National General is an Allstate company that specializes in nonstandard and higher-risk auto insurance, with roots in the GMAC Insurance and Motors Insurance businesses before it rebranded as National General in 2013. It is a frequent landing spot for drivers who need an SR-22, have a DUI, or carry lower credit, so here is an independent look at National General auto insurance, its estimated rates, and how it compares in 2026.
National General grew out of the Motors Insurance Company and GMAC Insurance operations, whose roots go back to 1939, took the National General name in 2013, and was acquired by Allstate in a deal that closed in 2021. It is now an Allstate company headquartered in Winston-Salem, North Carolina, with a New York presence, and sells auto coverage nationwide largely through independent agents. National General writes both standard and nonstandard auto, which makes it a common option for higher-risk drivers, including those who need an SR-22 filing. It carries an A+ (Superior) financial strength rating from AM Best, but it draws far more complaints to state regulators than expected for its size and scores poorly in J.D. Power claims satisfaction.
Independent market estimates based on NAIC rate filings and state insurance department data. Not provided by or endorsed by National General. Actual rates vary by state, ZIP, and individual profile.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,760/yr | Above avg. | Not its strongest niche |
| Single accident (3 yrs) | ~$2,340/yr | Near avg. | Accident forgiveness on some plans |
| DUI on record | ~$3,120/yr | Below avg. | Will file an SR-22 in most states |
| Young driver (18–24) | ~$3,180/yr | Above avg. | Good-student and low-mileage discounts |
| Senior driver (65+) | ~$1,880/yr | Above avg. | More competitive elsewhere |
| Lower credit tier | ~$2,600/yr | Near avg. | Serves lower-credit drivers other carriers decline |
ⓘ Source: NAIC filings and state regulatory data. Not quotes from National General. Verify pricing directly with the carrier or a licensed agent.
National General's clearest role is as a market for drivers other carriers make hard to insure. Backed by Allstate and rated A+ by AM Best, it writes nonstandard auto in all 50 states and will file an SR-22, which makes it a realistic option after a DUI, for lower-credit drivers, and for anyone bounced from the standard market. It also offers add-ons like RV, motorcycle, and low-mileage coverage plus its DynamicDrive telematics program. The trade-offs are real. It draws far more complaints to state regulators than expected for its size, ranks near the bottom in J.D. Power claims satisfaction, and its pricing for a clean-record driver tends to run above the national average, so drivers with a spotless record can usually do better elsewhere. That is exactly why it is worth comparing against other carriers before committing.
National General is a sensible option when you need an SR-22 or have a DUI or lower credit and want the backing of an Allstate company. It is less compelling if you have a clean record, where its above-average base rates and weak service scores work against it. Comparing National General against other carriers in your area is the fastest way to see where it lands for your profile.
Disclaimer: RateWire is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to National General. All carrier names and trademarks are the property of their respective owners used solely for informational and comparison purposes. Rate figures are independent market estimates from publicly available NAIC and state regulatory data — not quotes from National General. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent before purchasing.