The General Reviews, Coverage Options, and Ratings in 2019

The Zebra
June 7, 2019

The General Auto Insurance Reviews, Coverage Options, and Ratings for 2019


Headquartered in Nashville, TN, and founded in 1963, The General is owned by American Family and specializes in providing auto insurance for high-risk drivers who may have less-than-perfect driving histories and credit scores, and have trouble obtaining insurance elsewhere. Nonetheless, The General may be a great option for drivers with good driving histories, as the company offers competitive rates. Depending on your circumstances, The General might be a suitable and affordable option for a new policy. Our overview of their coverage options, discounts, and claims satisfaction below can help you decide if The General has what you're looking for.

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JD Power Rating — Not Rated

Financial strength — Excellent: The General's excellent financial strength indicates a reliable ability to pay out claims.

NAIC Rating — Below Average: The National Association of Insurance Commissioners received more complaints than average regarding The General in 2018.

The General car insurance coverage options

Standard coverage options like collision, comprehensive, and liability — along with personal injury protection (PIP), uninsured and underinsured 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.

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 24/7

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.

Towing and labor

This optional coverage pays for the cost of towing if your car breaks down. You can choose the limit that The General will cover per occurrence.


When you get a quote from The General, their application inquires whether you'll need a SR-22 form. If your state requires one, The General will file this form on your behalf.

The General insurance discounts and reward programs

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. Keep in mind that these may vary by state.

Discounts based on your policy
  • Double deductible: This will double your deductible for the first 45 days of your policy in exchange for a discount on your premium.
  • Pay in full: You may be eligible for a discount if you pay in full for your policy.
  • New customer: If you switch to The General after having insurance elsewhere for the past five years, you might qualify for some savings.

Discounts based on the driver or vehicle
  • 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.
  • Military: If you're active duty and based in Louisiana, you may be eligible for a military discount.
  • 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.

Additional lines of insurance

The General only offers auto insurance at this time.

Is The General car insurance right for you?

If you have past infractions, like at-fault accidents, DUIs, and moving violations, The General offers affordable coverage with decent rates and lower down payments considering a bumpy driving history will typically increase your premium and make car insurance more expensive overall. But even if you have a good driving record and decent credit score, it's worth looking into The General if you're shopping around for rates.

Because of the higher risks posed by The General's clientele, the company may not offer extensive coverage options and discounts. However, The General's coverage is affordable and will cover your bases via comprehensive and collision coverage. We can help you find the best rate by helping you compare quotes — enter your ZIP code below to see quotes from The General and more.

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