How Much Does National General Car Insurance Cost?

Choosing a car insurance provider can be challenging. If you're considering National General, reviewing its rates will help you determine if it's the right fit for your needs. However, we recommend obtaining quotes from several providers to ensure you're getting the best value and maximizing your savings on car insurance.

National General car insurance pricing per month

National General charges $185 per month on average for a full-coverage car insurance policy. Drivers who choose minimum liability-only coverage pay an average of $97.

Keep in mind these are average prices. Your actual rate will vary depending on factors such as your age, where you live, credit score, and driving record. While your rate with National General may be different, these averages provide a useful benchmark when shopping around.

	National General average monthly cost	National average monthly cost
Full coverage	$185	$186
Liability-only	$97	$104

National General's rates versus other car insurance providers

Each company evaluates risk differently and offers various discounts, so comparing quotes is worthwhile to see where National General stands for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$115	$59
Progressive	$177	$101
GEICO	$150	$92
Allstate	$150	$79
USAA	$106	$56
National General	$185	$97

National General's rates by age

Age plays a major role in National General's pricing strategy, similar to most insurers. Car insurance for teen drivers carries the highest premiums, averaging $412 per month for full coverage.

Rates typically decline as you enter your 20s, with National General averaging $241. The downward trend continues through your 30s at $175 on average and into your 40s at $154.

The most favorable rates often appear for drivers in their 50s and 60s, with average monthly costs of $141 and $132, respectively.

Rates may increase again for drivers in their 70s, averaging around $136 per month. This pricing pattern demonstrates how insurers evaluate risk across different life stages.

Age group	National General average monthly full coverage cost	National average monthly cost
Teens	$412	$359
20s	$241	$242
30s	$175	$199
40s	$154	$191
50s	$141	$177
60s	$132	$159
70s	$136	$163

National General's rates for high-risk drivers

Drivers with traffic violations or accidents on their record typically pay higher rates with National General. High-risk drivers with a speeding ticket average $228 per month, while an at-fault accident raises monthly costs to approximately $245.

DUI convictions result in substantially higher premiums, with monthly rates averaging $271. While these numbers reflect typical costs for high-risk drivers, your actual rate will vary based on when the incident occurred and other individual factors.

Driving record	National General average monthly full coverage cost	National average monthly cost
Accident	$245	$248
Speeding ticket	$228	$242
DUI	$271	$274

How does your credit score affect your rate with National General?

Most states allow insurance companies to use credit scores when calculating rates. Only four states prohibit this practice: California, Hawaii, Massachusetts, and Michigan.

Where credit impacts pricing, National General adjusts premiums according to credit tier. Drivers with excellent credit average $163 per month, while good credit translates to slightly higher costs around $178.

Those with average credit scores pay approximately $190 monthly, and poor credit typically results in rates near $225 per month on average.

These figures demonstrate credit's significant impact on monthly premiums, though your final rate depends on other personal characteristics as well.

Credit score	National General average monthly cost of full coverage	National average monthly cost
Excellent	$163	$163
Good	$178	$180
Average	$190	$194
Poor	$225	$227

FAQs

Is National General owned by Allstate?

Yes, Allstate purchased National General in January 2021. Despite being owned by Allstate, National General operates as a separate entity and typically serves a different customer base.

How do I get a car insurance quote from National General?

National General makes getting a quote straightforward through their website, by calling 1-800-462-2123, or through one of their 55,000 independent agents nationwide.

What makes National General different from other car insurance companies?

National General distinguishes itself by focusing on high-risk drivers that other insurers might decline, including those with DUIs, poor credit, or recent accidents. The company offers tiered Custom360 coverage packages that let you choose between Signature and Elite plans with different levels of protection, and their DynamicDrive telematics program that could lower your rates based on safe driving habits.

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Bottom line

Should you choose National General as your car insurance company? Getting quotes from National General and competing insurers will help you compare both pricing and service quality.

Data throughout provided by Insurify.

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