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The General Auto Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
auto-icon Auto
info iconOverall
81.25 out of 100
Productinfo icon
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to Renewinfo-icon

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

AM Best Financial Strength Ratings

October 31, 2019

auto-icon Auto 81.25 out of 100 Claims Processing 82.40 Customer Service 80.80 Value for
Website and Apps 80.63 % Who Would Recommend to a Friend 73% % Who Plan to Renew 84% A
info icon
AM Best Financial Strength RatingsOctober 31, 2019
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Reasons for Buying from The General

Customers of The General originally decided to purchase from the company for these reasons:
Offered best price32%
Recommended by friend or family member19%
Saw TV commercial19%
Saw online ad14%
Financial Strength rating4%
The company website and mobile apps are easy to use and helpful4%
Was the company my parents had2%
I had other insurance with this company0%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 42%
I probably would recommend this company. 31%
Neutral 13%
I probably would not recommend this company. 9%
I would not recommend this company. 5%

Would you renew?

Yes 84%
No 16%

Website and Apps

How easy to use and how helpful they are
Satisfied - Fulfills my needs okay.
Completely satisfied - Gives me what I want and more.
Neutral - No good or bad feelings on this.
Never visited or used website or mobile app.
Very unsatisfied - Their digital offerings are not good at all or nonexistent.
Not Satisfied - Is not a good website or app.

How You Prefer to Deal with Insurers

Interactive website
Mobile App
In person
User Review
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About The General

Types of auto coverage

  • Personal auto/Commercial auto
  • Motorcycle
  • RV
  • Boat/Personal Water Craft

Additional policies offered

  • Renters
  • Homeowners
  • Life
  • Health

Best Auto Insurance Companies 2020: How The General Auto Insurance Measures Up

The General placed nineteenth overall in the 2020 auto consumer survey with a score of 81.25.The General’s best showing was sixth place for price (81). It placed twentieth for claims service (82.4) and also last for customer service (80.8). The General came in nineteenth for usefulness of its website and apps, with a score of 80.63. Despite its rankings in individual categories, many people, 84%, said they planned to renew their coverage with the company, and 73% said they’d recommend it

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The General's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, The General (NAIC# 13703) had a complaint ratio of 1.98 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

You’ve probably seen the commercials...

In 1963, The General began selling insurance as Permanent General Agency, and in 1997, became known simply as The General. Compared to other insurers, that’s a relatively short history, but in that brief time, The General has earned a financial stability rating of “excellent” from A.M. Best and has successfully branded itself with fun – if not a bit goofy – television commercials and a memorable jingle.

Consider the General for a less-than-stellar driving record

The General is able to write policies for most drivers, including new drivers,  those with accidents, driving violations, gaps in coverage or lower credit scores, which makes it is a great option for those looking to reestablish insurance.

The insurer allows you to buy a policy if you have a suspended or revoked driver’s license, as long as you have been licensed at some point and have a driver’s license number to put on your application. The company is authorized to file an SR-22, a form for high-risk drivers submitted to your state’s DMV or traffic authority that shows you carry your state’s minimum liability requirements, in any state where you are applying for insurance.

The General tries to offer a low down-payment option for every policyholder and offers immediate proof of insurance once you have made your down payment and electronically signed your application.

Contact information

Corporate Headquarters

2636 Elm Hill Pike, Suite 510
Nashville, Tennessee 37214

Customer service: 866-519-7422

Claims: 800-280-1466

Coverage Options
Offers 12-month policies Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Multi-vehicle Icon
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.