The General Insurance Review

  • With 2.1/5 stars in 2024, The General is a decent insurance company.
  • Read The General reviews, complaints and prices before you buy.
Location pin icon
No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

The General insurance: Ratings and reviews

2.1 100% filled Star icon 100% filled Star icon 10.000000000000009% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

The General, headquartered in Nashville, TN and founded in 1963, specializes in providing auto insurance for a wide range of drivers. 

The General is one of the best insurance options for high-risk drivers with tickets on their records — and may also be a solid choice for drivers with good driving histories — as the company's rates are known to be affordable and its payment plans are more flexible than most.

Our overview of The General's auto insurance coverage options, discounts and customer satisfaction below can help you decide if the company is right for you.

100% filled Star icon 100% filled Star icon 10.000000000000009% filled Star icon 0% filled Star icon 0% filled Star icon
2.1 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Get a Quote at The General
  • Has a long history of providing coverage for high-risk drivers

  • Favorable third-party ratings

  • Limited information on average premiums

  • Not many opportunities for customizable coverage

  • Higher-than-average complaint index

Is The General a good insurance company?

The majority of The Zebra's review incorporates how well The General scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

Trustpilot Reviews: 4.7/5

  • The General earned 4.7/5 stars from Trustpilot[1]

BBB Customer Reviews: 4.44/5

  • The General has a 4.44/5 rating from Better Business Bureau customers[2]

Complaint Index: Above average

  • The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for The General[3]

Financial Stability: Excellent/Good

  • The General received an Excellent/Good financial stability rating from A.M. Best[4]

The Zebra Customer Satisfaction Survey

Alongside third-party ratings, we like to include results from our own customer survey. Feedback from real customers indicated which auto insurance companies are the best in multiple categories. However, we did not collect a sufficient amount of data on The General for it to be included.

How much does The General insurance cost?

Information on The General average premiums is limited, which makes it harder to provide an accurate review and calculate a fair rating.

It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location and vehicle type. It's worth getting a quote on auto insurance in your area to see if The General can offer coverage within your budget.

Discounts offered

You should always look for ways to save money on your premium when shopping for new car insurance. Detailed below are some discounts offered by The General that may help you save on your insurance rate. Keep in mind that these may vary by state.

  • Double deductible: This will double your deductible for the first 45 days of your policy in exchange for a discount on your premium.
  • Multi-car: Insure multiple cars on one policy from The General to receive this discount.
  • Homeowners: Own a home? You might be eligible for auto insurance savings.
  • Good student: If you meet The General's academic requirements, the company will reward your efforts in school with a student discount.
  • Driver training: As long as the approved course was not court-ordered, you may qualify for this discount upon course completion.

Read more about The General's discount offerings here.

Search, compare and buy all on one site. Start saving today!

Location pin icon
No junk mail. No spam calls. Free quotes.

What types of coverage does The General offer?

Standard coverage options like collision, comprehensive coverage, and liability insurance — along with personal injury protection (PIP), uninsured motorist and medical payments coverage can be expected from The General. For the most part, this insurance company offers many of the traditional coverage options you can expect when you're looking for a new policy. Additional coverage options include: 

  • Custom equipment coverage: If your car has any enhancements or accessories that were not originally included by the manufacturer, like customized wheels, paint, spoilers, performance-related parts, trailer hitches and camper shells, this will cover damage to these parts within a $5,000 limit.
  • Roadside assistance: The General's roadside assistance plan is administered by Nation Safe Driver (NSD) and provides round-the-clock service and towing if your car has operational issues or breaks down on the side of the road.
  • Rental reimbursement: If you're involved in an accident and your car is out of commission while it's being repaired, The General will cover the expenses of a rental car up to the per day limit and specified number of days.

Read more about the specifics of The General's coverages here.

the general logo

Additional lines of insurance

The General offers several other lines of insurance that policyholders may bundle with their auto policies. These include:

The General insurance review: Summary

Because of the higher risks posed by The General's clientele, the company may not offer the most extensive coverage options and discounts. However, The General's coverages are sufficient and will cover your bases. Even if you have a good driving record and decent credit score, The Zebra considers The General worth looking into if you're shopping around for rates.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

The General insurance: Frequently asked questions

The General has a longstanding history of coverage and positive third-party ratings, despite several complaints to the NAIC. Their coverage, while not the most customizable, is usually affordably priced and one of the best options for drivers with tickets. We also recommend individuals with impeccable driving records and good credit consider The General when comparing rates.

Unless you are a high-risk driver, there are likely other insurance companies that will offer you cheaper rates. Always gather quotes from multiple insurers as your unique profile and chosen coverage may make your premium vary significantly from a company's average rates.

While The General is not rated by J.D. Power for claims satisfaction, A.M. Best does consider them financially stable and able to pay out claims. While The General receives positive feedback on Trustpilot and BBB, the NAIC notes an above-average number of complaints, though it's unclear if these are claim-related.

The General offers insurance to residents of AZ, CO, GA, IA, ID, IN, KS, MN, MO, ND, NV, OH, OK, OR, PA SC, SD, TN, TX, VA, WA and WI.

Get quotes from 100+ companies with The Zebra!

Location pin icon
No junk mail. No spam calls. Free quotes.

Customer Questions about The General

Other people are also asking...

Why did The General cancel my car insurance?

In many states, auto insurance companies like The General have up to 60 days from the start of a policy to cancel without providing any reason for doing so. In most cases, this has to do with potential fraud or some sort of inaccuracy on your application. It is extremely important to be open and ho…
Mar 25, 2017 Gonzales, TX

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.