The General Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's The General Score
3.5 Stars
The General is a licensed insurance agency that is a subsidiary of PGC Holdings Corp. (PGC), which is an affiliate of Sentry Insurance. Through its insurance company subsidiaries and their predecessors, PGC has been writing automobile insurance for over 50 years.
Today, The General still focuses its efforts on providing high-risk auto insurance solutions for drivers in need. Coverage is offered in all 50 states.
Thanks to its wide reach and financial strength, The General has earned a reputation as a stable insurance company with a positive outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives The General an “A” rating, indicating the carrier is an excellent choice for insurance customers. High ratings from AM Best assure customers that The General can offer guaranteed, secure coverage from a financially sound carrier.
We award The General a final rating of 3.4 out of 5 stars. The insurance company has been around for more 50 years and focuses only on high-risk car insurance. It has received high ratings from AM Best, and is accredited by and rated A+ by the Better Business Bureau. The insurance company provides 24/7 claims reporting via phone or mobile app, and online bill pay. It's a great insurance company for drivers who fit the company's appetite, but it's not for everybody.
Talk to a local independent insurance agent about whether The General is the right choice for your car insurance needs.
The General Pros and Cons
If you're considering The General as your auto insurance carrier, be sure to review the following pros and cons.
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The General Products
The General is a specialized insurance company, with a focus on coverage for high-risk auto insurance. The carrier offers the following insurance products.
The General's website redirects visitors to the carrier's partners for other insurance products like homeowners insurance, renters insurance, life insurance, and more. Your independent insurance agent can help you find more information about the coverage offered by The General, and help you decide if this insurance company is right for you.
The General Personal Auto Insurance
The General is a nonstandard carrier that offers auto coverage for high-risk drivers. While the rates can be more affordable for these drivers than many standard carriers, The General does not offer all of the coverage options that you'll find elsewhere. The General offers:
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Gap insurance
- Roadside assistance
The General personal auto insurance average prices
We found the average annual auto insurance costs from The General.
| Car Insurance Policy Type | Average Annual Car Insurance Cost |
|---|---|
| Minimum coverage | $1,294 |
| Full coverage | $2,567 |
What Discounts Does The General Offer?
The General makes information about its specific discounts readily available online. These discounts include the following.
- Airbag discount: This discount is offered to customers who have factory installed airbags on their vehicle.
- Anti-lock discount: This discount is offered to customers who has a vehicle equipped with anti-lock brakes.
- Driving training discount: This discount is offered to customers who complete an approved driver course.
- Good student discount: This discount is offered to students with good grades.
- Homeowner discount: This discount is offered for auto insurance to customers who own a home.
- Military discount: This discount is offered to active military personnel serving full time in the Army, Navy, Marine Corps, Air Force, a Reserve Corp/National Guard, or Coast Guard.
- Multi-car discount: This discount is offered to customers who insure more than one vehicle on their policy.
- Pay in full discount: This discount is offered to customers who pay their policy premium in full.
- Select driver discount: This discount is available to customers who have more than one driver listed on their insurance policy. To be eligible, each driver must have at least five years driving experience and a clean driving record for the last three years.
- Transfer discount: This discount is offered to customers who have continually maintained auto insurance with another company for the past six months.
An independent insurance agent can provide better discount information and help you get quotes for auto insurance from The General.
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The General Customer Service
The General offers 24/7 phone or mobile app claims reporting for its policyholders. The carrier also provides the following customer service options.
- Customer service available by phone, email, fax, or regular mail
- Online bill pay and account management
- Online quotes
- Claims reporting 24/7; check on existing claims Monday - Friday, 8:00 am to 5:00 pm CST
- Customer service available by phone at the following hours:
| Days | Hours (CST) | ||
| Monday-Thursday | 7:00 am to 9:00 pm | ||
| Friday | 7:00 am to 8:00 pm | ||
| Saturday | 8:00 am to 4:00 pm |
The best way to ensure a great customer service experience is to work with an independent insurance agent.
The General FAQs
The General does not provide an official claims response time frame promise. The length of the process usually depends upon the complexity of the claim. The General does encourage customers to file claims as soon as it’s safe to do so.
The General allows customers to file claims over the phone 24/7 or by mobile app. Customer service is available by phone Monday - Saturday for extended hours. The carrier’s social media presence extends across Facebook, X, Instagram, and LinkedIn, which makes it more accessible to customers.
The General offers a couple of options for claims reporting. However, the insurance company does not offer a lot of information about the claims process on its public website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier via phone or mobile app, or get in touch with their independent insurance agent.
The General’s public website could use an update. The carrier does not provide much information about its coverage options or claims process. Online bill pay is available, as is 24/7 claims reporting via phone or mobile app, which are nice, modern customer service features. So, while The General is not terrible in terms of user-friendliness, it could modernize its existing features and add to them.
https://www.thegeneral.com
https://www.bankrate.com/insurance/reviews/the-general/
https://www.bbb.org/us/tn/nashville/profile/auto-insurance/the-general-insurance-0573-10965