Integon National Insurance Company Review: Is It Worth It in 2026? 

When we think of car insurance companies, names like GEICO, State Farm, or Progressive usually come to mind. However, for specialty or high-risk drivers, there’s Integon National Insurance Company—part of the National General brand under Allstate—that may be worth a closer look. In this Integon National Insurance Company Review, we’ll explore whether it’s the right fit for you.

We, The Agency Height, have broken down the review to everything you need to know about Integon National Insurance Company. We’ll cover its history, coverage options, pricing structure, claims handling, and how it stacks up against competitors in the U.S. market.

Integon National insurance: Overview

Review: Yelp (132), Trustpilot (48), BBB (620)

Rating: Yelp (1.1), Trustpilot (1.5), BBB (A-)

Mailing Address: P.O. Box 3199, Winston-Salem, NC 27102-3199.

Integon National Insurance Phone Number: 1-888-325-1190.

Founded in 1920 and headquartered in Winston-Salem, North Carolina, Integon National Insurance Company operates as a subsidiary of National General Insurance, which was acquired by Allstate Corporation in 2021. While many customers interact directly with National General, some policies—especially those geared toward high-risk drivers—are still underwritten by Integon.

Key Fact: Integon is often listed as the insurer on policies marketed under National General or Allstate’s non-standard auto segment.

Insurance Products Offered by Integon

Integon National Insurance Company, underwritten by National General, offers a robust lineup of insurance products tailored to a wide range of customers—from high-risk drivers to homeowners—delivered with Allstate-level financial backing (A‑rated by A.M. Best).

Auto Insurance

Integon’s auto insurance covers standard liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist protection. Based on independent analysis, the average annual premium is around $1,806, with higher rates common among drivers in high-risk groups.

Their policies are issued via the National General website or agent, and premiums vary widely based on state and driver history

Integon SR‑22 Insurance for High‑Risk Drivers

Integon offers SR‑22 filings and specialized policies for drivers with DUI convictions, multiple accidents, or revoked/suspended licenses. Their underwriting guidelines specifically identify high-risk drivers—such as those with felony auto convictions or revoked licenses—as a core customer base.

SR‑22 policies come with per-filing fees and require listing all vehicles driven by the SR‑22 holder.

Commercial Auto Insurance

Specialized commercial auto coverage is available for small business fleets, delivery services, and other business vehicles. As part of National General, Integon provides property & casualty solutions including commercial auto and umbrella policies. Coverage is customizable, ranging from liability and physical damage to specialized endorsements.

Motorcycle & RV Insurance

Integon (via National General) provides motorcycle and RV insurance, offering comprehensive and collision coverage plus gear and accessory protection. Motorcycle policies cover liability, medical payments, collision, comprehensive, and uninsured motorist protection, with perks like free coverage for up to $2,000 in custom accessories and apparel.

Homeowners & Property Insurance (via National General umbrella)

Through National General, Integon provides homeowners, renters, and umbrella property insurance in select states. Offered in about 16 states, these products include dwelling coverage, personal property, liability, and more. Discounts are available for bundled home-auto policies.

Pros and Cons of Integon Insurance

Integon National Insurance provides reliable coverage for high-risk drivers, but it comes with trade-offs like higher premiums and limited digital tools. Below is a clear comparison to help you decide:

Pricing Overview: No Online Quotes, Personalized Rates Based on Risk

Integon does not offer instant online quotes. Instead, premiums are customized based on factors like your age, driving history, vehicle type, location, and whether you’re high-risk or need SR-22 coverage.

• Standard vs full coverage: Minimum-state coverage is cheapest, while full coverage ramps up the premium significantly.
• High-risk drivers (DUIs, accidents, SR-22) often see average premiums near $1,630–$1,800/year, notably higher than national averages.

Available Discounts to Offset Costs

Integon (under National General) offers a variety of discounts to lower your premium:

• Multi-Vehicle Discount: Insure more than one car and get a meaningful rate reduction
• Safe Driver/Defensive Driving: Take approved courses to earn savings
• Paid-in-Full Discount: Paying upfront avoids financing fees and rewards you
• Paperless/Auto-Pay Discount: Sign up for electronic billing or auto-draft to save and streamline payments ncrb.org.
• Other niche discounts: Anti-theft device discount, low mileage, Automatic payment discount, and bundled home-auto savings may also apply in some states

Estimated savings: Often 5%–20%, depending on eligibility and state.

Payment Flexibility: Making Premiums More Manageable

Integon offers multiple payment options to fit your budget:

Monthly auto-draft (EFT) — Easier budgeting, sometimes no installment fees

Paid-in-full — Maximum savings and no financing charges.

Auto-pay/email billing/paperless statements — Qualify for a small additional discount.

Compare Integon Vs Other Insurance Companies

Integon specializes in high-risk driver coverage, while competitors like GEICO and State Farm focus more on standard insurance needs with robust digital tools.

When shopping for auto insurance, especially if you need SR-22 or have a spotty driving record, it’s crucial to compare insurers based on coverage flexibility, pricing, digital experience, and financial backing.

Here’s how Integon stacks up against three major competitors: 

How to File a Claim with Integon?

Filing a claim with Integon National Insurance Company, which operates under National General Insurance and is owned by Allstate, is a straightforward process. Here’s how you can report a claim:

Reporting a Claim by Phone

• General Claims: Call 1-800-468-3466 to report a claim. This line is available 24/7 for assistance.
• For Policies Beginning with “INT60” or “IM”: If your policy number starts with “INT60” or “IM”, call 1-800-848-1777.
• Flood Claims: For flood-related claims, contact 1-888-598-0296.

Reporting a Claim Online

You can also file a claim online through the National General Insurance Claims Center:

• Website: https://claims.nationalgeneral.com/report
• Steps:

1. 1. Visit the website.
   2. Select the type of claim you wish to report.
   3. Provide necessary details such as your policy number, contact information, and a description of the incident.

What to Have Ready

Before you file your claim, ensure you have the following information:

• Policy Number: Found on your insurance card or policy documents.
• Personal Information: Your name, address, and contact details.
• Incident Details: Date, time, and location of the incident, along with a brief description.
• Supporting Documents: Photos of damages, police reports, or any other relevant documentation.

Who Should Consider Integon National Insurance?

Ideal Customers:

• Drivers needing SR-22 filings.
• People with past DUIs, license suspensions, or lapses in coverage.
• Commercial drivers need flexible vehicle insurance.
• Individuals who’ve been turned away by standard providers.

Who Should Look Elsewhere:

• First-time car buyers with clean records.
• Budget-conscious customers seeking low premiums.
• Consumers value strong customer support and seamless claims handling.

What do real customers have their say on Integon National Insurance Company? (Reddit Insights)

Integon National Insurance Company has received a significant number of negative reviews from customers, particularly regarding claim processing and customer service.

• Customers have reported being on hold for extended periods, sometimes over an hour, with no response. One Reddit user mentioned, “I’ve been waiting almost 8 months now since my gf’s car was totaled by someone with Integon.”
• Many customers have expressed frustration over the lack of communication from Integon. One individual stated, “I have been on hold for over 3 hours multiple times with no answer and a dropped call.”
• A few users reported that their claims were processed swiftly and without issues. One user mentioned, “The claim was handled extremely quickly, with no fuss.”

Affordable Rates: Some customers found Integon’s rates to be competitive compared to other insurers.

Final Verdict: Should You Choose Integon National Insurance?

Integon National Insurance Company is not for everyone. It fills a niche in the U.S. market—providing coverage to those who may not qualify elsewhere. But its strengths come with serious tradeoffs in pricing, service quality, and customer satisfaction.

Integon might serve as a stepping stone for high-risk drivers with limited options. But if you’re eligible for policies from mainstream providers, it’s worth exploring other options first.