National General Car Insurance — North Dakota
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National General Writes North Dakota Multi-Car Policies
National General operates in North Dakota and writes multi-car policies for households insuring two or more vehicles. The carrier is licensed statewide, offers online quotes, and writes standard-tier coverage including SR-22 filing, non-owner policies, and after-DUI coverage. If you're comparing carriers for a multi-vehicle household, National General is a valid option.
The structural reality most households miss: National General operates as Allstate's non-standard tier. Allstate acquired National General in 2021, and the brand now serves drivers who don't qualify for Allstate's preferred or standard rates. This means if your household has clean driving records across all drivers, you may qualify for lower rates with Allstate directly rather than through National General's tier.
“National General operates as Allstate's non-standard tier, meaning clean-record households often qualify for lower rates with Allstate directly.”
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North Dakota Multi-Car Roster
Eighteen carriers write multi-car policies in North Dakota, including both preferred-tier and standard-tier options. National General sits in the standard tier alongside carriers like Farmers, Geico, and Progressive.
North Dakota Insurance Department carrier licensing data
How National General Fits North Dakota's Multi-Car Market
National General writes all required North Dakota coverages: $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage, plus mandatory personal injury protection and uninsured motorist coverage. The carrier handles multi-car discounts when every vehicle sits on the same policy, a standard requirement across most carriers.
The carrier's position as Allstate's non-standard tier matters for multi-car households because pricing tiers directly affect your premium. Preferred-tier carriers like State Farm, USAA, and Amica typically offer lower base rates for clean-record households. Standard-tier carriers like National General price for moderate risk. Non-standard carriers like Bristol West and The General price for high-risk profiles.
If your household includes a driver with a DUI, points, or a suspended license, National General's standard tier may be the right fit. If every driver has a clean record, compare National General's quote against Allstate's preferred tier and other carriers writing clean-record households.
National General operates as Allstate's non-standard tier. Clean-record households often qualify for lower rates with Allstate directly.
Comparing National General Against North Dakota's Carrier Roster
Eighteen carriers write multi-car policies in North Dakota. Six operate in the preferred tier: State Farm, USAA, Amica, Auto-Owners, and two others. Eight write standard-tier coverage, including National General, Allstate, Farmers, Geico, Progressive, Nationwide, Travelers, and Hartford. Four write non-standard coverage for high-risk households: Bristol West, The General, and two regional carriers.
The tier structure matters because a multi-car discount applies to your base premium. A smaller discount on a lower base rate often beats a larger discount on a higher base rate. Preferred-tier carriers typically offer the lowest base rates for clean-record households. Standard-tier carriers price moderately higher. Non-standard carriers price for drivers with violations, suspensions, or lapses.
If your household qualifies for preferred-tier coverage, compare State Farm, USAA, and Amica first. If one driver has a recent violation but others have clean records, compare standard-tier carriers including National General, Allstate, Geico, and Progressive. If multiple drivers have violations or a household member carries an SR-22, compare non-standard carriers including Bristol West and The General alongside National General's standard tier.
$25,000 / $50,000 / $25,000
North Dakota Minimum Liability
North Dakota requires $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Every carrier writing the state must offer at least these limits, and most multi-car households carry higher limits to protect household assets.
North Dakota Century Code 26.1-40-15
When National General Makes Sense for Your Household
National General fits multi-car households with moderate risk profiles: one driver with a recent violation, a household combining clean and non-clean records, or a household that doesn't qualify for preferred-tier pricing but doesn't need non-standard coverage. The carrier writes after-DUI policies, handles SR-22 filings, and offers non-owner coverage for households with a licensed driver who doesn't own a car.
The carrier does not make sense as a first comparison for clean-record households. If every driver in your household has no violations, no lapses, and no claims in the past three years, start with preferred-tier carriers. State Farm, USAA, and Amica typically offer lower base rates, and the multi-car discount applies to that lower base. Compare National General only after you've received quotes from preferred-tier options and confirmed you don't qualify for their pricing.
How to Compare National General for Your Multi-Car Policy
Request quotes from at least three carriers in your tier. If you qualify for preferred-tier coverage, compare State Farm, USAA, and Amica. If you're in the standard tier, compare National General, Allstate, Geico, and Progressive. If you're in the non-standard tier, compare National General, Bristol West, and The General. Enter identical coverage limits, deductibles, and vehicle details for each quote so you're comparing the same policy structure.
Verify that every vehicle sits on the same policy to trigger the multi-car discount. Most carriers require all vehicles to be garaged at the same address and titled to the same household. If a vehicle is titled to someone outside your household or garaged at a different address, ask the carrier whether it qualifies for the same-policy discount. Some carriers allow it; others do not.
Check whether National General's quote includes all North Dakota-required coverages: liability at minimum limits or higher, personal injury protection, and uninsured motorist coverage. Confirm that collision and comprehensive coverage appear for each vehicle if you want full coverage. Compare the total premium across all vehicles, not the per-vehicle cost, because the multi-car discount applies to the policy total.
What National General Offers Multi-Car Households
The carrier writes liability coverage at North Dakota's minimum limits and higher, collision and comprehensive coverage for each vehicle, and uninsured motorist coverage as required by state law. Personal injury protection is mandatory in North Dakota, and National General includes it in every policy. The carrier also writes non-owner policies for households with a licensed driver who doesn't own a vehicle but needs coverage to maintain continuous insurance or satisfy an SR-22 requirement.
National General offers online quotes, which streamlines the comparison process for multi-car households. You can enter each vehicle's year, make, model, and garaging address, then see how the multi-car discount applies when all vehicles sit on one policy. The carrier writes after-DUI coverage, meaning a household with one violation doesn't automatically disqualify from coverage. SR-22 filing is available when required by the North Dakota Department of Transportation Driver License Division.
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Get My North Dakota Car Insurance QuoteFrequently Asked Questions
Does National General offer multi-car discounts in North Dakota?
Yes. National General offers a multi-car discount when you insure two or more vehicles on the same policy. The discount applies to the total policy premium and requires all vehicles to be garaged at the same address and titled to the same household in most cases.
Is National General a good choice for clean driving records?
National General operates as Allstate's non-standard tier, which means it prices for moderate-risk profiles. If your household has clean driving records across all drivers, you will typically find lower rates with preferred-tier carriers like State Farm, USAA, or Amica.
Can I get an SR-22 from National General in North Dakota?
Yes. National General writes SR-22 filings in North Dakota. The carrier handles the electronic filing to the North Dakota Department of Transportation Driver License Division and maintains the filing for the required one-year period.
Does National General write non-owner policies in North Dakota?
Yes. National General writes non-owner policies for licensed drivers who do not own a vehicle but need liability coverage to maintain continuous insurance or satisfy an SR-22 requirement. Non-owner policies do not cover vehicles you own or regularly drive.
How does National General compare to Allstate for multi-car policies?
National General is owned by Allstate and operates as its non-standard tier. Allstate's preferred and standard tiers typically offer lower base rates for clean-record households. If you qualify for Allstate's main tier, you will likely pay less than with National General.