Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

The General car insurance review Oct 2020

Last updated:  

Find affordable coverage even if you need an SR-22 or have a spotty driving record

TrustPilot Reviews: 4.7 / 5.0 (52654 reviews)

finder.com's rating: 3.5 / 5

★★★★★

  • Get a quote if you have a history of accidents or claims or need an SR-22.
  • Pick something else if you have a good driving record or want extra perks.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served All states except Hawaii Massachusetts Michigan and New Jersey
Roadside assistance Optional
Accident forgiveness No
New car protection No
Pay schedule 12 months, monthly
Claims methods Phone, App
Rideshare coverage No
SR-22 support Yes

Pros

  • High-risk drivers welcome
  • Instant online access
  • SR-22 support
  • Flexible payments
  • Transparent quoting

Cons

  • No-frills policies
  • Claims by phone or app only
  • Limited discounts
  • Website lacks info
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount No
Good student discount Yes
Loyalty discount No
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount No
Usage-based discount No

Expert review

Jing Jun Ma

Review by


Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.

Expert review

The General is ideal for basic, affordable coverage for high-risk drivers who have trouble getting coverage elsewhere. If you have a less-than-perfect driving record or need an SR-22 and you live in a state that’s included in The General’s service area, The General might have the lowest rates you can qualify for.

However, if you’re a low-risk driver or you’re looking for more comprehensive coverage, you may want to explore other companies that may be able to offer wider or more specialized coverage for a lower price.

The General car insurance rates

Most drivers pay around $67 a month for car insurance with The General, although your cost may differ based on your car model, address and age. Compare sample monthly car insurance rates for The General policyholders across the US.

CANYTX
18 year old man$136$442$309
18 year old woman$152$413$273
25 year old man$80$297$86
25 year old woman$80$305$79
35 year old man$49$197$55
35 year old woman$54$248$58
45 year old man$47$191$52
45 year old woman$53$274$60
56 year old man$59$179$47
56 year old woman$66$197$47

How to apply for The General

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.

Online

  1. Visit The General’s website and enter your zip code. Click Get quote.
  2. Enter general information about your location, credit and prior insurance. Click continue.
  3. Enter your driver information, date of birth, marital status, etc. Click continue.
  4. Enter your vehicle information, year, make, model. Then click continue.
  5. Review coverage options and policy details, then continue if you are satisfied.
  6. Create a password and enter your contact information, then continue.
  7. Enter your garaging or parking address, then continue.
  8. Answer the application questions, then continue.
  9. Enter driver details including license number, SSN and full name, then continue.
  10. Enter your vehicle details and VIN, then continue.
  11. Review all policy details, then continue.
  12. Enter your payment information and proceed to purchase your policy.

Phone. 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 866-378-1042.

Agent. Use the agent locator tool on The General’s website to find out how to apply for coverage through an agent.

The General insurance locations near me

You can see if you live near one of the company’s agency locations. Agent availability can be hit or miss, especially if you live in a rural area.

Search for an agent or location near you, using the agent locator:

  1. Go to The General’s main website and scroll down to the bottom. Click Find a Local Agent under the About Us links.
  2. Enter your ZIP code and tap Search.
  3. View the map or listed results. Click the location to find that agent’s contact information.
  4. Call or visit the location in person.

What discounts can I get with The General?

Although The General specializes in no-frills auto insurance for high-risk drivers, it offers several standard auto insurance discounts.

  • Airbag. Qualify for a discount if your car is equipped with factory-installed airbags.
  • Antilock brakes. Get a discount if your car includes antilock brakes.
  • Deductible doubling. Get discounted rates when you double your deductible for the first 45 days of your policy.
  • Defensive driving. Drivers who complete an approved defensive driving course may get discounted rates.
  • Homeowner. Lower your premium just for owning a home.
  • Lump-sum payment. Get a discount for paying your policy premiums in a single, lump-sum payment rather than monthly installments.
  • Military. Active service members could get discounted rates if they qualify and live in specific areas.
  • Multi-vehicle. Get a discount for insuring multiple vehicles under the same policy.
  • Specified driver. You may get a discount if you only allow experienced drivers to drive your car. They must have at least five years of experience and a clean driving record.
  • Switch and save. Save extra money by switching to The General with six months of continuous coverage from another car insurance company.

What car insurance coverage does The General offer?

  • Bodily injury liability. This coverage protects you if you injure someone with your car, but it doesn’t cover damage to you or your car.
  • Collision pays for damage to your car when your car hits or gets hit by another car.
  • Comprehensive covers damage to your car from anything other than a collision, such as hail, theft or fire.
  • Medical payments. For an additional fee, this pays for medical bills if anyone is injured in your car.
  • Property damage liability protects you if your car damages someone else’s property, like another vehicle.
  • SR-22. An SR-22 certificate of insurance helps those with driving violations get back on the road with current insurance.
  • Towing and roadside assistance helps you if your car breaks down and you need services like a flat tire change, tow or battery jumpstart.
  • Uninsured or underinsured motorist covers you for damage and injuries caused by a driver without enough insurance to pay those expenses.

Who qualifies for a policy with The General?

The General claims that most drivers qualify for a policy, including those with previous accidents or needing to file an SR-22. We tested the limits through The General’s online quoting tool, finding that you’ll get denied if you have four or more major at-fault accidents or claims in the last three years.

You can have up to 10 minor incidents on your record and still get a quote. These parameters are pretty flexible, even for a high-risk insurance company.

But if you have any incidents like speeding or failing to stop, expect your rates to hike up. With each minor incident we added to the sample quote, the quote went up $500–$1,000.

How does The General bundling work?

The General doesn’t give specifics on whether you can get discounts when buying multiple policies. It’s typical for companies specializing in high-risk drivers to offer fewer discounts than standard.

The General partners with other companies to offer several types of policies for your convenience:

  • Motorcycle
  • Homeowners
  • Renters
  • Condo
  • Motor home, RV or trailer
  • Boat
  • Life
  • Health
  • Business

The General car insurance reviews and complaints

The General boasts an impressive A+ rating with the Better Business Bureau (BBB), as of October 2020. It also holds a composite score of 4.5 of a possible 5 stars, based on customer reviews. Despite its ratings, over 200 customer have filed BBB complaints, citing issues with billing, unauthorized payments and denied claims.

Keep in mind that customer reviews don’t tell the entire story. Most customers only go online if they have a negative experience, which is why you don’t see as many positive reviews.

The General® user reviews

4.7 / 5.0 (52654 reviews)
Ready to get insured?
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.

Need help? Talk to a customer specialist

X

Pros and cons of The General

The General offers high-risk drivers all the coverage and discount options you’d expect from a standard insurance company, though without some extras like gap or equipment coverage.

Pros

  • High-risk drivers welcome. Many insurance companies won’t cover high-risk drivers, but The General specializes in this area. Yet a policy could come with a high premium, and there are limits to who’s accepted.
  • Instant online access. Once you’ve signed up and paid for a policy, you can download and print your card immediately.
  • SR-22 filing. This service helps drivers who need to send confirmation of car insurance coverage to their state.
  • Flexible payments. You can change your payment due date once per policy period, or typically every six months. This flexibility comes in handy if your paycheck is late or you have an unexpected bill.
  • Transparent quoting. The General’s online quote tool shows your coverage, discounts, fees, down payment and monthly premium. And if you don’t like your quote, you can compare several competitors on the same page.

Cons

  • No-frills policies. The General keeps costs down by offering the basics of car insurance coverage.
  • Claims handled by phone or app. You can’t file a claim online, an issue if you prefer instant results or don’t like extra apps on your phone.
  • Website lacks information. The General’s website lacks specific information about coverage options, discounts and features.

      Compare The General to competitors

      See how The General stacks up to similar companies in terms of coverage and benefits. Check the Compare box to see up to four companies side by side.

      Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
      Progressive
      Optional
      30%
      All 50 states
      Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
      Clearcover
      Optional
      Yes
      AZ, CA, IL, LA, OH, TX, UT and WI
      Get instant online support and score a low rate thanks to online data that sets premiums automatically.
      Allstate
      13%
      All 50 states
      Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
      The AARP Auto Insurance Program from The Hartford
      Optional
      Yes
      All 50 states & DC
      Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
      EverQuote
      EverQuote
      Optional
      Yes
      All 50 states
      Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
      Esurance
      40%
      All states except AK, DE, HI, MT, NH, VT, WY
      Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
      loading

      Compare up to 4 providers

      Alternatives to The General

      Frequently asked questions about The General

      Car insurance ratings

      ★★★★★ — Excellent

      ★★★★★ — Good

      ★★★★★ — Average

      ★★★★★ — Subpar

      ★★★★★ — Poor

      Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

      We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

      Learn the details of our methodology and scoring.

      Ask an expert

      You are about to post a question on finder.com:

      • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
      • finder.com is a financial comparison and information service, not a bank or product provider
      • We cannot provide you with personal advice or recommendations
      • Your answer might already be waiting – check previous questions below to see if yours has already been asked

      Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.

      2 Comments

      1. Default Gravatar
        Michelle
        October 11, 2018

        How much will it cost for an SR22 to reinstate my license? I do not own a car as of yet.

        • Avatarfinder Customer Care
          Charisse
          October 11, 2018

          Hi Michelle,

          Thanks for reaching out to finder.

          The cost of SR-22 insurance varies by driver and by insurance company however you can expect it to be more expensive than usual since insurance companies will consider you a high-risk driver.

          Your auto insurance policy (SR22) price will depend on the reason why your license was revoked or suspended; whether it was a first, second or third offense; whether the accident that occurred resulted in bodily injury to other parties. You can find out the exact price if you request for an SR22 insurance quote online or through an agent.

          The filing fee for an SR22 though, is relatively low and will typically range anywhere from $15 to $25 but may also vary by state.

          I hope this helps.

          Cheers,
          Charisse

      Go to site