National Specialty Insurance Company: Customer Ratings & Reviews [2024]

Secure your coverage with National Specialty Insurance Company, a subsidiary of State National Insurance Company, offering auto, home, and specialty insurance products with an "A" rating from A. M. Best.

UPDATED: Jan 30, 2024Fact Checked

Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, Vitacost, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Comp...

Professor of Nutrition & Kinesiology

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

UPDATED: Jan 30, 2024

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: Jan 30, 2024

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: Jan 30, 2024Fact Checked
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National Specialty Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • National Specialty Insurance Company offers a variety of insurance products, including auto, home, and specialty insurance.
  • The company has an “A” rating with A.M. Best, indicating a stable financial outlook and a superior ability to meet customers’ expectations.
  • National Specialty Insurance Company provides coverage nationwide.

Cons

  • The company’s website does not mention specific discounts or coverage options.
  • Limited information is provided about the customer experience, such as reviews or complaint levels.
  • The availability of physical locations for National Specialty Insurance Company is not clear.

Final Verdict: Review of National Specialty Insurance Company

To get the best information about National Specialty Insurance Company, you may want to read our National Specialty Insurance Company review. We explain the company’s availability across the United States and other technical information, which we’ll break down in this guide.

Continue reading to learn about National Specialty Insurance Company’s New York, Montana, and other United States locations. We’ll cover National Specialty Insurance Company auto insurance ratings and review as well.

If you’re ready to compare auto insurance companies in your local area, you can skip this National Specialty Insurance Company review and enter your ZIP code in the free comparison tool above to find the best rates around you.

To get the best information about National Specialty Insurance Company, you may want to read our National Specialty Insurance Company review. We explain the company's availability across the United States and other technical information, which we'll break down in this guide. Continue reading to learn about National Specialty Insurance Company's New York, Montana, and other United States locations. We'll cover National Specialty Insurance Company auto insurance ratings and review as well. If you're ready to compare auto insurance companies in your local area, you can skip this National Specialty Insurance Company review and enter your ZIP code in the free comparison tool above to find the best rates around you.

What You Should Know About National Specialty

State National Insurance Company was founded in 1973, but it didn’t start using its current name until 1984. 

National Specialty Company’s NAIC number is 22608.

Therefore, National Specialty Insurance Company underwrites home insurance policies. National Specialty Insurance Company is a Markel company, which means the Markel Corp holding company owns them.

National Specialty Insurance Company Availability

National Specialty Insurance Company reviews all insurance policies for its parent company, which has availability across the nation. You can find National Specialty Insurance Company Florida reviews and complaints online, but you may run into an entirely different company.

National Specialty Insurance Company is a subsidiary of the State National Insurance Company. State National Insurance Company was formerly known as State National Company but changed its name in 1984.

National Specialty Insurance Company shares an A. M. Best “A” rating with its parent company.

Read more:

National Specialty Insurance is often mistaken for Florida Specialty Insurance Company (FSIC). FSIC has been ordered into receivership management programs by the State of Florida.

If you were looking for the National Specialty Insurance Company in Providence, RI, or Marietta, GA, you might not have any luck finding a physical location. Although National Specialty Insurance Company does business nationwide, its corporate location is in Bedford, TX.

In Marietta, GA, you will find Loya Insurance. If you’ve searched for National Specialty Insurance Company, Loya Insurance in Marietta, GA, may have come up. They’re two different insurance companies, where National Specialty Insurance appears to be part of a more prominent company. This can become confusing, especially if you don’t realize they’re different companies, and end up with Loya after searching for National Specialty Insurance.

Speaking of locations, did you know that full coverage auto insurance rates vary by location? What is full coverage auto insurance? It can be important to know about depending on where you live.

Full coverage auto insurance is liability, collision, and comprehensive coverages combined.

Let’s compare Texas’s average auto insurance rates to the national average to see the difference in auto insurance costs.

Texas Car Insurance Rates Compared to National Average

States Average Annual Liability Rates Average Annual Collision Rates Average Annual Comprehensive Rates Average Annual Full Coverage Rates
Texas $550 $380 $207 $1,137
National Average $555 $326 $148 $1,030

These average full coverage insurance rates are from the National Association of Insurance Commissioners (NAIC). Texas car insurance is about $107 more expensive than the national average. We used Texas as an example because that’s where National Specialty Insurance is located.

If you get higher auto insurance rates, start asking about discount car insurance options (read our “Aggressive Auto Insurance Review” for more information). Bear in mind that not all insurance companies offer bundling options. Shop around for the best rate.

National Specialty Insurance Company Financial Strength and Credit Ratings

Before you buy National Specialty Insurance Company policies, you should be aware of its financial strength and credit ratings. One of the most reliable rating agencies is A. M. Best.

According to A. M. Best, National Specialty Insurance Company shares its A. M. Best rating with State National Insurance Company since the company serves as National Specialty’s parent company.

National Specialty Insurance Company has an “A” rating with A.M. Best.

It’s not the best rating, but it’s considered an excellent rating, which means National Specialty Insurance Company has a stable financial outlook and has a superior ability to meet its customers’ expectations.

At the Better Business Bureau (BBB), National Specialty Insurance doesn’t have a rating, but State National Insurance Company does. The BBB rating is “A+.” State National Insurance Company has four complaints, and one complaint was closed within the last year.

State National Insurance Company Contact Information

For this section, we’ll cover all the State National Insurance Company’s contact information and its subsidiaries.

National Special Insurance Company login and website is shared with its sister company, United Specialty Insurance Company MGA. United Specialty Insurance Company provides the same insurance services, including commercial trucking.

You may find United Specialty Insurance Company reviews that describe the company as independent, but it’s under State National Insurance Company.

Here’s a list of National Specialty Insurance Company contact information and United Specialty Insurance Company claims contact information.

  • National Specialty Insurance Company Email Address: Unavailable.
  • National Specialty Insurance Company Claims Phone Number: 1-817-265-2000 (or toll-free at 1-800-877-4567)
  • United National Specialty Insurance Company Email Address: [email protected]
  • United National Specialty Insurance Company Claims Phone Number: 1-800-245-1505

Maybe you recently made a claim, and you want to avoid higher auto insurance rates. Use our free comparison tool to compare auto insurance in our local area.

National Specialty Insurance Coverage Options

National Specialty Insurance Company is a subsidiary of the State National Insurance Company. State National Insurance Company Inc. provides:

  • Auto
  • Airplane
  • Home insurance
  • Commercial auto
  • Earthquake insurance
  • Flood insurance.

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National Specialty Insurance Rates Breakdown

Driver ProfileNational SpecialtyNational Average
Clean Record$70$119
1+ Ticket$180$147
1+ Accident$220$173
DUI$250$209
Poor Credit$120$205

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

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National Specialty Discounts Available

DiscountNational Specialty
Anti Theft5%
Good Student10%
Low Mileage8%
Paperless7%
Safe Driver15%
Senior Driver12%

One of the keys to affordable National Specialty Insurance is discounts. Let’s examine some of the discounts that are available at the National Specialty Insurance Company.

  • Fleet Discount – This discount is for companies insurance that has multiple vehicles on the same policy.
  • Longtime Customer Discount – For customers who have been with the company over time, you can receive a discount for renewing your policy.
  • Multiple Policy Discount – For customers who have multiple insurance policies (bundling insurance policies) with National Specialty, you can get a discount.
  • Safe Driver Discount – Maintaining a clean driving record qualifies you for a discount. Clean driving records include no claims, no accidents, and no traffic violations.

Discounts can bring down National Specialty Insurance rates, but you should get an idea of how much you’ll spend once you get National Specialty Insurance quotes on the phone or online.

How National Specialty Ranks Among Providers

n the fiercely competitive landscape of insurance providers, National Specialty Insurance Company faces robust rivalry from several key players vying for market dominance. These competitors operate within the same sphere, offering a range of insurance products to meet the diverse needs of consumers. Understanding the landscape of these rivals is crucial for anyone seeking the optimal coverage and service in an ever-evolving industry.

  • State Farm Insurance: As a behemoth in the insurance realm, State Farm stands as one of the primary competitors of National Specialty Insurance Company. With a broad range of offerings including auto, home, and specialty insurance, State Farm’s extensive network and longstanding reputation pose a formidable challenge.
  • Allstate Insurance: Another heavyweight in the insurance sector, Allstate, competes head-to-head with National Specialty. Known for its diverse coverage options and widespread presence, Allstate caters to a vast customer base, providing stiff competition in the areas of auto and home insurance.
  • Progressive Corporation: Renowned for its innovative approach and aggressive marketing strategies, Progressive is a significant contender in the auto insurance arena. Competing directly with National Specialty in the auto insurance space, Progressive’s emphasis on technology and customer-centric solutions sets it apart.
  • GEICO (Government Employees Insurance Company): As a subsidiary of Berkshire Hathaway, GEICO is a formidable force in the insurance market, particularly excelling in the auto insurance sector. With a focus on affordability and user-friendly services, GEICO competes closely with National Specialty Insurance Company for customers seeking reliable coverage.

In the dynamic world of insurance, the competition among National Specialty Insurance Company and its counterparts is intense. As consumers navigate through options, understanding the strengths and specialties of these competitors becomes essential for making informed decisions.

Each player brings unique strengths and offerings to the table, creating a vibrant marketplace where customers can explore and compare to secure the best insurance solutions for their needs.

Read more: National Casualty Company: Customer Ratings & Reviews

Frequently Asked Questions

What types of insurance products does National Specialty Insurance Company offer?

National Specialty Insurance Company offers auto, home, and specialty insurance products.

Is National Specialty Insurance Company a good choice for insurance?

National Specialty Insurance Company has an “A” rating with A.M. Best, indicating stability and customer satisfaction. Compare quotes from multiple providers for the best coverage and price.

Where is National Specialty Insurance Company located?

National Specialty Insurance Company is headquartered in Bedford, TX, but provides coverage nationwide.

Does National Specialty Insurance Company offer discounts?

Yes, National Specialty Insurance Company offers discounts that can bring down insurance rates. However, it’s important to get an idea of how much you’ll spend once you get National Specialty Insurance quotes on the phone or online.

What is National Specialty Insurance Company’s parent company?

State National Insurance Company is the parent company of National Specialty Insurance Company.

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Melissa Morris

Professor of Nutrition & Kinesiology

Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, Vitacost, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Comp...

Professor of Nutrition & Kinesiology

Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

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.

No comments at this time...

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Compare Insurance Providers Rates to Save Up to 75%

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