The General Car Insurance Review for 2024 (See Rates & Discounts Here)

Our The General car insurance review found that The General is ideal for high-risk drivers who can’t find auto insurance elsewhere, but good drivers should shop with another company.

While the company is suitable for high-risk drivers, we gave The General an overall 3.4 insurance rating, which we’ve broken down in the table below.

The General Car Insurance Rating

Rating Criteria
Overall Score	3.4
Business Reviews	3.5
Claim Processing	2.5
Company Reputation	3.5
Coverage Availability	4.5
Coverage Value	3.1
Customer Satisfaction	3.6
Digital Experience	3.5
Discounts Available	4
Insurance Cost	3.3
Plan Personalization	3.5
Policy Options	3.1
Savings Potential	3.5

The General is not one of the cheapest car insurance companies available, but it may be the right choice for you if you need SR-22 insurance. Read on to learn more about the company.

If you want to find affordable car insurance today, enter your ZIP in our free quote tool to find cheap quotes from companies in your area.

The General Car Insurance Rates

We’ve summarized average car insurance rates based on coverage, gender, and age at The General below.

The General Car Insurance Monthly Rates by Coverage Level, Age, & Gender

What you’ll pay for The General car insurance policies will depend on several factors that affect the price of car insurance, such as what coverage level you choose and how old you are.

A huge factor that will affect how much you’ll pay for The General auto insurance is your driving record. While The General insures higher-risk drivers, this doesn’t mean coverage will come cheap.

Rates at The General are highest for drivers with a DUI. Generally, this is because DUI drivers need to purchase high-risk insurance, which is more expensive. DUI drivers are also seen as higher risk than drivers with an accident or ticket, as impaired driving is one of the riskiest driving behaviors to partake in.

The General Car Insurance Rates vs. the Competition

Now that you know how much The General charges for car insurance, let’s compare the company’s rates to those of its competitors. First, let’s see how rates vary among companies based on age and gender.

The General Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 45 Female	Age: 45 Male
	$162	$160
	$115	$117
	$139	$139
	$80	$80
	$171	$174
	$113	$115
	$112	$105
	$86	$86
	$233	$232
	$98	$99
	$59	$59

As you can see, The General auto insurance is the most expensive company on the list for both male and female drivers. It is also the most expensive among companies for drivers with different driving records.

The General Car Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One DUI	One Accident	One Ticket
	$160	$270	$225	$188
	$117	$194	$176	$136
	$139	$193	$198	$173
	$80	$216	$132	$106
	$174	$313	$234	$212
	$115	$237	$161	$137
	$105	$140	$186	$140
	$86	$112	$102	$96
	$232	$426	$327	$277
	$99	$206	$139	$134
	$59	$108	$78	$67

If you can find auto insurance at a different company, it will likely be cheaper than The General’s car insurance rates.

How long your rates will stay high will depend on how long the company looks back on your driving record. At most companies, incidents will affect your rates for at least three years (Learn More: Cheap Car Insurance Companies That Only Look Back 3 Years).

The General Car Insurance Coverage Options

So what coverages can you buy from The General? The company offers the following different types of car insurance coverage to customers:

The General Car Insurance Coverage Options

The General sells all the basic coverages that drivers need to meet their state requirements. It also sells add-ons like roadside assistance or rental reimbursement coverage.

The General Car Insurance Discounts

Because The General insurance rates are so high, it is important that customers apply for discounts to reduce rates. Discounts offered by The General include:

The General Car Insurance Discounts

Where can I get cheap full coverage car insurance? A multi-vehicle discount can save drivers 25% on their car insurance policy. Applying for as many discounts as possible will help make The General Insurance more affordable, especially if you are shopping for full coverage

The General Customer Reviews

Reading about what other customers think of The General is a great way to get feedback on customer service, claims, and more. For example, look what a customer posted on Reddit about trying to contact The General customer service below.

Sites like Reddit are a great way to get a feel for how a company handles business and how customers feel about filing a car insurance claim after an accident with a company. For the most part, The General doesn’t stand out regarding customer service or claims handling, with negative feedback and complaints posted by customers.

While some negative feedback is normal for all insurance companies, The General’s overall ratings suggest subpar service.

The General Business Insurance Ratings

Reviews from businesses are another important factor to look at when reviewing The General car insurance. Business ratings will give you a comprehensive look at the best car insurance companies based on customer feedback, business practices, and more.

Take a look at the most important reviews from reputable businesses below.

The General Insurance Business Ratings & Consumer Reviews

Agency
	Score: 835 / 1,000 Avg. Satisfaction
	Score: B+ Good Claims Handling
	Score: 68/100 Avg. Customer Feedback
	Score: 1.15 More Complaints Than Avg.
	Score: A Excellent Financial Strength

The General has good overall ratings from the BBB, J.D. Power, and Consumer Reports, as well as a strong financial stability rating from A.M. Best. However, the NAIC found that The General has a much higher customer complaint ratio than average. The normal complaint ratio is 1.0 for insurance companies, and The General Insurance has a much higher number recorded.

The General Pros and Cons

It can be difficult to choose an auto insurance company when buying car insurance, as you want to pick one that fits your needs and your budget. We found that some of the main pros of The General are:

• Insures High-Risk Drivers: The General covers drivers who may have issues finding auto insurance at other companies.
• Discount Options: The General has several discount options that can help customers lower auto insurance costs.
• Financial Stability: The General has a strong financial stability rating from A.M. Best.

Of course, not everything about The General is great. The cons of The General that may deter potential customers include:

• Customer Service: The General’s overall ratings from customers are just average.
• Higher Rates: The General is one of the most expensive car insurance companies.

If The General is the right choice for you, then you can get quotes or sign up for insurance directly from The General’s website.

However, if you aren’t sure that The General is the right fit, make sure to shop around and compare car insurance quotes to find a company that is right for you.

Deciding if The General is Right for You

Reading The General car insurance reviews and knowing how car insurance works at the company should help most customers decide whether the company is right for them. We found that while The General is a good option for drivers with poor driving records, it is not the best option for good drivers due to higher prices and fewer coverage options.

If you are ready to shop for affordable auto insurance coverage in your area, compare rates now with our free quote tool.