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The General Car Insurance review 2022

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woman driving a car with dog in the backyseat
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Headquartered in Nashville, Tennessee, The General Automobile Insurance Services, Inc. – The General for short – is a subsidiary of PGC Holdings Corporation, which is an affiliate of American Family Insurance. Although PGC was founded in 1963 and has offered auto insurance for over 50 years, it did not actually start offering insurance through The General until April 1997.

The General may be best for drivers in the high-risk category. That includes drivers with a history of accidents, a gap in recent insurance coverage, a poor credit score, teen drivers and senior drivers. Auto insurance from The General is much cheaper than its competitors, so high-risk drivers may have an option to get affordable insurance despite their circumstances. Even if you are not considered a high-risk driver, you may be able to save time and money by bundling affordable auto coverage with life or recreational-vehicle insurance. Take a closer look at what The General has to offer.

The General car insurance | Bankrate Score 4.0

The General Insurance Company received a 4.0 Bankrate Score. Though it scored highly for financial strength, online and mobile features, customer satisfaction, coverages and discounts, it fell short on J.D. Power listings and NAIC index.

The General may be a good fit for high-risk drivers seeking affordable rates for auto insurance coverage. It will provide SR-22 insurance in states where it is licensed. Even if a driver is not considered high-risk, The General may still offer cheap rates, especially when bundling policies and stacking eligible discounts.

This insurer offers the common car insurance coverage types available, such as liability, comprehensive, collision, medical payments and underinsured motorist coverages. The General also offers roadside assistance through Nation Safe Drivers in select states.

Drivers can purchase The General auto insurance in all states except:

  • Alaska
  • Hawaii
  • Maryland
  • Michigan
  • New Jersey
  • Rhode Island
  • Washington, D.C.

Since The General caters to high-risk drivers, rates can be higher than average. In response, The General offers low monthly premium payments so drivers can afford to keep coverage in force.

Discounts

  • Paid in full: Make one payment for your annual or semi-annual bill.
  • Double deductible: You can get a discount on your premiums, but your deductible requirement will be double the price in the first 45 days of coverage with The General Insurance Company.
  • Good student discount: High school or college students could save on coverage if they have good grades.
  • Driver training discount: Take additional drivers ed classes for a discount.
  • Transfer discount: Switch to The General from another carrier and you could earn a discount on your car insurance.
  • Military discount (only in Louisiana): Louisiana-based military personnel qualify for cheaper rates.
  • Continuous coverage: If your car insurance did not lapse, you could receive a discount on the cost of your coverage.
  • Motor club members may qualify for a discount.
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The General ratings, reviews, customer satisfaction and complaints

The General insurance reviews and ratings are generally positive. The insurance company has a A financial stability rating, which is defined as being excellent in its historical ability to meet insurance obligations.

The General is not listed in the 2021 J.D. Power U.S. Auto Claims Satisfaction Study, which ranks overall customer satisfaction among auto insurers. However, this is not uncommon for smaller auto insurers, so does not necessarily reflect poorly on companies with a small customer base like The General.

The National Association of Insurance Commissioners (NAIC) database reports that The General’s customer complaints are higher at 5.38 compared to the baseline of 1.0. This rating shows that The General receives more than five times the complaints of similar-sized insurance companies.

The General’s mobile app provides the ability to get quick quotes, file claims and track progress, get support, pay for insurance and receive digital ID cards. The app has 4.7 out of 5 stars in both the App Store and Google Play store.

Top reasons to consider The General

The General may be one of the few insurance companies currently providing cheap car insurance to high-risk drivers. High-risk drivers include those under the age of 20 or over the age of 70. They may also be defined as having a suspended or revoked license that requires an SR-22 in order to be reinstated. An SR-22 is a form from your insurance company that indicates you have the required amount of liability coverage required by your state.

The General offers many benefits such as affordable coverage for all types of drivers, but if you have a good driving history, you may find a wider range of car insurance elsewhere. Although The General’s insurance is cheaper on average and provides options for high-risk drivers, it lacks options such as replacement cost, rideshare or alternative fuel vehicle coverage.

Additional policies offered by The General

The General is a full-service insurance agency. It offers prospective customers a list of coverages that go beyond the expected vehicle, renters and homeowners insurance. Other coverages include:

  • Motorcycle
  • Phone
  • Boat
  • RV/travel trailer/motorhome
  • Health insurance
  • Life insurance
  • Pet insurance
  • Commercial insurance

There is also The General Labs, which tests out new insurance products and services and relies on customer feedback to improve its offerings. Besides insurance products such as car, mobile phone and vehicle warranty, you can access personal financial and business services designed to save you money.

Frequently asked questions

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor