National General Insurance Review

National General Insurance, part of the Allstate group, is known for offering flexible and affordable coverage through independent agents. They specialize in auto insurance, motorcycle, RV, and commercial auto insurance, making it easier for drivers with unique needs to stay protected.

National General is currently only available with IronPoint in California. The table below shows which NatGen product lines we actively write by state.

State	Auto	Motorcycle	RV	Commercial Auto
Arizona
California
Nevada
Texas
Utah
Washington

Active Pending
Under NatGen Premier, we can also offer Home Insurance (availability may be limited).

Several comparison sources publish average National General prices. Those snapshots are helpful for context, but they aren’t a quote for your situation—rates still depend on drivers, vehicles, coverages, ZIP, and more.

What actually drives your price

• Car & equipment: model, repair costs, safety/anti-theft tech.
• Driver history: age, tenure, violations/accidents, prior insurance.
• Where it’s garaged: ZIP-level loss trends, theft, weather, traffic.
• Use & miles: commute vs. pleasure, annual mileage, business/rideshare.
• Limits & deductibles: liability levels, comp/collision, add-ons (rental, roadside, gap).
• Discounts: telematics, multi-vehicle, EFT/paperless, homeowner, affiliations.
• Household mix: number of drivers/vehicles; youthful operators.
• Insurance/credit score (where allowed): many states permit scoring models that impact rate.

Bottom line: averages are a starting point; the best price comes from a quote built around your exact drivers, vehicles, and coverage selections.

National General offers a practical range of car insurance coverages designed to meet most drivers’ needs. Availability and naming can vary by state, but these are the most common options:

• Liability Insurance (BI&PD) — Pays for injuries or property damage you cause to others in an at-fault accident.
• Medical Payments / Personal Injury Protection (MedPay & PIP) — Helps cover medical expenses (and in some states lost wages) for you and your passengers, regardless of fault.
• Uninsured / Underinsured Motorist (UM/UIM) — Protects you if you’re hit by a driver with no insurance or not enough insurance.
• Collision — Pays to repair or replace your vehicle after a crash, regardless of fault.
• Comprehensive — Covers non-collision losses such as theft, vandalism, fire, weather, or falling objects.
• Emergency Roadside Assistance — Provides towing, lockout, and other roadside help if your vehicle breaks down.
• Rental Reimbursement — Helps pay for a rental car while your vehicle is being repaired after a covered claim.

Pro Tip: Planning to drive into Mexico? Your U.S. auto policy typically doesn’t meet Mexican insurance requirements. Ask us about Mexico auto insurance before you go—we can protect your trip with the right policy for short or long stays.

National General offers a smaller but practical set of auto insurance discounts that reward safe driving, responsible ownership, and simple policy habits. While availability varies by state and program, these are some of the most common ways drivers can save on their premiums:

• Paid in Full — Save when you pay your policy in one payment instead of monthly installments.
• Low Mileage — If you drive less than average, you may qualify for a lower rate.
• Security Devices — Vehicles equipped with anti-theft systems or alarms can earn a discount.
• Multi-Car — Insure more than one vehicle on the same policy to reduce your total premium.
• Safe Driver — Maintain a clean driving record and enjoy savings for being claim-free.

If you’re unsure which discounts apply, ask your IronPoint Insurance Services agent to review your eligibility and help you find the best combination of savings and coverage.

Our Rating: 3 out of 5

Our 3-star rating reflects both our experience working with National General Insurance and the product’s position in the market. National General operates under two separate companies to deliver its full range of products, which can make the customer experience less seamless than with unified carriers. The company’s nonstandard auto program delivers reliable coverage, but with fewer built-in benefits compared to preferred market offerings.

Because of this, it’s important for consumers to work with an informed agent who can explain coverage limits, options, and exclusions clearly. National General also has a mixed history of claims satisfaction, though this reputation has improved under Allstate’s ownership and management structure.

Overall, National General offers a practical, affordable insurance solution for drivers who may not qualify for standard coverage. The products are solid, the underwriting is fair, and for the right customer, the value proposition is strong.

Supporting context: National General is part of the Allstate family of companies (A+ “Superior” rating from AM Best). The brand continues to improve its systems, pricing, and claims operations following integration with Allstate’s broader insurance network.