Auto Insurance Comparison
Farmers vs National General
Side-by-side comparison of Farmers vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Farmers 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.
| Farmers | National General | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Farmers review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Farmers | National General |
|---|---|---|
| Customer experience | 3.70 | 3.40 |
| Coverage breadth | 4.20 | 3.70 |
| Affordability | 3.20 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Farmers
Full review →Pros
- Coverage that is completely customizable for both vehicle and house insurance policies
- Opportunities for bundling several lines of insurance
- Numerous automobile insurance reductions are available.
- Fewer customer complaints than average
Cons
- Standalone auto rates typically run above more pure-play competitors
- Customer satisfaction on claims handling trends average to slightly below average
- Online quote and self-service experience lags more digital-native competitors
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.
Farmers
National General
The bottom line
Farmers
Choose Farmers if you'd use the agent relationship and bundle multiple lines. As a price-driven solo-auto shopper, you'll usually find cheaper rates at GEICO or Progressive without giving up much.
Read the full Farmers 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.