Geico vs. The General: Which provider is better?

Geico vs. The General

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If you need car insurance, you might be considering Geico and The General. Both companies have their strengths and weaknesses. The General gets an A+ from the Better Business Bureau and is known for providing insurance to high-risk drivers.

Geico offers many discounts in an effort to bring down the cost of your insurance and has an innovative app that you can use to view your policy, submit a claim or even find the cheapest gas in your area.

Having a hard time deciding between the two? We’ve lined up Geico and The General in a side-by-side comparison so you can choose the one that best suits your needs.

  • Affordable coverage
  • Instant online access
  • SR-22 support

Our top pick: The General

Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.

  • Affordable coverage
  • High risk drivers okay
  • Instant online access
  • Available in 46 states
Geico

Geico

The General

The General

About the provider Geico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind. The General specializes in budget-friendly insurance plans for drivers who may be deemed “risky” elsewhere. Conveniently selling directly to customers online, insurance can be approved and put a driver on the road in no time.
Price Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs. Policy costs depend your personal situation. Visit The General for a quote based on your specific needs.
States served All 50 states 46
User satisfaction* N/A A+
J.D. Power ratings** 3/5 on overall claims satisfaction N/A
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Geico

Geico

The General

The General

Good student 15% (full-time student, between 16-24 and B average or better)
Defensive driver
Good driver Up to 26% (5 years accident-free)
Pay in full discount
Multicar Up to 25%
Military Up to 15% (active duty, retired of member of the National guard or Reserves)
Homeowner
Other discounts Federal employee – Up to 8%

Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces)

Multi-policy / Multi-line discount – Varies

Membership and employee discount – Varies

Seat belt use – 15% (medical payments or personal injury portion of premium)


Vehicle discounts

Geico

Geico

The General

The General

Anti-theft device Up to 25% (comprehensive portion of premium)
Anti-lock brake 5% (collision portion of premium)
Passive restraints N/A
Air bag Up to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)
Other discounts

Bottom line

Geico offers far more discounts than The General, but The General provides insurance to high-risk drivers who might be having a hard time getting coverage otherwise. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Geico and The General

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

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