National General Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
National General Final Score
3.5 Stars
National General (an Allstate company) was founded in 1920, giving the carrier a century of experience in the insurance industry. National General specializes in providing customizable coverage paired with the expert advice of independent agents.
National General is licensed to sell insurance in all 50 states. The carrier provides personal and commercial auto insurance, homeowners, renters, recreational vehicle, and much more, directly to consumers and through its network of more than 55,000 independent agents.
Thanks to its productive history, wide reach, and financial strength, National General has earned a reputation as a stable insurance company with a positive outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives National General an “A+” (superior) rating, indicating the carrier is an excellent choice for insurance customers.
We award National General a final rating of 3.5 out of 5 stars. The insurance company has been around for a century, which is noteworthy. National General has received high ratings from AM Best and the Better Business Bureau (BBB). That being said, one can find a lot of poor online reviews and complaints about customer service.
On the plus side, National General provides 24/7 claims reporting via phone, email, chat, or mail, and the company has an online pay portal, yet does not list its business hours for the customer service department anywhere. There is some information, although not highly detailed, about its claims process and time frame.
If you're looking for auto, RV, home, or motorcycle coverage, review your carrier options with your independent insurance agent, and consider National General.
Key Takeaways
- National General (an Allstate company) was founded in 1920, giving the carrier a century of experience in the insurance industry.
- The carrier provides personal and commercial auto insurance, homeowners, renters, recreational vehicle, and much more, directly to consumers and through its network of more than 55,000 independent agents.
- AM Best gives National General an “A+” (superior) rating, indicating the carrier is an excellent choice for insurance customers.
- National General offers 24/7 claims reporting by phone or online.
National General Pros and Cons
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
|
||||
|
|||||
|
National General Products
National General focuses on auto, RV, and homeowners insurance. Some of the insurance products it offers are as follows.
- Auto insurance
- Commercial auto insurance
- Motorcycle insurance
- RV insurance
- Homeowners insurance
- Condo insurance
- Renters Insurance
- Flood insurance
- Private collections insurance
- Personal umbrella insurance
- Health insurance
Your independent insurance agent can help you find more information about the coverage National General offers and can help you decide if this insurance company is right for you.
Our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.
What Discounts Does National General Offer?
National General provides quite a few discounts on its coverage options, including the following.
Car insurance discounts
- Bundle with home discount
- Pay in full discount
- Low mileage discount
- Security device discount
- Multi-vehicle discount
- Safe driver discount
- Paperless discount
Homeowners insurance discounts
- Age of home discount
- Auto companion discount
- Auto/home account discount
- Claim-free discount
- College education discount
- Gated community discount
- Home buyer discount
- Homeowners association discount
- Insurance to value discount
- Prime time discount
- Protective devices discount
- Superior construction discount
An independent insurance agent can provide more information about ways to save with National General.
Find The Right Company Today.
Shopping for a company? We have the right one for you.
National General Customer Service
National General offers 24/7 phone claims reporting for its policyholders. The carrier also provides the following customer service options.
- Online pay portal
- Online, mail, and chat claims reporting
- 24/7 toll-free hotline for claims
- The customer service hours are 24/7 by phone, chat, or email
| Days | Hours | ||
| Monday-Friday | 24/7 | ||
| Saturday | 24/7 | ||
| Sunday | 24/7 |
The most reliable way to guarantee an effortless customer service experience is to work with an independent insurance agent. These agents can help handle claims and other concerns for you.
National General FAQs
National General does not provide a specific claims response time frame promise. However, the company does state the following about the duration of the process:
"Depending on the claim, it could take as little as 24 hours to process. The more details you offer, the easier it will be for us to settle your claim quickly and accurately. Claims that involve more complicated settlements, such as disputes over who is liable, will take longer to process. Because it is our goal to make the claims process as efficient as possible, we promise to work hard to get your claim settled in the shortest amount of time possible."
National General allows customers to file claims 24/7 by phone, chat, online, or email. Business hours for customer service inquiries are not specified on the carrier’s website or social media pages. The carrier’s social media presence extends across Facebook and LinkedIn, which makes them a little more available to customers.
National General offers a couple of options for claims reporting. However, the insurance company does not detail its claims process beyond how to file. If customers have questions about filing or the claims process itself, they can contact the carrier via phone, chat, or email, or get in touch with their independent insurance agent.
National General provides a user-friendly experience for its customers. The company's public website is quite extensive, but it does not provide much information about its claims process or detail a claims response time frame.
Online bill pay is available, as is 24/7 claims reporting via phone, chat, or email, which are nice, modern customer service features.
https://nationalgeneral.com