National General Insurance

National General

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.

This is what the claims process actually looks like based on published data and complaint records.

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.

How They Compare

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.