The General insurance review 2025

The General car insurance cost

Based on data provided by Quadrant Information Services, the average full coverage car insurance premium from The General is $2,538 per year. The average premium for a policy with minimum coverage is $1,297 per year. Compared to the U.S. national average, which is $2,685 per year, The General’s average full coverage rate is 5 percent less, but its minimum coverage rate is 62 percent more than the national minimum average of $800 per year.

How much is The General car insurance?

Car insurance costs vary from person to person based on individual rating factors, including your driving record. Insurance companies typically charge higher premiums for drivers with speeding ticket convictions and at-fault accidents on their record. Note that while not all carriers will underwrite policies for drivers with a DUI, The General specializes in coverage for high-risk drivers. It offers coverage for drivers with DUIs, suspended licenses and those that need an SR-22 filing, as long as they meet the company's other underwriting criteria. Contact a local agent for an insurance quote to verify that your driving record qualifies for a policy.

The General car insurance quotes by age

In most states, another factor impacting your car insurance rate in most states is age. Young and newly licensed drivers typically pay higher rates because they have less experience and pose a higher insurance risk. In the table below, you can see the average cost of car insurance for a teen on their parents' policy, as well as average rates by age for drivers with their own policy.

Compare The General car insurance rates

Premiums vary between car insurance companies based on several factors, such as the type of coverage a company offers, state guidelines and available discounts. As a nonstandard insurer specializing in high-risk driving profiles, The General insurance may not be as competitive as other companies catering to the standard market.

The General customer satisfaction

When comparing insurance companies, looking at third-party ratings may help you learn more about a carrier's customer service, claims satisfaction and financial strength. Some of the most notable organizations that issue third-party ratings include AM Best for financial strength and J.D. Power for customer, claims and digital tools satisfaction. Due in part to The General’s small customer base, it does not receive as many ratings as some larger insurance companies with more significant market share.

The General auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) tracks complaints against insurance companies and assigns each carrier complaint indexes by product type based on its size. The baseline for these indexes is 1.0. Companies that index higher than 1.0 receive more complaints than expected for their size, while companies with an index under 1.0 have fewer complaints than expected.

The General auto complaints

The General car insurance discounts

The General offers a handful of discounts that may help you save money on car insurance. Here are some of the discounts available, keeping in mind that some discounts are not offered in all states.

• Defensive driving course discount: In eligible states, drivers may earn a discount for completing an approved defensive driving course.
• Good student discount: The General may extend a discount to students who maintain a high GPA.
• Multi-car discount: If you insure more than one vehicle on a policy with The General, you might earn a discount.
• Homeowners discount: If you own your home, you may earn a discount on your insurance policy.
• Pay in full discount: Customers who pay their bill quarterly or in a lump sum (depending on the state) may earn a discount.
• Vehicle safety features discount: If your vehicle has factory-installed passive restraint systems like automatic seatbelts and airbags, you may qualify for a discount.
• Safe driver discount: Maintaining a clean driving record for three to five years could make you eligible for a discount.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.