National General Insurance

National General Insurance

National General Insurance

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  • Nice and thoughtful added features, such as emergency expense allowances and extended coverage for specialized or customized additions to vehicles
  • Widespread discounts for using or being affiliated with the General Motors brand


  • Mixed review on claims handling and processing timeliness, and administrative matters related to billing

National General Auto Insurance Rate Comparisons

Let's look at car insurance quote comparisons for National General against their competition:

Driver Profile National General GEICO Allstate
Married Male, 30 years old $1,534 $536 $695
Married Female, 60 years old 1,406 424 913
Single Male, 21 years old 3,246 1,272 2,176
Single Female, 21 years old 2,914 1,419 1,679
  Get a National General quote  Get a GEICO quote Get an Allstate quote

We looked at sample premium rates in the state of Louisiana for National General and compared them to both GEICO and Allstate. As the data shows, both GEICO and Allstate are significantly cheaper than National General in this particular case. Older, married females inparticular would save almost 75% per year (or $982) by using Geico instead of insuring their vehicle with National General. This being said, rates will fluctuate from state to state and we always suggest signing up for multiple quotes because of that. If you're interested in starting that comparison process now you can use our quote box below, enter your zip code, and begin comparing the cheapest auto insurers in your area.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

Auto Insurance Policy

Thoughtful Features in National General's Policies

National General, formerly operating as GMAC Auto Insurance, has a number of value-added services that make policyholders' lives easier. If motorists have a covered accident and comprehensive and collision coverage on their National General auto policy, they can get a reimbursement of up to $500 towards any food, lodging, or travel expenses. Rental car coverage is a separate and optional service that can be added on to the policy; travel expenses refer more towards temporary transportation costs like taxis. 

The company also helps insure moderately modified or customized vehicles. Changes to one's car such as upgrading a radio, stereo, or television system are covered. Cosmetic improvements like adding specialized carpeting or insulation are permissible as well. More heavy-duty performance-based enhancements, such as improving horsepower or the engine and exhaust system are not insurable.

Premium Comparisons

Sample rates are not readily available from National General. Despite their national coverage, we were unable to obtain quotes online for a few key urban locations. The best method may be to call National General and request a quote over the phone. In any event, we suggest that consumers obtain at least two other price points so they can make an informed decision on buying the best car insurance for their location. For starters, consumers can see what insurers are servicing their city by typing their zip code in the below box:

General Motors Affiliation

Previously known as GMAC Auto Insurance, National General today still maintains close ties with its roots as a General Motors company. Today, the company offers a slew of discounts and promotions for employees and products or services related to the corporate brand. Savings are available for customers who are employees of GM or its suppliers. Even extended family members of current or retired employees can be eligible, including partners, siblings, and grandchildren, whether they are full, half, or step relatives,

Having a GMAC mortgage, card, or other financing product can get you a discount. Driving and insuring a GM vehicle (Chevrolet, Buick, Cadillac, or GMC) nets savings as well.

Insurer Ratings

Metric Rating
AM Best Financial Strength (2013) B++ to A- (Stable)
Better Business Bureau (2013) B-

Auto Insurance Policy & Discounts

National General's online quote system does not serve all areas or zip codes. Attempts to get quotes on National General's website for car insurance policies in the states of Florida, New York, and Texas, for example, directed consumers to contact an employee, agent, or broker for an offline conversation. 

National General Insurance also provides vehicle insurance for collector or classic edition cars through a partnership with Hagerty, 

Insurance Discounts

Discount Type Amount
OnStar Subscriber 10% on BIL / PD
20% on Comprehensive
Good Student 10%
Anti-Theft Devices 0 - 20%
Mature Drivers Course 5%
Multi-Car Policy 5 - 15%
Multi-Policy (RV & Auto) Up to 20%
Persistency Credit 10%

Sources: National General Discounts and 2013 California Department of Insurance Survey. Data current as of October 2013.

How to File a Claim / Customer Service

National General Insurance (GMAC Insurance) Claim Phone Numbers: (800) 325-1088

  • Press 1 for a new claim (OR: 2 for an existing claim, or 3 for a policy question or payment)
  • Press 1 for a glass-only claim
  • Press 2 for towing or roadside assistance
  • Press 3 if you're calling from the scene of the accident
  • Press 4 for a all other new claims

Claims can also be filed online at this form here.

The customer service representatives we spoke to about car insurance policies, coverage, and benefits at National General were quite knowledgeable and straightforward with their statements. Customer service can be reached at (800) 462-2123.

About National General Insurance

National General Insurance was previously known as GMAC Insurance. It changed its name in July of 2013 to National General. As of 2012 year end, the insurer underwrote $470MM of premiums. Policies are sold by a network of more than 10,000 independent agents and brokers throughout the United States.

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