What Discounts Does National General Offer for Auto Insurance?
Last Updated on October 16, 2026
National General offers a variety of auto insurance discounts, from payment and paperless savings to multi-vehicle, low-mileage, security device and telematics discounts. The exact discounts (and how much they save) vary by state, policy type, and underwriting—so the best approach is to ask which discounts you qualify for and make sure they’re actually applied to your quote.
National General’s auto insurance page names seven discounts: bundling with home, pay in full, low mileage, security device, multi-vehicle, safe driver and paperless. It gives no percentages and says discounts vary by state and insurer. Below is a breakdown of those, plus a few others worth asking about, what typically triggers them, and what you may need to provide.
- Discount Availability Varies by State and Policy: The same named discount may be offered differently depending on where you live and what product you’re quoted.
- Payment Choices Often Unlock Easy Savings: Pay-in-full, auto-pay, and paperless delivery can reduce fees and help prevent coverage lapses.
- Telematics and Mileage Can Move the Needle: Low-mileage drivers and safe drivers may qualify for meaningful savings, but National General’s DynamicDrive score can add a surcharge at renewal, setup has to be finished within 14 days, and the participation discount can come off if the app stops logging trips.
- Always Verify Discounts Are Applied: Ask the agent to list every discount on your quote and re-run pricing when you change deductibles, vehicles, or household details.
National General Discount Overview
| Discount Type | What It Usually Rewards | What You May Need to Do |
|---|---|---|
| Payment & billing | Lower admin costs and fewer missed payments | Choose pay-in-full, enroll in auto-pay, and/or go paperless |
| Policy & household | More than one vehicle or related policies with the same insurer | Add eligible vehicles and keep address/driver info consistent |
| Driving behavior (telematics) | Safer driving habits and/or lower annual mileage | Enroll in DynamicDrive, finish setup within 14 days and keep logging trips; the renewal score can add a surcharge |
| Driver profile | Strong driving record, training, and other rating factors | Provide course completion (if applicable) and keep violations down |
| Vehicle-based | Safety features and anti-theft equipment | Confirm features by VIN or provide documentation if requested |
Quick tip: When you compare quotes, ask the agent to re-run your price with and without optional programs (like telematics) and with different deductibles. Small changes can reveal where the real savings are—and what tradeoffs come with them.
Payment and Billing Discounts
Paid in Full Discount
Many drivers can reduce fees and sometimes earn a small discount by paying their policies in full upfront (instead of monthly installments). If cash flow allows, ask your agent whether a 6-month or 12-month pay plan costs less overall.
Automatic Payment Discounts
Enrolling in automatic payments can help you avoid accidental lapses. National General’s personal auto page doesn’t list an autopay discount, so ask whether one applies in your state. Even when the price difference is small, auto-pay can protect you from missed-payment cancellations.
Paperless Discount
National General names a paperless discount on its auto page. If you haven’t already opted in, ask about paperless billing discounts and whether the discount applies immediately or at renewal.
Online Quote Discounts
Requesting a quote online is a convenient way to compare pricing and coverage options. Even when there isn’t a separate “online quote” discount, the process can help you quickly spot which coverages or deductibles are driving the premium.
Household and Multi-Policy Discounts
Multi-Vehicle Discount
If you insure multiple vehicles with National General, you may qualify for a discount across eligible vehicles. In many cases, vehicles and drivers must be primarily garaged at the same address—so make sure your garaging and driver details are accurate.
National General also names a discount for bundling your auto policy with a home policy. It doesn’t publish a percentage, so ask your agent what it’s worth in your state.
RV Discount
National General also insures alternative vehicles, including RVs. National General’s RV page says you can save up to 20% a year by putting your RV and auto on one policy, which also means one account and fewer due dates.
RV and Auto Same Accident Discount
National General’s RV page says that when your RV and your auto are in the same covered accident, you pay one deductible instead of two. A car towed behind the RV is the obvious case, but the page doesn’t mention towing, so confirm with your agent how it applies to your setup.
Motorcycle Discounts
National General’s motorcycle page lists a safe rider discount for completing a motorcycle safety course, a frame guard or slider discount, multi-bike and multi-policy discounts, and paperless, pleasure use, renewal and homeowners discounts. It gives no percentages. If you’re comparing costs, it also helps to understand whether it’s cheaper to insure a motorcycle or a car for your specific situation and coverage needs.
Driver and Usage-Based Discounts
Defensive Driving Course Discount
National General’s auto page doesn’t name a defensive driving discount, so ask your agent whether an approved course earns one in your state. If you’ve taken a course recently, confirm how defensive driving course discounts work in your state and whether the certificate must be renewed periodically.
Safe Driving History Discount
National General names a safe driver discount on its auto page, separate from its DynamicDrive app. Like most insurers it rewards a clean record, but the “lookback” period can differ by state and insurer. If you’ve avoided accidents and moving violations for several years, ask whether you qualify for a good-driver rating tier—and keep the habits that insurers care about in mind by reviewing safe driving best practices.
Low Mileage Discount
National General names a low mileage discount on its auto page. If you drive well below typical annual mileage, you may qualify—especially if you work from home, commute infrequently, or have a secondary vehicle. To understand whether your driving is considered “low mileage,” start with how many miles the average American drives each year, then review how low mileage discounts work.
National General’s telematics program is DynamicDrive, a phone app powered by Arity (you may see its older name, SmartDrive). Its terms, updated August 8, 2024, say a participation discount is applied when you enroll, and you have 14 days from getting your activation code to finish setup. At the first renewal after activation, once about 30 days and 125 trips are recorded, your driving score sets the renewal price. National General says that most often means a discount, but it can add a surcharge depending on how you drive. The participation discount can also come off if the app logs no trips for 30 days in a row or fewer than 10 trips in a policy term.
Affinity Discount
National General’s personal auto page doesn’t list an affinity or group discount. Some insurers do give savings through employer groups, alumni associations or professional memberships, so it’s worth asking. If you belong to any organizations, ask which groups commonly offer auto insurance discounts and whether proof of membership is required.
Discount Program Names
We could not find a program called SmartDiscounts on National General’s current auto pages, which list seven discounts and end with “and more.” If an agent presents a bundle of discounts under any program name, treat it as a checklist: ask your agent to confirm which underlying discounts are included, which ones require action (like telematics enrollment), and whether they apply now or only at renewal.
Life Change Discounts
Some premium changes aren’t “discounts” in the traditional sense—they’re rating adjustments triggered by updated information. After major life events, it’s still worth asking for a re-quote, especially if you moved to a new ZIP code, recently started owning a home, or changed your household status (for example, getting married).
Vehicle-Based Discounts and Policy Choices
Anti-Theft Discounts
National General names a security device discount on its auto page. If your vehicle has factory anti-theft equipment (or you’ve added aftermarket protection), you may qualify for anti-theft discounts. Ask how the insurer verifies equipment (often by VIN) and whether certain devices qualify more than others.
Safety Feature Discounts
National General’s auto page doesn’t name a safety-feature discount, though many insurers price policies partly on crash-avoidance and occupant-protection features. If you’re shopping for a car—or verifying your current vehicle—review which safety features can impact auto insurance. Depending on the vehicle and state, discounts may apply for items like airbags, anti-lock brakes, and connected safety/assistance systems such as OnStar.
Higher Deductible Discount
Raising your deductible is one of the most direct ways to reduce premium, but it increases what you pay out of pocket after a covered loss. Before increasing deductibles, understand how claims can affect pricing—especially whether comprehensive claims raise rates and how much rates can rise after a collision claim.
If you decide the higher out-of-pocket risk is worth the monthly savings, follow a structured approach to raising your deductible to save on car insurance (for example, choosing a deductible you could comfortably cover from savings).
Good Credit-Based Discounts
In many states, insurers can consider credit-based insurance scores as part of pricing, which can translate into lower premiums for drivers with stronger credit profiles. However, some states ban or restrict this practice, and rules vary by state. To understand the basics, review how credit scores can affect car insurance rates and check your state’s current regulations if you’re unsure.
Optional Add-Ons That Can Change Your Total Cost
Roadside Assistance Discounts
Roadside assistance is usually an add-on coverage rather than a discount, but it can still affect what you pay overall. If you’re considering it, start with the basics of emergency roadside assistance coverage, then compare options like National General’s roadside assistance program.
Confirm what’s included (and any limits) for common services such as fuel delivery and locksmith services. Sometimes the better value is choosing the right plan level—not just adding the cheapest option.
If you want help confirming eligibility or making sure the right discounts are applied, use this guide to prepare questions and then contact National General (or your agent) to review your options.
My advice is to ask your agent for a quote that lists every discount by name, then go down National General’s own list of seven and ask about any that are missing. If you try DynamicDrive, drive the way you normally do, because the score at your first renewal can raise the price as well as lower it.
FAQs on National General Auto Insurance Discounts
Sources
Checked October 16, 2026
