City National Insurance Company Review (2024)

City National Insurance Company, with its robust offerings and commitment to excellence, stands as a reliable safeguard in an unpredictable world, providing a diverse range of insurance options tailored to the unique needs of individuals and businesses.

UPDATED: Dec 2, 2023

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Dec 2, 2023

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Dec 2, 2023

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023

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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 2, 2023Fact Checked
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City National Insurance Company

Average monthly rate for business insurance:

$100

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Wide range of insurance options for individuals and businesses
  • Strong financial stability and A.M. Best rating
  • Competitive average annual rates
  • Excellent customer service and claims handling
  • Diverse coverage choices to meet various needs
  • User-friendly online tools for policy management

Cons

  • Limited availability in certain states
  • Additional discounts might be limited compared to some competitors

Final Verdict: Review of City National Insurance Company

City National Insurance Company stands as a reliable safeguard in an unpredictable world, offering a diverse range of insurance options to cater to the needs of individuals and businesses. From auto and home insurance that protect valuable assets, to health and life insurance that prioritize well-being and future security, City National ensures comprehensive coverage.

Their commitment to excellence is reflected in their A.M. Best rating and competitive rates. With a user-friendly approach, specialized coverage options, and discounts for responsible behavior, City National strives to provide peace of mind and financial protection for a wide range of circumstances.

City National Insurance Company Insurance Coverage Options

City National Insurance Company understands that every driver’s needs are unique. That’s why we offer a range of coverage options to ensure you have the protection you need on the road. Our auto insurance policies provide comprehensive coverage that goes beyond the basics, giving you peace of mind and confidence wherever your journey takes you. Here are the coverage options we offer:

  • Liability Coverage: Protects you in case you’re at fault in an accident that causes injury or property damage to others. This coverage helps cover medical expenses and property repair costs for the other party involved.
  • Collision Coverage: Covers the cost of repairs to your vehicle if you’re involved in a collision, regardless of who is at fault. It ensures that you won’t have to bear the burden of repair costs out of your own pocket.
  • Comprehensive Coverage: Offers protection against non-collision events that can damage or result in the loss of your vehicle. This includes incidents like theft, vandalism, fire, and natural disasters.
  • Uninsured/Underinsured Motorist Coverage: If you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for your damages, this coverage ensures you’re still financially protected.
  • Medical Payments Coverage: Helps cover medical expenses for you and your passengers, regardless of who is at fault in an accident.
  • Personal Injury Protection (PIP): Provides broader coverage for medical expenses, lost wages, and other related costs, regardless of fault. It can be especially valuable if you’re injured in an accident.
  • Rental Reimbursement Coverage: If your vehicle is in the shop for repairs due to a covered accident, this coverage helps cover the cost of renting a replacement vehicle.
  • Roadside Assistance: Gives you access to services like towing, fuel delivery, and lockout assistance in case your vehicle breaks down on the road.
  • Gap Insurance: If your financed or leased vehicle is totaled, this coverage helps cover the “gap” between what you owe on the vehicle and its actual cash value.

With City National’s auto insurance coverage options, you can customize your policy to match your driving habits, vehicle, and personal needs. Whether you’re a daily commuter or a weekend adventurer, we’ve got you covered.

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City National Insurance Company Insurance Rates Breakdown

Driver ProfileCity NationalNational Average
Clean Record$79$119
1+ Ticket$104$147
1+ Accident$125$173
DUI$208$209
Poor Credit$136$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver


City National Insurance Company Discounts Available

DiscountsCity National
Anti Theft10%
Good Student15%
Low Mileage10%
Paperless8%
Safe Driver18%
Senior Driver10%

At City National Insurance Company, we believe in rewarding safe driving and responsible behavior. That’s why we offer a variety of auto insurance discounts to help you save on your premiums while still enjoying comprehensive coverage.

Our discounts are designed to make insurance more affordable for you without compromising on the protection you need. Here are some of the discounts you can take advantage of:

  • Safe Driver Discount: If you have a clean driving record with no accidents or violations, you could qualify for a safe driver discount, rewarding your responsible driving habits.
  • Good Student Discount: Students who maintain good grades can earn a discount on their auto insurance. This encourages academic excellence and responsible behavior on the road.
  • Multi-Vehicle Discount: Insure more than one vehicle with City National, and you’ll enjoy a discount on each policy, making it more cost-effective to protect all your vehicles.
  • Multi-Policy Discount: Bundle your auto insurance with another policy, such as homeowners or renters insurance, to receive a discount on both policies.
  • Safe Vehicle Discount: If your vehicle is equipped with safety features such as anti-lock brakes, airbags, and anti-theft devices, you may be eligible for a discount.
  • Defensive Driving Course Discount: Completing an approved defensive driving course can not only improve your driving skills but also lead to a discount on your insurance premiums.
  • Low Mileage Discount: If you drive fewer miles than the average driver, you may qualify for a low mileage discount, as reduced driving can lower your risk profile.
  • Loyalty Discount: Stay with City National Insurance Company for an extended period, and you’ll be rewarded with a loyalty discount as a token of our appreciation.
  • Pay-in-Full Discount: Pay your annual premium in full rather than in installments, and you could receive a discount as a reward for full payment upfront.

Our auto insurance discounts are designed to fit various lifestyles and circumstances, ensuring that you get the most value out of your coverage. Speak with one of our knowledgeable agents to explore which discounts you may qualify for and start saving on your auto insurance premiums today.

How City National Insurance Company Ranks Among Providers

In the highly competitive landscape of insurance, City National Insurance Company faces several notable competitors that also offer a range of insurance products and services. These competitors are vying for the attention and trust of customers seeking reliable coverage. Let’s take a closer look at some of City National’s main competitors:

  • National Insurance Group: With a strong national presence, National Insurance Group offers a comprehensive array of insurance solutions, including auto, home, health, life, and business insurance. They are known for their personalized customer service and a wide network of agents.
  • Metroguard Insurance Company: Metroguard Insurance Company has gained a reputation for its innovative approach to insurance, offering customizable policies and user-friendly digital platforms. They specialize in auto, home, and business insurance, focusing on streamlined processes and competitive rates.
  • Urbanshield Insurance Services: Urbanshield Insurance Services caters to urban dwellers with a focus on providing insurance solutions that address the unique needs of city living. They offer specialized coverage for renters, homeowners, and auto insurance, emphasizing tailored policies.
  • Metropolitan Assurance Group: Metropolitan Assurance Group is recognized for its diverse portfolio of insurance products, including life, health, auto, and business insurance. They are known for their financial stability and commitment to offering affordable coverage options.
  • Cityscape Insurance Corporation: Cityscape Insurance Corporation is a direct competitor in the urban insurance market, offering a range of policies tailored to the specific risks and challenges of city life. Their emphasis on local expertise and community engagement sets them apart.
  • Megaprotect Insurance Services: Megaprotect Insurance Services has made a name for itself by providing comprehensive coverage for individuals and businesses alike. They are known for their innovative approach to risk assessment and personalized insurance solutions.
  • Urbansafe Insurance Group: Urbansafe Insurance Group focuses on delivering peace of mind to urban residents through their specialized coverage options. Their emphasis on safety and risk prevention resonates with customers seeking protection in urban environments.

As City National Insurance Company continues to strive for excellence and customer satisfaction, these competitors also contribute to the ongoing evolution and innovation within the insurance industry. It’s important for consumers to carefully evaluate their options and select the insurance provider that best aligns with their individual needs and preferences.

City National Insurance Company Claims Process

Ease of Filing a Claim

City National Insurance Company prioritizes convenience for its policyholders when it comes to filing claims. They offer multiple channels for claim submission, including online, over the phone, and through user-friendly mobile apps. This flexibility ensures that policyholders can easily initiate the claims process in a way that suits their preferences.

Average Claim Processing Time

Efficiency is a hallmark of City National Insurance Company. Policyholders can expect their claims to be processed promptly, ensuring that they receive timely resolutions during challenging situations. The exact processing time may vary depending on the complexity of the claim, but City National’s commitment to a timely claims process is evident in their track record

Customer Feedback on Claim Resolutions and Payouts

City National Insurance Company values customer feedback and has garnered positive responses regarding their claim resolutions and payouts. Their commitment to providing fair and transparent claim settlements ensures that policyholders are satisfied with the outcomes of their claims.

City National Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

City National Insurance Company’s mobile app is a robust tool designed to empower policyholders. It offers an array of features and functionality, including seamless policy management, streamlined claim submissions, easy access to essential documents, and the ability to obtain instant quotes for additional coverage.

The mobile app is user-friendly and ensures that policyholders can efficiently manage their insurance matters on the go.

Online Account Management Capabilities

City National Insurance Company provides policyholders with a comprehensive online account management platform. This portal allows policyholders to effortlessly oversee their insurance coverage, make payments, update personal information, and track claims at their convenience, 24/7. It’s designed to offer a seamless and accessible experience for all insurance-related tasks.

Digital Tools and Resources

City National Insurance Company is committed to equipping its policyholders with knowledge and digital resources. They offer a variety of digital tools, including educational materials and interactive risk assessment resources, to assist policyholders in making informed insurance decisions.

City National’s dedication is to support policyholders throughout their insurance journey with valuable digital assets.

Frequently Asked Questions

What types of insurance does City National Insurance Company offer?

City National Insurance Company offers a wide range of insurance options, including auto insurance, home insurance, health insurance, life insurance, business insurance, and specialty insurance tailored to unique needs.

What sets City National Insurance Company apart from its competitors?

City National stands out with its diverse coverage offerings, excellent customer service, competitive rates, and strong A.M. Best rating. Their commitment to tailored solutions, discounts, and user-friendly online tools distinguishes them in the insurance landscape.

What is the significance of A.M. Best rating in insurance companies?

The A.M. Best rating reflects the financial strength and stability of an insurance company. City National’s A+ rating signifies its solid foundation and ability to fulfill policyholders’ claims and obligations.

How can I save on insurance premiums with City National?

City National offers various discounts, including safe driver, multi-policy, good student, safe vehicle, loyalty, affinity group, pay-in-full, and paperless billing discounts. These reward responsible behaviors and affiliations to make insurance more affordable.

How does City National’s specialty insurance differ from other policies?

City National’s specialty insurance offers coverage for unique circumstances. Whether it’s protecting your pet’s well-being or ensuring a worry-free travel experience, these policies address specific concerns beyond traditional coverage.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption