Stonewood Insurance Review

Stonewood Insurance operates as All Star General, and sells mainly non-standard car insurance for the high-risk market. They operate as an auto insurance agency in California and Arizona.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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Stonewood Insurance

Financial Strength

Stonewood Insurance Summary
Stonewood Insurance InformationStatistics
Year Founded2007 (All Star General)
Numbers of Employees42
HQ AddressPO Box 502180, San Diego, California, 92150, United States
Phone Number1-800-396-1485, (858) 300-8875
Company Website
Premiums Written$10 Million
Best ForNon-Standard Auto Insurance
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Stonewood Insurance is a California-based insurance agency that is now operating as All Star General. The company is focused on car insurance, particularly non-standard personal automobile insurance.

Stonewood Insurance company reviews can be hard to find since it’s a smaller company, but we’ve done all the hard work for you. Everything you need to know is right here.

Entering your ZIP code in our free tool to compare auto insurance rates from different companies in your area.

Are the company’s car insurance rates competitive?

Rates are not available for Stonewood Insurance and will vary depending on the underwriting company and the driver. We would not expect to see online quoting from this insurance provider.

We can still give an idea of how much auto insurance will cost in Arizona and California through general auto insurance rates. Here are some average auto insurance rates based on Arizona and California car insurance:

Arizona and California Average Annual Auto Insurance Rates
StatesAverage Annual
Auto Insurance Rates
U.S. Average$3,932
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We’ve included the U.S. average to compare Arizona and California’s average annual rates with the national average annual rates. California appears to have cheaper than average auto insurance, but these auto insurance rates can be different for you once you get a quote.

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What is the availability by state?

According to the Stonewood Insurance company website, All Star General has car insurance in California and Arizona even though it’s based in California.

Rates are likely available only through agents, although there is a phone number on the All Star General website that will likely connect the caller with someone who can provide a quote to help you make a confident insurance decision.

What car insurance coverages are offered?

Neither Stonewood nor All Star General underwrites policies, rather they act as agencies placing customers with partner insurance companies. These companies are National General Insurance, Western General Insurance, and Nevada General Insurance.

While the company specializes in non-standard personal automobile insurance needs, it can also place people with standard insurance companies such as National General. Policy details vary between companies and are not listed on the site.

For example, Stonewood Insurance would connect you with National General Insurance services to get you auto insurance coverage like liability coverage.

Stonewood Insurance’s website does not talk about car insurance coverage, but you’ll need to know what you’ll need if you’re planning on driving on the road and what you’re paying for.

All U.S. drivers will need liability auto insurance, which is required by all states. Liability auto insurance is the minimum requirement for auto insurance. If you have any questions, refer to the complete guide to buying car insurance.

In some states, personal injury protection, medical payments, and uninsured/underinsured motorist coverages are required. These coverages are additional liabilities, and they are a part of liability auto insurance.

Next, collision and comprehensive auto insurance focus on property damage to your vehicle regardless of fault. Collision auto insurance pays for property damage regardless of who is at fault, while comprehensive auto insurance pays for damage that involves accidental damage out of your control.

Here are some common auto insurance rates based on information from the National Association of Insurance Commissioners (NAIC).

Average Annual Auto Insurance Rates by Coverage Type
Liability Rates
Collision Rates
Comprehensive Rates
U.S. Average$555$326$148
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Liability auto insurance costs the most, while collision and comprehensive annual rates are less expensive. However, these rates can change based on the factors that determine auto insurance. Vehicles are the biggest factors when determining auto insurance rates by coverage type.

What are the bundling options?

Stonewood Insurance has little to no information about other insurance services they provide. Without any other insurance services, there’s no way to bundle your auto insurance. But can you really save money by bundling your auto insurance?

Bundling insurance can save money, but the only way to know if you bundle auto insurance with another insurance service is to contact an All Star General agent.

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What discounts are offered?

Since the information from Stonewood Insurance (All Star General) isn’t listed, we’re left to assume what discounts could be available. The most common car insurance discounts are:

  • Clean driving record discount
  • Good credit discount
  • Good student discount
  • Senior driver discount
  • Safety features discount

Did you know age is a factor in determining auto insurance? Older and married drivers pay less for auto insurance. Take a look at these rates and see how much a person can pay based on their age.

Average Annual Auto Insurance Rates by Marital Status, Age, & Gender
Driver Marital Status, Age, & GenderAverage Annual Rates
Married 60-Year-Old Female$2,243
Married 60-Year-Old Male$2,308
Married 35-Year-Old Male$2,446
Married 35-Year-Old Female$2,449
Single 25-Year-Old Female$2,703
Single 25-Year-Old Male$2,889
Single 17-Year-Old Female$7,559
Single 17-Year-Old Male$9,028
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California has outlawed insurance companies from determining auto insurance by gender, but Arizona still sees gender as a factor to determine auto insurance. This is why we’ve included Arizona’s average annual rates.

Teen auto insurance is more expensive than auto insurance for people who are 35 and older. Usually, senior drivers receive a 5-10 percent discount on their auto insurance. Read this teen driver safety guide to learn more.

What programs are available?

Stonewood also offers renter’s insurance through a partner company, First American. What is renter’s insurance?

Stonewood Insurance (All Star General) can help you find renter’s insurance through one of their affiliates, but they don’t appear to offer it.

Pet insurance is offered through Pet Plan and dental insurance through

Pet Plan is a partner that All Star General agents may connect you with if you need pet insurance.

Is it possible to cancel a Stonewood policy?

There are several reasons why you want to cancel your auto insurance policy. Whatever the reason is, it’s your right to cancel whenever you choose. How to cancel your auto insurance policy may raise questions for you.

This section will explore how you can cancel your Stonewood Insurance policy. In addition to canceling your auto insurance, we’ll give you tips on when it’s the best time to cancel your auto insurance policy.

Is there a cancellation fee?

Canceling your auto insurance policy may result in a fee. When your auto insurance policy comes to an end, you can renew or allow it to end, avoiding additional fees. Canceling before the auto insurance policy is finished can result in a fee of at least $25.

Some auto insurance companies will issue a fee that’s a portion of the auto insurance policy. All auto insurance companies are different, so ask All Star General about their fees after cancellation.

Is there a refund for a cancelled policy?

Refunds vary by the auto insurance company. Usually, you will receive a refund from your auto insurance company when you’ve paid your auto insurance policy in full. Some auto insurance companies only pay you a portion of your refund. This may be because you’ve used auto insurance for more than a month.

How does one cancel Stonewood insurance?

You cancel your auto insurance policy by contacting your auto insurance company and let them know you want to cancel. This can be done over the phone, in an e-mail, or through a certified letter.

If you want to contact Stonewood Insurance (All Star General) about cancellation, call their toll-free customer service number at 1-800-396-1485 or send them a certified letter to P.O. Box 502180, San Diego, CA 92150-2180.

When are you able to cancel a policy with Stonewood?

You can cancel at any time. However, it’s best to pick a specific date when you want to cancel. This notifies the auto insurance company that you want to cancel.

It’s best to give the auto insurance company a 15- to 30-day notice when you want to cancel. Also, this will give you an opportunity to shop for more auto insurance, get another insurance policy as you’re leaving one company, and it gives you a chance to change your mind.

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Stonewood Claim Process

A claims phone number is listed on the All Star General website. On the Stonewood Insurance website, instructions are provided to call the appropriate claims number for your policy. This is standard for an agency that does not have its own coverage nor its own claims department.

Policyholders can click through a link based on the prefix of their policy number, which will provide information for claims and other services. Claims procedures will also vary by company.

Are Stonewood’s ratings positive?

We were unable to locate a Better Business Bureau (BBB) file for Stonewood, but there is one for All Star General. The company has an “F” rating. Four customer reviews on BBB gave All Star General one out of five stars. There are 14 customer complaints.

Stonewood has 135 Google reviews, with a 1.1-star rating overall. The reviews are overwhelmingly negative, and there is quite a lot of them for a smaller company that serves a limited region.

Normally, we provide ratings for an auto insurance company in our reviews, but Stonewood Insurance (All Star General) doesn’t have any financial strength ratings from the 5 ratings agencies listed by the the Insurance Information Institute.

There is a total of 73 reviews for Stonewood Insurance on Yelp. The overall star rating is one out of five, which means reviewers did not have much good to say. Complaints are similar across the board with many customer services and claims issues.

What’s the bottom line?

The confusion and general lack of useful information on the Stonewood Insurance website as well as the All Star General site, leave us unable to form any real opinion of their insurance products. The number of highly negative reviews lead us in the direction of suggesting that those in need of assistance with high-risk car insurance may want to take a look elsewhere.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Do you have more questions about Stonewood Insurance?

For the final section, we’ll cover commonly searched questions that you see in search engines across the internet. Even with the little information that we have from Stonewood Insurance, we’ll take advantage of the information we do have and try to answer frequently asked questions.

Are there any company reviews?

There are tons of Stonewood Insurance reviews across the internet. You’ll find multiple companies with the same name as Stonewood Insurance, but they all have different names and different subsidiaries. When you search for Stonewood Insurance reviews, you may see All Star insurance reviews along with it since the companies are basically the same.

Where can I find the PTS Stonewood agent login?

The PTS Stonewood agent login is where Stonewood Insurance or All Star General insurance agents can manage their agent accounts. All agents will work different subsidiaries under Bluefire Insurance.

Is Fall Lake commercial insurance under Stonewood Insurance?

Falls Lake commercial insurance is not connected to Stonewood Insurance in California. They have the same parent company, but no affiliation.

Is there a Stonewood Insurance email?

We searched the website, but the only way to contact Stonewood Insurance or All Star General is by phone. The closest thing to an e-mail for Stonewood Insurance is through Bluefire Insurance. Its e-mail is [email protected]

Is Freeway Insurance any good?

That’s up to the customer. Every experience with an auto insurance company varies by customer. Freeway Insurance has made a stake in providing auto insurance for those with bad driving records and promotes its customer service. The best way to know if it’s good or not is to search for reviews.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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