National Casualty Auto Insurance Review (2022)

National Casualty Auto Insurance Company is a subsidiary of Nationwide. They provide high-risk auto insurance through independent agents and have an A+ financial rating from A.M. Best.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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 ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 14, 2022Fact Checked
Quick Read

The Bottom Line

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?

Enter your ZIP code below and start comparing FREE auto insurance quotes now.

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.

Is National Casualty Insurance a Good Choice?

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.

National Casualty Insurance Rates

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 Auto Insurance Rates by Coverage
Coverage TypesAverage Annual Auto Insurance Rates Average Monthly Auto Insurance Rates
Comprehensive coverage$150.36$12.53
Collision coverage$299.73$24.97
Liability coverage$516.39$43.03
Total Full Coverage Cost $954.99$79.58
Get Your Rates Quote Now

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

National Casualty Insurance Discounts Available

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
Auto Insurance 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 discount 5%–10%GEICO, Allstate, Liberty Mutual
Homeowner discount3% State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers
Get Your Rates Quote Now

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.

National Casualty Insurance Coverage Options

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 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
Get Your Rates Quote Now

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.

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.

Frequently Asked Questions

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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 ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption