The General Auto Insurance: User Reviews and Quotes (2025)
The General has expensive premiums, limited coverage options, and fewer discounts. But it has largely positive customer reviews.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
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Table of contents
The General is a Nashville-based insurance company founded under a different name in 1963.[1] The company now specializes in insuring high-risk drivers who have problems finding affordable coverage due to their poor credit history, bad driving record, or past insurance lapses.
While The General can be a great option for high-risk drivers, people with a clean driving record and a lower risk profile may find that the company has very expensive premiums. You should always compare quotes from multiple insurers before purchasing a new car insurance policy.
Here’s what you need to know about coverage options from The General.
Quick Facts
The General has an impressive star rating on Trustpilot of 4.7 out of 5, based on more than 90,000 customer reviews.
You can purchase The General car insurance in 46 states and Washington, D.C.
The General earned an A (Excellent) financial strength rating from AM Best.
How The General compares to other insurance companies
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $180/mo |
3.4
A solid optionBased on 1,021 verified guest reviews and ratings
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (500)
Judy Lynn
Verified Purchase
My Insurance with The General
Reviewed in Ohio on December 2025
It's been great! I got my insurance lowered from $230 to $100 a month by switching to The General.
Rayetta
Verified Review
Unhappy Customer
Reviewed in Texas on November 2025
I'm still shopping. I just can't see paying that amount for liability. Sure, I've had a few tickets, but they don't have accident forgiveness.
Maria
Verified Review
Too Expensive
Reviewed in Texas on November 2025
Our experience has been somewhat okay. However, it is very expensive. If I had the time, I'd look for something else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
The General specializes in auto insurance for high-risk drivers. The insurer also sells homeowners, renters, life, pet, and other types of insurance. Available discounts include bundling, good student, multiple drivers, and more. The General has an A+ rating from the Better Business Bureau and three times the expected number of complaints in the National Association of Insurance Commissioners Complaint Index. PGC Holdings, an affiliate of American Family Insurance, owns The General. American Family has an A rating from AM Best, indicating it’s financially stable.
Pros
Competitively priced options for high-risk drivers or those with violations
SR-22 filing available in most states
Excellent 4.7/5 Trustpilot score from 100,000+ reviews
Cons
Not available in all states
Mixed reviews for customer service
Non-high-risk drivers will likely find a better rate elsewhere
The General vs GEICO, Allstate, and Progressive
|  |  |  |
|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $107/mo* |
Overall rating 3.4 | Overall rating 3.3 | Overall rating 4.0 | Overall rating 3.9 |
Value for money 3.2/5 | Value for money 3.2/5 | Value for money 3.8/5 | Value for money 3.5/5 |
Customer service 3.2/5 | Customer service 3.4/5 | Customer service 4.0/5 | Customer service 3.8/5 |
Claims handling 3.3/5 | Claims handling 3.4/5 | Claims handling 4.1/5 | Claims handling 3.8/5 |
Special highlight High-risk driversAI-generated from 500 user reviews | Special highlight Competitive ratesAI-generated from 7488 user reviews | Special highlight Teen driversAI-generated from 6880 user reviews | Special highlight Accident forgivenessAI-generated from 3935 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Our editorial team spent 350 hours developing the IQ (Insurify Quality) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
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How The General rates compare to competitors
Average rates from The General are much higher than the national average and premiums from many top insurers. But the company has similar rates to competitors also selling insurance to high-risk drivers.
Compare average full-coverage quotes from The General and a few of its competitors below.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of The General auto insurance
Your driving record and age affect your car insurance premiums.[2]
People with a clean driving record earn the cheapest rates, and drivers with one or more past speeding tickets, car accidents, or DUIs pay higher premiums on average. Based on driver age, teen drivers pay the highest premiums due to a lack of driving experience and a higher likelihood of accidents. Rates tend to decrease with age, but senior drivers 70 and older may face slight upticks in cost.
Below, you can compare average liability insurance quotes by driver type from The General to the national averages.
Driver Type  | The General Average Monthly Quote | National Average |
|---|---|---|
| Drivers with a clean record | $94 | $100 |
| Drivers with a speeding ticket | $131 | $127 |
| Drivers with an at-fault car accident | $133 | $133 |
| Drivers with a DUI | $138 | $147 |
| Teen drivers | $156 | $193 |
| Senior drivers | $75 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The General car insurance cost by state
Car insurance rates and minimum coverage requirements vary by state. Some location-specific factors that can affect insurance premiums include the state’s percentage of uninsured drivers, weather risks, and vehicle theft rates.
The General has more expensive average premiums than many insurers operating in the same states. But the company specializes in coverage for high-risk drivers, so it makes sense that its average premiums exceed the state averages.
See how average monthly liability insurance costs from The General compare to state averages below.
State | The General Average Monthly Quote | State Average |
|---|---|---|
| Arizona | $103 | $93 |
| Arkansas | $110 | $82 |
| Colorado | $80 | $93 |
| Florida | $184 | $155 |
| Georgia | $209 | $159 |
| Idaho | $88 | $62 |
| Illinois | $82 | $80 |
| Indiana | $76 | $67 |
| Iowa | $68 | $53 |
| Kansas | $89 | $76 |
| Kentucky | $169 | $115 |
| Louisiana | $149 | $104 |
| Maine | $96 | $81 |
| Minnesota | $117 | $90 |
| Mississippi | $143 | $66 |
| Missouri | $121 | $90 |
| Nebraska | $83 | $70 |
| New Mexico | $59 | $68 |
| Ohio | $61 | $69 |
| Oklahoma | $78 | $83 |
| Oregon | $108 | $90 |
| Pennsylvania | $77 | $91 |
| South Carolina | $188 | $162 |
| Tennessee | $74 | $66 |
| Texas | $122 | $120 |
| Virginia | $164 | $110 |
| Washington | $94 | $93 |
| Wisconsin | $76 | $59 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The General car insurance discounts
The General offers several car insurance discounts that can help you save money on your auto insurance. But it offers fewer discounts than many of its competitors, which you should keep in mind when comparing The General to other insurers.
Here are the discounts that The General advertises on its website, though availability may vary by state.
Discount | How to Qualify |
|---|---|
| Multi-vehicle | Insure two or more vehicles with The General |
| Safety features | Drive a vehicle with certain safety features |
| Recent auto insurance | Have proof of auto insurance in the last five years |
| Good student | Maintain a B average (3.0 GPA) or better |
| Defensive driver | Complete a defensive driver course |
How customers feel about The General
The General has positive customer reviews overall on online rating websites. The company has an average rating of 3.78 out of 5 stars on the Better Business Bureau (BBB) website and a 4.7-star rating on Trustpilot, based on more than 90,000 reviews.
The General also has a solid financial strength rating from AM Best, which indicates the company can meet policyholder obligations and pay car insurance claims.
But The General has many more complaints than expected for its size, according to the National Association of Insurance Commissioners (NAIC) Complaint Index.
The General customer reviews
Reviews of The General insurance from customers are generally positive. Many of the reviews mention good customer service, cheap premiums, and an excellent user experience for its online quote generator.
Here are some examples of recent customer reviews from verified users.
Judy Lynn
Verified Purchase
My Insurance with The General
Reviewed in Ohio on December 2025
It's been great! I got my insurance lowered from $230 to $100 a month by switching to The General.
Rayetta
Verified Review
Unhappy Customer
Reviewed in Texas on November 2025
I'm still shopping. I just can't see paying that amount for liability. Sure, I've had a few tickets, but they don't have accident forgiveness.
Maria
Verified Review
Too Expensive
Reviewed in Texas on November 2025
Our experience has been somewhat okay. However, it is very expensive. If I had the time, I'd look for something else.
Britney
Verified Review
Poor Experience
Reviewed in Missouri on November 2025
I wouldn’t recommend. The rate is too high. Customer service has been poor since my accident a week ago. I have barely heard anything back, and my questions haven't been answered.
…
The General ratings
The General has a high financial strength rating with AM Best, but it receives a high number of customer complaints with the NAIC in relation to its size. Below, you can learn more about The General’s third-party ratings.
Rating | Score | What This Means |
|---|---|---|
| AM Best | A | Excellent ability to pay claims and meet financial obligations |
| NAIC Complaint Index | 3.14 | Receives more complaints than expected for its size |
The General car insurance coverage options
The General offers several types of auto insurance. You can purchase liability insurance that meets your state’s minimum coverage requirements or purchase a full-coverage policy that includes collision and comprehensive insurance.
The General offers fewer coverage options than its competitors. Here are a few of the add-ons available:[3]
Collision coverage
If you have a car accident or collide with another object, collision insurance can cover your damages to your car.
Comprehensive coverage
Comprehensive insurance can pay to repair or replace your vehicle after damage from non-collision incidents, like severe weather, theft, and vandalism.
Gap insurance
If you total your leased or financed car, gap insurance will pay the difference between the car’s actual cash value and the amount you still owe the lender.
SR-22 insurance
If you need to file an SR-22 form to reinstate your driver’s license, The General can file it on your behalf.
Roadside assistance
The General offers roadside assistance through Nation Safe Drivers (NSD). It covers services like towing, tire services, battery services, jump-starting, and rental car reimbursement.
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Other options for The General customers
The General offers a good selection of insurance products, which makes bundling a great option. The company sells some insurance policies through partner companies.
In addition to auto insurance, The General sells the following types of coverage:
Homeowners insurance: Home insurance covers the physical structure of your home and your personal belongings. It also covers third-party liability claims, guest medical expenses, and loss of use.
Life insurance: Life insurance provides financial support for your loved ones if you pass away. Some life insurance policies also include a cash value or investment component.
Boat insurance: The General sells boat insurance through Progressive. It covers third-party property damage, theft, and accidents involving boats and other personal watercraft.
Motorcycle insurance: Motorcycle insurance provides similar coverage to personal car insurance, like collision coverage, uninsured motorist coverage, and liability coverage, but it’s specifically for motorcycles.
The General Insurance FAQs
If you’re thinking about purchasing car insurance from The General, the following information can help you decide if it’s a good option for your coverage needs.
Is The General legitimate?
Yes. The General is a legitimate car insurance company. It’s a subsidiary of PGC Holdings Corp., which is an affiliate of American Family Insurance. The General hasn’t had fraudulent business practices, and its customer reviews are mostly positive.
What is the average cost of The General car insurance?
The average cost of car insurance from The General is $180 per month for full-coverage insurance and $94 for minimum-coverage insurance.
Why is The General so cheap?
Compared to many other car insurance companies, The General doesn’t have cheap rates. But The General specializes in insuring high-risk drivers, who typically pay higher rates than low-risk drivers. The General might have competitive rates or even cheaper rates than other insurers for drivers who need non-standard auto insurance.
Is The General good at paying claims?
Yes. The General is good at paying claims. The General has an AM Best financial strength rating of A (Excellent), which means it has an excellent ability to meet its financial obligations and settle auto insurance claim payments.
How do you cancel an insurance policy from The General?
To cancel a high-risk car insurance policy with The General, call customer service at 1 (844) 328-0306. In some states, you may have to pay a penalty fee equal to 10% of the unused premiums if you request to cancel before the policy period is over.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- The General. "About The General Company History."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- The General. "What Is Car Insurance?."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.