The General Auto Insurance Review: Quotes and Service (2023)

According to MoneyGeek’s rating methodology, The General ranks below-average, scoring 56 out of 100. The General has above-average scores for financial stability and complaints, but satisfaction, affordability and discounts scores are average or lower. It’s expensive for full or minimum coverage, young drivers and with a traffic violation. However, it offers custom parts coverage, making it a standout amongst competitors.


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Advertising & Editorial DisclosureLast Updated: 1/26/2023
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This is an iconOffers custom parts coverage
This is an iconHas unique discounts, such as homeowners and continuously insured
This is an iconOffers roadside assistance and rental car and/or travel reimbursement coverage


This is an iconExpensive compared to its competitors
This is an iconNo accident forgiveness, gap insurance or deductible modification coverage


The General has an above-average rating for complaints and an average score for customer satisfaction. For auto insurance, The General is expensive for young drivers and drivers with a speeding ticket, as well as drivers buying full coverage or minimum coverage.

To learn more about The General and other insurers, check out MoneyGeek's resources on the cheapest car insurance providers and the top car insurance companies. If you want to compare The General to other insurers, you can use MoneyGeek's auto insurance company comparison tool.

How Does The General Rank for Customer Service?

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 providers 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 five, 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 1.00 indicates higher than expected complaints. The General insurance company has a ratio of 1.03, only slightly higher than the national median.

The General Auto Insurance Quotes: How Much Does it Cost?

MoneyGeek gathered auto insurance quote data from the states where The General offers auto insurance and averaged them for sample drivers. Based on MoneyGeek’s available data for The General, it is expensive for all drivers, costing an average of $3,404 per year.

MoneyGeek examined The General’s auto insurance rates based on four core driver profiles. MoneyGeek found that The General is expensive across each: full coverage, minimum coverage, with a speeding ticket and a teen driver.

When looking for the cheapest auto insurance provider, MoneyGeek recommends that you shop around and compare quotes from at least three insurers. However, pricing should not be your only concern; you should also analyze the provider's stability, customer satisfaction rate and other factors.

Average Annual Cost of Car Insurance with The General versus National Average

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  • Driver Type
    The General Average Rate
    National Average
  • Full Coverage
  • Minimum Coverage
  • Speeding Ticket on Record
  • 18-Year-Old Driver

Is The General Car Insurance Expensive or Cheap? Why?

The General is expensive for all types of drivers, from young drivers to those with a traffic ticket and who want full coverage or minimum coverage.

Insurance companies aren't transparent about how they rate drivers and decide on a premium. However, factors such as residing in a high-risk area, having poor credit, a speeding ticket, being a young, inexperienced driver and owning a car that requires high coverage limits can make insurance through The General more expensive. Any insurance company may charge more in these instances.

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Discounts Offered by The General That Can Help You Save

Since The General’s average auto insurance cost is expensive, discounts can make it more affordable.

The General offers some of the most common discounts, such as multiple car, good student, safe driving, pay-in-full, defensive driving and airbag discounts. But it is missing several discounts that auto insurers typically offer, such as bundling, paperless and anti-theft system discounts.

The General does offer some unique discounts that are rare amongst auto insurers, such as a homeowners discount, regardless of who insures the home, and continuously insured for at least five years discount.

Compare The General Directly With Other Car Insurance Companies

MoneyGeek offers resources to assist you in comparing The General to other major insurance providers in your state. Using our comparison tool, you can find out how The General ranks next to the competition for service, pricing and standout coverages. In addition, the tool can direct you to resources that assist you further in comparing these insurers.

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Does The General Offer Broad or Unique Coverage?

The General, like other insurers, offers standard coverages such as liability insurance, comprehensive and collision insurance. The General also offers very common add-on coverages, such as roadside assistance and rental car and/or travel reimbursement. But, it does not offer accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement as other insurers do.

Regardless, The General provides custom parts coverage, which is uncommon amongst auto insurance companies. Custom parts coverage is distinct in that it covers anything extra that you add to the car: custom parts or equipment, gadgets, accessories, custom paint and other upgrades not installed by the original manufacturer that modifies the performance or looks of your vehicle.

What Online Auto Insurance Tools Does The General Offer?

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.

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.

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.

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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, 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.