Auto insurance · Updated August 2026
State Farm vs National General
State Farm is built for drivers who want a local agent with a national carrier. National General is built for drivers with mixed records, through independent agents. On the NAIC's 2025 complaint index, State Farm Mutual Automobile Ins. Co. drew 0.59 and Integon National Ins. Co. drew 3.97, against an industry median of 1.00. AM Best rates State Farm A++ and National General A+. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Kevin Lee, licensed insurance agent · NPN 19669698
The short answer
State Farm has written auto since 1922 and writes through State Farm Mutual Automobile Insurance Co. and subsidiaries. State Farm Mutual Automobile Ins. Co. drew 0.59 on the NAIC's 2025 complaint index, 1,815 complaints on $64.6 billion of private-passenger premium. AM Best rates it A++, the highest grade it issues. The tradeoff: it writes in 48 states and Washington, D.C. 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 State Farm's 0.59, and AM Best rates it A+ against State Farm'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
State Farm vs National General: the data sheet
Sources are listed under the measured figures. How we compare
State Farm | National General | |
|---|---|---|
| Built for | Drivers who want a local agent with a national carrier | Drivers with mixed records, through independent agents |
| Who underwrites it | State Farm Mutual Automobile Insurance Co. and subsidiaries | Integon group companies, part of Allstate |
| Complaints per policyState Farm, by a wide margin | 0.59 1,815 complaints on $64.6B written | 3.97 308 complaints on $1.6B written |
NAIC complaint index, 2025, private passenger auto · State Farm Mutual Automobile Ins. Co. vs Integon National Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; State Farm a step higher | A++ Superior | A+ Superior |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyTied | 5 lines auto, home, renters, life, umbrella | 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 1,246,642 ratings | 4.81 41,980 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | Drive Safe & Save | DynamicDrive |
| Availability | 48 states and Washington, D.C. | All 50 states and Washington, D.C. |
| Known for | Largest U.S. auto insurer, local agent network | Independent agents, RV and specialty lines |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, State Farm Mutual Automobile Ins. Co. drew 0.59 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 State Farm 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
State Farm policies are written by State Farm Mutual Automobile Insurance Co. and subsidiaries. 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. State Farm writes auto, home, renters, life, and umbrella. National General writes auto, home, motorcycle, RV, and renters. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: State Farm 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. State Farm writes in 48 states and Washington, D.C. 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: Drive Safe & Save at State Farm, 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.