GMAC Auto Insurance Review (2021)

Looking for a GMAC auto insurance review? This company changed its name to National General Insurance in 2013. National General offers auto insurance with special discounts for GM owners and employees. National General claims drivers can save up to $442 annually by making the switch. There are over 11 different discounts available through National General Insurance. Scroll down to learn more about National General, formerly GMAC auto insurance. Before you buy auto insurance, compare quotes to get the best price.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Company Details
Address: P.O. Box 3199
City: Winston-Salem
State: NC
ZIP Code: 27102-3199
Phone Number: 800-847-2886
AM Best Rating: A-
Company Rating 2 (2 reviews)

Things to Remember...

  • GMAC Insurance changed its name to the National General Insurance company in 2013. 
  • National General Insurance offers several types of auto insurance, including bodily and property liability and uninsured motorist coverage.
  • On the company website, National General claims drivers can save up to $442 by switching providers.

National General Insurance company, formerly known as GMAC Insurance, was founded in 1939 as Motors Insurance Corporation. Read through our comprehensive GMAC auto insurance review to learn if this company is a good fit for you and your needs.

National General Insurance offers a wide variety of insurance products, services, and auto insurance discounts to eligible customers. In July of 2020, Allstate reached an agreement to acquire National General for $4 billion. It is now part of one of the biggest insurance companies in the country. Allstate is steadily gunning for the title of largest automobile insurer nationwide and ranks among the top five every yea

Before choosing a GMAC Insurance or National General auto insurance policy, compare auto insurance rates from other reputable providers near you by entering your five-digit ZIP code into our FREE comparison tool above.

What Are National General Insurance Auto Insurance’s Rates?

National General, formerly known as GMAC Insurance, claims that customers save an average of $442 annually when they switch to this company.

According to the National Association of Insurance Commissioners, this company holds 1.24 percent of the personal auto insurance market share n the United States and Canada.

In the table below, you can view some average annual auto insurance rates from National General Insurance by driver age and gender. These rates are specifically for drivers who live in the state of West Virginia.

National General Average Annual Auto Insurance Rates by Gender and Age
Driver DemographicsAverage Annual Auto Insurance Rates
62-year-old male$916
62-year-old female$946
48-year-old male$910
48-year-old female$1,112
35-year-old male$860
35-year-old female$1,048
25-year-old male$1,426
25-year-old female$1,298
18-year-old male$5,076
18-year-old female$4,472
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As you can see, older drivers receive lower average rates from National General than younger drivers. This is not uncommon. Age is a major factor that many providers use when calculating your rates.

Remember to use these rates as guidelines, as your individual quotes might be very different. Insurance companies consider many different factors when determining your premiums.

For example, your driving record, ZIP code, and even the vehicle make and model you drive can also impact your overall rates.

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What Coverage Options Does National General Insurance Have?

While GMAC Insurance no longer exists, you can still get great coverage from the company that took its place. National General Insurance offers auto insurance, as well as motorcycle coverage, homeowners insurance, RV coverage, commercial auto/small business coverage, as well as accidental and health policies.

The company also advertises that it will insure people who’ve been convicted of a DUI.  

According to the Insurance Information Institute, almost every state in the country requires some form of liability auto policy.

You’ll easily be able to meet your state’s minimum legal requirements with a policy from this provider.

The company offers the following types of auto coverage options to its clients:

  • Bodily Injury Liability Coverage: This type of policy takes care of injury or loss to other people caused by your covered vehicle. It also helps pay for your legal defense costs if you are charged with causing harm to others with your car.
  • Property Damage Liability Coverage: This will cover damage your vehicle causes to someone else’s property as the result of an accident, where you are at fault.
  • Comprehensive Coverage: This handles damage relating to anything that is not a collision. Examples include acts of Mother Nature.
  • Collision Coverage: This handles damage relating to collisions, regardless of who is at fault. Examples include hitting another vehicle or hitting a tree or pole.
  • Medical Payments Coverage (MedPay): This is for you and the people in your vehicle. It covers medical needs and the costs of a funeral after a car accident.
  • Underinsured Motorist Coverage: This protects you if someone without insurance, or without adequate insurance, hurts you or damages your car.
  • Personal Injury Protection (PIP): This will cover medical expenses and losses that occur as a result of an automobile accident. The PIP coverage is valid no matter who caused the accident.

As you can see, National General offers the five major types of auto coverage.

The company also offers a roadside assistance policy, accidental death and dismemberment insurance, and an auto protection plan.

National General Insurance does not directly offer products for classic cars. The company will refer you to Hagerty Insurance to cover these types of vehicles. National General will then service your policy.

Does National General Offer Any Discounts?

National General provides consumers with a variety of discounts, offering you multiple ways to save. While specifics about how much you’ll save are not available online, the website does list out 11 different discount options.

Take a look at the table below to see what discounts are available through National General Insurance, formerly known as GMAC Insurance.

National General Auto Insurance Discounts
Auto Insurance Discount OfferedHow to Qualify for the Discount
Paid-in-full discountPay in full up front to qualify.
Multi-vehicle discountInsure two or more vehicles to qualify.
Safe-driver discountsQualify by taking a defensive driving course (only available in some states)
RVs and autos policy discountSave up to 20%, only pay one deductible if your RV and vehicle are involved in the same accident.
Motorcycle discountsSafe-rider and multi-cycle discounts available.
Low mileage discountUse an electronic device to track your mileage to qualify.
Affinity discountsMembership discounts available to a variety of organizations.
Multi-policy discountBundle different policies for a "thank you" discount.
Paperless discountSwitch to electronic billing to qualify.
Anti-theft discountReceive a discount for certain anti-theft devices.
Auto pay discountSwitch to automatic payments to qualify.
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According to the website, there are more available discounts that are not advertised. For example, on a separate page, the company also advertises a good student discount for teens who maintain a B average.

If you’re interested in seeking out quotes from this provider, be sure to ask an agent what other discounts might be available to you.

Does National General Provide Any Extra Services?

National General also offers its customers a multitude of extra services. Not only does this provider have a 24/7 claims center available for clients, but it also makes the following extras available:

  • Lifetime guarantee on repairs through any of the Gold Medal Repair Shops. Re-inspections are also available upon request at any time.
  • Guaranteed satisfaction for claims services (not available in Washington). A deductible of up to $250 will be waived if you are unsatisfied with your service. Most small claims will be paid in 48 hours. 
  • Emergency expense allowance: Get covered by up to $250 per day for food, lodging, and travel expenses after a claim. 
  • Easy and convenient payment options. National General offers a flexible payment schedule to customers and is willing to accommodate your budget. 
  • SmartDrive App. By downloading the app, you earn a 5 percent discount. The program rewards safe-driving behaviors with lower premiums. These savings are applied in real-time.  

National General also provides safe driving tips, teen safety tips, and safety tips for senior drivers on its website.

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What Is The Claims Process Like With This Provider?

National General gives you the ability to file a claim online at your convenience. You may also call the claim line at 800-325-1088. The line is available 24 hours a day, seven days a week. If you choose to call, a claims professional can walk you through the entire process.

Not only are claims filed at this number, but you can also call to cancel your policy. However, a cancellation fee may be required. An agent will walk you through the cancellation process when you call.

When filing a claim, you will need to have the policyholder’s number, information about the property involved, and details about the loss or damage.

After the claim is filed, you can follow up by calling 888-233-4575 with the extension of the representative handling your claim. You can also use the Claims Center portion of the National General website.

When your car is still drivable after an accident, you can speed up the claim process by scheduling a drive-in appraisal.

A National General appraiser will determine the amount of damage before completing the claim.

What Do National General Insurance Auto Insurance Financial Ratings and Consumer Reviews Say?

The best companies offer affordable rates as well as great customer service and a quick, efficient claims process.

Overall, National General, formerly GMAC Insurance, has received decent reviews and ratings. AM Best has given the company an A- financial strength rating and issuer credit rating.

This rating indicates that National General has an excellent ability to meet ongoing obligations. In other words, even in the event of an economic downturn, this company will still be able to pay out any claims you’ve filed.

The financial size is listed under category IX, which is defined as $250 Million to $500 Million. The outlook for National General is also considered stable under AM Best’s rating system.

Consumer reviews for this company are relatively high compared to other providers. The Better Business Bureau gives the company an A+ rating and accreditation, and the consumer ranking is 2.98 out of 5 stars.

In the past 12 months, 190 complaints have been closed. These numbers are fairly good for an auto insurance provider.

Where Is National General Insurance Located?

National General Insurance headquarters are located in Winston-Salem, North Carolina. Their address is as follows:

P.O. Box 3199
Winston-Salem, NC 27102-3199

The National General phone number is 800-847-2886. 

You can perform a search online to find a local National General Insurance agent in your area. If there aren’t any local agents available, they will refer you to other potential auto insurance providers.

You are now a National General expert. Previously known as GMAC Insurance, this provider offers competitive rates to both high- and low-risk drivers throughout half of the country.

Now that you’ve learned all about National General, get started with auto insurance quotes and find the most affordable auto insurance by entering your ZIP code into our FREE quote tool below.

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