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Is National General Insurance Worth It? An Independent Review (2026)
By ReliablePolicy Editorial Team
National General is an Allstate company that specializes in drivers standard carriers turn away — DUIs, multiple violations, lapsed coverage. It is backed by an A+ financial strength rating and prices below Allstate's own book, but its NAIC complaint index runs more than three times the industry average. That trade-off is the whole story. Here's the honest look for 2026.
Avg. annual premium
~$2,210
Full coverage; min. ~$791
AM Best rating
A+
Superior — via Allstate
NAIC complaint index
3.17
3x+ the industry average
Specialty
Non-standard
High-risk and lapsed drivers
Owner
Allstate
Acquired 2021 for ~$4B
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National General Insurance overview
National General writes non-standard auto insurance — coverage for drivers with DUIs, multiple violations, prior lapses, or other factors that cause standard carriers to decline them. Allstate acquired it in 2021 for roughly $4 billion, and it now carries an A+ (Superior) AM Best rating on that strength. Independent analysis puts full coverage near $2,210 per year and minimum coverage near $791 — notably cheaper than Allstate's own average. The counterweight is service: its NAIC complaint index of 3.17 is more than triple the industry average, with recurring reports of steep post-accident increases and difficult claims handling.
National General Insurance estimated rates by driver profile (2026)
Independent market estimates for drivers researching National General Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30-45 | ~$2,210/yr | Near avg. | Not its target segment |
| Single accident (3 yrs) | ~$2,780/yr | Below avg. | Competitive after incidents |
| DUI on record | ~$3,290/yr | Well below avg. | Core strength — accepts DUIs |
| Young driver (18-24) | ~$3,860/yr | Below avg. | Accepts thin-history drivers |
| Senior driver (65+) | ~$2,040/yr | Near avg. | No senior specialization |
| Lapsed coverage | ~$2,640/yr | Well below avg. | No prior-insurance requirement |
Estimates based on NAIC rate filings and state insurance department data. Not quotes from National General Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.
National General Insurance pros and cons
Where National General Insurance excels
- ✓Accepts drivers most standard carriers decline — DUIs, violations, lapses
- ✓A+ (Superior) AM Best rating backed by Allstate ownership
- ✓No prior-insurance requirement, unlike many standard carriers
- ✓SR-22 filing available in most operating states
- ✓Priced well below Allstate's own average premium
Where National General Insurance falls short
- ✗NAIC complaint index of 3.17 — more than triple the industry average
- ✗Frequent reports of steep premium increases after a claim
- ✗Claims process widely described as slow and difficult
- ✗Little reason to choose it if you qualify for standard-market coverage
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A closer look at National General Insurance
National General exists for a specific situation: you need coverage, and the standard market has said no. For that driver it is a legitimate option with real financial strength behind it, and it will usually beat the price of a high-risk policy from a mainstream carrier. But the complaint data is hard to argue away — a 3.17 index means regulators hear about this carrier three times more often than its market share predicts. If your record is clean enough to get quotes from standard carriers, the trade is not worth making.
Bottom line
A credible option for high-risk drivers with no standard-market alternative, backed by Allstate's financial strength. The complaint record means clean-record drivers should look elsewhere first.
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Frequently asked questions about National General Insurance
Disclaimer: ReliablePolicy 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 Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, 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.
AB Test AA Control: B