The General Insurance Review & Complaints: Car Insurance (2025)

r General agency specialize in high-risk drivers while promising affordable rates, a combination that can be difficult to find.

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The General’s memorable mascot and lively commercials make them a recognizable brand among non-standard insurers.

When comparing Lamar car insurance options to The General, assessing customer service and reviews is essential for informed decision-making.

Looking for cheap high-risk insurance or other types of coverage like that offered by The General? Enter your ZIP and start comparing quotes right away.

What is The General Automobile Insurance Services, Inc.?

The General was founded in 1963 as Permanent General Agency, and later sold products as Permanent General Assurance Corporation (PGAC). In 1997, the name The General came into use, although the company remains officially PGAC.

The following year, American Family Insurance acquired The General, although they continue to operate as a separate company. The company is currently headquartered in Nashville, Tennessee.

Policies are sold directly over the phone and online, as well as through independent insurance agents across the country. There are several service centers in other states, but not in all covered areas.

The General writes mainly non-standard car coverage and offers policies to drivers who have had trouble obtaining coverage elsewhere, due to matters such as:

• Traffic tickets
• Accidents
• Credit issues

For those seeking the best insurance for an SR-22, The General might be on your list. The company also markets itself towards budget policy shoppers, offering low down payments and affordable billing options.

What types of insurance does The General offer?

The General’s rates are designed for those who are considered high-risk drivers, and as a result, insurance premiums are not necessarily meant to be competitive with major standard insurers.

Rates are likely to be on the high side for a driver with a clean record, but for those seeking non-standard insurance and still want comprehensive coverage, they may be more competitive.

The General does offer low down payments – slightly more than one monthly payment, likely due to a small new policy fee. That is less than some companies require getting a policy started.

The General car insurance online access quoting system is simple and straightforward. However, it does not provide any information about what level of coverage is being quoted. This makes it difficult to compare their rate quotes and coverage options to other companies.

Without knowing what level of coverage and what coverage options might be included in the quote, it is impossible to make an apples-to-apples comparison with other companies. More detailed auto insurance quotes are likely available over the phone, or through an agent. Read about the best car insurance companies that sell online if you like comparing rates from the comfort of your couch.

What types of car policies does The General offer?

The General writes a lot of basic car policies, including liability-only. This is because their target markets are high-risk drivers who are generally in need of basic insurance coverage they can afford. Along with liability car insurance, they offer medical payment’s coverage, uninsured motorist coverage, and comprehensive and collision coverage.

Your driving record is the number one factor car insurance companies look at when determining rates. Standard companies may be less lenient when it comes to your driving history and charge more for car insurance.

Check out this table to see just how much impact one traffic ticket, accident, or DUI can have on your car insurance rates with standard car insurers.

Average Annual Car Insurance Rates Based on Driving History

Companies	Average Annual Rates with a Clean Record	Average Annual Rates with One Accident	Average Annual Rates with One DUI	Average Annual Rates with One Speeding Violation
	$1,933.68	$2,516.24	$3,506.03	$2,193.25
	$2,145.96	$3,192.77	$4,875.87	$2,645.43
	$2,693.61	$3,722.75	$4,330.24	$3,025.74
	$2,746.18	$3,396.95	$4,543.20	$3,113.68
	$2,821.18	$3,396.01	$3,636.80	$3,186.01
	$3,393.09	$4,777.04	$3,969.65	$4,002.28
	$3,447.69	$4,289.74	$5,741.40	$4,260.80
	$3,460.60	$4,518.73	$4,718.75	$4,079.01
	$3,819.90	$4,987.68	$6,260.73	$4,483.51
	$4,774.30	$6,204.78	$7,613.48	$5,701.26

If you have a clean driving record, you’ll pay about $260 a month for car insurance coverage. One accident will cause those rates to jump to around $340 a month. A DUI will skyrocket at that rate to an average of $410 a month for SR 22 coverage.

Driving safely will save you over a hundred dollars a month.

Your rates are affected by many factors, including age and where you live.

The General also offers full coverage policies with comprehensive and collision. There is very little detail on the website regarding policy options, and the company does not appear to offer much in the way of add-ons or added features.

The website also lacks information regarding available car insurance discounts, although it does state that there is a paid in full discount.

There is no sign of the more common trends in car insurance such as accident forgiveness, although again, that’s not surprising considering the target market for The General.

What is SR-22 insurance?

An SR-22 form may also be called a certificate of insurance or a financial responsibility filing. It is not a type of auto insurance policy, but it is simply a certificate filed by your insurance company to provide evidence that you are meeting your obligation to the state’s financial responsibility law.

When it comes to finding SR-22 insurance, drivers have options. Providers like The General offer tailored solutions, including the General SR-22 in Ohio. In states like Colorado, Idaho, Ohio, and Maine, where SR-22 filing may be necessary under specific circumstances, understanding the associated costs is crucial. For example, the average cost of SR-22 insurance in Colorado typically ranges from $25 to $50 for the filing fee, with potential monthly premium increases averaging between $20 to $40.

Whether it’s SR-22 insurance in Idaho, Maine, Ohio, or elsewhere, obtaining SR-22 insurance, including options like the General SR-22, is crucial for fulfilling legal obligations. Costs vary by location; in Colorado, for example, expect filing fees of $25 to $50 and potential monthly premium increases of $20 to $40 on average.

Is renters insurance available from The General?

The General offers renter’s insurance as a named perils policy – meaning it covers losses only from a specific list of causes.

Coverage includes personal property and liability, and there are optional riders available for high-value items and other options. Personal property coverage ranges from $15,000 to $100,000. Liability starts at $100,000. $1,000 in medical payments coverage is also included in the basic policy.

The company’s website does not state whether The General offers a bundling discount for auto and renters. Learn how to save money by bundling insurance policies when you talk with your agent.

How to Get an Insurance Quote From The General

You can get an insurance quote by visiting The General’s website. However, The General also has Facebook, Instagram, and Twitter accounts, so you can also reach out to them through their social media channels.

Claims Process at The General Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

The General Insurance Company offers multiple options for filing claims, ensuring convenience for their policyholders. You can file a claim through their website or mobile app, providing an online platform for quick and hassle-free claim submissions.

Additionally, The General provides a toll-free phone number (1-800-280-1466) for claims reporting, making it accessible for those who prefer to handle the process over the phone.

Average Claim Processing Time

While specific claim processing times may vary depending on the nature of the claim and individual circumstances, The General aims to expedite the claims process to provide prompt assistance to their policyholders. It is advisable to contact The General directly for information on their average claim processing times.

Customer Feedback on Claim Resolutions and Payouts

The satisfaction of policyholders with claim resolutions and payouts is a crucial aspect of any insurance company’s performance. The General Insurance has received mixed customer feedback in this regard. Some customers have reported positive experiences with smooth and efficient claim settlements.

However, others have expressed dissatisfaction with claim handling, citing delays and communication issues. It’s essential for potential policyholders to consider these reviews and conduct thorough research before making a decision.

Explore The General Insurance’s Digital and Technological Features

Mobile App Features and Functionality

The General offers a mobile app that provides policyholders with convenient access to various features and functionalities. While specific app features may vary, typical functionalities include the ability to file claims, view policy information, make payments, and access important documents.

The mobile app enhances policy management and ensures that customers can easily navigate their insurance needs from their smartphones.

Online Account Management Capabilities

Policyholders with General Insurance can manage their accounts online through the company’s website. This online account management platform allows customers to review policy details, update personal information, make payments, and track their insurance history.

The availability of these features simplifies the insurance management process, enabling customers to stay informed and in control of their policies.

Digital Tools and Resources

In addition to the mobile app and online account management capabilities, The General may offer various digital tools and resources to assist policyholders. These resources could include educational materials, insurance calculators, and coverage guides.

These digital tools aim to empower customers with the information and resources they need to make informed decisions about their insurance coverage.

Are there any consumer complaints against the company?

Is The General good to work with as a customer? The General car insurance reviews are mixed.

The General, under Permanent General Companies, Inc., is Better Business Bureau (BBB) accredited and has been since 2005. The BBB gives the company an A+ rating.

There have been a total of 209 complaints against the company in the past three years. This may seem a little high, but not alarming for a company of this size. There are no government actions or other major problems listed.

The General complaints encompass various aspects, including concerns about claims, billing, and customer service, despite its BBB accreditation and A+ rating. When it comes to car insurance, customer service ratings are very important.

ConsumerAffairs.com has a total of 245 reviews of The General, with 56-star ratings, all of which are one-star reviews. Most of the General insurance complaints are related to claims and billing issues, with many stating that the company is unresponsive and has poor customer service.

Is The General the same as Progressive?

No, but they do have a lot in common. Both companies have very distinctive and recognizable television and other advertising, well-known name recognition, favorable ratings, and low-cost policy options.

While The General focuses on non-standard insurance, Progressive Insurance targets a broader audience. However, both companies are worth looking at more closely as you shop around for an insurance policy and costs that are right for you. Additionally, individuals seeking specialized coverage, such as Progressive DUI insurance, can explore the company’s offerings tailored to specific needs.

Read our Progressive insurance review for more information on the company.

What is The General’s financial strength rating?

Reviews for the General insurance about their financial strength are promising.

The A.M. Best rating service gives Permanent General Assurance Companies, The General’s parent company, a grade of A/Excellent, indicating their opinion that the company has an excellent ability to meet their ongoing obligations.

For customers seeking reliable coverage, Permanent General auto insurance, offered by PGAC, may be a trustworthy option. For Permanent General insurance claims, policyholders can rely on efficient claims handling process to address their needs promptly and effectively.

A.M. Best additionally classifies PGAC’s financial outlook as stable.

Your Trusted Automotive Insurance Provider

The General Automobile Insurance Company Known for its affordable rates and excellent coverage options, the General automotive insurance has been serving customers for years. Whether you’re a new driver or have years of experience on the road, the General car auto insurance has policies tailored to fit your needs. With The General, you can drive with confidence knowing you’re protected on the road.

The General Car Insurance: The Bottom Line

The General does offer many benefits, such as affordable coverage for all types of drivers, but if you have a good driving history, you may find a wider range of car insurance elsewhere.

With a less than informative website, it is difficult to obtain a clear picture of what their products or services are or really cover.

It is also difficult to determine how competitive rates are, even for non-standard drivers. This is due to the fact that the quoting system provides no information regarding the coverage and limits being quoted.

Although the General car insurance quotes online may be difficult to get online, we can make it easy for you to compare quotes. Just enter your ZIP to get multiple car insurance quotes you can compare.