Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 2020

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Company Details
Address: 8877 North Gainey Center Drive
City: Scottsdale
State: AZ
ZIP Code: 85258
Phone Number: 480-365-4000
Website: https://nationwideexcessandsurplus.com/public/
Year Founded: 1982
AM Best Rating: A+
Company Rating 1 (5 reviews)

Things to Remember...

  • National Casualty Auto Insurance Company is a subsidiary of Nationwide Insurance
  • National Casualty Company provides high-risk insurance through independent agents
  • National Casualty strives to maintain a positive presence in the community

Looking for information about National Casualty Insurance?

Most of the time, searching for the best types of auto insurance coverage for your needs would mean hours of research, long phone calls, and internet searches. Imagine, instead, if you had all the information you needed in one easy guide.

That’s exactly what we’ve put together here for you. In this guide, we’ll look at and analyze all the information related to the National Casualty Insurance Company to give you a better idea of the options available to you.

If you’re ready to start comparing auto insurance rates now, enter your ZIP code into our free quote tool to get started.

National Casualty Auto Insurance Rates

While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it’s usually one of the most important. Customer satisfaction is another thing that drivers look for when choosing auto insurance.

You can look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. The table shows average annual rates based on coverage levels.

Average Annual Auto Insurance Rates by Coverage Type
Type of CoverageAverage Annual Auto Insurance Rates
Liability coverage$516.39
Collision coverage$299.73
Comprehensive coverage$150.36
Full coverage$954.99
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Keep in mind that these are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, and ZIP code.

What is National Casualty Insurance’s availability by state?

National Casualty Insurance, sometimes referred to as National Mutual Insurance Co., is available in all 50 states and the District of Columbia.

Chances are, no matter where you’re in the United States, National Casualty and its parent company, the Nationwide Mutual Insurance Company, have you covered.

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National Casualty Auto Insurance Coverages Offered

One of the first things you’ll need to do when purchasing your auto insurance policy is to decide how much coverage you need.

If you’re financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you’ll need at least the minimum amount of liability insurance required by your state of residence.

The table below shows some of the different types of policies and coverage available to you, along with what they do.

Types of Auto Insurance Coverage
Auto Insurance Coverage TypePurpose of Coverage
Bodily injury liabilityPart of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident
CollisionCovers damage to your car after an automobile accident
ComprehensiveCovers damage to your car that happens when you're not driving
Personal injury protectionCovers medical expenses for you or your passengers after an automobile accident
Property damage liabilityThe other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident
Uninsured/underinsured motoristCovers the costs if you're in an automobile accident caused by a driver with little or no car insurance
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Some people may be wondering,”Is National Casualty Company admitted?“Well, the answer is that National Casualty Insurance works on both an admitted and non-admitted basis, using the following company paper for their policies:

  • Freedom Specialty Insurance Company
  • National Casualty Insurance
  • Scottsdale Indemnity Company
  • Scottsdale Insurance Company
  • Scottsdale Surplus Lines Insurance Company
  • Western Heritage Insurance Company

Keep scrolling to learn more about the auto insurance options available to you.

What are National Casualty Insurance’s bundling options?

Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company.

For example, you can buy your auto insurance policy as well as your life insurance from the same company, if you choose. Most insurance companies offer a discount of anywhere from 5 percent to 25 percent if you choose to bundle your policies.

Check out the video below to learn about the pros and cons of bundling your insurance policies.

Many companies offer multi-car discounts, too. You can think of this as a way of bundling, as well, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.

What are discounts offered by National Casualty Insurance?

Generally, your discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry.

The table below shows some of the most common auto insurance discounts available and an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.

Standard Auto Insurance Discounts Offered by Major Companies
Discounts OfferedAverage Percentage
of Savings
Companies Offering
Discounts
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Defensive driving discount10%–15%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Safe driver discount10%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Military and federal employee discount8%–15%Geico, Esurance, USAA
Good student discount5%–25%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount5%–10%Geico, Allstate, Liberty Mutual
Homeowner discount3%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
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As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for as they can save you a lot of money on your auto insurance.

What programs are available from National Casualty Insurance?

National Casualty Company commercial insurance provides a variety of coverage for commercial vehicles such as ambulances, garbage trucks, public automobiles, and vehicles of that nature.

National Casualty provides auto liability, auto physical damage, cargo, excess auto, garage liability, garage keeper’s liability, and trucker’s general liability. National Casualty Company also offers Pet Insurance as well as Error & Omissions (E&O) Insurance.

The Fortune 500 Company specializes in providing unique and unusual classes and coverage for all types of risks.

Canceling Your National Casualty Auto Insurance Policy

National General Insurance understands that there are many reasons that people need to cancel their auto insurance policy. For this reason, they make it fairly simple to cancel your auto insurance policy if you need to do so.

Watch the video below to get an idea of what to expect when canceling your auto insurance policy.

Keep reading to find out more about policy cancellations and filing claims.

Is there a cancellation fee?

National Casualty Insurance doesn’t charge a cancellation fee if you need to cancel your policy.

Is there a refund?

Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you’ll receive roughly half of what you paid, assuming that you only paid for that cycle.

Since refund amounts may vary and depend on a variety of factors, check with your insurance agent to see what factors apply to you.

How do you cancel?

What should you do if you need to cancel your policy?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid in.

When can you cancel?

You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy.

How to Make a National Casualty Insurance Auto Insurance Claim

Through Scottsdale Insurance, National Casualty Company policyholders can either report their auto insurance claims by telephone or through the website.

If you’re wondering how to file an auto insurance claim on the website, you should have:

  • Your policy number
  • Information regarding the accident (time, place, and date)
  • Names and numbers of other parties involved
  • Details of the accident
  • Police report information

It takes about five to 10 minutes to report the claim online. The site even provides a claim entry overview in video form for further explanation on filing a claim.

If you would like to make a National Casualty Company loss run request, you can do so by contacting the company at the following phone number: 1-800-228-6700. You can also send an email to lossruns@nationwide.com.

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How to Get an Auto Insurance Quote Online

National Casualty writes policies for high-risk drivers who need tips to get that high-risk auto insurance premium under control through wholesale agents, brokers, and program managers.

Excess and surplus line insurers aren’t allowed to sell policies over the internet. Policies are sold only through agents and brokers who are local to the client.

Auto insurance agents can only be found by calling Scottsdale Insurance.

If you’re an insurance professional looking for a National Casualty Agent, Broker, or Program Manager, you can locate the agent by inputting the agency name and state into the website’s toolbox.

If you’re an agent for National Casualty, the Scottsdale website allows you to log in to the site with a username and password.

National Casualty Insurance: Auto Insurance Ratings

What is the best-rated car insurance company? Is AAA good auto insurance?

The answer to both of these questions would really depend on who you ask. There are a lot of rating systems that rate insurance providers based on different criteria.

National Casualty is the proud recipient of many awards:

  • Healthiest Employers in 2011
  • Most Admired Companies by Arizona Business Magazine in 2010
  • Top 125 businesses in the area of training by Training Magazine
  • Corporate Leader by Scottsdale Leadership, Inc., a local nonprofit organization, in 2008

Nationwide is considered to be one of the largest insurance companies in the United States. It maintains an A+ rating by A.M. Best and an A rating by Standard & Poor’s.

National Casualty receives the same ratings as Nationwide since it’s their parent company.

National Casualty is a proud member of the Better Business Bureau. The Better Business Bureau has given National Casualty, under the Scottsdale Insurance name, a rating of an A+.

National Casualty is also professionally associated with the Wholesale & Specialty Insurance Association (WSIA), a world-class, member service organization.

National Casualty Insurance: Auto Insurance History

Who is the National Casualty Company? National Casualty Company is a subsidiary of Nationwide Insurance. Nationwide has a division of insurance under the Scottsdale Insurance Company division.

The subsidiary, the Scottsdale Insurance Company, was established in 1982 with only 12 employees. Now there are over 1,300 employees and annual premium sales in excess of $2 billion. National Casualty Company has contributed to the success of Scottsdale as one of its insurance groups.

National Casualty Auto Insurance is a part of the Excess and Surplus Specialty Team of the Nationwide Mutual Insurance Company. It was created in 1982.

The Nationwide Mutual Insurance company writes policies under all of the following company names:

  • Western Heritage Insurance Company
  • Scottsdale Surplus Lines Insurance Company
  • Scottsdale Insurance Company
  • Scottsdale Indemnity Company
  • National Casualty Company
  • Freedom Specialty Insurance Company

This National Casualty Auto Insurance review will look at operations through both the Scottsdale entity and National Casualty.

How is National Casualty Insurance’s online presence?

National Casualty Insurance does provide its customers with a website where they can find a local agent, make a payment, file a claim, and do a variety of other insurance-related tasks.

You can also use the National Casualty website to request an ID card, a certificate of insurance, or a policy change.

Does National Casualty Insurance have commercials?

While the company doesn’t run commercials under the name National Casualty, they do run television commercials for their parent company, Nationwide Insurance.

The video below is one example of the television ads run by Nationwide Insurance. The jingle is probably familiar to you.

Their most recent television ads feature football star Peyton Manning and country singer Brad Paisley like the one above.

Keep reading to learn more about National Casualty Insurance.

Is National Casualty Insurance involved in the community?

National Casualty believes in giving back to the community. They are active in the United Way campaign in Arizona and contribute yearly to local organizations.

The company also encourages its employees to be involved in local charities such as:

  • St. Mary’s Food Bank Alliance
  • American Red Cross
  • The Boys and Girls Clubs of Greater Scottsdale

In addition to community involvement, National Casualty believes in making a difference within their organization. They have implemented campaigns to cut water usage, recycle, conserve energy, implement organized carpooling, and conserve paper usage.

What do National Casualty Insurance employees have to say?

Jobs for National Casualty are available on the Scottsdale Insurance website. Simply input the job category, location, and any keywords to view all job opportunities.

There is even a separate area for “hot job opportunities” that you can click on to view the job description, location, and requirements. The site also provides the ability to do the following:

  • Tell a friend about the job
  • Save to a job cart to view later
  • Apply online

On the website, there’s the ability to establish an account, but it’s not mandatory. By making an account you can save your resume and set up a way for managers to contact you for jobs that fit your experience.

Scottsdale Insurance provides numerous benefits to its employees. For instance, there is profit-sharing, a 401(k), business casual attire permitted, flexible schedules, onsite ATM, professional development, and tuition reimbursement.

A unique attribute to working for National Casualty through Scottsdale Insurance is the associate assistance program, which helps its employees when they need child or elder care.

Should you become employed by Scottsdale, there is even information on the website regarding the area of Scottsdale. There is a brief description of the area and links to learn more about the city.

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Design of National Casualty Insurance Auto Insurance Website/App

The company’s website is well organized and provides information on all the services available through the company, how to find a local agent, how to file a claim, and much more.

The company doesn’t offer a mobile app at this time.

National Casualty Insurance: The Bottom Line

Now that you know all that you need to know about buying your auto insurance policy from National Casualty Insurance, we hope that you’ll feel more confident.

Which part of this guide was the most helpful for you?

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Frequently Asked Questions: National Casualty Insurance

In this section, we answer some of the most commonly asked questions about National Casualty Insurance’s auto insurance policies. Some of the answers may have been covered in part or in full in the guide above, but if there’s something else you want to know, take a look below to see if your question has been addressed.

#1 – How does adding drivers to my auto insurance policy affect my rates?

Adding another driver to your auto insurance policy means that your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means that your rates will be affected by that driver’s perceived risk as well.

For example, adding a teenager to your policy can raise your auto insurance rates drastically, since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers. Adding your spouse might not raise your rates quite as much.

There are restrictions as to whom you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy. Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.

#2 – Why would my provider cancel my auto insurance policy?

Your auto insurance provider may cancel your policy if you do any of the following:

  • Fail to pay your auto insurance premium
  • Have your driver’s license suspended or revoked
  • Lie during the application process

Also, if you’re found to be a high-risk driver, your auto insurance company may choose not to renew your policy.

#3 – Are there benefits to using an agent to purchase auto insurance?

While it’s possible to purchase your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so.

First of all, if you choose to go with a local agent, you’ll get the advantage of more personalized service. This experience is just not possible when you purchase directly from a large company. With a local agent, you may even speak to the same person about your policy every time.

Many people believe that buying directly from the company can save them money by cutting out the figurative middleman, but this theory fails to take into account the amount of money these companies spend on direct marketing. That can level the playing field, meaning that a local agent can often offer you the same price you could get buying directly from the company.

#4 – What kinds of questions should I be prepared for when purchasing my auto insurance policy?

When you apply for an auto insurance policy, you will be asked a series of demographic questions such as your name, age, and gender. You will also be asked a variety of other questions aimed at assessing your risk as a driver.

Some of the things the insurance company will want to know about are your financial background, the type of vehicle you’re insuring, and whether you’ve had any tickets or accidents in the past.

Once this information is collected, the insurance company uses this data to assess your risk as a driver and to determine your policy rates. This is known as the underwriting process. By using this method of risk evaluation, auto insurance companies can reduce their chances of losing money on issued policies. Through this process, the insurer can determine your risk factors and decide if they want to insure you, and if so, at what rate.

#5 – Does National Casualty Insurance offer SR-22 insurance?

If you’ve had more than your fair share of traffic citations, automobile accidents, and auto insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers are required to purchase SR-22 insurance, which isn’t available through all companies, so it may take some looking around to find coverage.

The filing fee to get SR-22 insurance is only $15–$35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.