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The General car insurance review

3.5 / 5 editorial rating

By the Five Star Insurance Reviews editorial team · Updated October 13, 2026

Quick take

Best for: Drivers who struggle to get standard coverage
Stands out: Focus on higher-risk and non-standard drivers
Keep in mind: Coverage options and service may be more limited

General overview based on published features. Coverage, discounts and availability vary by state; confirm details with The General. How we rate

At a glance

Sold through	Online and by phone, with limited in-person service
Where available	46 to 47 states and DC (sources differ)
AM Best rating	A+ (upgraded from A in 2025)
Usage-based program	Ask the carrier
Also worth knowing	Specializes in higher-risk drivers; SR-22 filings available in most states

Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.

What it does well

Focus on higher-risk and non-standard drivers
Fast online quotes

Watch out for

Coverage options and service may be more limited

Who it may suit

The General tends to suit drivers who struggle to get standard coverage.
Look at other carriers too if this worries you: coverage options and service may be more limited.

Before you buy: check these

Financial strength: Look up the insurer’s financial strength rating from agencies such as AM Best. It shows how likely the company is to pay claims.
Complaint history: Search your state department of insurance and the NAIC consumer insurance search for complaints about the company.
Claims and service: Read recent customer surveys, such as J.D. Power studies, and independent reviews, and ask people who have filed claims.
Coverage details: Compare the same limits and deductibles on every quote, and ask which discounts are applied.

Questions to ask before you buy

Which coverages and limits are included, and which are optional add-ons?
What deductible applies to collision and comprehensive?
Which discounts am I getting, and which could I still qualify for?
How does the price change at renewal, and what could raise it?
How do I file and track a claim?

Compare The General and other quotes

Keep comparing

FAQs

Is The General a good fit for me?

The General tends to suit drivers who struggle to get standard coverage. Your quote depends on your own profile, so compare at least three carriers before you decide.

Does The General have the cheapest rates?

No carrier is cheapest for everyone. Rates vary by driver, vehicle and location, so the only way to know is to compare quotes.

How do I get a The General quote?

You can request quotes from several carriers at once through our partner, or visit The General’s own website.

Where is The General available?

46 to 47 states and DC (sources differ). Availability can change, so confirm with the carrier.

How can I check The General’s financial strength and complaints?

Look up financial strength ratings from agencies such as AM Best, and search complaint history through your state department of insurance and the NAIC consumer insurance search. Do this before you buy.