GM Offering “Free” Car Insurance with Car Purchase

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

Secured with SHA-256 Encryption

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore...

Full Bio →

Reviewed byJeffrey Johnson
Insurance Lawyer

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

While options such as OnStar and high-end entertainment remain on the menu for new car buyers in General Motors showrooms, the automaker has partnered with MetLife to throw in a “free” year of car insurance as a new feature for buyers in the Pacific northwest.

The promotion only applies to buyers in Oregon and Washington state of any new 2010, 2011 or 2012 GM model – Chevrolet, Buick, GMC and Cadillac – and includes cars, trucks and crossovers. The actual insurance policy includes liability, collision and comprehensive coverage. Buyers who decline the offer and select to purchase their own car insurance will receive no discount, other than any incentives or rebates available on the specific make and model they select.

According to MetLife, the policy features a “new car replacement” provision for any car that it totaled in the first 15,000 miles or first year of ownership. During this period of time, the included policy requires no deductible or other out-of-pocket costs for consumers, not even for the depreciation of the value of the automobile.

After the policy ends, consumers have the choice of either renewing with MetLife, or selecting their own insurer. According to the Insurance Information Institute (III), policyholders in Oregon pay an average of $727 annually for their auto insurance, while those in Washington pay an average of $840. The national average cost for auto insurance is $789 a year.

While General Motors has issued a statement claiming that the promotion looks to help combat the uninsured motorist issues plaguing the nation, plus to gauge the appeal of including insurance in the price of its automobiles, we’re convinced the real goal is to sell more cars. The company does not yet know if the promotion will be rolled out on a nationwide basis. For those in Oregon and Washington, the promotion runs through September 6, 2011.

(888) 394-1149