Auto Insurance Comparison
Pekin vs National General
Side-by-side comparison of Pekin vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Pekin 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.
| Pekin | National General | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Pekin review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | National General |
|---|---|---|
| Customer experience | 4.00 | 3.40 |
| Coverage breadth | 3.80 | 3.70 |
| Affordability | 3.70 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
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.
Pekin
National General
The bottom line
Pekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin 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.