This is an iconAffordable coverage options for high-risk drivers
This is an iconStreamlined online quote tool
This is an iconHigh customer satisfaction rate


This is an iconLegal minimum coverage may not provide adequate protection
This is an iconExcludes household members aged 14 or more unless they are included in the policy
This is an iconNo online claim filing tool

The General insurance company specializes in auto coverage. Unlike other renowned car insurance companies, The General provides excellent rates for high-risk drivers and individuals who wish to manage their policies online or through an app. Although the company has a reputation for the best-priced options, customers with a clean driving record may find better rates and higher discounts if they compare car insurance quotes from other providers.

How Does The General Auto Insurance Rate?

Being a subsidiary of the American Family Insurance, The General does not appear independently in most rankings performed by third-party rating agencies like J.D. Power. Nonetheless, it can still be considered one of the best car insurance companies for drivers who cannot obtain insurance policies through other providers.

Customer Satisfaction Rating

First Notice of Loss:
Estimation of Process:
Repair Process:
Claims Servicing:
Rental Experience:

The Better Business Bureau gives The General auto insurance an A+ rating. According to customer reviews, the company scored an average of 4.63 out of 5, which means that its customer satisfaction level is quite impressive compared to competitors.

Customer Complaint Ratio

The General

The National Association of Insurance Commissioners (NAIC) is a customer service standard-setting regulatory body, enacting best-practice insurance standards across the nation. The NAIC compares the number of customer complaints received for an insurance provider against the default national median of 1.00. An index above 1 indicates higher than expected complaints. The General insurance company has a ratio of 1.03, only slightly higher than the national median.

Financial Strength

AM Best assesses insurance companies’ financial health to evaluate how well they can fulfill their financial obligations to their customers. Currently, The General auto insurance company has an A ranking, indicating financial strength and reliability.


The General Insurance Features

The General has an online portal and mobile app to make policy management easier for its customers. The online portal, MyPolicy, allows customers to make payments and track their policy details. Creating an account on the company’s MyPolicy portal grants you access to various on-demand support features such as email, chat and FAQs. You can reach out to an agent to manage your policy through the online portal, over the phone or through The General’s mobile app.

  • Type of Feature
  • Online Price Quotes
    Getting a quote from the website is fast and easy. You will be able to retrieve existing quotes by signing into your account.
  • Online Bill Pay
    You can pay your car insurance premium through the company’s online portal or mobile app.
  • Online Claims
    Policyholders report claims by contacting the company by phone or through the app. Currently, it is not possible to file claims online.
  • Payment Options
    The General offers convenient monthly payment plans that are also budget-sensitive.
  • Mobile App
    The General’s mobile app facilitates access to a variety of car insurance and other insurance services.

The General Auto Coverage

Most companies that insure high-risk drivers keep costs down by reducing the coverage options available. The General features various basic car insurance coverage, including liability, medical payments, collision and comprehensive coverage. The initial quote provides the lowest legal minimum coverage. Drivers will need to manually select additional coverage if they wish to receive more protection.

  • Type of Coverage
  • Collision
    Collision coverage options are also limited to a few choices and may not meet the level required by most car financing companies.
  • Personal Injury Protection
    While medical payments coverage caters to funeral costs, it is limited to payouts of $500, $1,000, $2,000 or $5,000.
  • Uninsured
    With The General insurance company, this coverage cannot be more than the bodily injury liability coverage and provides fewer options than bodily injury liability.
  • Liability
    The company combines property damage and bodily injury in several liability coverage variations.

Optional Insurance Features and Coverage

Drivers with a policy from The General can expand their coverage benefits using the following optional plans. The choices are limited, as is always the case with companies that feature fast auto insurance processes.

  • Type of Option
  • Rental Reimbursement
    Rental reimbursement coverage can vary, with the lowest amount paid to be $20 per day for 30 days. This coverage is exclusive for drivers who have collision and comprehensive coverage.
  • Roadside Assistance
    This service is offered to drivers who have collision and comprehensive coverage.

Available Discounts on The General Car Insurance Coverage

The General car insurance offers a few discounts as a way of maintaining simplicity and affordability. These are often added to customer quotes and include new customer, good student, multi-car and homeowner discounts.

  • Type of Discount
  • Good Student
    Students can receive this discount upon providing proof of exceeding certain academic standards.
  • Multi Vehicle
    Having more than one vehicle on your policy can help you save on your auto insurance premium.
  • Multi Policy
    Bundling collision and comprehensive coverage within the first 45 days of your policy qualifies you for this discount.
  • Pay In Full
    Paying all your premium upfront can save you money. You may also get a discount by choosing the quarterly payment plan

Other The General Insurance Products

The General specializes in car insurance services for high-risk drivers. Its policyholders receive all basic coverage options available in most national insurance companies, as well as a limited number of optional coverage.

Individuals seeking other forms of insurance such as life, medical and home insurance can access them through the parent company, American Family Insurance.

  • Type of Product
  • Homeowners Insurance
    The company does not provide homeowners insurance, though customers qualify for a discount on their premium if they own a home.

How to Make a Car Insurance Claim With The General

If you have a car insurance policy from The General, you can report a new claim or check the status of an existing one by reaching out to the company by phone, email or through the mobile app. Currently, claims cannot be filed or checked through The General’s website.

Contact The General Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.