Auto Insurance Comparison
MEEMIC vs National General
Side-by-side comparison of MEEMIC vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
MEEMIC 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.
| MEEMIC | National General | |
|---|---|---|
| Overall score | 3.95 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | MEEMIC started as the Michigan Education Employees Mutual Insurance Company and still leans heavily into that origin — many policies trace back to educators | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | MEEMIC review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | MEEMIC | National General |
|---|---|---|
| Customer experience | 4.30 | 3.40 |
| Coverage breadth | 3.90 | 3.70 |
| Affordability | 3.70 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
MEEMIC
Full review →Pros
- Strong customer satisfaction reputation, particularly among education professionals
- Backed by Auto-Owners — solid financial strength and claims infrastructure
- Competitive group discounts for school employees, administrators, and retirees
- Local Michigan agent presence with deep state-specific expertise
Cons
- Michigan-only — not available anywhere else in the U.S.
- Eligibility tilts toward education-affiliated drivers (though now open more broadly)
- Less digital self-service than national pure-plays
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.
MEEMIC
National General
The bottom line
MEEMIC
If you're in Michigan with any connection to education — current employee, retired, family member — MEEMIC deserves a quote. Outside Michigan it isn't an option.
Read the full MEEMIC 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.