✅ Introduction
When it comes to choosing an insurance provider, you want more than just affordability—you want reliability, good customer service, and fast claims processing. That’s where National General Insurance (also known as NatGen) enters the picture.
As one of the most recognized insurance providers in the U.S., National General has built a solid reputation for serving high-risk drivers, offering competitive rates, and providing customizable policies.
But is it the right insurer for you in 2025?
Let’s break it down in this in-depth, unbiased review.
🏢 What Is National General Insurance?
National General Insurance is a U.S.-based insurance company that specializes in auto, home, RV, and small business insurance. Formerly part of GMAC (General Motors Acceptance Corporation), it has deep roots in the auto industry and is now a subsidiary of Allstate, one of the largest insurers in the U.S.
📊 Quick Facts:
- Founded: 1920
- Headquarters: Winston-Salem, North Carolina
- Owned by: Allstate Corporation (since 2021)
- Specialty: Auto insurance for high-risk drivers, RV insurance, and commercial policies
🚗 National General’s Key Insurance Offerings
1. Auto Insurance
National General is best known for its auto insurance, especially for:
- High-risk drivers
- People with DUIs, accidents, or poor credit
- Individuals needing SR-22 filings
Key features:
- Liability, collision, and comprehensive coverage
- Rental reimbursement
- Roadside assistance
- Medical payments (MedPay)
- Uninsured/underinsured motorist protection
- Custom parts & equipment coverage (ideal for modified vehicles)
✅ Unique Add-On: Deductible savings benefit—lowers your deductible every year you’re claim-free.
2. RV & Motorcycle Insurance
NatGen is a leader in RV insurance and offers specialized plans that include:
- Full replacement cost coverage
- Personal belongings protection inside the RV
- Emergency expense allowance (for lodging and food after an accident)
For motorcycles, they offer:
- Helmet & gear coverage
- Guest passenger liability
- Customization and accessory protection
3. Homeowners & Renters Insurance
Though less well-known in this space, National General also offers:
- Basic and comprehensive homeowners insurance
- Renters insurance for apartments and condos
- Coverage for personal property, liability, and additional living expenses
💲 How Much Does National General Insurance Cost?
Pricing varies based on:
- Location
- Driving record
- Vehicle type
- Credit score
- Type of coverage
Sample auto policy cost (2025 average):
- Good driver, standard vehicle: ~$110/month
- High-risk driver (SR-22): $150–$220/month
- RV insurance: $80–$120/month
- Home insurance: $60–$100/month
✅ Discounts Offered:
- Multi-vehicle discount
- Safe driver discount
- Paperless billing
- Paid-in-full discount
- Affinity group membership (if you’re part of certain organizations)
📈 Pros & Cons of National General Insurance
✅ Pros:
- Accepts high-risk drivers and SR-22 needs
- Owned by Allstate = financial stability
- Fast claims process
- Excellent for RV and motorhome owners
- Flexible payment plans
- Bundle discounts
❌ Cons:
- Higher premiums for some customers
- Mixed customer service reviews
- Fewer in-person offices than larger competitors
- Limited availability in some states
🧾 Customer Experience & Claims Process
National General offers:
- 24/7 claims reporting via phone or app
- Mobile app for policy management, ID cards, and payments
- Network of repair shops for cashless repairs
Claims satisfaction rating: ~3.8/5 (based on aggregated review sites in 2025)
Most customers say:
“The claim was fast and hassle-free.”
“Premiums were high at renewal.”
“Great option if you can’t get covered elsewhere.”
🧠 Is National General Good for High-Risk Drivers?
Yes—this is one of their specialties. If you’ve been denied by other insurers due to:
- Accidents
- DUIs
- Poor credit
- Lapsed insurance
National General will often accept and insure you when others won’t.
They also help with SR-22 filing, which is required for license reinstatement in many states after serious driving violations.
🔎 How Does National General Compare to Other Providers?
| Feature | National General | GEICO | State Farm | Progressive |
|---|---|---|---|---|
| High-risk driver coverage | ✅ Excellent | ❌ Limited | ❌ Limited | ✅ Good |
| RV insurance expertise | ✅ Industry leader | ❌ Basic | ❌ Basic | ✅ Moderate |
| Mobile app quality | 👍 Good | 👍 Excellent | 👍 Excellent | 👍 Excellent |
| Premium pricing | 💲 Higher for some | 💲 Lower | 💲 Moderate | 💲 Moderate |
| Claim satisfaction | ⭐ 3.8/5 | ⭐ 4.3/5 | ⭐ 4.5/5 | ⭐ 4.2/5 |
📌 Who Should Choose National General?
Choose NatGen if:
✅ You’ve been rejected by other insurers
✅ You need an SR-22 quickly
✅ You own an RV or custom vehicle
✅ You’re looking to bundle with renters/home insurance
✅ You want to deal with a brand under Allstate’s umbrella
Avoid if:
❌ You have a perfect record and want the cheapest rates
❌ You prefer in-person agents
❌ You expect premium-level customer support
🔐 How to Get a Quote from National General
Getting a quote is easy:
- Visit www.nationalgeneral.com
- Choose the type of insurance (auto, RV, home)
- Enter your ZIP code
- Fill in basic personal & vehicle info
- Compare and customize your quote
Or call their toll-free number for faster service.
🧾 Final Thoughts: Is National General Insurance Worth It in 2025?
If you’re struggling to find affordable car or RV insurance—especially with a checkered driving record—National General is a strong option. Their wide range of plans, SR-22 services, and flexible policies make them ideal for people who don’t fit the “perfect driver” mold.
While customer service isn’t always flawless, their affiliation with Allstate ensures strong financial backing, and their niche offerings like RV protection give them an edge.
📋 Quick Summary:
| Category | Verdict |
|---|---|
| Best for | High-risk drivers, RV owners |
| Claims process | Fast & simple |
| Cost | Moderate to high |
| Customer support | Mixed reviews |
| Unique benefit | SR-22 and modified car coverage |
| Overall rating (2025) | ⭐⭐⭐⭐ (4/5) |