • New York: N/A
  • North Central: N/A
  • Northwest: N/A
  • Southeast: 812 — about average
  • Southwest: N/A
  • Texas: N/A
U.S. Auto Insurance Shopping Study (2019)
Overall Purchase Experience
Policy Offerings
Local Agent
Call Center Representative
Insurer Website
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction
First Notice of Loss
Service Interaction
Repair Process
Rental Car Experience
Source: J.D. Power

Financial Ratings


A.M. Best

Superior rating; fourth-highest possible






Adequately strong, but more susceptible to changing economic conditions; fourth-highest rating

Typical Discounts

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

Roadside Assistance

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.

Mobile Apps

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


Before it was National General Insurance, it was two separate companies. One was called Integon. And the other Motors Insurance Company. The former was founded in 1920. The latter was founded by General Motors Acceptance Corp (GMAC) in 1925. In June of 1997, GMAC acquired Integon. But the name didn’t change to National General Insurance until 2013.

Today, its headquarters is in Winston-Salem, North Carolina.

Claims Process

File a claim with National General.

When filing a claim, National General requires your policy number and details of the accident you’re reporting. When you file a claim, a claims professional will help you with the rest of the claims process. The claims professional will begin processing your claim and further assessing the damages. An adjuster may also be assigned to your claim to gather all the details and provide an estimate.

If you can still drive your vehicle after the incident, bring it to a National General Drive-In Facility. If not, schedule a Drive-In appraisal with National General.

Contact Information

Claims Site
Customer Service Site

Mailing Address:
National General Insurance
P.O. Box 3199
Winston-Salem, NC 27102-3199

Customer Service Phone Number: 1 (800) 462-2123