National Automotive Auto Insurance Review for 2026

National Automotive Insurance is a small, local company offering affordable automotive insurance options within the state of Louisiana. The company was founded in 1988 and has since expanded throughout the Pelican State. If you’re having trouble deciding on whether or not to request a free quote from the National Automotive Insurance Company (NAIC), keep reading for detailed information on the company.

National Automotive Insurance Review

Customer service ratings for National Automotive Insurance are a bit mixed. On the plus side, the BBB has given them an A+ rating with zero complaints filed in the last 3 years. Their complaint index scores, however, are less than ideal. And their financial strength rating was an A- back in 2015, but the most recent reports from AM Best have changed that to “not rated”. It is unclear whether this means good or bad things for the company’s financial security.

Readmore: Mercury Auto Insurance Review

Ratings Agency	Rating
AM Best Financial Rating (2016)	Not Rated
NAIC Complaint Index (2012)	1.49 (National Index 1.00)
Better Business Bureau (2016)	A+

National Automotive Insurance Discounts

Unfortunately, it is unclear which discounts NAIC offers to Louisiana drivers. However, in the past, the company has offered the following:

• Proof of Prior Insurance Discount
• Multi-Car Policy Discount
• Homeowner Discount
• “Stability” Discount (living in one place for more than 3 years)
• Accident-Free Discount
• Low Mileage Discount
• Full Payment Discount
• Safe Driver Discount
• Driver Education Discount
• College Education Discount

Not all discounts may be available in all areas. To know for sure which discounts are available, which ones you qualify for, and how much you can save, you’ll have to get in touch with an NAIC agent near you.

National Automotive Auto Insurance Options

Finding information on the coverage options offered by National Automotive is quite the challenge since it appears as though they no longer have an online presence. One would imagine, however, that they at least offer the minimum amounts and coverage types that drivers need in order to drive legally in Louisiana. Those requirements include $15,000/$30,000 for Bodily Injury Liability and $25,000 in Property Damage Liability.

Comparing National Automotive Insurance Quotes

You might have some difficulty finding accurate NAIC quotes online. For this reason, we have provided the following chart which shows estimated quotes for typical drivers in different parts of the United States:

Illinois Average
California Average
Texas Average
Florida Average
New York Average


25
50
75
100
125
150
175
200
225
250
275
300
325
350






$52
$34
$89
$34




$146
$139
$88
$64




$71
$89
$260
$105




$147
$230
$353
$126




$72
$93
$231
$93

If you happen to get a quote from NAIC, it would serve you well to compare that number to the estimated quotes in the chart above if you happen to live in any of these states. And even if you don’t, the information provided in the chart above can prove invaluable for helping you figure out what a fair price for your monthly premiums should be.

Pro	Con
Plenty of local expertise in the Louisiana automotive insurance market	Little transparency into their auto insurance coverage
	Above average complaints according to the Louisiana Department of Insurance

National Automotive Insurance is a bit of a mystery. Unless you contact a local agent directly over the phone, it is very difficult to find any helpful information about the company, its products, or the services they might be able to provide you. Typically, however, local companies with a scarce internet presence tend to excel at person-to-person customer service when compared to larger providers. But to know for sure whether NAIC is right for you, you’ll have to compare them to other providers in your area.

Corporate Headquarters
1615 Poydras St., Ste 2120
New Orleans, LA 70112
www.nationalautomotiveinsurance.net
Phone: (504) 828-6855
Fax: (504) 828-6872