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State Farm vs. The General: Compare rates and discounts

State Farm vs. The General

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If you need car insurance, you might be considering State Farm and The General. These two providers have their similarities. State Farm provides its customers ways to save, with its Drive Safe & Save discount and a vehicle safety discount, among others. And The General is known for providing affordable insurance to high-risk drivers.

Both State Farm and The General have solid reputations for customer service. The General gets an A+ from the Better Business Bureau and State Farm a B+. With all of these things in common, it might be heard to choose. Take a look at our detailed comparison below, and you’ll be armed with the info you need to make your decision.

State Farm

The General

OVERVIEW

OVERVIEW
About the provider
About the brand Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
States served
States served All 50 states
All states except Hawaii, Massachusetts, Michigan and New Jersey

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional No
New car protection
New car protection No No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods Online
Phone
Phone
App
Payment schedule
Payment schedule 12 months
6 months
Monthly
12 months
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes, Up to 20% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% Yes
Safe driver discount
Safe driver discount Yes No
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, Up to 25% Yes
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

State Farm offers more discounts than The General, but if you don’t qualify for insurance through State Farm because of a poor driving history, The General is a solid option. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to State Farm and The General

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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