Auto Insurance Comparison
Cincinnati Insurance vs National General
Side-by-side comparison of Cincinnati Insurance vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Cincinnati Insurance comes out clearly 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.
| Cincinnati Insurance | National General | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Cincinnati Insurance is one of those carriers your independent agent might recommend if you're shopping for more than just the cheapest rate | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Cincinnati Insurance review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Cincinnati Insurance | National General |
|---|---|---|
| Customer experience | 4.40 | 3.40 |
| Coverage breadth | 4.30 | 3.70 |
| Affordability | 3.50 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Cincinnati Insurance
Full review →Pros
- Strong claims-handling reputation across personal and commercial lines
- Deep coverage menu including high-value items and specialty risks
- Independent agent distribution — agents shop multiple carriers for you
- Consistent customer-satisfaction scores in the upper tier
Cons
- Those who shop online for car insurance quotes
- Customers looking for discounts
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.
Cincinnati Insurance
National General
The bottom line
Cincinnati Insurance
Cincinnati Insurance is a quiet standout — if you already work with an independent agent, ask them to include it in your comparison set. If you prefer to shop online, look elsewhere.
Read the full Cincinnati Insurance 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.