First National Auto Insurance: Coverage, Rates and Reviews

Choosing the right auto insurance can feel overwhelming, especially with so many providers competing for your attention. Among the options on the market, First National Auto Insurance often comes up as a contender for drivers seeking solid coverage, competitive rates, and dependable customer service. Understanding what this insurer offers – and how it compares – is essential before you commit to a policy.

What Is First National Auto Insurance?

First National Auto Insurance is typically associated with regional or mid-sized carriers that position themselves as customer-focused alternatives to the largest national brands. While it may not have the name recognition of the top five insurers, it aims to compete through a combination of affordable premiums, flexible coverage options, and a more personalized service experience.

In today’s insurance landscape, smaller and mid-tier carriers often strive to differentiate themselves with:

• More hands-on customer support
• Streamlined digital tools for quotes and claims
• Transparent pricing and fewer hidden fees
• Localized knowledge of driving risks and regulations

First National Auto Insurance typically fits this mold, appealing to drivers who want a balance between cost and service rather than just the lowest possible rate.

Core Coverage Options Offered

Whether you’re shopping for your first policy or considering a switch, it’s important to understand the types of coverage that First National Auto Insurance is likely to offer. Most carriers, regardless of size, build their auto products around similar core protections, then layer on extras and discounts.

Liability Coverage

Liability is the legal foundation of any auto policy and is required in almost every state.

• Bodily injury liability: Covers medical expenses, lost wages, and legal costs if you’re at fault for an accident that injures others.
• Property damage liability: Pays for damage you cause to another person’s vehicle or property (such as fences, buildings, or signage).

With First National Auto Insurance, you can usually choose from a range of liability limits. Industry experts generally recommend going beyond state minimums, because medical and legal costs can easily exceed low baseline requirements.

Collision Coverage

Collision pays for repairs to your own vehicle after an accident, regardless of who is at fault, up to the vehicle’s actual cash value. If you have a newer car or an auto loan or lease, collision coverage is often required by your lender.

Insurers like First National Auto Insurance commonly allow you to select a deductible – the amount you pay out of pocket before coverage kicks in. A higher deductible can lower your premium but increases your financial responsibility after a crash.

Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision risks such as:

• Theft or vandalism
• Fire and explosions
• Hail, windstorms, or falling objects
• Floods and certain weather-related events
• Collisions with animals

For many drivers, especially those in areas with extreme weather or higher theft rates, comprehensive coverage offers critical peace of mind.

Uninsured and Underinsured Motorist Protection

Industry data from organizations such as the Insurance Research Council show that roughly 1 in 8 drivers in the U.S. is uninsured, with even more carrying only minimal coverage. Uninsured/underinsured motorist coverage can help pay for your injuries and, in some states, property damage if you’re hit by a driver who lacks sufficient insurance.

First National Auto Insurance policies often include these protections or offer them as add-ons, and they’re especially important in states with higher rates of uninsured drivers.

Medical Payments and Personal Injury Protection (PIP)

Depending on your state, your policy may include medical payments coverage (MedPay) or personal injury protection (PIP). These cover medical expenses for you and your passengers after an accident, regardless of fault, and PIP may also cover lost wages and certain related costs.

First National Auto Insurance generally aligns with state regulations on these coverages while giving policyholders some flexibility on limits and options.

Additional Coverage Enhancements

Beyond the basics, many drivers look for features that make day-to-day ownership easier and cut down on unexpected costs. First National Auto Insurance typically provides access to several useful endorsements.

Roadside Assistance

Roadside assistance can be a low-cost add-on that pays off quickly. It can help with:

• Towing to a nearby repair facility
• Jump-starting a dead battery
• Fuel delivery if you run out of gas
• Tire changes and basic roadside repairs
• Lockout services

Drivers who commute long distances or frequently travel by car may find roadside assistance particularly valuable.

Rental Reimbursement

If your vehicle is in the shop due to a covered claim, rental reimbursement helps pay for a rental car or alternative transportation. The coverage usually comes with a per-day and per-claim maximum. For many busy households, this protection can prevent major disruptions if a primary vehicle is out of service for several days.

Gap Insurance

Vehicle values depreciate quickly, often faster than you can pay down a loan or lease. Gap coverage helps bridge the difference between what you owe and the vehicle’s actual cash value if it’s totaled in a covered incident. First National Auto Insurance may offer gap insurance as an optional add-on, a feature especially relevant for new car buyers or those with minimal down payments.

Coverage for Custom Equipment

Drivers who invest in custom wheels, audio systems, performance upgrades, or cosmetic modifications should confirm whether those additions are covered. Some carriers, including First National Auto Insurance, may allow you to schedule additional coverage for aftermarket parts so your investment is protected after a loss.

How Much Does First National Auto Insurance Cost?

Auto insurance pricing is highly individualized. While marketing materials may highlight “average savings,” your own rate will depend on a variety of factors. Research from industry sources suggests that even within the same company, premiums can differ by hundreds of dollars per year based on personal risk profiles.

Key Factors That Influence Your Rate

First National Auto Insurance premiums are typically calculated using a combination of these common variables:

• Driving history: Accidents, speeding tickets, DUIs, and past claims signal higher risk and often lead to higher rates.
• Location: Urban areas with heavy traffic, higher crime rates, or severe weather patterns usually see higher premiums than quieter rural communities.
• Vehicle type: Make, model, age, and safety features all matter. High-performance or luxury vehicles typically cost more to insure than safe, mid-priced sedans.
• Coverage selections: Higher liability limits, low deductibles, and extra endorsements increase your premium but also your protection.
• Annual mileage: The more you drive, the more exposure you have to potential accidents.
• Credit-based insurance scores (in states where allowed): Insurers often use credit-based scores to predict risk, as data indicates a correlation between credit behavior and claims frequency.
• Age and driving experience: Young drivers and those with limited experience tend to pay significantly more than mature, experienced drivers.

How First National Compares on Pricing

As a mid-tier or regional option, First National Auto Insurance often aims to undercut the largest national carriers, especially for:

• Safe, experienced drivers with clean records
• Households willing to bundle auto with home, renters, or other policies
• Drivers in areas where the company has a strong local presence and good loss experience

However, no single insurer is cheapest for everyone. A best practice recommended by consumer advocates and financial planners is to collect at least three to five quotes, including from competitors of First National Auto Insurance, before making a decision.

Available Discounts and Savings Opportunities

Discounts can make a meaningful difference in your total premium, particularly if you qualify for multiple savings categories. While specific offers vary by state and underwriter, First National Auto Insurance typically provides a range of incentives similar to other mainstream carriers.

Common Discount Types

• Safe driver discount: For maintaining a clean driving record with no at-fault accidents or serious violations over a specific time period.
• Multi-policy discount: Bundling auto, home, condo, renters, or even life insurance with the same company often unlocks significant savings.
• Multi-car discount: Insuring multiple vehicles on one policy can reduce the per-car rate.
• Good student discount: Young drivers who maintain a qualifying GPA may receive lower premiums.
• Defensive driving courses: Completing an approved driving course can sometimes yield a discount, especially for older drivers.
• Vehicle safety features: Cars equipped with anti-lock brakes, airbags, lane departure warnings, or anti-theft devices may qualify for savings.
• Telematics or usage-based programs: Some insurers reward low-mileage or consistently safe driving habits tracked via a smartphone app or plug-in device.

When requesting a quote from First National Auto Insurance, always ask which discounts you’re eligible for and whether any additional steps (such as documentation or app enrollment) can unlock more savings.

Customer Experience and Claims Handling

Insurance is ultimately a promise to help you recover financially after a loss. How an insurer handles claims can matter more than saving a few dollars on your premium. Reviews and independent surveys often reveal whether a company delivers when customers need it most.

Customer Service Reputation

Mid-sized insurers like First National Auto Insurance frequently earn positive marks for personal service, especially when they maintain local agents or smaller regional offices. Customers may appreciate:

• Being able to reach a live representative quickly
• Working with the same agent over time
• Clear explanations of coverage and claim steps
• Proactive communication about policy changes, renewals, or discounts

That said, online reviews can be mixed, as dissatisfied customers are more inclined to post feedback than satisfied ones. To get a balanced view, consider:

• Checking independent review platforms such as consumer advocacy sites
• Reviewing any complaints logged with your state’s insurance department
• Asking friends, family, or colleagues about their experiences

Claims Process and Response Time

When examining First National Auto Insurance reviews, pay attention to comments about claims experiences. Strong insurers usually share these traits:

• 24/7 claims reporting via phone, app, or website
• Clear expectations on next steps and timelines
• Professional, courteous adjusters
• Fair, transparent settlement offers
• Reasonable repair network options or flexibility to choose your own shop

Industry research shows that policyholders tend to stay loyal when claim resolution is fast and hassle-free, even if premiums are slightly higher. If First National Auto Insurance consistently earns positive feedback in this area, that’s a strong point in its favor.

Financial Strength and Stability

Financial strength ratings from agencies like A.M. Best, Standard & Poor’s, or Moody’s reflect an insurer’s ability to pay claims over the long term. While ratings can vary among specific entities using the “First National” brand, choosing an insurer with strong ratings is generally considered a best practice.

Before finalizing your policy, it’s wise to:

• Look up your specific First National Auto Insurance underwriter by legal name
• Check its current financial strength ratings from at least one major agency
• Confirm there are no significant regulatory actions or solvency concerns

Stable financial backing doesn’t guarantee a perfect customer experience, but it does increase confidence that the company can honor claims even during periods of economic stress or heavy catastrophe losses.

Pros and Cons of First National Auto Insurance

Every insurer has trade-offs. Weighing the advantages and drawbacks of First National Auto Insurance can help you decide whether it aligns with your priorities.

Potential Advantages

• Competitive pricing for many drivers: Especially if you qualify for key discounts or bundle multiple policies.
• Personalized service: A potentially more relationship-driven approach than some large, fully digital brands.
• Standard and optional coverages: A broad menu of protections comparable to major national insurers.
• Local expertise: Insight into regional driving risks, state regulations, and repair networks.

Possible Drawbacks

• Limited availability: Some First National-branded insurers operate only in certain states or regions.
• Fewer digital tools in some cases: Not all mid-sized carriers have the same app features, online portals, or telematics programs as the largest competitors.
• Variability in service: Customer experience can differ by location, agent, and claims team.
• Less brand visibility: Fewer online reviews or independent rankings can make research slightly more challenging.

The right choice comes down to which factors matter most to you: lowest price, rock-solid digital tools, hands-on local support, or a blend of all three.

How to Get a Quote from First National Auto Insurance

Requesting a quote is the only way to know whether First National Auto Insurance will be cost-effective for your situation. To streamline the process and improve accuracy, gather some basic information beforehand.

Information You’ll Need

• Driver details for everyone on the policy (names, dates of birth, license numbers)
• Vehicle information (year, make, model, VIN if available, mileage, usage)
• Current or prior insurer details and coverage limits
• Accident and violation history (usually three to five years)
• Desired coverage types, limits, and deductibles

Having this data ready allows First National Auto Insurance to generate a more precise quote and helps you quickly compare it against competing offers.

Tips for Comparing Quotes Effectively

When evaluating First National Auto Insurance alongside other providers, use these guidelines:

1. Match coverage apples to apples: Ensure each quote includes the same liability limits, deductibles, and add-ons.
2. Look beyond the monthly price: Consider claim reputation, customer service reviews, and financial ratings.
3. Ask about discounts explicitly: Some savings are only applied if you inquire or complete extra steps (like sending transcripts for a good student discount).
4. Consider total household costs: Factor in potential home, renters, or other policies you might bundle with First National Auto Insurance.
5. Review policy documents carefully: Before signing, read the declarations page and key exclusions so there are no surprises later.

Who Is First National Auto Insurance Best For?

While nearly any driver can request a quote, First National Auto Insurance may be especially attractive to certain segments of the market.

Ideal Policyholders

• Safe, experienced drivers who want a balance of value and service rather than the absolute lowest cost at any price.
• Families or households with multiple vehicles and potential bundling opportunities.
• Drivers who appreciate local insight and prefer to work with an agent who knows their community.
• Policyholders seeking straightforward coverage with options to add conveniences like roadside assistance and rental reimbursement.

Drivers Who May Want to Compare More Broadly

• Tech-focused customers who prioritize advanced apps, instant digital claims, or fully online experiences might favor brands that specialize in digital-first service.
• High-risk drivers with multiple tickets or accidents may find specialized non-standard insurers more accommodating, although a quote from First National Auto Insurance is still worth exploring.
• Those in states where the company has limited presence may find more robust networks or repair partnerships with larger carriers.

Industry Trends Affecting Rates and Coverage

Auto insurance is evolving rapidly due to economic conditions, technology, and shifting driver behavior. Understanding these trends can put First National Auto Insurance quotes and coverage options into context.

Rising Repair and Medical Costs

Inflation, more advanced vehicle technology, and higher medical expenses have contributed to rising premium levels across the industry. Even insurers with tight cost controls face pressure to adjust pricing, which is why regular reviews of your policy – including with First National Auto Insurance – are important.

Telematics and Usage-Based Insurance

More carriers now use telematics to reward safe driving and low mileage. If First National Auto Insurance offers a usage-based program, participating could lower your premium if you routinely drive carefully, avoid hard braking, and limit nighttime driving.

Growth of Digital Claims

Photo-based estimates, virtual adjusters, and online status tracking are becoming standard. When evaluating First National Auto Insurance, ask how digital its claims process is and whether you can submit documentation and follow your claim online.

Practical Steps Before You Decide

Before choosing any insurer, including First National Auto Insurance, take a few practical steps to protect yourself and your budget.

1. Define Your Coverage Priorities

Decide what matters most: low deductibles, high liability limits, comprehensive protection for your own car, or minimal coverage to satisfy state requirements. Clear priorities help you evaluate quotes more objectively.

2. Gather Multiple Quotes

Request estimates from at least three insurers, including First National Auto Insurance. Keep copies of each quote and compare line by line, not just the bottom-line premium.

3. Check Independent Ratings and Reviews

Visit official rating agencies and consumer review platforms to understand each insurer’s strengths and weaknesses. A slightly higher premium from a company with better claim satisfaction may be worth the extra cost.

4. Talk to an Agent or Representative

Sometimes a short conversation can reveal discounts, coverage nuances, or service benefits that aren’t obvious from an online quote form. Ask specific questions about claims handling, availability of local repair partners, and support after business hours.

5. Review and Reassess Annually

Your insurance needs evolve as your car ages, you move, change jobs, or add drivers to your household. Revisit your First National Auto Insurance policy – or any policy – once a year to confirm it still fits your life, finances, and risk tolerance.

Final Thoughts

First National Auto Insurance can be a strong contender for drivers who want solid protection, competitive rates, and a more personal touch than some of the largest national brands provide. By understanding its coverage options, pricing drivers, discount opportunities, and customer experience, you can make an informed decision about whether it fits your needs.

As with any major financial commitment, take time to compare quotes, read reviews carefully, and evaluate the company’s financial strength. With a thoughtful, research-based approach, you can decide whether First National Auto Insurance belongs on your shortlist – and secure the right combination of price, protection, and peace of mind for the road ahead.