- Affordable option for high-risk drivers who struggle to buy coverage elsewhere.
- Online claims filing by mobile app.
- Limited coverage options.
- Complaints about customer service, confusing website, and claims service.
- Few discounts.
The General Review Summary
The General is a below average insurance company overall, earning a 2.3/5 rating from WalletHub and a rating of A+ from the Better Business Bureau (BBB), which accredited The General in 2005. The General also happens to be one of the best auto insurance companies for drivers with a history of traffic violations and accidents. Known for competitive rates, it simply does not offer as many coverage options as its better-known competitors, many of which also have more favorable customer reviews.
In the sections below, you can learn more about The General’s auto insurance coverage options and discounts, as well as how the company measures up against top competitors and what customers are saying about it.
Summary: The General Scores by Review Category
Now that you’re familiar with The General’s scores in each of our review categories, let’s see how the company compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.
The General Car Insurance Pricing
Category Rating: 0% (0 out of 30)
|Driver Profile||Average Quote|
|18-Year-Old||$271 per month|
|21-Year-Old||$183 per month|
|45-Year-Old||$99 per month|
|45-Year-Old with a Speeding Ticket||$99 per month|
|45-Year-Old with DUI||$114 per month|
|55-Year-Old||$102 per month|
|65-Year-Old||$120 per month|
The General received a score of 0/30 in the cost portion of this review, as its premiums rank in the lowest quartile among cheapest major car insurance providers that WalletHub evaluated. Learn more about WalletHub’s Methodology.
The General Customer Service & Reviews
Category Rating: 50% (15 out of 25)
- WalletHub: 4.2/5
- NAIC: 3.28
- BBB: A+
Customer reviews for The General focus largely on courteous customer service and low prices. However, there are some complaints highlighting problems getting claims processed and the fact that it’s difficult to find information on the company’s website.
The General’s Financial Stability
Category Rating: 100% (6 out of 6)
- AM Best: A
- Moody’s: A2
The General earned top marks from Moody’s and AM Best for their financial strength and claims-paying ability. Knowing that an insurance company has the financial wherewithal to pay out claims should remove at least a measure of doubt from consumers’ minds.
The General’s Claims Process
Category Rating: 100% (15 out of 15)
With The General, you can file a claim anytime over the phone by calling the company’s 24/7 claims support line at 800-280-1466, and selecting option #3. You can also file a claim through The General’s mobile app around the clock. As a result, it earned a perfect score in this category.
Types of Insurance Offered by The General
Category Rating: 40% (2 out of 5)
- Auto insurance
- Boat/PWC insurance
- Commercial Auto insurance
- Health insurance
- Homeowners insurance
- Life insurance
- Motor home insurance
- Motorcycle insurance
- Pet insurance
- Phone insurance
- Renters insurance
- Travel Trailer insurance
The General specializes in auto insurance, offering all the major coverage options required by states, including bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, and comprehensive. However, The General only offers auto insurance, and the lack of other options earned it a low score in this category.
The narrow focus on auto insurance means customers don’t have the option to bundle policies, like they do with many of The General’s top competitors. Nevertheless, there is some variety among the coverage options that The General offers, including the types of vehicles you can cover.
Supplemental Car Insurance Coverage From The General:
- Emergency Road Service: Covers the cost of towing, battery service, lockout service, and fuel delivery. Policyholders must have comprehensive and collision policy to purchase this add-on.
- Rental Reimbursement: Covers the cost of a rental car if your vehicle is in the shop for repairs after an accident. Policyholders must have comprehensive or collision coverage in order to purchase this add-on. The rental limit is $30/day for up to 30 days.
- Custom Equipment: Covers the cost of custom sound systems, wheels, headlights, etc., if they are damaged in an accident. Policyholders must have comprehensive and collision coverage to purchase this add-on.
- Deductible Waiver: Safety Equipment/Glass: Waives your deductible when you file a claim for broken vehicle equipment. Policyholders must be residents of Arizona or Connecticut and have both comprehensive and collision coverage to purchase this add-on.
Specialty Types of Car Insurance Policies From The General:
- Commercial Auto Insurance for individuals who use their vehicles for business purposes, including ridesharing services. This specialty auto policy is not prominently advertised on the company’s website, and there is not much policy information beyond a general description – requiring prospective customers to contact an agent for more details.
- Mexico Tourist Auto Insurance for individuals who need to purchase liability and other coverage options for driving in Mexico. The General offers this policy through a third-party provider, the International Insurance Group.
The availability and details of these coverage options from The General vary by state.
The General Insurance Discounts
Category Rating: 10% ( 1 out of 5)
- Good student discount
- Driving training discount
- Military discount
- Safe driver discount
- Transfer discount
- Double-deductible discount
The General offers several generous discounts, but its list of options is shorter than what many of its top competitors have available. However, keep in mind that the availability, eligibility requirements, and other details for these discounts vary by state.
The General’s Transparency
Category Rating: 60% (3 out of 5)
It’s fairly difficult to find key information on The General’s website, so the company got few points in the transparency department. The General’s lackluster website makes it particularly hard to nail down coverage and discount details, and prospective customers must request a quote to learn more about their options.
The General is a good insurance company for drivers considered “high risk.” Auto insurance is the only kind of policy available from The General, however, which means customers can’t take advantage of discounts for bundling different types of insurance.
The General received average scores in terms of customer service, and it could work on improving its financial stability and transparency online. Nevertheless, you can easily file claims through The General’s mobile app, and it has 24/7 claims support by phone, so you can always get the help you need with your auto insurance policy. And at the end of the day, the fact that The General offers affordable rates to cover people with less-than-perfect driving records is what really makes this insurance company stand out.
The General Car Insurance vs. Competitors
|Insurer||The General||Geico||Mercury||State Farm|
|Average Premium*||$2,408 per year||$1,034 per year||$1,868 per year||$881 per year|
|Number of Car Insurance Discounts||N/A||17||9||16|
|Offers Home Insurance||Yes||Yes||Yes||Yes|
|Complaints Score (lower is best)||3.28||1.23||2.51||1.18|
*Complaints Score represents the company's overall NAIC rating. Car insurance-specific rating may differ.
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare. Learn more about how these rates were calculated in the methodology section below.
For more car insurance research, check out WalletHub’s Cheap Car Insurance Study. And if you have experience with The General’s auto coverage that you think might help other consumers, you can write a review of The General, too.
The General Insurance Review Video
In order to provide fair, helpful reviews of insurance companies such as The General that can lead consumers to the best insurance coverage for their needs, WalletHub rates each insurance company in seven major categories: Cost, Insurance Types, Customer Service & Reviews, Discounts, Claims, Financial Stability and Transparency. Below, you can find an overview of what each section in our scoring rubric entails.
- The “Cost” section includes information about how expensive the insurance policies are. The General’s average premiums and quartile rankings are based on data from New York, one of the largest states The General operates in. Rate information is provided by Quadrant Information Services. Individual rates will be different.
- The “Insurance Types” section examines what types of insurance policies the company offers.
- The “Customer Service & Reviews” section measures the insurance company’s reputation as well user reviews and information from watchdog organizations.
- The “Discounts” section examines how many and what types of discounts the company offers. It also takes into consideration whether or not there are discounts for bundling policies.
- The “Claims” section examines the ways in which customers can make claims with the policy. It considers whether or not customers can make claims by phone or online, as well as whether or not the company has a 24/7 support line.
- The “Financial Stability” section considers the company’s status with credit rating agencies A.M. Best, S&P and Moody’s.
- The “Transparency” section measures how clearly the insurer discloses key information on its website.
The final score takes these seven categories into account and reflects how close an insurance company is to WalletHub’s definition of a 5-star insurer. For more information, please read WalletHub’s full insurance company methodology.