We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias.
But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
The General claims to offer affordable coverage for nearly anyone in need of standard car insurance coverage.
Shopping for car insurance can be overwhelming — especially if you’re a high-risk or otherwise “nonstandard” driver. You’ll find that many companies won’t cover drivers who have a history of traffic violations or accidents — affordably or at all.
The General makes it easy for high-risk drivers to get covered, with a range of policy options, discounts and even assistance with filing an SR-22.
The General offers affordable coverage for nearly any driver who needs car insurance.
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
New car protection
High risk drivers okay
Instant online access
SR-22 filing assistance
Available in 46 states
Claims handled only by phone
Defensive driving discount
Good student discount
Safety device discount
Special employment discount
Paid-in-Full discount, Specific driver discount
Who is The General best for?
The General specializes in insuring “nonstandard” drivers — also known as high-risk drivers. Your anonymous online quote includes the minimum car insurance required for your state, with the option to pay more for additional coverage or benefits. If you have a prior history of multiple infractions or just want affordable car insurance, The General might be right for you. Compare your options to find a provider that’s right for you.
Where is The General auto insurance available?
The General’s auto insurance policies are issued through a network of independent agents and online. Its service area reaches from coast to coast, providing coverage in 46 states. However, if you live in any of the following states, you may need to look elsewhere:
What car insurance coverage does The General offer?
Property damage liability. Protects you if your car damages someone else’s property.
Emergency roadside service. For an additional fee, helps you if your car breaks down and you need help.
SR-22. An SR-22 certificate of insurance helps drivers with a history of driving infractions or suspended licenses get back on the road.
Find the cheapest rates
Compare the best car insurance companies near you.
Your information is secure.
What extra benefits and add-ons does The General offer?
The General specializes in no-frills auto insurance, so its policy features and special programs are limited. However, there are a couple programs available:
Down payment. Unlike many other providers, The General allows customers to place a downpayment on their policy to reduce monthly premiums.
Mobile app. The General offers a convenient mobile app that allows customers to view ID cards, manage their policy, and more.
What discounts can I get with The General?
Although The General specializes in no-frills auto insurance for high-risk drivers, it does offer a few standard auto insurance discounts.
Lump sum payment. Get a discount for paying your policy premiums in a single, lump sum payment rather than in installments.
Deductible doubling discount. Get discounted rates when you double your deductible for the first 45 days of your policy.
Multi-vehicle discount. Get a discount for insuring multiple vehicles under the same policy.
Select driver discount. You may be able to get a discount if you only allow specific drivers to operate your vehicle. However, they must have at least five years of driving experience and a clean driving record.
Defensive driving discount. Drivers who complete an approved defensive driving course may be able to get discounted rates.
Airbag discount. You may be able to get a discount if your car is equipped with factory-installed airbags.
Anti-lock discount. Get a discount if your vehicle is equipped with anti-lock brakes.
Homeowner discount. Get a discount on your auto insurance policy just for owning a home.
Military discount. Active service members living in Louisiana may be able to get discounted rates.
Transfer discount. You may be able to get a discount when you switch to The General if you’ve had six months of continuous coverage from another provider.
Pros and cons of The General car insurance
Coverage for high-risk drivers. If you’re a high-risk driver, many insurance companies either won’t cover you or will charge a lot for coverage. The General prides itself on covering high-risk drivers, although it could come with a higher premium.
Instant online access. Once you’ve paid for a policy, you can download and print your card immediately.
SR-22 filing assistance. This service is helpful for drivers who require this confirmation of liability coverage.
No-frills policies. The General keep costs down by offering the basics. You’ll pay for add-ons like medical payments coverage and roadside assistance.
Claims handled only by phone. You won’t be able to file a claim online or through an app, which may be an issue if you prefer instant results.
Limited discounts. Although The General does offer a few standard auto insurance discounts, other providers offer many other ways to save.
Website lacks information. The General’s website lacks specific information about coverage options, discounts, features and more.
How to apply for The General car insurance
To get car insurance coverage with The General, start by getting a quote online, calling to speak with a representative, or connecting with an agent.
Visit The General’s website and enter your zip code. Click “Get quote”.
Enter general information about your location, credit, and prior insurance. Click continue.
Enter your driver information (Date of birth, marital status, etc.). Click continue.
Enter your vehicle information (Year, make, model) then click continue.
Review coverage options and policy details, then continue if you are satisfied.
Create a password and enter your contact information, then continue.
Enter your garaging/parking address, then continue.
Answer the application questions, then continue.
Enter driver details including license number, SSN and full name, then continue.
Enter your vehicle details and VIN, then continue.
Review all policy details, then continue when you are ready.
Enter your payment information and proceed to purchase your policy.
You can also purchase coverage by contacting The General by phone. Whether you need help finishing your quote or prefer to deal entirely by phone, start by calling 1-866-519-7422.
Use the agent locator tool on The General’s website to find out how to apply for coverage through an agent.
What do customers say about The General?
The General has an official accreditation on the BBB website and boasts an impressive A+ rating to match. It also holds a composite score of 3.92 of a possible 5 stars, based on its letter grade and customer reviews. Despite its ratings, there are over 200 customer complaints on the BBB website, citing issues with billing, unauthorized payments, denied claims, and more.
Keep in mind that online customer reviews don’t always tell the entire story. Most customers will only go online if they have an overwhelmingly negative experience, which is why you won’t see as many positive reviews. Take these customer reviews with a grain of salt, and try to speak with friends and family to learn about their experience with the company.
How to contact The General
You can contact The General by phone or through on online form.
Find the cheapest rates
Compare the best car insurance companies near you.
Your information is secure.
What is The General?
General Automobile Insurance Services, better known as The General, aims to make car insurance affordable and accessible for all drivers. Established in Nashville, Tennessee, The General began selling insurance in 1963 under the name Permanent General Agency. The company was acquired by American Family Insurance in 2012 but continues to operate as a separate brand.
The General offers coverage in 46 states and claims to accept drivers with less-than-perfect credit or driving violations. It offers a variety of no-frills coverage options including basic liability, no-fault, uninsured motorist, and more. While its policy offerings are more limited than some of its competitors, its parent company, American Family, might have something better suited for your needs.
Alternatives to The General
The General prides itself on basic, affordable coverage for “nonstandard,” high-risk drivers. If you have a less-than-perfect record and live in a state that’s included in The General’s service area, it’s an ideal company to explore for low rates.
However, if you’re a low-risk driver or you’re looking for more comprehensive coverage, you may want to explore your options to find a provider that better suits your needs.
Yes, The General accepts online payment by credit card. You can sign up for autopay through customer service.
Yes. Unless you are an out-of-state driver, you can include the need for an SR-22 filing when accessing your quote.
Your quote will include only the minimum requirements as mandated by your state. You will have the option to add additional services, like roadside assistance and additional coverage.
The General’s corporate offices are located in Nashville, TN. It also has regional call centers in Ohio, Arizona and Louisiana.
Yes, all residents of your household age 14 and older (in most states) and any other individuals who regularly operate your vehicle must be either listed as a driver or excluded from coverage.
Yes, that is acceptable.
Yes, as long as you have been licensed at some point (e.g., have a driver’s license number) you can purchase a policy with The General.
Unfortunately, you won’t be able to file an auto insurance claim online. Instead, you’ll need to call 1-800-280-1466 and select option #3 to speak with a representative. The claims line is open 24 hours a day, 7 days a week. Here’s what you’ll need to file a claim:
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.