The General is a licensed car insurance agency based in Nashville, Tennessee. It&rsquo,s a subsidiary of PGC Holdings Corp. (PGC), and is known for offering auto insurance to high-risk drivers at competitive prices. Here are a few other key things to know about The General Insurance: 2.8 ,/ 5 rating from WalletHub editors4.0 / 5 average rating among users. ,Read reviews.A+ BBB ratingOffers auto insurance, home insurance, life insurance, and more ... show more
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The General Insurance Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/17/2026.
The General is rated 2.8/5 by WalletHub’s editors, based on customer reviews, sample quotes, and ratings from organizations such as Moody’s and the Better Business Bureau. The General’s reviews from consumers tend to focus on its relatively affordable prices, easy-to-use website and good customer service. Its NAIC rating is 5.59, however, which means The General has received more complaints than the average car insurance provider.
The General Insurance Ratings
Reviews on WalletHub:4.0/5
NAIC:5.59
AM Best: A+
BBB: A+ (accredited in 2005)
Moody’s:A2
The General Car Insurance Review Highlights
Rank — Second most expensive quartile among major car insurance companies in terms of price, according to WalletHub’s research. However, The General's customer base also skews toward being high-risk, which puts their average rates into more context.
Top Discounts — Defensive driving (up to 10%), driver training, transfer (from another insurer), good student, and military (Louisiana residents only).
Traditional Coverage Options — Bodily injury liability, property damage liability, uninsured/underinsured motorist, medical payments, personal injury protection, comprehensive, and collision.
Extra Coverage Options — Rental reimbursement, custom equipment protection, roadside assistance, and deductible waiver.
Other Specialty Auto Insurance — Non-owner policies, rideshare coverage, and Mexico auto insurance.
To help drivers better understand how much The General car insurance costs, WalletHub’s editors obtained sample auto insurance quotes from The General for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full review of The General.
The General Auto Insurance Quotes
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 ranks in the most expensive quartile among major insurers in WalletHub’s cost comparison.
Bottom Line: Is The General a Good Insurance Company?
Yes. The General is a good insurance company. Actually, to be specific, it’s a good insurance agency. The General sells auto insurance from other companies – Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, and The General Automobile Insurance Company, Inc. – so it’s technically an insurance agency not an insurance company. That won’t affect your bottom line, though.
What you really need to know is that The General is one of the best sources of auto insurance coverage for high-risk drivers with a history of accidents or driving violations. However, The General only offers auto insurance coverage, so customers don’t have the option to bundle multiple policies like with many other insurance providers.
Overall, WalletHub’s editors give The General a rating of 2.8/5. The General gets points for providing affordable auto policies to high-risk drivers, but it could improve its customer service and claims service. The General’s lackluster website also makes it hard to nail down coverage and discount details, and prospective customers must request a quote to learn more about their options. To learn more, check out WalletHub’s complete review of The General Insurance. You can also read some of the reviews from other drivers below.
Product: The General Insurance Car Insurance
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Erin F @erinbryanna15
The general is a scam. It’s takes people in with misinformation and made up laws.
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maggi madison @artemis0925
It’s 100% a scam! They’re the only “insurance” company that the policy only covers you in the state of purchase! I originally got a policy in Florida and moved to Alabama 40 miles north of the Florida state line and discovered that the $265/mo I’m paying them for PIP& Liability (was supposed to be full coverage) doesn’t cover me in Alabama at all. I sold P&C insurance for years and what they claim about different coverage minimums not following state to state is absolutely garbage! Minimum required coverage varies state to state yes but if you are licensed, registered and insured in your home state you 100% have coverage in the lower 48. I’m canceling their trash policy and going with someone else. Horrendous company and customer service! I thought Geico was bad, but they look golden by comparison to these scammers!
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The General Insurance
mrsdebarro47_ss @mrsdebarro47_ss
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3 Star Rating
I am VERY disappointed in the General Insurance. I previously had a SR22 bond which was over $200. My driving record is not bad. I had an accident unexpectedly. I purchased a 22 Ford Bronco. The General quoted me with the SR22 bond over $800+with full coverage. I almost said some unprofessional choice words when they quoted me their price. I am insured through ALLSTATE $350 A MONTH. SR22 included in that price. I am very disappointed.
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The General Insurance
Jason Pabon @pabon_jason74
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1 Star Rating
After my truck was totaled in an accident, I contacted The General multiple times to have the vehicle removed from my policy. Despite repeated requests and providing documentation showing I no longer possessed the truck, the vehicle remained on the policy for months and I continued being charged premiums for it.
When I later added a replacement vehicle, the issue still was not corrected, resulting in increased charges for coverage on both vehicles. I was eventually told my only options were to purchase a non-owner’s policy I did not want or cancel the policy altogether.
Although some adjustments were eventually made, The General still did not fully correct the billing issue as requested. My frustration is less about a mistake happening and more about the repeated failure to properly resolve it despite multiple calls and supporting documentation.
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The General Insurance
jennyelizabethmsawyer @jennyelizabethmsawyer
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1 Star Rating
This is by far the worst insurance company I've ever had. Communication is very difficult, and their rates keep going up - even though I'm considered a good driver and the last time I was in an accident was 1973. If I were Shaq, I'd seriously consider if I wanted to represent this company anymore. It sucks.
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The General Insurance
marie will @honest_reviewer
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1 Star Rating
The general is a joke, low ball you regarding your vehicle, then makes you pay first then reimburse you. In my area no one likes to deal with them. Never again lesson learned.
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The General Insurance
joan smith @mssjoansmith64
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1 Star Rating
One of the worst companies out there, getting business done via customer service is a hassle, and don't quit on them. It is a hassle to use their email service to get a refund. I requested it three times. I blocked them from my cards and banking information.
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The General Insurance
colleenjonesrobertson @colleenjonesrobertson
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1 Star Rating
They are horrible. I received a collection call about $30.50 that said my premium was not paid and I wasn't insured. I advised them I was never with their company and they are asking for my current insurance so that they can cancel a policy I never had, stating this is the policy to cancel an insured. I have never heard of this a day in my life. They even tried to say that my child was a driver when she doesn't even have a license. I don't recommend them to anyone; look elsewhere.
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The General Insurance
Bethany Masters @bladesqueen76
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4 Star Rating
Update: Initially, my experience with this company was very disappointing, and I left a negative review. However, after my feedback, they reached out promptly, addressed my concerns, and made things right. I appreciate their effort to turn the situation around.
A car swerved into my lane and hit me. It bent the passenger wheel, tie rod, and steering linkage, damaged the steering gear, the tire, bumper, bumper cover, and valance, made the ABS module go haywire, and set off the passenger airbag. I filed a claim with his insurance, The General, and was assigned a claims representative. She said it would likely be totaled and she'd send it to the adjusters.
No word for 3 weeks, despite calling every 2 days for an update. I left messages and she returned 2 of my calls. It was always just excuses. After 3 weeks, I got in touch with someone else. He apologized for the delay and said he would get on it. In 30 minutes, she called, said she'd get an update and call me right back, but didn't. I called 2 days later and she became very angry, raised her voice, and said it was my fault for not emailing her pictures. I reminded her I already had. When she looked, the pictures were there. I asked if we could escalate to management to get the adjusters moving and she became angrier. I called her boss and asked why I was expected to handle it myself, why I couldn't get information or responses, why it took so long to get my rental car, and why I was being treated so horribly when I'd been nothing but kind and polite. He said he would handle it, but he didn't. The next day, she emailed and said a check was issued to the shop to tear the car down to get more pictures. In 4 weeks, they hadn't even contacted the shop. Once they were in contact with the shop, the adjusters and claims representative were terribly rude, dismissive, and non-responsive to the shop. They fixed the car instead of totaling it, which was fine. But it took three and a half months to get the car back, and for 2 of those months, I had to figure out how to get back and forth to work. They refused to replace the ABS module or the bent wheel, so now I have to replace the module, and the vehicle wobbles because of the bent wheel. I didn't cause the accident and I absolutely did not deserve to be treated this way.
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The General Insurance
Scott Register @Sregister78
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1 Star Rating
NEVER USE THIS COMPANY! ESPECIALLY DO NOT SIGN UP FOR AUTO PAY! I was notified at the beginning of December that my car insurance policy had lapsed. I signed up with Geico, and on January 2nd, I was notified that I would be automatically charged on January 5th for a new policy, which I never signed up for, and that was almost double the price of my previous policy. It would be automatically taken out of my account, so I immediately contacted customer service and found out they had charged me in December without my consent for a new policy. Therefore, I had to cancel over the phone, and the agent was extremely difficult to deal with. When I asked him if he was 100% sure I would not be charged on January 5th, he said yes, and he confirmed that I was aware the policy was being canceled by reading a disclosure. However, on January 5th, I was charged AGAIN! When I called back, the lady told me the agent hadn't unenrolled me from autopay, so it didn't cancel, which was no surprise to me because I had a feeling the agent did that on purpose because he was so difficult to deal with. I was told my money would be refunded in 2-7 days, and I filed a complaint for the call to be reviewed. I was also told I would receive a call with their results. Now, 10 days later, I still haven't received my money or a call. It seems that when you cancel, they figure they are trained to take a few extra payments from you if you did autopay and to make you call 20 times to get it canceled. This is exactly why people don't enroll in autopay, not because they won't pay the bill, but because companies can intentionally take money from you, blame it on an error, and then fail to refund your money!
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The General Insurance
rickkasuda @rickkasuda
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1 Star Rating
No one should do business with this company. Their claims processing is slow, and they will not give you enough money to replace your vehicle if it's totaled in an accident. The claims processor simply stops taking your calls and forces you to return your rental car with no resolution, after offering a payout that is thousands of dollars below what is needed to purchase the exact same vehicle. The repair shops despise dealing with them, and some won't even look at your wrecked vehicle if you have your auto insurance with them.
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The General Insurance
Justin Bowyer @jkylebowyer
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1 Star Rating
I would give 0 stars, but it won't let me. I made my initial payment, and then two weeks later, while I was out of town, they sent another payment notice. I returned home on Saturday to a letter stating they were canceling my policy because I hadn't paid. That's just two weeks, and they canceled my policy around Christmas time. As a disabled veteran, I only receive my payment once a month, so I can't pay until the 1st. I'm on SR-22, and now I'm going to have my license suspended because they canceled my policy right at Christmas; they couldn't wait three more days. If this is how these people treat the men and women who served our country, then I'd advise all service members and veterans not to use their services. No one should use General; they are greedy and unscrupulous.
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The General Insurance
Mike Young @myoung4400
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1 Star Rating
Shaq, you need to find a new company to endorse as they are damaging your reputation. The General is the worst insurance company I've ever dealt with. The General's client collided with the back of my company vehicle, totaling it on June 10th, 2025, and I'm still trying to get compensated. Video footage captured the entire incident. The adjuster never visited, they billed the body shop for storage costs, let the vehicle sit for 120 days without any contact or returned calls, and then I had to pay $466 out of pocket to move the vehicle. I have incurred $22,000 in rental fees because I had to rent a 26ft truck to replace the one they totaled. I hired a lawyer to attempt to recover what is owed to me for an accident that occurred 170 days ago. They agreed to pay me $25,000 a month ago, and now they are giving me trouble about that payment by insisting that I acquire a salvage title, not them, before they will settle. The employees do not follow up; they are unproductive and indifferent about me, my company, or the General's reputation. Once this is resolved, it will have cost me approximately $20,000 for an accident that was not my fault and I will have to purchase a $100,000 truck to replace the one that was fully paid off. If The General were my only option, I would forgo insurance altogether. It's unfortunate that a zero-star rating isn't available.
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The General Insurance
Faith R @havfaithn76
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1 Star Rating
Someone with this cheap insurance company hit my car and claimed it was totaled by including amounts that should not have been part of the total damages. My insurance company and the repair service repeatedly communicated this to Wesley Suiter at 800-280-1466 ext 4352. Despite this, he insisted on exacerbating the situation by lying and being deceitful. He also denied providing me with a rental to get to work, even after it was proven that they should have. I hope the same negative energy is returned to them.
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The General Insurance
flint339 @flint339
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3 Star Rating
The cost of the insurance is way too high. I haven't had any tickets or accidents, and the cost of full coverage is insane through The General.
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The General Insurance
shanon shears @shanonshearssss
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2 Star Rating
Philip Martinez is the worst claims adjuster I have ever dealt with. In fact, we have had no dealings because he doesn't return calls, answer voicemails, and his email doesn't work. It has been a month and a half with no avail. This guy is terrible and makes the whole company look unprofessional.
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The General Insurance Q&A(115 questions)
Get answers to your questions about The General Insurance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The General has a rating of 2.8 out of 5 from WalletHub's editors, based on factors such as pricing, coverage options, customer reviews and watchdog-group ratings. For example, The General has a rating of [ct-General-AM-BEST] from AM Best, meaning it is financially strong and in a good position to pay out claims.
Yes, The General insurance rates are competitive for certain drivers, including seniors, teenagers, and college students. The General car insurance customers pay an average of $1,186 per year, which is more than the national average of $671 per year.
The General's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices...
The General is cheap because the company sells directly to consumers and keeps overhead costs low. Not having agents means there are no commissions to pay, and the company lowers operating costs by offering basic coverage options and limited customer support online. The General ranked 4th overall in WalletHub's cheap car insurance review, partly because it offers discounts for good students and military service members. Plus, The General rewards customer loyalty with discounts for insuring...
Yes, The General is a legitimate insurance company that offers auto insurance, home insurance, life insurance, commercial insurance, and more. The General sells policies in 47 states and has pretty good customer reviews on WalletHub, but it is more expensive than average. In addition, The General's reliability is in question due to its poor customer service record and low scores from insurance rating agencies.
The General insurance rates go up by an average of 32% after an accident. Even though an accident will cause The General to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your The General premium for just 3-5 years.
The exact amount that The General premiums go up after an accident depends on a few factors, including who was at fault,...
You can call The General at 1 (844) 328-0306. Customer service representatives are available Monday through Thursday from 7 a.m. to 9 p.m., Friday from 7 a.m. to 8 p.m., and Saturdays from 8 a.m. to 4 p.m. CT, and they can assist you with things like getting a quote, billing information or making changes to your policy. You can also contact The General by visiting The General's website and emailing customer service or visiting...
The General provides insurance to drivers who need SR-22 certification. Although high-risk insurance is often called “SR-22 insurance,” SR-22 is actually a form required by the state verifying that drivers with certain violations are carrying auto liability insurance. Some insurance companies will not insure these high-risk drivers.
The General sells SR-22 insurance, along with other types of policies, in most states. You can apply online or by calling (844) 328-0306. If you need an SR-22...
The General Insurance is a subsidiary of PGC Holdings Corp., which is owned by American Family. PGC Holdings Corp., which stands for Permanent General Companies, was purchased by American Family in 2012 for $239 million. However, The General is still maintained as a separate brand. The General specializes in insuring drivers who are considered high risk.
American Family Insurance was founded in 1927 and is headquartered in Madison, Wisconsin. It operates as a private mutual holding company...
Yes, The General's non-owner car insurance is worth it, considering its low price. Non-owner liability insurance from The General is cheap compared to collision or comprehensive coverage, which pay for damage to your car. The low cost makes non-owner insurance worth considering when you're between cars. Insurance companies don't like to see gaps in insurance and they often react with higher premiums. Buying inexpensive non-owner liability insurance keeps your coverage continuous. This can save you...
The General offers a roadside assistance plan that is administered by Nation Safe Drivers (NSD). This optional program provides 24/7 assistance for towing and other emergency services, such as battery service, fuel delivery and lock-out service. A 6-month plan costs $60 ($65 in California). A 12-month plan costs $120 ($125 in California).
To get help on the road any time, call dispatch services at 1-844-608-4726. Service is available 24/7 in the U.S. and Canada.
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