What National General payment methods are available
National General Insurance accepts payments through several channels: online through your account portal, by phone with a customer service representative, by mail with a check or money order, and through automatic bank withdrawals. The online portal and automatic withdrawal are the fastest routes — online payments post within one to two business days, and automatic withdrawals happen on a schedule you set. Phone payments process the same day if you call before 5 p.m. Eastern time on a business day.
Mail payments take seven to ten business days to reach the company and post to your account, so send them at least two weeks before your due date if you want to avoid a late fee. National General does not accept credit card payments directly, but you can use a third-party payment processor if your card issuer allows bill pay transfers.
Key Takeaways
- Online payments and automatic bank withdrawals are the fastest methods and post within one to two business days.
- Phone payments process same-day if you call before 5 p.m. Eastern time on a business day, but mail payments take seven to ten days.
- You can set up automatic withdrawals from your bank account to pay on the same date every month or billing cycle.
- National General does not accept credit card payments directly, though you may be able to use your card through a third-party bill pay service.
Paying online through your National General account
Log into your National General account on their website or mobile app using your policy number and password. Navigate to the "Make a Payment" or "Pay Now" section — the exact label depends on which product you have (auto, home, or renters insurance). Enter the amount you want to pay and select your payment date. National General will show you a confirmation screen with the payment amount, due date, and expected posting date before you submit.
You will need a valid bank account or debit card on file to complete an online payment. If you do not have an account set up yet, you can create one on the National General website by entering your policy number and email address. Once your account is active, you can also view your policy details, download documents, and check your payment history from the same portal.
Setting up automatic payments from your bank account
Automatic payments remove the risk of forgetting a due date and typically may have access to for a small discount on your premium — usually 1 to 3 percent depending on your policy type. To enroll, log into your National General account and look for "Autopay" or "Automatic Payment" settings. You will provide your bank routing number and account number, then choose whether you want the payment to come out monthly, every other month, or on your policy's renewal date.
You can change or cancel automatic payments at any time through your account portal or by calling National General customer service. If you need to pause a payment because of a temporary hardship, contact them directly rather than canceling — they may be able to adjust your payment schedule without affecting your coverage.
Paying by phone with a National General representative
Call National General's customer service line at the number on your policy or bill. A representative will verify your identity using your policy number and personal information, then process your payment over the phone. You will need to provide your bank account or debit card information — National General does not accept credit cards by phone. The representative will give you a confirmation number and tell you when the payment will post.
Phone payments are useful if you have questions about your bill at the same time or if you need to make a same-day payment. Business hours vary by state and product line, so check your policy documents or the National General website for the correct number and hours for your coverage type.
Mailing a check or money order
Write your check or money order to National General Insurance and include your policy number on the memo line. The mailing address is on your bill or policy documents — do not send payment to a local agent's office unless they specifically tell you to. Use a mailing method that allows you to track delivery, such as certified mail, so you have proof the payment was sent if there is a dispute later.
Mail payments take seven to ten business days to arrive and process, so send yours at least two weeks before your due date. If your payment arrives after the due date, National General may charge a late fee even if the delay was caused by the mail. Keep a copy of your check or money order receipt and note the date you mailed it in case you need to follow up.
What to do if your payment is late
National General typically allows a grace period of 10 to 30 days after your due date before canceling your policy for non-payment — the exact number depends on your state and policy type. During this window, you can make a payment without losing coverage, though you may be charged a late fee. If your policy lapses, you will need to contact National General to reinstate it, and reinstatement may require a new underwriting review.
If you are having trouble making a payment on time, call National General before the due date to discuss your options. Some policies allow you to adjust your payment schedule, defer a payment, or set up a payment plan. Acting before you miss a payment gives you more flexibility than trying to fix it after the fact.
Understanding your bill and payment due date
Your National General bill shows your policy number, coverage period, total premium, any discounts applied, and the due date for payment. The due date is usually 30 days from the bill date, but it can vary depending on how your policy is structured. If you have automatic payments set up, the bill will show that your payment is scheduled rather than asking you to pay by a specific date.
Review your bill each time you receive it to make sure the premium amount matches what you expected and that all your discounts are listed. If something looks wrong — a higher premium, a missing discount, or coverage you did not request — contact National General before the due date. Disputing a charge after you have paid does not stop the payment, but it can lead to a credit or refund if the error is confirmed.
Frequently Asked Questions
Can I pay National General with a credit card?
National General does not accept credit card payments directly. You can use a third-party bill pay service offered by your credit card issuer or bank, which transfers funds from your card to National General's account. Check with your card issuer to see if this option is available on your account.
What happens if I pay online but my payment does not show up?
Online payments typically post within one to two business days. If more than two business days have passed and you do not see the payment in your account, log back in to check the payment status or call National General customer service with your confirmation number. Keep your confirmation email or screenshot as proof of payment.
Can I make a partial payment on my National General bill?
National General generally requires full payment of your premium by the due date. If you cannot pay the full amount, contact them before the due date to ask about a payment plan or deferment. Some policies and states allow partial payments, but this must be arranged in advance.
How do I change my automatic payment date?
Log into your National General account and go to your autopay settings to change the payment date or frequency. You can also call customer service to make the change over the phone. Changes typically take effect on your next scheduled payment date.
Will I get a refund if I overpay my National General bill?
If you pay more than your premium amount, National General will credit the overage to your account. You can use the credit toward your next bill, or you can request a refund by contacting customer service. Refunds typically take five to seven business days to appear in your bank account.