Who Is National General?
National General Insurance is a leading personal lines insurer headquartered in Winston-Salem, North Carolina. Since 2021, National General has been a wholly owned subsidiary of The Allstate Corporation, giving it the backing of one of the largest insurance groups in the United States. National General is best known for auto insurance, where they excel at providing coverage options for a wide range of driver profiles — including those who may have had difficulty finding affordable coverage elsewhere.
What makes National General particularly valuable in our carrier panel is their flexibility. They offer competitive rates for standard drivers, but they also have products designed for drivers with less-than-perfect records, gaps in coverage, or non-standard risk profiles. This breadth means we can find a solution for almost any client, regardless of their driving history.
History & Heritage
National General’s roots trace back to 1920, making it one of the older auto insurance operations in the country. The company went through several transformations over the decades. In 2009, American Capital Acquisition Corp. acquired GMAC’s U.S. consumer property-casualty insurance business. On July 1, 2013, that business was rebranded as National General Insurance, establishing the modern identity we know today.
Under the National General name, the company grew rapidly through a combination of organic expansion and strategic acquisitions. They built a reputation for innovative distribution, flexible payment options, and a willingness to serve markets that other carriers overlooked. By the time Allstate acquired them in January 2021 for approximately $4 billion, National General had become one of the fastest-growing personal lines insurers in the United States.
Today, National General benefits from Allstate’s financial strength, technology infrastructure, and claims-handling resources, while maintaining the independent brand identity and agent-focused distribution model that made them successful.
What National General Is Known For
- Auto insurance expertise: National General is first and foremost an auto insurance company. They write competitive policies for standard, preferred, and non-standard drivers.
- Flexible payment options: National General offers some of the most flexible payment plans in the industry, including low down payments and multiple installment options — a major advantage for budget-conscious clients.
- Broad acceptance: Unlike many carriers that cherry-pick only the best risks, National General will quote drivers with prior accidents, tickets, lapses in coverage, or other issues. This makes them an essential part of our carrier lineup.
- Allstate backing: Since the 2021 acquisition, National General benefits from Allstate’s A+ AM Best rating, financial resources, and claims infrastructure.
- Fast digital experience: National General’s mobile app and online portal allow policyholders to manage everything digitally — from signing documents and making payments to filing claims and requesting roadside assistance.
- Nationwide availability: National General writes auto insurance in all 50 states, giving us a reliable option no matter where our clients are located.
Why We Partner With National General
At Better Choice Insurance Group, we partner with National General because they fill a critical gap in our carrier panel. While many of our carriers focus on preferred-risk clients — homeowners with perfect credit and drivers with spotless records — the reality is that not every client fits that mold. National General gives us a competitive option for clients who might otherwise struggle to find affordable coverage.
That said, National General is not just for non-standard risks. They are frequently competitive for standard drivers as well, particularly for auto-only policies and for clients who value flexible payment options. Their rates are often surprising — in a good way — even for drivers with clean records.
The Allstate acquisition has only strengthened our confidence in National General. The claims process is backed by one of the largest insurers in the country, and the digital tools have improved significantly. When our clients need to file a claim or manage their policy, the experience is smooth and modern.
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AM Best Rating: A+ (Superior)
National General carries an A+ (Superior) AM Best rating, reflecting strong financial stability and excellent claims-paying ability. As a subsidiary of Allstate, policyholders benefit from the financial resources of one of the largest insurance groups in the country.
Where We Write National General Insurance
Better Choice Insurance Group offers National General Insurance policies to homeowners and drivers across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington