Perhaps best known for comical commercials with its quirky mascot and beloved basketball star Shaquille O’Neal, The General has earned itself a reputation for insuring high-risk drivers who have been denied insurance by other companies.

Best For…

  • High-risk drivers with accidents on their record
  • Those in need of SR-22 forms
  • People looking to pay a low downpayment
  • Drivers looking for an easy-to-use insurance app

Not the Best For…

  • Those with a clean driving record
  • People looking for excellent customer service

The General: Riskier drivers can save

The General prides itself on looking out for high-risk drivers and not punishing them for their past mistakes — but is it the right choice for you?

The General definitely has its merits. It offers good deals to drivers who otherwise might struggle to find insurance, has an easy-to-navigate app, provides prospective policyholders proof of insurance within minutes, and can file an SR-22 within a day. However, you might not have the best customer service experience, and the website interface is a little outdated.

The General Car Insurance Ratings

The following J.D. Power and A.M. Best ratings apply to American Family Insurance, which wholly owns The General auto insurance.

U.S. Auto Insurance Shopping Study (2018)

OptionsResults
Overall SatisfactionBetter than most
PricingBetter than most
Local AgentBetter than most
Policy OfferingsBetter than most

U.S. Auto Insurance Claims Satisfaction Study (2018)

OptionsResults
Estimation ProcessAbout average
Repair ProcessAbout average
Claim ServicingAbout average
SettlementAbout average
Rental ExperienceAbout average
Overall SatisfactionAbout average
First Notice of Loss (FNOL)About average

J.D. Power Ratings by Region (out of 1,000)

RegionRatingsState Average
Southwest819About average
North Central820About average
Central823About average
Northwest826Better than most

Financial Ratings

Company NameRatings
A.M. BestA+
Standard & Poor'sA+
FitchA+
Moody'sAa3

The General Car Insurance Quotes and Discounts

Shopping for insurance can seem like a daunting task. The jargon doesn’t exactly roll off the tip of your tongue, and you never really know what kind of coverage you need till it’s too late. That’s why you should get a head start on finding the right auto insurance policy for you…and compare quotes while you’re at it! You never know, some insurance providers may offer more discounts than others.

The whole process is a lot easier if you use a quote comparison website like Insurify, which factors in any discounts you may be eligible for, and lets you compare up to 20 insurance quotes at a time!

Auto Insurance Quotes Comparison: The General vs. Competitors

Insurify’s data team compared The General’s car insurance quotes to those of its competitors. Listed below are the quotes for a 42-year-old female driver in San Antonio, Texas, who drives a 2005 Honda Civic.

These are her rates with a clean driving record:

CompanyQuote
The General$146/mo
Bristol West$68/mo
Progressive$71/mo
Mercury$76/mo
GEICO$81/mo

These would be her rates if she were in an at-fault accident where she hit another car:

CompanyQuote
The General$196/mo
Bristol West$90/mo
Progressive$107/mo
Mercury$128/mo
GEICO$154/mo

These would be her rates if she were caught drunk driving:

CompanyQuote
The General$182/mo
Bristol West$74/mo
Progressive$93/mo
Mercury$102/mo
GEICO$132/mo

And these would be her rates if she got a speeding ticket for going 75 mph in a 50 mph limit zone:

CompanyQuote
The General$170/mo
Bristol West$67/mo
Progressive$89/mo
Mercury$99/mo
GEICO$100/mo

Drivers Can SAVE with these discounts from The General

The General offers a host of discounts, deals, and offers to policyholders. You can verify if you are eligible for these discounts by contacting The General at 1 (866) 519-7422.

Defensive DriverUp to 10%
Good Student DiscountVaries
Driver Training DiscountVaries
Military DiscountVaries
Transfer DiscountVaries
Motor Club DiscountVaries
Paid-in-Full DiscountVaries
No-Lapse-in-Coverage DiscountVaries
Starting-Your-Auto-Quote-Online DiscountVaries
Passive Restraint DiscountVaries
Good Credit DiscountVaries
Electronic Stability ControlVaries
Anti-Theft Device DiscountVaries
Anti-Lock Brake DiscountVaries
Prior-Carrier DiscountVaries
Current Insurance DiscountVaries
Home Owner DiscountVaries
Multiple Vehicle DiscountVaries
Good Driver DiscountVaries
Preferred Payment DiscountVaries

States where The General Offers Car Insurance

The General offers auto insurance in all states except Hawaii, Massachusetts, Michigan, and New Jersey.

Click below on your state to find out how you can find the cheapest car insurance in your area:

The General Auto Insurance Coverages

The General offers reasonable rates for drivers considered too high-risk to insure by other companies. The General is a good choice if you have driving tickets, violations, accidents, or DUIs on your record. It offers the following coverage options:

Liability Insurance

The General provides customers property damage and bodily injury liability, which is mandatory in most states. This would cover you if you’re at fault in a car accident and need to pay for medical bills and property damage sustained by the other driver.

Comprehensive Insurance 

The General offers optional comprehensive insurance. This covers damages to your vehicle caused by Acts of God, such as hail, theft, vandalism, etc. If your car is totaled, The General will reimburse you for the actual cash value of your vehicle, minus the deductible. However, The General requires you to also purchase collision coverage in tandem with comprehensive coverage except in California.

Collision Insurance

The General offers optional collision coverage if your vehicle is damaged after contact with another vehicle or object. Again, if you purchase collision coverage, you must also purchase comprehensive coverage, unless you’re in California.

Personal Injury Protection

The General offers Personal Injury Protection (PIP), which covers medical payments if you or your passengers suffer injuries in an accident, any income you lost because of an accident, childcare expenses, or even funeral expenses if an accident turns fatal.

Uninsured Motorist Coverage 

If you get into an accident where the at-fault driver doesn’t have adequate insurance to pay for property damage and bodily injury, you may have to pay out-of-pocket for your hospital and mechanic bills. However, if you purchase uninsured motorist coverage from The General, it will cover the property damage and bodily injury costs of such an accident.

Other Special Auto Coverages Offered by The General

SR-22

Your state will probably require your insurance company to file an SR-22 if you were caught driving without a license or had a DUI. SR-22 counts as “proof of insurance” required by your state before it allows you back on the road. While some insurance companies are hesitant to file this on behalf of drivers, The General will file an SR-22 on your behalf in most states.

Roadside Assistance

The General offers an optional roadside assistance plan, administered by Nation Safe Driver (NSD). If you opt for this, The General provides you with 24-hour roadside assistance if you’re stranded on the road because your car battery died, you’ve run out of fuel, you lost the keys to your car, or you need your vehicle towed to another place. Towing and labor coverage is a separate coverage you must purchase unless you plan to pay out-of-pocket.

Rental Car Coverage 

The General offers optional rental car coverage if your vehicle has collision or comprehensive coverage. If your car is in the repair shop and you need to rent a replacement, The General only offers to reimburse you if the damages to your original vehicle are covered under comprehensive or collision insurance. The coverage limit in your quote refers to the maximum amount The General will pay per day, up to a certain number of days, for you to rent a car.

Custom Equipment Coverage

If you’ve spent a lot of time adding accessories and enhancements that change the appearance or performance of your vehicle, you’re in luck! The General’s custom equipment coverage will cover damage to those parts. This applies specifically to car parts that weren’t installed by the original car manufacturer.

Other Insurance Products Offered by The General

The General focuses almost exclusively on providing auto insurance coverage to its customers. It does, however, offer term life insurance, underwritten by American Family Insurance. Term life insurance covers you for a pre-determined period. If you died within that period, The General would pay a death benefit to your family members to help pay for things like tuition and mortgage payments.

The General also has options for motorcycle, home, renters, health, and pet insurance on its website. However, these are mostly ads that redirect you to other insurance companies that offer these products.

How can I buy auto insurance from The General?

The General prides itself on a speedy online buying experience that allows users to have proof of insurance within minutes. You can go to their website and fill in your relevant personal information, make a downpayment, and buy the policy within minutes. Alternatively, you can call 1 (877) 568-6548 for a free quote.

However, you should probably compare The General’s insurance quote with other companies before finalizing your payment. You can do this by putting in your information on Insurify‘s website instead, and compare The General with up to 20 different insurance company quotes.

How can I pay for my car insurance policy from The General?

You can pay The General for your auto insurance policy over the phone and through an agent. You can also use The General’s app, which includes multiple, split, and scheduled payments and sends out alerts to remind policyholders when to pay their bills.

The General offers both monthly payments as well as lump-sum payments. The General accepts credit cards, debit cards, and e-checks in most states. The newest version of their app even allows users to pay in cash.

How often will The General increase my premiums?

If you get into an accident… 

The General is more willing than other companies to insure high-risk drivers with spotty driving records. But if you get into an accident, your premium will probably still increase even if you weren’t at fault.

If you file a claim…

Claims will also increase your premium with The General, even for accidents where you weren’t at fault. But don’t be discouraged: if you were in a bad accident and have thousands of dollars of damage and medical bills, you should definitely file a claim. That’s what you have car insurance for! However, if the damage is lower than your deductible, you might not want to risk a higher premium for a claim you could have paid out-of-pocket.

How does The General’s claims process work?

If you’ve gotten in an accident, you can file a claim with The General by phone or through their mobile app. If you choose to file your claim by phone, you can call their offices at 1 (800) 280-1466 and select option #3. The General’s representatives are available 24 hours a day, seven days a week.

How can I cancel my car insurance policy with The General?

If you want to cancel your auto insurance policy with The General, you can call your local agent, who will likely ask you to put in your request in writing. You will need to put in your name, address, phone number, date of birth, social security number, license number, policy number, the date you want your policy to end, and finally, your signature. You will need to send the letter to their headquarters address at:

2636 Elm Hill Pike, Suite 100
Nashville, Tennessee 37214

You should make sure your cancellation date is at least 2-3 weeks after you send the letter, so there’s some buffer time in case there’s a delay in the mail.

Canceling your policy with The General could lead to a cancelation fee of up to 10 percent of your remaining premium. If you paid in full, The General would refund your remaining policy except for the fee. You should consider canceling your policy at the end of your term to avoid this.

If The General filed for an SR-22 on your behalf and you cancel your policy, it will have to notify the state. Make sure you have another insurance policy lined up, so there is no lapse in your insurance coverage. You can use Insurify to find and compare free insurance quotes!

Insurance Companies Similar to The General

Non-standard insurance companies can sometimes be hard to find, but The General isn’t the only one. Sometimes you can get similar, competing quotes from smaller companies like Dairyland and Plymouth Rock. Larger companies, like GEICO, may even offer insurance to high-risk drivers and place them with smaller subsidiaries like GEICO Casualty Co.

According to Insurify’s internal database of over 1.6 million car insurance applications and our analysis of external sources, drivers who now hold The General’s auto insurance often switched from the following companies:

  1. Progressive
  2. GEICO
  3. State Farm
  4. Allstate
  5. Esurance

We also found that people who previously held The General’s auto insurance often switched to the following companies:

  1. Gainsco
  2. Dairyland
  3. Progressive
  4. Bristol West
  5. Mercury

You shouldn’t just rely on one company for an auto policy quote. Instead, you should always compare quotes between insurance providers — you never know which one will provide you with the cheapest quote for the best deal! This might sound like a difficult task, but it’s much easier with Insurify, which lets you compare up to 20 insurance providers at a time.

The General Car Insurance Customer Satisfaction and Policyholder Reviews

Some of The General’s policyholders are loyal customers who are grateful they were able to find a good deal on car insurance. Others take issue with The General’s supposed lack of quality customer service.

Reviews on Trustpilot cautioned others that The General initially shows cheaper quotes only to raise them when they sign up for a policy, while reviews on the Apple app store mentioned the longer they stayed with The General, the higher their rates increased. Some mentioned how they were less than impressed by The General’s customer service:

But others said The General came through in a clutch and provided them cheap insurance when other companies weren’t willing to insure them.

The General Mobile App Review

The General’s app allows policyholders to access their insurance ID, manage their policy, make payments, and file claims. Their website also has online forms through which you can email them, and a live chat function if you’d prefer to talk to someone online.

App storeRatings (Out of 5)User reviews
Mobile App (iOS) 4.726,639
Mobile App (Android) 4.77,931

The General’s app had stellar reviews on the Apple and Google app stores. Many users appreciated the user interface of the app that makes it easy for users to make payments and file claims, and have immediate access to their insurance ID.

Specifically, many reviewers liked that they could pay and file claims through the app rather than get on the phone to talk to someone. The app gives users the option to speak to a representative as well. The only issues reviewers mentioned were to do with logging in successfully and making sure their payments were going through.

You can find quick quotes from The General without giving them too much personal information, which is a big draw for some. However, these quotes may not be accurate. You should shop around on insurance comparison websites like Insurify to make sure you’re getting the best deal available!

Frequently Asked Questions: The General Car Insurance

Does The General have good insurance?

The General is a good option for insurance if you're a high-risk driver, under 25, over 70, or need an SR-22. But you might find cheaper quotes if you have a good or relatively decent driving record.

Does The General have the cheapest insurance?

This depends on the type of policy you purchase. It's important to remember that if you set high deductibles, you get lower premiums and vice versa. But it's always good to use quote comparison websites like Insurify to make sure you're getting the best policy for the best price.

Where can I find the cheapest insurance?

No one insurance company is guaranteed to produce the best quote for your driver profile. But you can always shop around for insurance and use Insurify to have a look at all the cheapest car insurance quotes and discounts for which you may be eligible.

How do you know if The General is the cheapest car insurance in your area?

If you’re a high-risk driver having trouble finding good insurance deals and want more options, you should give Insurify a try.

Insurify allows you to customize your auto insurance policy and compare up to 20 quotes at a time!

The General Auto Insurance Overview

The General Automobile Insurance Services, as it is now known, first started under the name Permanent General Agency in 1963. The General sold insurance products through various companies in the United States for 50 years before becoming a subsidiary of the Permanent General Assurance Corporation.

Headquartered in Nashville, Tennessee, The General, along with all other PGAC subsidiaries, was acquired by American Family Insurance in 2012.

The General is most known for high-risk insurance. Also known as non-standard insurance, high-risk insurance isn’t just reserved for drivers with a less-than-stellar record. Adults over the age of 70 and drivers under the age of 20 are also categorized as “high-risk” by other auto insurance companies. The General, however, believes drivers shouldn’t be penalized for their age and offers cheap insurance rates for high-risk drivers. (In fact, Shaq first became a customer of The General as a young basketball player at Louisiana State University.)

Over the years, The General has earned its reputation as one of America’s best non-standard auto insurance companies, allowing high-risk drivers to obtain automobile insurance at reasonable prices.

The General Contact Information

Customer service phone number1 (877) 417-0199
Available Monday-Thursday 7 a.m. to 9 p.m. (CT) and Saturdays 8 a.m. and 4 p.m. (CT)
Claims service phone number1 (800) 280-1466
select option #3
Customer service email Online form
Headquarters address2636 Elm Hill Pike, Suite 100
Nashville, Tennessee 37214
Websitethegeneral.com
Mailing address2636 Elm Hill Pike, Suite 100

Nashville, Tennessee 37214

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Tanveen Vohra is currently a content writer for Insurify. Tanveen has a background in college media, having produced videos, news articles, and feature pieces for various student magazines and newspapers at SUNY Buffalo. She recently moved to the Boston area, and now works full-time for Insurify, helping produce blog content. In her spare time she frequents climbing gyms and explores film photography.