INSURANCE CARRIER

National General Insurance

National General fills the gap for drivers and homeowners who do not qualify for preferred carriers. Auto, home, and umbrella from an admitted, A+-rated carrier.

Free Coverage Review

RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A+ Superior (Allstate subsidiary)

JD Power Personal

Ranked at the bottom of auto claims experience in 2025. Serves the non-standard auto market.

JD Power Commercial

NAIC Complaint Index

Tracks slightly above the industry average for auto, consistent with non-standard market positioning.

National General is a non-standard and mid-market personal lines carrier owned by Allstate. They write auto, homeowners, and umbrella for clients who fall outside the preferred market due to prior claims, credit history, or property characteristics. For clients who cannot get competitive quotes from Safeco, Progressive, or Branch, National General fills an important gap without going to surplus lines.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Admitted carrier with A+ AM Best rating (Allstate subsidiary), providing guarantee fund protection that surplus lines carriers do not.

Strength 2

Writes risks that preferred carriers decline -- prior claims, credit challenges, older properties -- keeping clients in the admitted market.

Strength 3

Available with no direct appointment volume requirements.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Claims satisfaction scores are below industry average, which matters more in the non-standard segment where clients may have fewer alternatives if claims handling is poor.

Weakness 2

Pricing for standard preferred risks is not competitive. Should only be quoted when preferred market options are exhausted.

Weakness 3

Best Fit For

Georgia drivers and homeowners with prior claims, credit challenges, or non-standard risk profiles who do not qualify for preferred carriers like Safeco or Travelers. Good fit for clients needing auto, home, and umbrella bundle in the non-standard market.

Not A Good Fit For

Preferred homeowners seeking the best combination of price and coverage quality. National General's core strength is non-standard auto, not homeowners coverage.

APPETITE & COVERAGE

What They Write

Coverage Types

Auto, homeowners, umbrella

Best Pricing For

National General is competitive for personal auto, particularly for drivers who have had lapses in coverage or who need SR-22 filings. Their homeowners pricing is not typically competitive against preferred market options.

Industry Classes

Admitted Status

CLAIMS & PRICING

What to Expect

Claims Experience

National General claims experience is mixed in published data. Their NAIC complaint index runs slightly above the industry average for auto. As an Allstate subsidiary they have broad claims infrastructure. For non-standard clients who have fewer carrier options, their accessibility and admitted status are more important than a top-tier claims score.

Pricing Context

National General is priced for the non-standard segment, meaning premiums are higher than preferred market but significantly lower than surplus lines. For clients who have been declined or heavily surcharged by preferred carriers, National General often represents the best admitted market option before going non-admitted.

vs Competitors

Against Progressive: both write non-standard auto, Progressive is stronger on specialty vehicles and has broader national footprint, National General competes on home bundling. Against surplus lines options: National General is admitted in Georgia, which means guarantee fund protection and simpler placement process. Against Foremost: both serve non-standard property, Foremost is stronger on manufactured homes and specialty property, National General is stronger on standard residential with non-standard risk profile.

STATE AVAILABILITY

Where They Write

States Available

Available in Georgia and select other states. Not available in CA, DC, DE, FL, HI, NV.

Personal Lines States

Available in GA and select other states. Not available in CA, DC, DE, FL, HI, NV.

Commercial Lines States

Do We Work With Them?

Yes

National General writes Georgia auto and home for non-standard risks. They accept drivers with prior accidents or violations that preferred carriers decline. Homeowners appetite includes older homes and properties with prior claims.