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Last updated: December 9, 2022

The General Car Insurance Pricing

What you can expect to spend and save on car insurance with The General

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The General has been in business for almost 60 years, boasting an A rating from AM Best for its excellence in auto financial services. This car insurance company offers quality insurance at affordable rates. Take a look below to see how much you can expect to pay for auto insurance with The General, the discounts it offers, and the monthly and low down payment options available through the company.

Average Car Insurance Premium: The Cheapest Car Insurance?

The General auto insurance has flexible coverage plans for a variety of circumstances. The annual premium with this company costs an average of $2,418. Factors that affect The General’s pricing rates include credit score, driving violations, ZIP code, and any lapses in insurance. We’ve included the average costs of premiums for various circumstances to give you a better snapshot of what your rate may look like:

  • Minimum coverage: Choosing minimum coverage at The General will cost about $1,394 per year. The minimum coverage is what states require you to have legally.
  • Full coverage: The cost of having full coverage rises significantly, to an annual cost of $3,113 per policy.
  • Young adult drivers: Drivers in their 20s and younger typically pay significantly more for auto insurance than any other age group. The General’s annual cost for young adults is around $1,901.
  • Older drivers: Drivers between the ages of 55 to 65 pay an average of $970 per year for coverage.

Compare quotes from multiple providers to see your rates for car insurance coverage.

How You Can Save Money With The General Discounts

The more you can save on your total premium cost, the better for you. Auto insurance discounts are a great way to keep more money in your pocket since you can apply as many discounts as you qualify for per policy. Here is a list of discounts The General offers:

Discount type Qualifications
Good student Students with at least a B average at school may qualify.
Defensive driver You will need to take a defensive driving course.
Multi-car family You need to have more than one car on the same policy.
Safe driver You must have a clean driving record for at least three years.
Vehicle equipment Vehicles must be equipped with safety features such as anti-lock brakes, anti-theft devices, airbags, passive restraints, and daytime running lights.
Military This is for active duty, retired, or members of the National Guard. This discount is available in Louisiana only.
Recent auto insurance You need to have had any auto insurance for the last five years.
Pay in full You may qualify for a discount if you pay your annual or semiannual policy in one payment.
Motor Club Members of the Motor Club roadside assistance may be eligible for a discount.
Transfer discount If you switch your insurance over from another insurance carrier, you may qualify for a discount.
Double deductible You pay double the deductible requirement for the first 45 days of coverage.


Only some discounts may apply in some states. Make sure to speak to your local agent for the most up-to-date information regarding discounts in your state and local area.

Favorite Features

Customer Service

The General auto insurance has an A+ rating from the Better Business Bureau (BBB).1 Customers give the company a rating of 4.68 out of five stars in the reviews section. It’s no surprise customers love The General with its user-friendly and fast online service.

Mobile App

The General has a mobile app you can use that includes the following conveniences:

  • Make a payment: The mobile app makes it easy to pay your bill from anywhere at any time.
  • Manage your policy: View your latest policy information and manage your plan preferences with the touch of a screen.
  • Submit a claim: You can turn in a claim through the mobile app.
  • Digital proof of insurance: You no longer have to worry if you don’t have physical proof of insurance on you; through the app, you can pull up your policy digitally.
  • Fast quote access: Considering changing your plan? The mobile app offers quick quote access to show you different policy options.2

24/7 Claims Service

Since accidents can happen at any time, it’s essential for auto insurance companies to let you file a claim during nontraditional hours.3 In the unfortunate case you are in an accident, The General has 24/7 claims service so that you can start the claims process immediately. You can file a claim through the following ways:

  • Through the mobile app
  • Via phone 24 hours a day, seven days a week at 800-280-1466.

If you have any questions or need to send documentation for your claim, email, fax 800-544-9021, or send mail to:

  • Claims Department Information
  • 6000 American Parkway
  • Madison, WI 53783-0001

Include your claim number on all documentation or correspondence.

Affordable Insurance Options for High-Risk Drivers

Suppose you have traffic violations or accidents on your driving record. In that case, auto insurance companies will consider you high risk.

If you have received more than three speeding tickets or violations in the past five years, anticipate higher rates. In some states, having even one speeding ticket on your record can raise your rates. Many auto insurance companies offer policies at a higher cost for drivers with a bad driving record, making it even more difficult for these drivers to get affordable auto coverage.

The General offers low down payments and various coverage options for those with a less-than-perfect driving record. The company takes pride in catering to the needs of drivers that other auto insurance companies may have turned down.

SR-22 Certificate

Drivers with serious driving violations, such as a DUI or DWI, leaving the scene of an accident that resulted in injury or death, having a suspended or revoked license, and other severe violations, may be required by law to have an SR-22 certificate. An SR-22 shows proof to the DMV that you have at least the minimum liability insurance coverage the law requires. This requirement usually lasts for several years.

Many car insurance agencies would rather not deal with complicated cases like revoked licenses, DUIs, or DWIs, and do not offer SR-22 certificates. However, The General welcomes drivers with various driving backgrounds and offers SR-22 certification.


While an auto insurance policy is a contract that protects you financially against damages or injuries, an SR-22 is verification or proof filed with your state showing that you have your state’s minimum auto insurance required.

Flexible Monthly Payments

The General understands that payday does not fall on the same date for everyone. That’s why it offers flexible monthly payment plans where you can choose your due date.


The General is available in 46 states and the District of Columbia. However, it is not available in:

  • Alaska
  • Hawaii
  • Maryland
  • Michigan

Coverage may vary in large cities, such as Miami and New York City.

Cancellation Policy

Unforeseen circumstances sometimes arise, and you may need to cancel your auto insurance policy. With The General, you can cancel your auto insurance at any time. However, keep in mind that depending on the state you live in, if you cancel mid-policy, you may face a cancellation fee of around 10 percent of your remaining premium.

Make sure to read your policy beforehand and ask your insurance agent, since this penalty varies by state. Also, if you already paid off your policy, you will receive a refund for the unused premium amount minus the cancellation fee (if applicable).

In the case you need to cancel your policy, The General will require that you submit a written cancellation request to its headquarters. Send a written request for cancellation to:

  • The General
  • 2636 Elm Hill Pike, Suite 100
  • Nashville, TN 37214

Make sure to include your policy number to avoid any delays.

Company Background

The General has been serving drivers with auto insurance coverage since 1963. The company first operated under the name Permanent General Agency. Since 1997, the company has offered insurance under the title The General. It is a subsidiary of PGC Holdings Corp., an affiliate of American Family Insurance.

The General also offers online auto insurance underwritten by the following companies:

  • Permanent General Assurance Corporation
  • Permanent General Assurance Corporation of Ohio
  • The General Automobile Insurance Company, Inc

These companies have a perfect rating or a grade of A from AM Best, the largest credit rating agency in the world that specializes in the insurance industry, for its excellence in financial stability and quality services.

The General has its headquarters in Nashville, Tennessee, with regional call centers in Louisiana, Ohio, and Arizona. In the last several years, The General has also grown to offer more than auto insurance coverage. In addition to auto insurance, The General offers motorcycle, renters, commercial, homeowner, life, health, boat, phone, and pet insurance.

The General Contact Information

Contact method Customer service/claims
Phone 800-280-1466
Fax 800-544-9021
Mailing address 6000 American Parkway

Madison, WI 53783-0001


If you live in the state of Louisiana, you can visit one of The General’s 17 office locations. Take a look at to find the nearest location.


The General takes pride in accepting drivers with all types of driving records. This is what separates it from other traditional auto insurance companies. If you would like to know more about auto insurance coverage in general, read our guide to the best auto insurance or keep reading the FAQs below.

Frequently Asked Questions

Does The General allow me to make changes to my policy?

  1. Call 800-280-1466 to speak to a Customer Experience Specialist.
  2. Or, if you want to make changes online, go to:
  3. Go to Make Policy Changes, located under the welcome menu.
  4. Enter the effective endorsement date.
  5. Click on the Begin Quote option to see the car insurance quote (cost of car insurance) for your new policy.
  6. Choose the tab that states the change you would like to make.
  7. Click on the Edit button.
  8. Click on the Get Updated Premium Quote button.
  9. If everything looks correct, click the Submit Changes button.

If I can’t meet my monthly payment, does The General allow me to pay less than the amount due?

If you are having trouble meeting your monthly payment, you may qualify to pay less than the amount due. Contact a customer service representative for assistance with approval and amount requirements.

Does The General cover the costs of a rental car if my car is in the shop for repairs after an accident?

It depends. In order to determine if your policy will cover rental car costs due to an accident, you will need to reach out to the customer service department at 800-280-1466. If you have already rented a vehicle due to an accident, you will need to communicate with your claims adjuster to see whether the company will reimburse your costs.

What types of auto coverage does The General offer?

  • Liability
  • Collision
  • Comprehensive
  • Gap
  • Income loss
  • Accidental death


  1. The General Insurance. Better Business Bureau. (2022).

  2. The General App. The General. (2022).

  3. Fatality and Injury Reporting System Tool (FIRST). National Highway Traffic Safety Administration. (2022).