Where is The General car insurance available?
The General offers car insurance in 47 states and Washington, D.C.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington, D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
- Works with high-risk drivers
- Offers low down payment insurance
- High complaint ratio of 4.69
- Limited coverage options
What does The General auto insurance cover?
The General offers all of the basic car insurance coverages that are required by law in each state where the carrier offers coverage, as well as comprehensive and collision for a full coverage policy. Optional coverages are limited to gap insurance, roadside assistance, and rental reimbursement.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Gap insurance
- Roadside assistance
- Rental reimbursement
How does The General rank?
The General has an AM Best financial strength rating of A+ (Superior) and a NAIC complaint ratio of 4.69, which is more than 4 times the expected level for its size. J.D. Power doesn't rank The General because it's a nonstandard insurer.
| AM Best | JD Power claims rating | NAIC |
|---|---|---|
| A+ | Not rated | 4.69 |
How much is The General auto insurance?
The General doesn’t provide rates to our data provider, Quadrant Information Services. As a result, we can’t compare the company on price. The carrier markets itself as a low-cost auto insurer for high-risk drivers, but rates vary based on factors like driving record and location. For an accurate quote, visit The General's website or contact a local agent.
The General auto insurance discounts
The General offers common car insurance discounts like previous insurance, good student, safety features, defensive driving course, safe driver and multi-car.
- Previous insurance: Lower rates if you have a policy in place when you switch.
- Good student: Full-time students can save with good grades
- Safety features: Passive restraints and other safety features reduce rates.
- Multi-car: Insuring more than one car earns a discount.
- Homeowner: If you own your home, you get a discount.
- Safe driver: Discounts for a clean driving record for three to five years.
- Paid-in-full. A discount for paying the full premium up front.
- Defensive driving course: After taking an approved defensive driver course, you'll get a discount.
The General high-risk driver coverage
The General specializes in car insurance for high-risk drivers who may have difficulty obtaining coverage with a standard insurer, including those with DUI or DWI convictions, SR-22 requirements, at-fault accidents, or insurance lapses.
- SR-22 filing: The General can file an SR-22 certificate of financial responsibility on your behalf if required by your state following a serious traffic violation or license suspension.
- DUI or DWI: The General offers coverage to drivers with a DUI or DWI conviction on their record, although the risk is reflected in higher premiums.
- Multiple at-fault accidents: Drivers with more than one at-fault accident can get coverage from The General if they've been turned down elsewhere.
- Coverage lapses: The General will insure drivers who have had lapses in their insurance coverage.
- Same-day coverage: A car insurance policy from The General can go into effect the day you purchase it.
- Low down payment: The General offers low down payment options for high-risk drivers, whose higher rates make it hard to get coverage started.
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