Auto insurance · Updated August 2026
GEICO vs National General
GEICO is built for drivers who buy direct and manage the policy in the app. National General is built for drivers with mixed records, through independent agents. On the NAIC's 2025 complaint index, GEICO General Ins. Co. drew 0.88 and Integon National Ins. Co. drew 3.97, against an industry median of 1.00. AM Best rates GEICO A++ and National General A+. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Dylan Leggett, licensed insurance agent · NPN 17875887
The short answer
GEICO has written auto since 1936 and writes through GEICO group companies, part of Berkshire Hathaway. GEICO General Ins. Co. drew 0.88 on the NAIC's 2025 complaint index, 536 complaints on $12.8 billion of private-passenger premium. AM Best rates it A++, the highest grade it issues. 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 tradeoffs: it drew 3.97 on the 2025 complaint index against GEICO's 0.88, and AM Best rates it A+ against GEICO's A++.
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
GEICO vs National General: the data sheet
Sources are listed under the measured figures. How we compare
GEICO | National General | |
|---|---|---|
| Built for | Drivers who buy direct and manage the policy in the app | Drivers with mixed records, through independent agents |
| Who underwrites it | GEICO group companies, part of Berkshire Hathaway | Integon group companies, part of Allstate |
| Complaints per policyGEICO, by a wide margin | 0.88 536 complaints on $12.8B written | 3.97 308 complaints on $1.6B written |
NAIC complaint index, 2025, private passenger auto · GEICO General Ins. Co. vs Integon National Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; GEICO a step higher | A++ Superior | A+ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyTied | 5 lines auto, motorcycle, renters, home, rv | 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 | 4.80 4,753,999 ratings | 4.81 41,980 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | DriveEasy | DynamicDrive |
| Availability | All 50 states | All 50 states and Washington, D.C. |
| Known for | Direct sales, fast quotes, multi-policy discounts | Independent agents, RV and specialty lines |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, GEICO General Ins. Co. drew 0.88 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 GEICO A++ and National General 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
GEICO policies are written by GEICO group companies, part of Berkshire Hathaway. 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. GEICO writes auto, motorcycle, renters, home, and RV. National General writes auto, home, motorcycle, RV, and renters. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: GEICO 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. GEICO 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: DriveEasy at GEICO, 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.