National General Car Insurance Review

National General is Allstate's independent-agent and non-standard auto arm — the Integon-platform carrier that writes drivers after a DUI, lapse, or revocation that standard carriers won't touch, while also writing preferred and standard tiers. It files SR-22 in essentially every state that requires one and FR-44 in Florida and Virginia. The three facts that shape a 2026 decision: (1) Allstate parent provides top-tier counterparty strength (A- Excellent Stable); (2) modeled rates run well above standard-market benchmarks and the group-level NAIC complaint index runs materially above baseline; (3) the Direct Auto sibling brand is the Allstate Group's purpose-built minimum-coverage high-risk destination — request a Direct Auto quote alongside.

At a glance

Strengths & considerations

Coverage options

National General writes standard personal auto coverages plus carrier-specific products listed below. State availability and endorsement limits vary; confirm at quote time.

• Bodily injury and property damage liability³
• Collision³
• Comprehensive³
• Uninsured and underinsured motorist³
• Personal injury protection: Where state requires.³
• Medical payments³
• Accident Forgiveness: Signature add-on (Custom360).³
• Auto Replacement: Current-model-year replacement on covered total loss.³
• Rideshare gap coverage³
• Full Safety Glass: No-deductible glass claim.³
• Roadside Assistance³
• Diminishing Deductible: $100/yr claim-free credit.³
• Portable Electronics coverage³
• New OEM Parts (Elite tier)³

Discounts

• Multi-policy (bundling): Bundle auto with home or other NatGen products.⁶
• Multi-vehicle: More than one vehicle on policy.⁶
• Pay-in-full: Full policy premium up front.⁶
• Low-mileage: Low annual mileage.⁶
• Anti-theft device: Qualifying anti-theft equipment.⁶
• Safe driver: Clean driving record over a defined period.⁶
• Paperless billing: Electronic policy and billing.⁶
• DynamicDrive telematics: ~10% participation discount at enrollment; score-based renewal adjustment. See telematics section. (up to ~10% participation)⁶

DynamicDrive (telematics)

DynamicDrive is National General's smartphone-based telematics program. The app tracks speed, hard braking, time of day driven, phone use while driving DynamicDrive is marketed as a participation discount program. The sign-up discount is removed at renewal if the user fails to meet the 60-day pre-renewal tracking requirement; publisher-sourced coverage does not report a telematics-triggered surcharge beyond losing the discount. Primary-source confirmation on nationalgeneral.com was blocked in the research pass; confirm with your agent at enrollment before relying on the discount-only framing for your specific state.⁶

• Enrollment discount: up to ~10% participation discount at sign-up⁶
• Max renewal discount: score-based adjustment; must track trips for 60 days prior to renewal effective date or discount is removed⁶
• Can it raise your rate? DynamicDrive is reported as a discount-only program; the headline savings are the only published outcome. Confirm your state's rules at enrollment.⁶

Pricing

Every National General quote is personal. What follows are modeled premiums for defined driver profiles from reputable publisher analyses — not personalized quotes. Use them to calibrate what to expect, not to replace a real quote in your state.

How to read these numbers. Different publishers model different profiles and may use different underlying data (Quadrant Information Services is the most common dataset). Your quote depends on your driving record, credit-based insurance score where allowed, vehicle, garaging ZIP, mileage, prior insurance history, age, household composition, telematics participation, and the coverages and deductibles you select.

Complaints and regulatory record

The National Association of Insurance Commissioners publishes a complaint index that normalizes complaint counts against a company's share of premium written. A value of 1.0 represents the baseline expected complaint volume for a company of that size; lower is generally better.

Publisher aggregations of NAIC CIS data place NatGen's three-year weighted PPA complaint index materially above the 1.0 baseline — commonly in the 3-5 range depending on entity and year, consistent with its non-standard-heavy book. Pull current per-entity, per-state values on NAIC CIS before signing.⁸

To look up the current complaint index for the specific National General underwriting entity that writes policies in your state, use the NAIC Consumer Information Source or your state Department of Insurance. The entities most commonly rated for National General are:

• Integon National Insurance Company (NAIC #29742)
• Integon Preferred Insurance Company (NAIC #31488)
• Integon Indemnity Corporation (NAIC #22772)
• Integon General Insurance Corporation (NAIC #22780)
• National General Insurance Company
• National General Assurance Company
• National General Premier Insurance Company (NAIC #12832)
• Imperial Fire and Casualty Insurance Company
• Direct Insurance Company (NAIC #37220)
• Direct National Insurance Company (NAIC #23736)
• New South Insurance Company (NAIC #12130)

Complaint index measures regulator-filed complaints, not overall service quality; treat it as one input among several. Index values vary by underwriting entity and by state and can shift year over year, so pull the current number for your state before signing.

Financial strength

AM Best affirmed National General at Financial Strength Rating A- (Excellent) and Long-Term Issuer Credit Rating a- (Excellent) on August 28, 2025 with a stable outlook². AM Best affirmed Allstate Insurance Group core subsidiaries at A- (Excellent) / a- Stable on August 28, 2025. Integon entities are reinsured under Allstate Insurance Company and track the group rating. Post-acquisition integration (January 2021) is complete; AM Best initially upgraded Integon National to A+ in February 2021 before the rating structure was aligned to the current A- Excellent group framework.

What these ratings mean and do not mean. A high financial-strength rating indicates the insurer has the resources to pay claims under a wide range of adverse scenarios. It is not a guarantee of any specific claim outcome, service quality, or price competitiveness in your quote. Ratings can change; check the affirmation date.

Material news (last 24 months)

• AM Best affirmed Allstate Insurance Group core subsidiaries at A- (Excellent) / a- Stable (August 2025): Integon entities (reinsured under Allstate Insurance Company) track the group rating. Prior AM Best upgrade of Integon National to A+ in February 2021 was later aligned to the current A- framework.²
• SafeAuto DTC book merged into NatGen non-standard platform (June 2021): Allstate consolidated the acquired SafeAuto direct-to-consumer book into National General's non-standard platform alongside Direct Auto. SafeAuto brand retired.⁵
• Allstate closed acquisition of National General Holdings Corp. (January 2021): $4B transaction. NatGen became the independent-agent and non-standard-risk underwriting arm of the Allstate Group.¹

Common questions