This review will analyze any recent JD Power and AM Best ratings for National General, and evaluate, for the most recent five year period where reliable statistics are available (2010, 2011, 2012, 2013 & 2014), the auto insurance complaint data for the subsidiary companies of National General Insurance Group, to determine whether each subsidiary, such as Integon General Insurance Company or National General Insurance Company Online, has a better-than-average, average, or worse-than-average customer complaint record.
I’ll analyze the change in the JD Power home & auto insurance scores & ratings for the National General (formerly GMAC) insurance companies from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, The Hartford, Travelers, Safeco, Nationwide, Liberty Mutual, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength Rating (FSR) for the National General insurance subsidiaries, too.
Lastly, I’ll compare the auto insurance complaint records for the National General subsidiary companies, with major competitors, like Allstate, Progressive, GEICO, State Farm, & Farmers.
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National General Auto Insurance Review (Formerly GMAC)
GMAC personal lines insurance was re-branded as National General Insurance Group in July 2013. Most of the National General companies focus on selling nonstandard auto insurance in most US states (except Hawaii & Massachusetts), for drivers not qualifying for standard auto insurance rates, due to their driving record or other factors. National General has 10 subsidiary companies selling auto insurance, with some subsidiaries selling direct from the company, through the National General website or company call centers, and some subsidiaries available only from independent insurance agents appointed to represent them.
National General insures autos and other vehicles, but it does not insure homes or personal property, and does not sell its own home, condo or renters insurance. If you buy direct from the company, National General acts as an agent, and partners with other insurance companies, to sell their partner companies’ home, condo, or renters insurance. If you get a home insurance price quote from National General, the company (or companies) they quote you will depend on where you live.
From the National General website: “Insurance Policies purchased through the National General Insurance Homeowners Program are underwritten by select providers of homeowners, renters, condo, and other specialty insurance. Underwriting partners and coverage options vary by state and type of policy.”
This review will analyze the AM Best, JD Power ratings and auto insurance complaint statistics for the National General auto insurance companies. If you purchased (or you are planning to purchase) home insurance from National General, have National General confirm the name of the insurance company insuring your home (its name will appear on your home insurance declarations page, too), and visit my website’s homepage, to check my home insurance complaint ratings for the company.
This National General (formerly GMAC) Insurance Companies review is divided into four sections, consisting of: 1. its AM Best Financial Strength Ratings, 2. JD Power insurance customer & claims satisfaction scores & ratings for National General (GMAC) compared to competing companies 3. its auto insurance customer complaint ratings, and 4. information about competing auto insurance companies, and how their complaint records compare to the National General (formerly GMAC) companies.
1. AM Best Financial Strength Ratings for the National General Insurance Companies
The National General Insurance Group companies had their A- (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) reaffirmed on 5/29/2015. A- is the fourth highest rating for AM Best. I become concerned with any car or homeowners insurance company or subsidiary with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the National General companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have higher financial strength ratings than the National General companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
2. National General / GMAC JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, & 2015
This section of the review will analyze the JD Power ratings & numerical scores for National General Insurance (formerly GMAC), in all the JD Power insurance studies where the company was included in the last few years, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.
I’ll compare the numerical scores (instead of the power circle rating) for National General / GMAC auto insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2015) where it was rated. National General / GMAC was included in the following annual JD Power insurance studies:
The Annual JD Power Auto Insurance Customer Satisfaction Study
The Annual JD Power Auto Insurance Claims Satisfaction Study
You can scroll down to read my analysis or summaries of the studies most interesting to you.
The Annual JD Power Auto Insurance Customer Satisfaction Study
National General / GMAC is rated in only one of the eleven regional studies (The Southeast Region) composing the annual JD Power US Auto Insurance Customer Satisfaction Study. National General / GMAC has too small a sample share in other regions, and was not included in the 2014 study at all for this same reason. If your state is not included in the Southeast region, the results for National General / GMAC in this region may still be a good proxy for how National General performs in your state.
Southeast Region (AL, GA, KY, LA, MS, NC, SC, TN), including FL in the 2012 study only.
2014: National General / GMAC was not included in the 2014 JD Power Auto Insurance Customer Satisfaction study.
2013: National General / GMAC scored 13 points (on a 1,000 point scale) or 1.3% below the 2013 Southeast region average, at 791 out of 1,000 points.
These companies scored 1.9% or more higher than National General / GMAC in the 2013 Southeast Region study: USAA, Tennessee Farm Bureau, State Farm, North Carolina Farm Bureau, Auto-Owners, Alfa, and Liberty Mutual.
These companies scored .1% or more lower than National General / GMAC in the 2013 Southeast Region study: Allstate and Kentucky Farm Bureau.
2012: National General / GMAC scored 26 points (on a 1,000 point scale) or 2.6% below the 2012 Southeast region average, at 785 out of 1,000 points.
These companies scored .9% or more higher than National General / GMAC in the 2012 Southeast Region study: USAA, Tennessee Farm Bureau, North Carolina Farm Bureau, State Farm, GEICO, Kentucky Farm Bureau, Allstate, Auto-Owners, Nationwide, Progressive, Metlife, Alfa, Liberty Mutual, and The Hartford.
These companies scored 1.1% or more lower than National General / GMAC in the 2012 Southeast Region study: 21st Century, Safeco, and Direct General.
Southeast Region Auto Insurance Satisfaction Summary: National General / GMAC scored 2.6%, and 1.3% below the region average each year in the 2012 & 2013 studies respectively, but was not included in the 2014 study. The scores for National General / GMAC in the 2012 & 2013 studies are only 6 points apart (on a 1,000 point scale), in spite of the variance in how far below average it performed in each of these years. Although there is no score for 2014, I would expect below average auto insurance customer satisfaction for National General / GMAC in the Southeast region states of AL, GA, KY, LA, MS, NC, SC, and TN.
The Annual JD Power Auto Insurance Claims Satisfaction Study
National General / GMAC had too small a sample share of responding customers in 2013 & 2014, so it was not scored or rated in these two years.
2014: National General / GMAC was not included in the 2014 JD Power Auto Claims Satisfaction study.
2013: National General / GMAC was not included in the 2013 JD Power Auto Claims Satisfaction study.
2012: National General / GMAC scored 5 points (on a 1,000 point scale) or .5% below the 2012 JD Power Auto Claims Satisfaction study average, at 847 out of 1,000 points.
These companies scored 1% or more higher than National General / GMAC in the 2012 JD Power Auto Claims Satisfaction study: NJ Manufacturers, USAA, Auto-Owners, Amica, Erie, Automobile Club of Southern California, Country, American Family, The Hartford, State Farm, Allstate, and Travelers.
These companies scored 2.3% or more lower than National General / GMAC in the 2012 JD Power Auto Claims Satisfaction study: Mercury, 21st Century, Encompass, Esurance, and Commerce (MAPFRE).
Auto Insurance Claims Satisfaction Summary: National General / GMAC scored .5% below the national average in the 2012 JD Power Auto Claims Satisfaction study, but was not rated in the 2013 & 2014 studies. Based on its performance in 2012, I would expect slightly lower to average auto claims satisfaction from National General.
3. National General (GMAC) Insurance Group Auto Insurance Complaint Statistics & Ratings
Another measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. This section of the review will show you if National General auto & home insurance has a better-than-average, average, or below-average complaint record for 2010, 2011, 2012, 2013 & 2014.
You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are better or worse than others, but you never really know how good your insurance company will be, until you have a serious claim. The good news is many insurance companies settle a good portion of their claims in a manner acceptable to the majority of their customers. However, the wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints.
The most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this National General Insurance Group review are the number of upheld complaints filed against the National General companies with a state’s insurance regulatory authority, adjusted for each subsidiary company’s market share, as determined by the National Association of Insurance Commissioners. This review provides valuable information to help you decide if National General is best for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
The complaint statistics, called complaint ratios, used in this National General Insurance review are the number of upheld complaints filed against each of the National General companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.
The complaint ratios for the National General insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if National General has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
As mentioned earlier in this review, National General has ten subsidiary companies insuring private passenger vehicles in the states where the company sells auto insurance. The use of more than one auto insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or for selling through different sales channels, such as buying direct from the company or buying from an independent insurance agency. Each subsidiary has its own rates, so if you receive auto insurance quotes direct from the company and from an independent insurance agent, the prices are likely to be different.
National General auto insurance complaint record considering all subsidiaries:
Worse than average
Here is the auto insurance complaint data for the National General subsidiaries insuring autos in the USA:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.40)
2015 US auto insurance premium = $81,401,557
2014 Auto Insurance Complaint Ratio = W (2.94)
2014 US auto insurance premium = $79,855,660
2013 Auto Insurance Complaint Ratio = W (2.75)
2013 US auto insurance premium = $67,286,843
2012 Auto Insurance Complaint Ratio = W (1.78)
2012 US auto insurance premium = $90,226,737
2011 Auto Insurance Complaint Ratio = W (3.21)
2011 US auto insurance premium = $68,970,985
2010 Auto Insurance Complaint Ratio = W (1.88)
2010 US auto insurance premium = $36,019,709
National General Insurance Online, Inc. is available in the states of Alabama, Arizona, Florida, Illinois, Indiana, Missouri, Oregon, Pennsylvania, South Carolina, Tennessee, & Washington.
The National General Insurance Online, Inc. subsidiary has a worse-than-average auto insurance complaint history over the last five years, with its number of auto insurance complaints in its worst year (2011) during this period at 321% of the industry average. The auto insurance market share for National General Insurance Online, Inc. increased from 2013 to 2014, which may be an indication National General Insurance Online, Inc. now has more competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (2.35)
2015 US auto insurance premium = $120,969,590
2014 Auto Insurance Complaint Ratio = W (1.77)
2014 US auto insurance premium = $120,257,803
2013 Auto Insurance Complaint Ratio = W (2.54)
2013 US auto insurance premium = $136,824,234
2012 Auto Insurance Complaint Ratio = W (1.44)
2012 US auto insurance premium = $148,521,013
2011 Auto Insurance Complaint Ratio = C- (1.18)
2011 US auto insurance premium = $136,802,192
2010 Auto Insurance Complaint Ratio = C- (1.22)
2010 US auto insurance premium = $131,419,508
National General Assurance Company is available in the states of Alabama, Arizona, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Louisiana, Maryland, Minnesota, Missouri, Montana, North Dakota, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Texas, Tennessee, Utah, Virginia, Washington, West Virginia, & Wyoming.
The National General Assurance Company subsidiary has a higher than average number of auto insurance complaints every year, over the last five years, with its number of auto insurance complaints in its worst year during this period (2013), at 154% more than the industry average. The auto insurance market share for National General Assurance Company has decreased each year since 2012, which may be an indication National General Assurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (3.71)
2015 US auto insurance premium = $141,320,321
2014 Auto Insurance Complaint Ratio = W (2.96)
2014 US auto insurance premium = $151,116,501
2013 Auto Insurance Complaint Ratio = W (1.60)
2013 US auto insurance premium = $163,409,298
2012 Auto Insurance Complaint Ratio = W (1.54)
2012 US auto insurance premium = $179,736,108
2011 Auto Insurance Complaint Ratio = C+ (.81)
2011 US auto insurance premium = $178,899,532
2010 Auto Insurance Complaint Ratio = B (.67)
2010 US auto insurance premium = $189,571,405
National General Insurance Company is available in almost all of the US states except Delaware, Hawaii, & Massachusetts.
The National General Insurance Company subsidiary has a much higher than average number of auto insurance complaints in 2012, 2013 & 2014, with its number of auto insurance complaints at 196% more than the annual industry average in 2014. Although the company had less than the average number of auto insurance complaints for 2010 & 2011, the results for the most recent years are most relevant. The auto insurance market share for National General Insurance Company has decreased each year since 2012, which may be an indication National General Insurance Company does not have competitive pricing for its auto insurance, in at least some of the states where it operates.
National General Premier Insurance Company Auto Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Auto Insurance Complaint Ratio = B (.51)
2017 US auto insurance premium = $44,589,781
2016 Auto Insurance Complaint Ratio = B (.67)
2016 US auto insurance premium = $16,188,017
2015 Auto Insurance Complaint Ratio = C (1.00)
2015 US auto insurance premium = $11,372,930
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.35)
2015 US auto insurance premium = $59,206,311
2014 Auto Insurance Complaint Ratio = C+ (.77)
2014 US auto insurance premium = $68,858,980
2013 Auto Insurance Complaint Ratio = B (.45)
2013 US auto insurance premium = $72,071,009
2012 Auto Insurance Complaint Ratio = B (.39)
2012 US auto insurance premium = $68,550,910
2011 Auto Insurance Complaint Ratio = B (.26)
2011 US auto insurance premium = $64,998,559
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $67,363,636
MIC General Insurance Corporation is available in the states of Alaska, Alabama, Arizona, California, Florida, Georgia, Indiana, Michigan, Missouri, New Jersey, Ohio, Oklahoma, Pennsylvania, & Tennessee.
The MIC General Insurance Corporation subsidiary has maintained a lower than average number of auto insurance complaints each year since 2010, with its number of auto insurance complaints in its worst year during this period (2014), still only 77% of the industry average. The auto insurance market share for MIC General Insurance Corporation has decreased from 2013 to 2014, which may be an indication MIC General Insurance Corporation no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (1.01)
2015 US auto insurance premium = $45,178,605
2014 Auto Insurance Complaint Ratio = C (1.04)
2014 US auto insurance premium = $72,087,253
2013 Auto Insurance Complaint Ratio = B (.28)
2013 US auto insurance premium = $116,515,625
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $137,472,332
2011 Auto Insurance Complaint Ratio = B (.33)
2011 US auto insurance premium = $127,249,308
2010 Auto Insurance Complaint Ratio = B (.21)
2010 US auto insurance premium = $121,236,236
New South Insurance Company is available in the states of Georgia, Missouri, North Carolina, New York, Ohio, Rhode Island, Tennessee, Virginia, & Washington.
The New South Insurance Company subsidiary maintained a better-than-average auto insurance complaint history from 2010 to 2013, but its number of auto insurance complaints in 2014 was 4% more than the industry average. The auto insurance market share for New South Insurance Company decreased greatly each year since 2012, which may be an indication New South Insurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.31)
2015 US auto insurance premium = $73,727,158
2014 Auto Insurance Complaint Ratio = B (.14)
2014 US auto insurance premium = $77,696,453
2013 Auto Insurance Complaint Ratio = B (.14)
2013 US auto insurance premium = $79,796,653
2012 Auto Insurance Complaint Ratio = B (.14)
2012 US auto insurance premium = $63,022,369
2011 Auto Insurance Complaint Ratio = B (.28)
2011 US auto insurance premium = $60,737,366
2010 Auto Insurance Complaint Ratio = B (.29)
2010 US auto insurance premium = $58,811,230
Integon Casualty Insurance Company is available in the states of Connecticut, North Carolina, New York, Tennessee, & Virginia.
The Integon Casualty Insurance Company subsidiary has maintained a better-than-average auto insurance complaint history over the last five years, with its number of auto insurance complaints in its worst year during this period, at 29% of the industry average. The auto insurance market share for Integon Casualty Insurance Company has decreased slightly from 2013 to 2014, which may be an indication Integon Casualty Insurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where it operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.51) 5
2015 US auto insurance premium = $37,601,817
2014 Auto Insurance Complaint Ratio = B (.38)
2014 US auto insurance premium = $28,195,566
2013 Auto Insurance Complaint Ratio = C (1.01)
2013 US auto insurance premium = $21,523,467
2012 Auto Insurance Complaint Ratio = B (0) (No Complaints)
2012 US auto insurance premium = $25,948,749
2011 Auto Insurance Complaint Ratio = B (0) (No Complaints)
2011 US auto insurance premium = $28,930,550
2010 Auto Insurance Complaint Ratio = B (.36)
2010 US auto insurance premium = $23,834,615
Integon General Insurance Corporation is available in the states of Alabama, Colorado, Florida, Georgia, Missouri, North Carolina, Ohio, Rhode Island, South Carolina, Tennessee, & Virginia.
The Integon General Insurance Corporation subsidiary has maintained a better-than-average auto insurance complaint history in four of the last five years, with its number of auto insurance complaints in its worst year during this period (2013), at only 1% more than the industry average. The auto insurance market share for Integon General Insurance Corporation increased from 2013 to 2014, which may be an indication Integon General Insurance Corporation now has more competitive pricing for its auto insurance, in at least some of the states where it operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (1.14)
2015 US auto insurance premium = $40,529,189
2014 Auto Insurance Complaint Ratio = W (4.44)
2014 US auto insurance premium = $26,433,738
2013 Auto Insurance Complaint Ratio = W (1.42)
2013 US auto insurance premium = $38,201,090
2012 Auto Insurance Complaint Ratio = W (1.42)
2012 US auto insurance premium = $50,291,881
2011 Auto Insurance Complaint Ratio = B (.60)
2011 US auto insurance premium = $56,858,952
2010 Auto Insurance Complaint Ratio = B (.15)
2010 US auto insurance premium = $57,288,354
Integon Indemnity Corporation is available in the states of Alaska, Alabama, Arizona, Colorado, Florida, Georgia, Iowa, Kentucky, Missouri, North Carolina, New York, Ohio, Pennsylvania, Rhode Island, Virginia, & Washington.
The Integon Indemnity Corporation subsidiary has a much higher than average number of auto insurance complaints in 2012, 2013 & 2014, with its number of auto insurance complaints in 2014 at 344% more than the industry average. Although the company had less than the average number of auto insurance complaints for 2010 & 2011, the results for the most recent years are more relevant. The auto insurance market share for Integon Indemnity Corporation has decreased each year over the last five years, which may be an indication Integon Indemnity Corporation does not have competitive pricing for its auto insurance, in at least some of the states where it operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (2.17)
2015 US auto insurance premium = $508,593,839
2014 Auto Insurance Complaint Ratio = W (1.80)
2014 US auto insurance premium = $461,781,811
2013 Auto Insurance Complaint Ratio = W (1.68)
2013 US auto insurance premium = $420,465,546
2012 Auto Insurance Complaint Ratio = C (1.05)
2012 US auto insurance premium = $407,212,906
2011 Auto Insurance Complaint Ratio = B (.69)
2011 US auto insurance premium = $321,681,242
2010 Auto Insurance Complaint Ratio = C- (1.07)
2010 US auto insurance premium = $301,495,938
Integon National Insurance Company is the largest auto insurance subsidiary in the National General Insurance Group, more than two times larger than the next largest auto insurance subsidiary in the group. If you received an auto insurance quote from General National, its a good chance this is the subsidiary company being quoted, if you live in a state where this company operates.
Integon National Insurance Company is available in the states of Alabama, Arizona, California, Colorado, Florida, Georgia, Iowa, Illinois, Michigan, Minnesota, Missouri, Mississippi, North Carolina, North Dakota, Nebraska, New York, Ohio, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Vermont, & Wisconsin.
The Integon National Insurance Company subsidiary has a higher than average number of auto insurance complaints in four of the last five years, with its number of auto insurance complaints in its worst year during this period (2014), at 80% more than the industry average. The auto insurance market share for National General Assurance Company has increased greatly each year since 2010, which may be a strong indication of competitive pricing for its auto insurance, in at least some of the states where it operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (4.59)
2015 US auto insurance premium = $119,039,753
2014 Auto Insurance Complaint Ratio = W (2.62)
2014 US auto insurance premium = $110,014,365
2013 Auto Insurance Complaint Ratio = C (1.04)
2013 US auto insurance premium = $62,547,219
2012 Auto Insurance Complaint Ratio = C- (1.14)
2012 US auto insurance premium = $54,882,749
2011 Auto Insurance Complaint Ratio = C- (1.22)
2011 US auto insurance premium = $55,680,464
2010 Auto Insurance Complaint Ratio = C+ (.93)
2010 US auto insurance premium = $54,758,156
Integon Preferred Insurance Company is available in the states of California, Florida, Georgia, New York, Ohio, South Carolina, Virginia, & Washington.
The Integon Preferred Insurance Company subsidiary has a higher than average number of auto insurance complaints in the most recent four of the last five years, with its number of auto insurance complaints in 2014 at 162% more than the industry average. The auto insurance market share for Integon Preferred Insurance Company has increased greatly from 2013 to 2014, almost doubling in size, which may be a strong indication Integon Preferred Insurance Company now has competitive pricing for its auto insurance, in at least some of the states where it operates.
Century National Insurance Company Auto Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Auto Insurance Complaint Ratio = W (8.10)
2017 US auto insurance premium = $71,338,176
2016 Auto Insurance Complaint Ratio = W (5.97)
2016 US auto insurance premium = $72,566,413
2015 Auto Insurance Complaint Ratio = W (4.93)
2015 US auto insurance premium = $39,306,789
Agent Alliance Insurance Company Auto Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Auto Insurance Complaint Ratio = B (0) (No complaints)
2017 US auto insurance premium = $2,532,260
2016 Auto Insurance Complaint Ratio = B (0) (No complaints)
2016 US auto insurance premium = $3,342,978
2015 Auto Insurance Complaint Ratio = W (4.98) 2
2015 US auto insurance premium = $4,570,278
Standard Property & Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Auto Insurance Complaint Ratio = C (.83) 2
2017 US auto insurance premium = $27,293,055
2016 Auto Insurance Complaint Ratio = B (0) (No complaints)
2016 US auto insurance premium = $27,342,614
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $26,639,704
These five National General / Integon subsidiaries have recently started selling residential property insurance. Here are their home insurance complaint records:
National General Insurance Company Home Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Home Insurance Complaint Ratio = W (6.95) 10
2017 US home insurance premium = $15,767,324
2016 Home Insurance Complaint Ratio = W (8.81) 5
2016 US home insurance premium = $5,943,990
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $6,531
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.26)
2015 US home insurance premium = $113,916,666
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $10,507,976
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $1,389,204
2012 Home Insurance Complaint Ratio = No home policies in force
2012 US home insurance premium = $0
B = Better than Average C = Average W = Worse than Average
2017 Home Insurance Complaint Ratio = B (0) (No complaints)
2017 US home insurance premium = $68,698,260
2016 Home Insurance Complaint Ratio = B (0) (No complaints)
2016 US home insurance premium = $54,200,485
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $54,064,029
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $3,119,449
2013 Home Insurance Complaint Ratio = No home policies in force
2013 US home insurance premium = $0
Century National Insurance Company Home Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Home Insurance Complaint Ratio = W (2.88)
2017 US home insurance premium = $72,318,443
2016 Home Insurance Complaint Ratio = W (2.22)
2016 US home insurance premium = $70,828,912
2015 Home Insurance Complaint Ratio = W (1.56)
2015 US home insurance premium = $63,810,244
Standard Property & Casualty Insurance Company Home Insurance Complaint Statistics & Ratings
B = Better than Average C = Average W = Worse than Average
2017 Home Insurance Complaint Ratio = B (0) (No complaints)
2017 US home insurance premium = $16,828,233
2016 Home Insurance Complaint Ratio = B (.56) 1
2016 US home insurance premium = $18,664,786
2015 Home Insurance Complaint Ratio = B (.51) 1
2015 US home insurance premium = $19,455,100
These auto & home insurance companies below were acquired by National General in 2014:
B = Better than Average C = Average W = Worse than Average
As of 2019 (and most likely earlier), Personal Express Insurance Company no longer exists.
2014 Auto Insurance Complaint Ratio = C (1.00)
2014 US auto insurance premium = $10,664,120
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $9,267,141
2012 Auto Insurance Complaint Ratio = C (1.01)
2012 US auto insurance premium = $8,828,643
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $8,413,420
In 2014, National General Holdings Corporation purchased Personal Express Insurance Company, a small insurance company selling auto & home insurance direct to consumers in the state of California only, from AmTrust Financial Services, Inc. We’ll see in the future if National General will use this subsidiary to expand its business, or just maintain it as a runoff company. Because this subsidiary have very, very little auto insurance market share, so the one auto insurance complaint each year in 2012 & 2014 resulted in worse than average auto insurance complaint ratios.
Above are the auto insurance complaint statistics for Personal Express, and its homeowners insurance complaint statistics are below. If you are a California auto or home owner, and interested in getting a price quote from Personal Express, you can visit the Personal Express Insurance Company website.
B = Better than Average C = Average W = Worse than Average
As of 2019 (and most likely earlier), Personal Express Insurance Company no longer exists.
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $5,932,946
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $5,806,186
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $5,586,249
2011 Home Insurance Complaint Ratio = W (1.57)
2011 US home insurance premium = $5,166,485
Also in 2014, National General Holdings Corporation acquired certain assets of Imperial Management Corporation, including its underwriting subsidiaries Imperial Fire & Casualty Insurance Company and National Automotive Insurance Company. Click this link to see my ratings for the 2010-2014 home & auto insurance complaint statistics for Imperial Fire & Casualty Insurance Company review in my Imperial Fire & Casualty Insurance Company review. Below are the auto insurance complaint statistics for National Automotive Insurance Company.
B = Better than Average C = Average W = Worse than Average
As of 2019 (and most likely earlier), National Automotive Insurance Company no longer exists.
2014 Auto Insurance Complaint Ratio = W (1.40)
2014 US auto insurance premium = $22,817,836
2013 Auto Insurance Complaint Ratio = W (2.06)
2013 US auto insurance premium = $21,142,209
2012 Auto Insurance Complaint Ratio = W (1.38)
2012 US auto insurance premium = $19,426,657
2011 Auto Insurance Complaint Ratio = W (4.45)
2011 US auto insurance premium = $19,131,299
4. National General (Formerly GMAC) Auto Insurance Complaint Ratings Compared to Major Competitors
National General auto insurance complaint record considering all its subsidiaries:
Worse than average
Below is how the National General insurance complaint record for the largest National General subsidiaries compare to a few major competitors. You can also go to this review on my website here, to see at a glance how National General / Integon performs compared to over 40 other U.S. auto insurance companies.
Allstate Insurance
Auto insurance complaint record: The Allstate subsidiaries have a history of better annual auto insurance complaint ratios compared to the larger National General companies.
You can check Allstate’s complaint statistics in my Allstate Insurance complaints & ratings review here.
State Farm Insurance
Auto insurance complaint record: The State Farm subsidiaries have a history of better annual auto insurance complaint ratios than the larger National General companies.
You can check the State Farm complaint statistics in my State Farm Insurance complaints & ratings review here.
Farmers Insurance
Auto insurance complaint record: Most of the many Farmers Insurance Group companies have a history of better annual auto insurance complaint ratios compared to the larger National General companies.
GEICO Insurance
Auto insurance complaint record: The GEICO companies, except for GEICO Casualty Company, have a history of better annual auto insurance complaint ratios compared to the larger National General companies. GEICO Casualty, which sells nonstandard auto insurance, like many of the National General companies, has an auto insurance complaint record similar to the larger National General companies.
You can check the GEICO complaint statistics in my GEICO Insurance complaints & ratings review here.
Progressive Insurance
Auto insurance complaint record: Most of the many Progressive Insurance Group companies have a history of better annual auto insurance complaint ratios than the larger National General companies. These Progressive subsidiaries have about the same auto insurance complaint ratios as the larger National General companies: Progressive Express Insurance Company, Progressive Southeastern Insurance Company, & United Financial Casualty Company.
You can check the Progressive complaint statistics in my Progressive Insurance complaints & ratings review here.