Not really because it's not about looks ! It's actually a compliment as most young men that have some maturity would rather be with someone with a great personality than just good looks ! Most of the time, the pretty ones with all the make-up and such are very shallow with snotty attitudes. A great personality is a wonderful thing. Looks aren't everything. This guy sounds like a smart one! Beauty is in the eye of the beholder !
Is this a compliment or an insult: I was taking to this guy about jow I am ugly compared to girls at my school because they are the stereotypical model girls and he said 'I can see why---but it's all about personality not looks. No offence"?
Unless he's a jerk it wasn't an insult. But look at it from his point of view what are you supposed to say when someone is talking badly about themselves? If you agree then you're a jerk, if you lay on the compliments then it seems insincere. People don't always know what to say in a situation like that. Give the dude a break, if you're going to talk badly about yourself you might get all kinds of responses.
In my opinion stop fretting about what others think and accept yourself for the beauty you are. Someone will always be prettier or more plain than you. But you are you. You are special. No one else looks exactly like you. Take pride in who you are.
It was neither.
He was just agreeing with what you were saying.
So any insult or compliment is on YOU ... Not him.