The General Auto Insurance Review for 2022

The General offers high-risk insurance, with the average driver paying $183 per month for minimum insurance and $259 for full coverage.

UPDATED: Dec 4, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Dec 4, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 4, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 4, 2022Fact Checked
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The General

Average annual rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

High

Pros

  • Offers SR-22 coverage
  • Sells insurance to high-risk drivers, even when other companies won’t
  • Easy to file claims and get car insurance quotes online

Cons

  • Higher rates than the national average
  • Not sold in every state
  • Low customer service satisfaction ratings

The Bottom Line

The General insurance quotes are a solid choice for people who need high-risk car insurance, but drivers with a clean record should look elsewhere. With high rates, unsatisfying customer service, and limited coverage options, The General should be a last resort.

The General isn’t your only option if you need high-risk car insurance. Compare quotes with as many companies as possible to find a policy with the lowest rates.

When you’re a high-risk driver, finding affordable insurance can be challenging. Depending on the charges in your driving record, standard insurance companies might refuse to cover you.

The General could meet your needs if you’ve been denied insurance elsewhere due to being a high-risk driver. The General sells policies to meet your basic needs, including your state’s minimum insurance requirements and full coverage. It also offers a few add-on options to increase your policy’s value.

Despite being a good option for high-risk drivers, The General isn’t right for every driver. Read on to learn more about what The General offers and if it’s the right company for you. Then, compare rates with other companies to find the most affordable policy.

Is The General Auto Insurance a Good Choice?

The General is a good car insurance company offering reputable coverage you can trust to protect your car. Although it’s a good company, auto insurance from The General isn’t the best choice for everyone.

The General is ideal for high-risk drivers with a DUI charge or low credit score. However, you’ll most likely find more affordable rates with a standard company if you have a clean driving record.

What sets The General apart from other insurance companies is its willingness to work with and provide affordable quotes to high-risk drivers. However, it lags behind standard insurance companies in many ways. For example, The General only sells car insurance — drivers don’t have the opportunity to bundle policies.

As for The General’s financial strength, A.M. Best gives the company an excellent score of A. So, The General is financially stable and can pay any claims you need to make in the future.

The General gives you several ways to manage your account and file claims, including a mobile app and website. Unfortunately, the General’s website isn’t the easiest to navigate, and it’s hard to find policy information. You can also call the customer service phone number to speak with a representative.

Does The General have good customer service?

While car insurance from The General is reliable, the company doesn’t have a good reputation for customer service.

A quick way to see how a company performs in customer service is to look at ratings from the National Association of Insurance Commissioners (NAIC). The NAIC rates companies based on how many complaints they get compared to their size. 1.0 is the national average — anything lower means a company gets fewer complaints.

The NAIC gives The General a 3.28, meaning it gets more than triple the complaints that similar companies get. However, The General has improved — it had a 5.63 in 2020.

Another good place to look is the Better Business Bureau (BBB). The BBB rates companies on their ability to resolve customer complaints. The General currently has an A+, but customers have left hundreds of complaints on the BBB website.

When you shop with The General, you’re not there for its customer service. Many The General insurance reviews say representatives are unknowledgeable, unhelpful, or rude. One of the most recurring complaints is that representatives are hard to get a hold of and don’t return calls.

The General Auto Insurance Rates

As a high-risk insurance company, The General’s car insurance quotes are higher than standard companies. The General charges higher rates for insurance because a significant portion of its customer base needs high-risk car insurance.

To get an idea of how much you might pay for insurance with The General, check the minimum coverage rates in this table.

Monthly Minimum Full Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum Coverage Rates
Allstate$87
American Family$66
Farmers$76
GEICO$50
Liberty Mutual$90
Nationwide$61
Progressive$69
State Farm$40
Travelers$53
Average$69

For full coverage rates, we’ve put together the chart below to compare the top insurance companies.

Monthly Minimum Full Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
Allstate$160
American Family$116
Farmers$138
GEICO$80
Liberty Mutual$173
Nationwide$115
Progressive$105
State Farm$86
Travelers$99
Average$119
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The General customers typically pay much more for car insurance. However, the high rates might be worth it if The General is one of your only options for car insurance.

The General Insurance Rates by Location

Due to differences in state laws, your location plays a vital role in how much you pay for car insurance. Location largely determines your rates, whether you need high-risk insurance or a standard policy.

Aside from state laws, your location also affects your rates due to overall traffic density, vehicle crime rates, extreme weather risks, and claims filed.

The General sells insurance in all 47 states and can help drivers in the other three states find affordable coverage with a partner company. Check below to see how much the average driver in your state pays for insurance from The General.

Average Annual Full Coverage Auto Insurance Rates by State
StateAllstateFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersAverage
AK$1,667 $1,195 $807$1,223
AL$1,332 $1,644 $1,099 $1,999 $1,189 $1,388 $1,337 $972$1,370
AR$2,007 $1,120 $1,227 $1,581 $1,620 $989$1,367 $1,416
AZ$2,226 $1,664 $808$1,436 $1,039 $999$1,292 $1,352
CA$1,996 $1,553 $1,774
CO$2,054 $2,010 $1,161 $1,133 $1,324 $1,490 $1,168 $1,475
CT$2,421 $768$2,486 $1,382 $1,641 $1,126 $1,030 $1,550
DC$2,976 $855$2,126 $1,420 $1,371 $1,750
DE$2,555 $1,243 $6,117 $1,777 $1,115 $1,431 $1,019 $2,180
FL$2,263 $1,103 $1,995 $1,272 $1,889 $1,223 $1,624
GA$2,035 $754$3,259 $1,878 $1,417 $1,324 $1,778
HI$1,113
IA$1,008 $1,006 $1,432 $900$930$804$1,143 $1,049
ID$1,587 $1,139 $708$975$1,018 $653$707$992
IL$2,172 $587$935$1,146 $1,103 $796$1,077 $1,153
IN$1,729 $977$785$2,269 $1,198 $849$872$856$1,207
KS$1,973 $1,781 $923$2,148 $1,141 $1,575 $1,003 $1,071 $1,447
KY$988$2,080 $2,277 $1,377 $1,212 $1,725 $1,610
LA$2,547 $1,739 $1,990 $1,537 $1,953
MA$1,342
MD$2,481 $1,671 $1,313 $1,493 $1,322 $1,656
ME$1,334 $1,446 $454$1,485 $1,166 $724$759$1,053
MI$5,017 $4,140 $1,219 $5,250 $3,184 $1,880 $2,585 $2,268 $3,193
MN$1,977 $1,333 $1,118 $4,640 $1,070 $828$1,732
MO$1,831 $1,674 $1,112 $1,597 $816$1,212 $1,051 $1,326
MS$1,822 $886$1,477 $1,190 $1,487 $1,018 $1,092 $1,282
MT$1,903 $2,025 $1,020 $726$1,093 $2,109 $870$1,392
NC$2,095 $851$1,020 $1,367 $393$949$1,228 $1,129
ND$1,679 $1,324 $749$4,919 $949$1,364 $943$1,715
NE$1,545 $1,606 $1,139 $2,213 $952$1,175 $850$1,358
NH$1,585 $624$2,453 $953$785$729$1,188
NJ$1,948 $2,861 $917$3,446 $1,154 $1,403 $1,679 $1,915
NM$1,958 $1,615 $1,119 $1,186 $1,069 $855$1,300
NV$2,046 $1,915 $1,361 $1,375 $1,386 $1,018 $1,272 $1,122 $1,470
NY$1,820 $963$2,473 $2,026 $1,188 $1,695 $2,159 $1,761
OH$1,483 $1,193 $728$1,311 $1,408 $1,051 $863$784$1,065
OK$1,668 $1,684 $1,350 $2,279 $1,362 $1,122 $1,577
OR$1,896 $1,378 $1,155 $1,738 $1,372 $959$926$1,197 $1,326
PA$1,829 $843$2,704 $1,066 $1,834 $938$931$1,449
RI$2,333 $1,547 $2,905 $2,351 $1,438 $939$1,275 $1,827
SC$1,650 $2,059 $979$1,459 $1,294 $1,089 $1,422
SD$1,682 $1,398 $706$2,849 $943$1,298 $827$1,446
TN$1,777 $1,065 $970$1,464 $1,141 $895$1,090 $1,200
TX$2,488 $1,303 $1,908 $1,493 $1,109 $1,745
UT$1,442 $1,417 $906$1,466 $1,154 $1,174 $1,269 $1,266
VA$1,277 $859$1,061 $754$785$947
VT$1,759 $469$1,242 $954$2,233 $1,079 $1,289
WA$1,415 $1,260 $922$1,140 $866$746$858$1,042
WI$1,521 $1,346 $766$1,039 $2,797 $1,158 $721$1,265
WV$2,000 $1,030 $2,419 $1,288 $1,362 $979$1,513
WY$1,918 $1,604 $1,369 $922$1,017 $1,366

As you can see, some states have much higher rates than others. Some states have high insurance rates because they require more insurance — Michigan and Florida drivers pay more for insurance because they need personal injury protection on top of liability insurance.

Other states have high insurance rates for other reasons. For example, Delaware currently has high rates due to inflation, while Louisianans pay more because of extreme weather risks and a large population of uninsured drivers on the road.

The General Insurance Rates by Age and Gender

Other factors important to your car insurance rates are age and gender. Insurance companies carefully track claims numbers, and the data shows that young drivers and men are responsible for more claims.

Young drivers pay more for car insurance because they’re more likely to drive distracted. They also lack the experience to deal with tricky situations, like low visibility or tight construction zones.

Men, on the other hand, typically engage in reckless behaviors more often than women. Statistically speaking, men drive under the influence and succumb to road rage more than women. Young male drivers pay the most for car insurance, and the gap between genders and ages lessens with age.

Monthly Full Coverage Auto Insurance Rates by Age and Gender for the Top Insurance Companies
Age and GenderAllstateAmerican FamilyFarmersGEICOLiberty MutualNationwideProgressiveState FarmTravelersNational Average
18 Y/O Male w/a Clean Record$519$390$603$254$633$387$662$284$729 $496
18 Y/O Female w/a Clean Record$448$288$573$220$528$303$591$229$523$411
30 Y/O Male w/a Clean Record$177$129$160$87$198$139$136$103$106$137
30 Y/O Female w/a Clean Record$168$109$154$90$173$127$131$94$98$127
45 Y/O Male w/a Clean Record$160$110$133$80$172$115$195$86$97$118
45 Y/O Female w/a Clean Record$162$109$134$80$170$113$112$86$96$118
55 Y/O Male w/a Clean Record$152$104$126$76$163$109$100$82$92$112
55 Y/O Female w/a Clean Record$153$103$127$76$161$107$106$82$91$112
65 Y/O Male w/a Clean Record$157$108$130$78$169$112$102$84$95$115
65 Y/O Female w/a Clean Record$157$106$130$78$169$112$109$84$95$115

Since The General sells high-risk insurance, its rates are usually some of the highest. As you’ll see in most demographics, it’s best to avoid getting insurance from The General if you have a clean driving record. The General should be a last resort when you can’t find coverage elsewhere.

The General Insurance Rates for Low Credit Scores

While factors like age and location are fairly obvious, one insurance rate factor that often surprises drivers is their credit score. People with low credit scores can pay up to 60% more for their insurance than those in higher brackets.

Insurance companies charge more for two reasons. The first is that companies assume people with higher scores will consistently pay their bills on time. The second reason is that claims data suggests that people with lower scores file more claims.

Average Monthly Auto Insurance Rates by Credit Rating
Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
American Family$203$136$116
Farmers$269$161$139
GEICO$148$100$82
Liberty Mutual$357$226$176
Nationwide$165$132$120
Progressive$206$137$109
State Farm$200$117$90
Travelers$194$127$107
Allstate$296$196$166
Average$226$148$123

The General insurance company specializes in drivers with a less-than-perfect record, including low credit scores. While The General auto insurance rates are still higher than standard companies, it’s a little more competitive.

If you have a low credit score and high insurance rates, you don’t need to be stuck with those prices forever. You can lower your rates by improving your credit score. However, California, Massachusetts, and Hawaii drivers don’t need to worry about credit scores — these states banned using credit checks to determine rates.

The General Insurance Rates After Traffic Incidents

Car insurance companies examine your driving record to predict how likely you are to file future claims. Drivers with clean records pay the lowest rates because they’re less likely to cause accidents or get tickets.

People with incidents on their driving record tend to pay much more for car insurance. Even a single ticket can raise your rates, though the amount your rates increase depends on the infraction. For example, a ticket for racing can increase your rates by 73%, while failing to stop at a red light is usually a 23% increase.

Standard insurance companies often reject or drop drivers with too many accidents or tickets on their records. So if you’re a high-risk driver, it’s an ideal time to turn to The General insurance.

Average Monthly Rates for the Top Insurance Companies After an Accident
Insurance CompanyRates with an AccidentRates with a Clean Record
Allstate$237$166
American Family$166$116
Farmers$198$140
GEICO$132$82
Liberty Mutual$236$177
Nationwide$165$120
Progressive$190$109
State Farm$107$91
Travelers$157$107
Average$176$123

Unfortunately, you’ll pay high rates at any company if you have multiple tickets or accidents, The General included.

The good news is that you won’t be stuck with high prices forever. Driving incidents fall off your record after about three years, depending on state law and the severity of the ticket. Your rates will return to normal after your record clears if you don’t add any other infractions.

The General Insurance Rates After a DUI

While The General sells various products to all sorts of drivers, it’s perhaps best known for its DUI insurance. The General offers drivers the coverage they need after DUIs, even when other companies refuse to insure them.

DUIs have one of the biggest impacts on car insurance costs, which can double or triple your rates. A DUI charge can also make quotes from some companies too expensive while others refuse to work with you.h

The difference in rates after a DUI varies so wildly between companies that you should always compare quotes, even if you already have a policy. You can compare The General auto insurance quotes after a DUI with other companies below.

Average Monthly Rates for the Top Insurance Companies with a DUI
Insurance CompanyRates with a DUIRates with a Clean Record
Allstate$303$166
American Family$177$116
Farmers$191$140
GEICO$213$82
Liberty Mutual$325$177
Nationwide$252$120
Progressive$146$109
State Farm$124$91
Travelers$230$107
Average$218$123

As you can see, car insurance rates after a DUI are high no matter what company you consider. Although The General is expensive, the price is worth it if you need high-risk insurance.

Like traffic violations, a DUI doesn’t stay on your record forever, and insurance companies only look so far back. Once the DUI falls off your record, your rates will return to normal. However, DUIs typically stay with you for seven years.

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The General Auto Insurance Discounts Available

Insurance companies usually offer discounts to help their customers save money. The General is no different, but it doesn’t have the longest list. You might qualify for the following discounts when you shop at The General:

  • New customer. The General offers new customers a small discount if they’ve had coverage for the last five years with another company.
  • Good student. Full-time students under 25 can earn this discount by maintaining a 3.0 GPA.
  • Military. Active-duty military personnel get a discount on their coverage, but only in Louisiana.
  • Pay in full. You can save a small percentage on your insurance if you pay for the entire policy at once rather than in monthly payments.
  • Double deductible. The General will discount your insurance if you elect to have your comprehensive and collision insurance deductible doubled for the first 45 days of your coverage.
  • Homeowners. You’ll get a discount on your car insurance if you own a home and have insurance on it. Your home insurance can be with any company since The General only sells car insurance.
  • Safe driver. The General rewards drivers who keep their records clean with a discount. The amount of time you need to go without an accident isn’t specified, but most companies require at least three years.
  • Multi-car. If you have multiple cars in your household, The General will lower your rates if you insure them on the same policy.
  • Driver education. The General will give you a discount if you pass an approved driving course. Only classes that weren’t court-ordered qualify for a discount.
  • Passive restraint. The General discounts drivers whose cars have passive restraints, such as air bags.

As you can see, The General doesn’t offer the longest list of car insurance discounts. However, there are a few ways to save. The General will look for every discount you’re eligible for when you apply, but you can call a representative to double-check your policy.

The General Auto Insurance Coverage Options

All insurance companies sell enough coverage to meet state minimum insurance requirements. Most also sell everything you need to buy a full coverage policy.

Minimum insurance requirements vary by state, but all states that require insurance include liability. Other states also require uninsured motorist or personal injury protection insurance. So, minimum insurance is your cheapest option when you need to keep your budget low.

Full coverage consists of a suite of insurance products and is usually a requirement for car loans and leases. While no state legally requires full coverage, it’s a good idea for people with expensive cars they can’t afford to replace.

Keeping these needs in mind, The General offers the following insurance options:

  • Liability. Liability insurance comes in two parts: bodily injury pays for injuries you cause to other drivers, while property damage pays for cars, buildings, and other property you damage in an at-fault accident. Liability insurance doesn’t cover your vehicle.
  • Comprehensive. Comprehensive insurance pays for car repairs from non-collision damage, like fire, weather, theft, and vandalism.
  • Collision. Collision insurance pays for repairs to your car after an accident, even if you cause it. It also covers you if you hit a stationary object like a traffic sign.
  • Uninsured/underinsured motorist. Uninsured motorist insurance protects you from expensive repair bills if a driver with inadequate coverage hits you. It also covers your repairs after a hit-and-run.
  • Personal injury protection/medical payments. Medical bills can get expensive after a car accident. These insurance options pay medical expenses for you and your passengers.

While The General offers all the necessities for car insurance, it’s not a standard company. Instead, The General specializes in high-risk car insurance for people who can’t find coverage elsewhere.

What is high-risk car insurance?

Nobody wants to be labeled a high-risk driver, but it’s not always avoidable. Insurance companies consider drivers high risk if they have the following infractions on their driving record:

  • DUIs
  • Multiple at-fault accidents
  • Reckless driving charges
  • Multiple tickets

Many insurance companies also consider people with low credit scores as high-risk drivers.

When you’re a high-risk driver, you might struggle to find coverage. The General is there for you when standard insurance companies refuse to cover your car. Rates are more expensive, but you’ll at least have the coverage you need.

Does The General sell car insurance add-ons?

As a high-risk insurance company, The General doesn’t offer the longest list of add-ons to customize your policy. However, there are a few solid options to choose from, including:

  • GAP coverage. If you total a recently purchased car, you might owe more on your loan than the vehicle is worth. GAP insurance covers the difference, so you don’t need to pay for a car you no longer own. The General’s GAP coverage is unavailable in Washington and California.
  • Rental reimbursement. The General will cover the cost of a rental vehicle when your car gets stuck at the repair shop after a covered incident.
  • Custom equipment. A standard plan doesn’t pay for damage to custom equipment like rims, skirt kits, or stereos. If you have collision and comprehensive insurance, you can add custom equipment coverage to pay for repairs to your modifications.
  • Towing and labor. You can add towing and labor to your policy if you have collision and comprehensive insurance. This coverage ensures you get to a mechanic’s after a covered incident.
  • Roadside assistance. The General offers 24/7 roadside assistance, including battery jump starts and gas delivery.
  • Deductible waiver. The General waives deductibles for claims on windshields and window glass.

The General is vague about its offerings, so you might find other coverage options in your area. Regardless, adding these coverages can significantly increase your policy’s value, but you should only buy what you need. Add-ons can raise your rates quickly.

Does The General sell SR-22 insurance?

Although it’s often referred to as insurance, SR-22s are not a type of coverage. Instead, it’s a form drivers must submit to their local DMV after specific incidents.

Every state has its own laws, but drivers usually need SR-22 insurance after the following incidents:

  • DUI or DWI charge
  • Driving without insurance
  • Driving with a suspended license
  • Multiple violations
  • Unpaid child support

When you need SR-22 insurance, you’ll probably have to file it for three years. As a high-risk insurance company, The General can help with SR-22 insurance. Your rates will be higher, and you’ll likely need to pay a filing fee, but The General can keep you on the road.

What other types of car insurance does The General sell?

While The General doesn’t sell anything but car insurance, it partners with several companies to provide customers with quick quotes for other policies. 

The General customers can find quotes for the following coverages:

  • Home/renters/motorhome
  • Motorcycle
  • Phone
  • Boat
  • Travel trailer
  • Commercial
  • Life
  • Heath
  • Pet

For some coverages, The General redirects you to The General Labs. At the Labs, The General collects a little information about your needs, then provides affordable options for your coverage choices.

Some ZIP codes redirect to The General’s partners. 

Frequently Asked Questions

Is The General a good car insurance company?

The General offers reliable insurance for high-risk drivers who can’t buy from a standard company. However, drivers with a clean record should look elsewhere — The General has high rates and limited coverage options.

Who should get insurance from The General?

The General is ideal for high-risk drivers struggling to find coverage elsewhere. High-risk drivers include people with a DUI, multiple tickets or at-fault accidents, or low credit scores. If you can’t find car insurance at a standard company, it might be time to turn to The General.

Where does The General sell car insurance?

The General covers every state except Alaska, Hawaii, Maryland, Michigan, New Jersey, Rhode Island, and Washington D.C.

Does The General sell full coverage insurance?

Full coverage policies include liability, comprehensive, collision, uninsured motorist, and medical payments or personal injury protection insurance. The General sells each of the coverage options and add-ons to customize your policy.

How do you contact The General?

You have several options to contact The General. The most convenient option is to use the website, but you can also call the customer service phone number, send an email to The General’s customer service department, or reach out on Twitter.

Does The General have affordable insurance?

Due to its customer base consisting mainly of high-risk drivers, The General’s rates are usually much higher than the national average. However, it offers affordable rates for high-risk drivers, especially those with a DUI or low credit.

How does The General compare to other insurance companies?

The General offers excellent high-risk car insurance but lags behind other companies in other areas. For example, The General only sells car insurance, has limited customization options, and only offers a few discounts.

Who owns The General?

PGC Holdings — an affiliate of American Family Insurance — owns The General. American Family Insurance acquired PGC Holdings in 2012.

How do you file a car insurance claim with The General?

You have a few options to file claims — you can use the website, mobile app, or call The General’s claims phone number.

How do you get a car insurance quote from The General?

The easiest and quickest way to get a quote from The General is by filling out the online form on the website. However, if you’d rather speak with a representative, you can call The General’s customer service number.

What is a high-risk driver?

A high-risk driver is simply someone insurance companies have deemed very likely to file future claims, costing the company money. High-risk drivers usually earn the designation by getting DUIs, multiple tickets or at-fault accidents, or reckless driving charges. People with low credit scores might also be considered high-risk.

How can you pay for The General car insurance?

The General makes paying for your insurance easy. You can pay online with your bank account information or a credit card. The General accepts electronic checks in some states. You can set up autopay on the website or pay with the mobile app.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

Reviews
for The General Auto Insurance

3.58 (823 reviews)
5
February 16, 2022

Glarison

Great company I'm riding with shack

Great customer service. Very helpful they explained everything in detail and had the best rate I would recommend them to anyone
5
December 30, 2021

HWalla

Quick and thorough

I did the entire process online and received my quote within minutes. The company was quick to respond and provided me with my policy documents immediately
5
October 8, 2021

Kasarah90

Quick and affordable would recommend

My car broke down on my way to work and I had just purchased another car but did not have insurance, tags, or taxes paid yet. The car the broke down was unfixable so while waiting on a tow truck I called the General to get a quote for the other car. The process was simple and I didn't have to wait to speak to a representative. I gave all the required information and had a reasonable quote from the representative in less than 20 minutes. I made th...
My car broke down on my way to work and I had just purchased another car but did not have insurance, tags, or taxes paid yet. The car the broke down was unfixable so while waiting on a tow truck I called the General to get a quote for the other car. The process was simple and I didn't have to wait to speak to a representative. I gave all the required information and had a reasonable quote from the representative in less than 20 minutes. I made the payment over the phone and bam the car was insured before the tow truck arrived. the quote was cheaper than I thought and the monthly payments were reasonable. When I turned down roadside assistance and life insurance the representative was not pushy. I would 100% recommend The General car insurance.
5
March 17, 2021

mcgowanjr60_henry_yahoo_com

The Lion of the Jungle

I’m just gonna be honest I don’t think there is a better company out there that can completely understand what you need and offer you simply a caring agent and just what need and nothing more except a perfect price to match only the General
5
February 26, 2021

Bentot

Lower monthly rate

This is the only insurance company can lower my monthly premium compare to all insurance company. Like others general easy to deal with.
1
January 17, 2021

Junglezx_3

High Insurance

Their price was very high. We shopped around for other insurance after a month and the price increased.
4
January 8, 2021

bwaryasz2012

You get what you buy!

This was a relatively easy purchase to make, I would really give them 4.8 stars however the review platform wouldn't let me do that so I was forced to go slightly lesser. Let's talk about the why? The big issue, I have multiple cars that I wanted to list on the policy and quote and it only accepted and applied for one of the vehicles. When I logged into the app it linked to my old policy only telling me that it couldn't link my new policy, whic...
This was a relatively easy purchase to make, I would really give them 4.8 stars however the review platform wouldn't let me do that so I was forced to go slightly lesser. Let's talk about the why? The big issue, I have multiple cars that I wanted to list on the policy and quote and it only accepted and applied for one of the vehicles. When I logged into the app it linked to my old policy only telling me that it couldn't link my new policy, which meant having to call in and have the entire profile reset and redoing the process all again. Mind you my insurance was still good. (loss of 1/5 star) Then when my app was fully set up and ready to go again I can't add the other vehicle to the policy as a means of simplifying the bill. When I attempted to contact the company the virtual assistant wouldn't transfer me to a real agent and didn't have the ability to understand my request. (loss of 1/5 star)
5
January 7, 2021

goog39826_

Thank you for great service!

I am very pleased with my Geico premium. Out of ALL the 12 quotes I received Geico was by far the best. I searched for several days and I could not find any better rate then Geico.. What I think is even better is that it was all done without talking to anyone on the phone. Thank you Geico
3
January 7, 2021

Jessbell19

Poor customer service

Poor customer service while reviewing terms and conditions of policy. Lack of knowledge of the policy changes and updates.
1
December 29, 2020

counterstrike1911

The general will generally treat you like crap and rip u off

The General had horrible customer service and treated me like crap after having to file 2 claims on 2 accidents one of which was not my fault and was a tiny paint scuff. And they then doubled my rates and continued to make paperwork for the claims take months it took me over 2 months to get my car back from the shop and the repair shop said they had spent months not being able to work on the car till they got the go ahead from the general. All in...
The General had horrible customer service and treated me like crap after having to file 2 claims on 2 accidents one of which was not my fault and was a tiny paint scuff. And they then doubled my rates and continued to make paperwork for the claims take months it took me over 2 months to get my car back from the shop and the repair shop said they had spent months not being able to work on the car till they got the go ahead from the general. All in all they were the worst insurance company ever!
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