Auto insurance · Updated August 2026
Allstate vs National General
Allstate is built for drivers who want a local agent and bundled home coverage. National General is built for drivers with mixed records, through independent agents. On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Integon National Ins. Co. drew 3.97, against an industry median of 1.00. AM Best rates both companies A+. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Armando Chavarria, licensed insurance agent · NPN 17042827
The short answer
Allstate has written auto since 1931 and writes through Allstate group companies. Allstate Fire & Casualty Ins. Co. drew 0.82 on the NAIC's 2025 complaint index, 454 complaints on $11.7 billion of private-passenger premium. The tradeoff: it writes in all 50 states against National General's all 50 states and Washington, D.C.
National General has written auto since 1939 and writes through Integon group companies, part of Allstate. The tradeoff: it drew 3.97 on the 2025 complaint index against Allstate's 0.82.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
Allstate vs National General: the data sheet
Sources are listed under the measured figures. How we compare
Allstate | National General | |
|---|---|---|
| Built for | Drivers who want a local agent and bundled home coverage | Drivers with mixed records, through independent agents |
| Who underwrites it | Allstate group companies | Integon group companies, part of Allstate |
| Complaints per policyAllstate, by a wide margin | 0.82 454 complaints on $11.7B written | 3.97 308 complaints on $1.6B written |
NAIC complaint index, 2025, private passenger auto · Allstate Fire & Casualty Ins. Co. vs Integon National Ins. Co. · 1.00 is the industry median | ||
| Financial strengthTied at A+ | A+ Superior | A+ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyTied | 5 lines auto, home, renters, motorcycle, life | 5 lines auto, home, motorcycle, rv, renters |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appEffectively tied | 4.79 1,257,155 ratings | 4.81 41,980 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | Drivewise | DynamicDrive |
| Availability | All 50 states | All 50 states and Washington, D.C. |
| Known for | Drivewise rewards, Milewise pay-per-mile in some states | Independent agents, RV and specialty lines |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Allstate Fire & Casualty Ins. Co. drew 0.82 and Integon National Ins. Co. drew 3.97, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates both companies A+. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Allstate policies are written by Allstate group companies. National General policies are written by Integon group companies, part of Allstate. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Both write five lines. Allstate writes auto, home, renters, motorcycle, and life. National General writes auto, home, motorcycle, RV, and renters. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Allstate or National General?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Availability decides some matchups. Allstate writes in all 50 states. National General writes in all 50 states and Washington, D.C. Where only one of them writes in your state, the comparison answers itself.
Telematics moves the number. Both run a program: Drivewise at Allstate, DynamicDrive at National General. A telematics program measures driving through an app or a plug-in device and adjusts the price on the result. The size of that adjustment is filed per state.
One application. Real prices from the carriers writing in your state.