Auto Insurance Comparison
Selective vs National General
Side-by-side comparison of Selective vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Selective 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.
| Selective | National General | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Selective Insurance is a Northeast-rooted multi-line carrier where personal auto sits alongside a substantial commercial book | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Selective review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Selective | National General |
|---|---|---|
| Customer experience | 3.90 | 3.40 |
| Coverage breadth | 4.00 | 3.70 |
| Affordability | 3.60 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Selective
Full review →Pros
- Strong claims-handling reputation across personal and commercial lines
- Multi-line bundling potential including commercial coverage
- Independent agent distribution with shopping flexibility
- Solid financial strength
Cons
- Geographic limitation — Northeast/Mid-Atlantic focus
- No online quoting — independent agents only
- Mid-market pricing in a competitive region
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.
Selective
National General
The bottom line
Selective
Selective is a fine regional choice in the Northeast and Mid-Atlantic, particularly for buyers bundling personal and commercial lines through an independent agent.
Read the full Selective 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.