Is National General Insurance Legit?

Yes, NatGen is one of the oldest auto insurance carriers in the United States. As of 2021 they're a subsidiary of Allstate that focuses on providing insurance to higher-risk buyers who are unable to find a favorable policy elsewhere.

Updated 2024-02-08

By: Gabriel Botelho

Insurance Types

Auto, Homeowners, Health

Introduction to National General Insurance

NatGen is one of the oldest auto insurance carriers in the United States being first established as a subsidiary of General Motors in 1920. The company focuses on providing insurance to non-standard or higher-risk drivers who are unable to find a favorable policy elsewhere. Although auto is their main focus National General also offers insurance for a range of consumer needs including homes, RVs, and even healthcare.

What Kinds of Insurance Does National General Offer?

National General a range of consumer insurance products. On the auto side they provide coverage for cars, RVs, motorcycles, and commercial autos. On the homeowners side they can offer insurance for condo, renters, private collections, flood, and umbrella (also called excess liability) insurance.

Does National General Sell Auto Insurance?

Yes, National General sells auto insurance and it's their main product offering. In 2019, before they were purchased by Allstate, auto insurance accounted for approximately 60% of the premiums they received. Their consumer auto offerings include liability, collision, and comprehensive coverage. For RV owners, National General offers coverage options beyond standard auto including replacement cost, personal belongings protection, and 24/7 roadside assistance.

Does National General Sell Homeowners Insurance?

Yes, National General does sell homeowners insurance. Standard coverage is offered for homes’ dwellings and other structures. Buyers can also add liability, excess liability (Umbrella), or personal possessions coverage when required and available.

How Does National General Insurance Work?

National General operates as a wholly owned subsidiary of Allstate with a focus on selling to non-standard buyers through agents or brokers. By offering insurance to folks who are perceived by other insurance companies as higher risk, usually due to a history of accidents or insurance lapses, National General is able to provide a valuable service while often commanding higher premiums from this market segment. Their services can be purchased on the phone with one of their agents (you can use this portal to find a local agent), through the quote form on their website, or via an online broker like Coverage Cat that doesn’t require a sales call and can also assess the marketplace for other options.

Pros and Cons of National General Insurance


  • Available to non-standard buyers who aren't offered coverage by other carriers
  • Robust financial backing and ratings
  • Strong ratings from organizations that purport to track customer satisfaction


Get Customer Support For Or File A Claim With National General Insurance

Customer support for National General Insurance is available via phone, or email. Customer support for auto policies can be reached at 1-888-293-5108 while support for homeowners can be found at 1-888-325-1190. Alternatively, customers can use the email [email protected] for both policy types.

Claims can be reached at the number 1-888-325-1190, or through their reporting portal. They also offer a remote claims estimation service for users with vehicles that are still safe and operational after an accident called MyClaimPics

If you purchased your policy through Coverage Cat we can help with insurance support (troubleshooting, claims, etc.) and can sometimes reach out to National General on your behalf.

How to Cancel National General Insurance

To cancel National General Insurance, contact their customer service or your assigned insurance agent. They will guide you through the cancellation process.

Frequently Asked Questions 

Should I Buy National General Insurance?

Deciding whether to purchase National General Insurance depends on your insurance needs, location, and comparable options. Before making a purchase decision you should compare their offerings with all available carriers and consider the tradeoffs the offered coverage.

Is National General Insurance a Real Insurance Company?

Yes, National General Insurance is a legitimate insurer. It is backed by reputable carriers in the industry and offers a range of products that help thousands of homeowners every year. They have an A “Superior” rating from AM Best, a company that rates the financial stability of insurance companies, as well as an AA- rating for long-term issuer credit.

As of 2021 they're a subsidiary of Allstate.

How Does National General Insurance Make Money?

National General Insurance earns revenue through the premiums paid by its policyholders for insurance coverage. The company differentiates itself in the market through sales via a large independent agent network, focus on non-standard buyers, and diversification across various coverage types.

Is Using National General Worth It?

National General Insurance can be a great fit for buyers who are unable to get coverage through other insurers due to an insurance history that qualifies them as non-standard. However, the only way to know if they are the best fit for you is to shop across the marketplace for all auto and homeowners options before you make a purchase decision.

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