Auto Insurance Comparison
AAA vs National General
Side-by-side comparison of AAA vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
AAA edges ahead National General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| AAA | National General | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | AAA sits at the intersection of insurance and membership — its auto coverage is competitive on service and roadside, but headline rates frequently run above more pure-play competitors like GEICO or Progressive | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | AAA review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | AAA | National General |
|---|---|---|
| Customer experience | 4.30 | 3.40 |
| Coverage breadth | 4.00 | 3.70 |
| Affordability | 3.00 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
AAA
Full review →Pros
- Roadside assistance and member benefits genuinely earn the brand's reputation
- Strong claims-handling and agent service in most regions
- Broad coverage options with consistent multi-state availability
- Solid bundling discounts for members with home or life policies
Cons
- Headline rates typically run above the national average for non-members or light users
- Quality varies meaningfully by regional AAA club — service and pricing aren't uniform
- Not the best fit for high-risk drivers or drivers seeking the lowest possible rate
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
AAA
National General
The bottom line
AAA
AAA makes sense if you'd use the membership perks anyway. If you're a careful driver who just wants the cheapest competent coverage, USAA (if eligible) or GEICO typically beat AAA on price by a comfortable margin.
Read the full AAA reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.