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 Jul 2020

Last updated:  

Affordable coverage for nearly any driver’s rating: 3.5 / 5.0


  • Get a quote if you want cheap rates for a no-frills auto insurance policy.
  • Pick something else if you have a good driving record or want extra perks.
  • Drivers with a history of accidents or claims or who need an SR-22 can get coverage.


Roadside assistance

New car protection

Accident forgiveness


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


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


  • No-frills policies
  • Claims handled only by phone
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 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.

The General car insurance rates

Compare sample annual car insurance rates for The General customers across the US.

18 year old male$1,631$5,309$3,710
18 year old female$1,824$4,952$3,275
25 year old male$965$3,565$1,036
25 year old female$965$3,664$952
35 year old male$589$2,363$658
35 year old female$645$2,981$692
45 year old male$565$2,297$628
45 year old female$639$3,291$720
56 year old male$713$2,152$564
56 year old female$792$2,364$561

Where is The General car insurance available?

The General offers coverage in 46 states and claims to accept drivers with less-than-perfect credit or driving violations. 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 one of the following states, you may need to look elsewhere:

  • Hawaii
  • Massachusetts
  • Michigan
  • New Jersey

What car insurance coverage does The General offer?

  • Bodily injury liability. This protects you if you injure someone with your car, but it doesn’t cover damage to you or your car.
  • Medical payments. For an additional fee, this pays for medical bills if anyone is injured in your car.
  • No fault. With no-fault insurance, both parties of an incident are compensated by their own insurance companies, regardless of who was at fault.
  • Uninsured motorists’ coverage. Covers you for damages and injuries caused by an uninsured driver.
  • Collision coverage. Pays for damage to your car when your car hits or is hit by another car.
  • 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.

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.

How does The General bundling work?

The General doesn’t specify whether you can receive a bundling discount when buying multiple insurance products. It’s typical for companies that specialize in SR-22s to not offer as many discounts as standard insurers. The company does offer several types of policies for your convenience, including:

  • Homeowners
  • Renters
  • Condo
  • Motorcycle
  • Motor home, RV or travel trailers
  • Boat
  • Life
  • Health
  • Business
Ready to get insured?
Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.

Need help? Talk to a customer specialist


Pros and cons of The General

It offers a variety of 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.


  • Coverage for high-risk drivers. If you’re a high-risk driver, many insurance companies won’t cover you. 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 keeps 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 and features.

      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.


      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’s cancellation policy

      The General reviews and complaints

      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.

      Other comparison sites like NerdWallet and ValuePenguin cite The General as a good option for drivers who can’t get coverage elsewhere, with the caveat that other insurers will probably be better and cheaper for low-risk drivers.

      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 at 888-333-2331 or through its online form.

      From The General’s site, you can also set an appointment time to have them call you directly.

      How do I find The General agents near me?

      You can see if you live near one of the company’s local agents. Agent availability can be hit or miss, especially if you live in a rural area. To search for an agent:

      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.

      Compare The General to competitors

      Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
      All 50 states
      Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
      AZ, CA, IL, LA, OH, TX, UT and WI
      Find basic coverage and low rates through its easy online or app-based experience.
      All states except AK & HI
      Your broker is your one-stop shop for comparing any coverage you need.
      Car Insurance Finder
      All 50 states
      Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
      The AARP Auto Insurance Program from The Hartford
      All 50 states & DC
      Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
      All states except AK, DE, HI, MT, NH, VT, WY
      Convenient online quotes, coverage and claims for tech-savvy drivers.

      Compare up to 4 providers

      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

      • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
      • 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 Terms of Use and Privacy and Cookies Policy.


      1. Default Gravatar
        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
          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.


      Go to site