Auto Insurance Comparison
State Farm vs National General
Side-by-side comparison of State Farm vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
State Farm 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.
| State Farm | National General | |
|---|---|---|
| Overall score | 4.41 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| National rank | #1 | — |
| Best for | State Farm is the largest auto insurer in the US with the strongest local agent network and top-tier customer satisfaction | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | State Farm review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | State Farm | National General |
|---|---|---|
| Customer experience | 5.00 · #1 | 3.40 |
| Coverage breadth | 4.85 · #2 | 3.70 |
| Affordability | 4.40 · #5 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
State Farm
Full review →Pros
- Largest network of local agents in the US (19,000+)
- Top-tier J.D. Power customer satisfaction scores year after year
- Drive Safe & Save™ telematics program with significant discounts
- Strong claims experience with personalized agent support
- Best-in-class financial strength (AM Best A++)
Cons
- Base rates higher than GEICO and Progressive for many profiles
- Online quote and self-service tools lag digital-first competitors
- Limited availability of some niche coverages by state
- Less competitive for high-risk drivers compared to specialized insurers
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.
State Farm
State Farm offers a comprehensive coverage menu typical of major car insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Roadside Assistance — Towing, jump-starts, fuel delivery, lockout service, and flat tire changes
- Rideshare Coverage — Personal auto coverage extended for rideshare drivers between rides
- Personal Articles Policy — High-value items like jewelry, art, collectibles, and electronics
- Car Rental and Travel Expenses — Rental car costs and travel expenses after a covered accident away from home
National General
The bottom line
State Farm
State Farm earns an overall score of 4.41/5 in QuoteYeti's car insurance provider rankings. The carrier ranks #1 nationally, with particular strength in customer experience.
State Farm is best suited for drivers who value strong customer service over the lowest price. Base rates higher than GEICO and Progressive for many profiles is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
National 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.