‏‏ The general car insurance review for 2021 - Mobilyardim

The general car insurance review for 2021

If the name The General rings a bell, maybe it’s because you remember the famous commercials featuring famed basketball player Shaquille O’Neal and the cartoon General. but wWhat sets The General apart is that its auto insurance is available in almost every state and seems to favor high-risk drivers.

This review will tell you about the kind of coverage you can expect from The General’s auto insurance and look at the insurer’s discounts, fees, customer satisfaction rates, and more.

Types of car insurance offered by The General

General car insurance

General car insurance focuses on customers who are risk drivers. That means that people with data violations or people who drive for the first time or people who travel more kilometers than the average per year see more as a risk. If that describes you, read on.

While the company offers limited optional coverage for high-risk drivers, it also offers many standard coverage options like most US insurance companies.

Typical coverage through the general includes:

Optional coverage options:

  • Rental fee: This coverage reimburses you for the costs associated with renting a vehicle if your car is involved in an accident.
  • Excess deductible: This coverage allows you to make a claim and waive the deductible for: repairs to the appropriate safety equipment. In concrete terms, an exemption from deductible applies to car windows, windscreens and doors.
  • Customized equipment: This add-on will cover damage to any aftermarket parts you’ve added to your cars, such as fog lights, bed covers, and RV shells. Policyholders can add up to $5,000 in additional coverage for accessories.
  • 24/7 roadside assistance: This option allows you to cover roadside assistance services such as tire change, towing and gas delivery.

What are the benefits of car insurance with The General?

Because general car insurance is designed to benefit mainly high-risk customers, it is excellent for young drivers and those with a record of multiple accidents, and those with poor or no credit.


Another advantage of The General is the mobile app and online portal. Using them, customers can actively manage their policy whenever and wherever they want.

Discounts available at The General

The General offers relatively few discounts compared to some other insurers. If you also want to take advantage of a multi-policy discount, The General offers a limited bundling of policies.

General’s auto insurance discounts include:

  • homeowners: While you can’t bundle policies, you can still get a discount on auto insurance if you own a home.
  • Multiple cars: the programoffered to customers with more than one car insured by The General.
  • Double deductible: This discount lowers your policy costs by doubling the deductible for comprehensive and collision coverage within the first 45 days of a policy.
  • Fully paid: The General car insurance can offer you a reduced rate for paying the entire annual premium.
  • Previous insurance: By switching from a car insurance policy to The General of another company, you will receive a discount on your rate.
  • Good Student Discount: This discount is available to students with good academic standing.

How much does general car insurance cost?

Car insurance shopping on a mobile device

As you may know, auto insurance prices depend on many factors, including the driver’s age, gender, and marital status. Let’s take a look at what Savvy research shows are good demographics for The General auto insurance.

Savvy collects data on consumers’ current policies, including rate information, age, marital status, geographic location, and more. The statistics provide a representative sample that is used as a general guide. See more about Savvy’s methodology.

The general – average annual rates
Age group Sex Marital status Where the
18 to 24 male single $2,934
18 to 24 female single $2,624
18 to 24 male married $1,910
18 to 24 female married $1,967
25 to 34 male single $2,153
25 to 34 female single $2,207
25 to 34 male married $1,868
25 to 34 female married $1,982
35 to 49 male single $2,121
35 to 49 female single $1,967
35 to 49 male married $2,528
35 to 49 female married $2,256
50 to 69 male single $2,130
50 to 69 female single $1,718
50 to 69 male married $1,913
50 to 69 female married $1,799

Source: Savvy

The level of cover you decide to take will affect your premium. Smart data shows that the average monthly cost of The General insurance is $189 per month. Liability will only cost you $170.24.

Does how much I drive affect my general car insurance quote?

Happy woman driving a car and smiling photo

According to Savvy Research, if you drive between 12,000 and 15,000 miles a year, you’ll pay $161 per month with your The General auto insurance policy. Have a look at the table below.

Driver miles per year Average costs per month
12,000 to 14,999 $161
15,000 to 19,000 $173

Source: Savvy

What other factors will affect my auto insurance premium? The general?

Hand Open Empty Wallet Looking For Money Problem Bankrupt Broke After Credit Card Payday

When preparing auto insurance quotes, insurers may also give drivers a different quote based on other factors. These include your geographic location, driving record, and credit history. Let’s take a closer look at that.


Insurers charge higher rates for your insurance premiums if you live near a busy intersection with high accident rates or in a large city with a higher crime rate. The state where you live also affects your quote.

According to Savvy, this is the list of states with the cheapest and most expensive auto insurance rates overall for all insurers.

Cheapest States Most Expensive States
1. Maine 1. New York
2. Hawaii 2. Rhode Island
3. Idaho 3. Washington, DC
4. Wyoming 4. Maryland
5. Iowa 5. Louisiana

Source: Savvy


After a DUI quote, you can expect your auto insurance rate to rise.

According to The Zebra, drivers in general with DUIs pay an average of $2,556 per year. That compares to $1,470 for those with a clean record.

Car accident

The General has a reputation for being a good insurer to choose if you have had an accident. The bad news, however, is that you can still expect your premium to rise, just not as much as with other insurers.

While we don’t know the data for how much The General raises rates after a fault accident, The Zebra’s data shows that insurance rates can increase by nearly 50% per year and impact rates on average for three years. Collisions affect your insurance rates by an average of $767 per year.


Some states have made it illegal for auto insurance companies to quote a higher premium to customers with a bad credit score. These states are California, Massachusetts, Michigan and Hawaii. Note, however, that The General is not available to residents of Michigan and Hawaii as it does not offer automatic coverage in those locations.

The Zebra said a very bad credit score can generally result in a premium that is 115% higher or $1,546 more than that of a person with exceptional credit.

How good is the general’s customer satisfaction?

JD Power & Associates has not yet rated The General for their claims or customer satisfaction. However, according to the National Association of Insurance Commissioners (NAIC), The General’s largest subsidiary received a complaint rate of 4.02, well above the average rate of 1.00. As a result, the insurer receives on average four times as many complaints as its competitors.

Woman filling out customer service survey on the phone

The background of the general

Based in Nashville, Tennessee, The General began operations in 1963. Then the company began selling insurance as a Permanent General Agency. It operated as The General Automobile Insurance Services Inc. as a licensed insurance agency and subsidiary of PGC Holdings Corp. In 2012, American Family Insurance acquired Permanent General Companies and other subsidiaries of the PGC Holdings Corp.

General’s insurance is available in 44 states, and policies are open to residents of all but California, Massachusetts, Michigan, and Hawaii.

General auto insurance policyholders need to be confident that they will pay claims because they have financial strength. The AM Best Rating Services gave The General an A rating, which means that the insurer can meet its obligations.

High-risk drivers benefit the most

In short, The General is a company that is financially stable but poorly rated by customers for claims processing. So if you’re a young driver or a high-risk driver, it’s a good idea to get a quote from The General as the company is likely to offer you relatively low rates. However, if you’re not a risk driver, you probably won’t find this auto insurance very competitive.

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