Auto Insurance Comparison
National General vs The General
Side-by-side comparison of National General vs The General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
National General edges ahead The 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.
| National General | The General | |
|---|---|---|
| Overall score | 3.55 /5 ★★★★★ Highest overall | 3.25 /5 ★★★★★ |
| Best for | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 | The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carriers |
| Read full review | National General review → | The General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | National General | The General |
|---|---|---|
| Customer experience | 3.40 | 3.00 |
| Coverage breadth | 3.70 | 3.00 |
| Affordability | 3.60 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
The General
Full review →Pros
- Strong specialization in non-standard risk — accepts drivers others reject
- Quick online quotes including SR-22 filings
- Available in 45 states, broader than most non-standard competitors
- Affordable for high-risk profiles that mainstream carriers price out
Cons
- Customer satisfaction and claims experience trend below industry averages
- Standard-risk drivers will pay more here than at mainstream carriers
- Coverage menu is intentionally minimal — limited add-on options
Coverage at a glance
What each carrier offers in standard policies.
National General
The General
The bottom line
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 reviewThe General
If you've been denied by mainstream carriers or need SR-22 filing, The General is a legitimate option. If you're a standard-risk driver, you're paying for risk pooling you don't need — get quotes from GEICO and Progressive first.
Read the full The 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.