National General Car Insurance — Pennsylvania
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National General Writes Pennsylvania Multi-Car Policies
National General operates in Pennsylvania as a standard-tier carrier offering online quotes for households insuring multiple vehicles. The carrier writes SR-22, non-owner, and after-DUI policies statewide, which signals a broader underwriting appetite than many preferred-tier competitors. For households managing two or more cars, this means National General will quote the policy even when one driver carries points or a recent violation.
The carrier's NAIC group code is 008, rated AM Best A+ as part of the Allstate group. Pennsylvania residents can obtain quotes directly through nationalgeneral.com without broker intermediation. The standard-tier classification places National General between preferred carriers like Erie or State Farm and non-standard specialists like Bristol West or Dairyland.
“National General re-rates the entire policy when you add a vehicle mid-term, increasing the premium for cars already on the account.”
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Pennsylvania Multi-Car Writers
National General is one of 15 carriers in Pennsylvania's standard and non-standard tiers that write policies covering multiple vehicles on one account. The carrier roster includes both online-quote and broker-required options.
Pennsylvania carrier roster, 2025
Same-Policy Requirement for the Multi-Car Discount
National General's multi-car discount requires every vehicle to sit on the same policy. This is standard across most carriers, but the structural reality matters when you are combining two existing policies or adding a vehicle mid-term. If you and a spouse each carry a separate National General policy and want to merge them, the carrier treats this as a new policy application: both policies cancel, a new policy is written with all vehicles listed, and the multi-car discount applies to the combined account.
The same-policy requirement blocks a common misconception: you cannot keep two separate National General policies active and receive the multi-car discount on both. The discount applies once, to one policy, covering all household vehicles. If a household member's car is titled to them and they maintain their own policy with a different carrier, that vehicle does not count toward your National General multi-car discount.
Adding a vehicle to an existing National General policy mid-term triggers re-rating. The carrier recalculates the premium for every vehicle on the policy, not just the newly added car. This means your total premium can increase by more than the cost of insuring the new vehicle alone, because the multi-car discount percentage may shift or base rates may adjust when the household vehicle count changes.
National General re-rates the entire policy when you add a vehicle mid-term, which can increase the premium for cars already on the account.
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How National General Compares to Other Pennsylvania Carriers
National General sits in the standard tier alongside carriers like Geico, Progressive, and Farmers. This tier typically offers broader underwriting than preferred carriers (State Farm, Erie, Amica) but narrower than non-standard specialists (Bristol West, Dairyland, The General). For multi-car households, this positioning matters when one driver has a recent violation or points: National General will quote the policy where a preferred carrier might decline or exclude the driver.
The carrier's online-quote availability distinguishes it from broker-required competitors like Auto-Owners or Bristol West. Households comparing rates across multiple carriers can obtain a National General quote directly without waiting for agent contact. This speeds the comparison process when you are structuring coverage for two or more vehicles and need quotes from several carriers to identify the lowest combined premium.
National General's AM Best A+ rating reflects the financial strength of its parent group, Allstate. For households managing multiple vehicles over several years, carrier stability matters: a financially strong carrier is more likely to remain in the market and honor claims without dispute. Pennsylvania does not publish carrier complaint ratios publicly, so the AM Best rating serves as a proxy for claims-handling reliability.
$15,000 / $30,000 / $5,000
Pennsylvania Minimum Liability Limits
Pennsylvania requires $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage as minimum liability coverage. National General writes policies meeting these minimums and allows households to increase limits.
Pennsylvania state insurance requirements
Adding a Vehicle to Your National General Policy
National General allows policyholders to add a vehicle online or by phone. Pennsylvania law does not specify a grace period for adding newly purchased vehicles, so the carrier's internal policy governs: most carriers, including National General, extend automatic coverage to a newly acquired vehicle for a limited window (typically 14 to 30 days) if you already insure at least one vehicle on the policy. After that window, an unreported vehicle is not covered.
When you add a vehicle, National General requires the VIN, title information, and garaging address. If the new vehicle is financed, the lienholder must be listed on the policy. The carrier will re-rate the policy immediately, and your premium adjusts for the remainder of the current term. The multi-car discount applies once all vehicles are listed on the same policy, but the discount percentage may change when the vehicle count increases.
Compare National General Against Other Pennsylvania Carriers
National General is one option among 15 carriers writing multi-car policies in Pennsylvania. Households managing two or more vehicles should compare quotes from at least three carriers to identify the lowest combined premium. The multi-car discount percentage, base rates, and underwriting appetite vary across carriers, so the cheapest option for one household may not be the cheapest for another.
Start by confirming which carriers write your household's vehicle types and driver profiles. National General writes standard and non-standard risks, but preferred carriers like Erie or State Farm may offer lower rates if every driver has a clean record. Non-standard specialists like Bristol West or Dairyland may quote lower if one driver carries recent violations. Pennsylvania's carrier roster includes both online-quote and broker-required options; compare across both channels to find the policy that fits your household's vehicle count and coverage needs.
What National General Covers for Pennsylvania Households
Pennsylvania requires $15,000 bodily injury per person, $30,000 bodily injury per accident, and $5,000 property damage as minimum liability limits. The state also mandates personal injury protection (PIP) coverage. National General writes policies that meet these minimums and allows households to increase limits beyond the statutory floor. Uninsured motorist coverage is not required in Pennsylvania but is available as an optional add-on.
For households insuring multiple vehicles, National General allows different coverage levels on each car. You can carry full coverage (liability, collision, and comprehensive) on a financed vehicle while maintaining liability-only on an older paid-off car. The multi-car discount applies to the policy as a whole, regardless of whether every vehicle carries the same coverage tier.
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Get My Pennsylvania Car Insurance QuoteFrequently Asked Questions
Does National General offer multi-car discounts in Pennsylvania?
Yes, National General offers a multi-car discount in Pennsylvania when you insure two or more vehicles on the same policy. The discount applies to the combined policy, not to each vehicle individually, and requires every vehicle to be listed on one account.
Can I get a National General quote online in Pennsylvania?
Yes, National General provides online quotes for Pennsylvania residents through nationalgeneral.com. You do not need a broker to obtain a quote, which speeds the comparison process when you are evaluating multiple carriers for a multi-car policy.
What happens if I add a car to my National General policy mid-term?
National General re-rates your entire policy when you add a vehicle mid-term, recalculating the premium for every car on the account. Your total premium increases by more than the cost of the new vehicle alone because base rates and discount percentages adjust when the vehicle count changes.
Does National General write policies for drivers with violations in Pennsylvania?
Yes, National General writes SR-22, non-owner, and after-DUI policies in Pennsylvania. The carrier operates in the standard tier, which means it underwrites drivers with recent violations or points that preferred carriers might decline.
Can I keep two separate National General policies and get the multi-car discount on both?
No, National General's multi-car discount requires all vehicles to sit on one policy. If you and a household member each carry a separate National General policy, you must combine them into a single account to receive the discount.
What is National General's AM Best rating?
National General carries an AM Best A+ rating as part of the Allstate group. The A+ rating reflects strong financial stability and claims-paying ability, which matters for households managing coverage across multiple vehicles over several years.