The General Car Insurance Pricing 2024

The General auto insurance has flexible coverage plans for a variety of circumstances, including high-risk drivers. The annual premium with this company costs an average of $2,390. This is around $460 more per year than the national annual average of $1,924. However, considering the fact that high-risk drivers pay more for auto insurance, you may find The General’s rates competitive.

Factors that affect The General’s pricing rates include credit score, driving violations, ZIP code, and any lapses in insurance.  We recommend comparing quotes from multiple providers to find the cheapest and most accurate auto insurance rates.

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. The General’s discounts vary by state, and include:

Though not technically a discount, adding your teen as a secondary or occasional driver to your policy if they infrequently use your car can qualify you for lower premiums.

Affordable Insurance Options for High-Risk Drivers

One of The General’s more unique offerings is its 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.

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.

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.

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, as well as in New Jersey.

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.

If you are canceling for one of the following reasons, you can call The General to discuss the options they have available:

• Relocating to a different state
• No longer driving
• Found cheaper rates with a different carrier
• Dissatisfaction with the company
• Cannot make the full payment

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.

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/PWC, motorhome, Mexico travel, and pet insurance.

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. To learn more, check out our in-depth review of The General.