Ratings

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Overall Rating info icon info icon
3.0 ratings
Claims Processing
2.5 ratings
Customer Service
3.0 ratings
Value for Price
2.5 ratings
Website and Apps
3.5 ratings
% Who Would Recommend to a Friend
68%
% Who Plan to Renew
82%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
A

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

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.

Reasons for Buying

Customers of The General originally decided to purchase from the company for these reasons:
  • 35% Offered best price
  • 20% Saw TV commercial
  • 13% Reputation
  • 10% Recommended by friend or family member
  • 10% Saw online ad
  • 4% Financial strength rating
  • 3% I had other insurance with this company
  • 3% The company website and mobile apps are easy to use and helpful
  • 2% Was the company my parents had

How likely to recommend?

  • 35%I would probably recommend this company
  • 33%I would definitely recommend this company
  • 23%Neutral
  • 7%I would probably not recommend this company
  • 2%I would not recommend this company

Would you renew?

  • 82% Yes
  • 18% No

Ratings on Website & Apps

  • Fairly satisfied / Fulfills my needs OK 32%
  • Completely satisfied / Outstanding website & apps that give me what I need and more 27%
  • Average website and apps 15%
  • Unsatisfied / website and/or apps are not fulfilling my needs 13%
  • Very unsatisfied / digital offering is severely lacking 9%

How do you prefer to deal with insurer and policy?

  • Phone 26%
  • In person 25%
  • Interactive website 22%
  • Mobile App 16%
  • Email 11%
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Customer Complaint Ratio

info icon
( The General’s customer complaint ratio for Private Passenger Auto insurance is 0.51 )
0.51
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

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 2021: How The General compares

The General received an InsureScore of three out of five stars in our annual Best Car Insurance Companies review. Their highest-scoring categories were website & apps and customer service, while their lowest were claims and price.  

When we asked The General customers if they planned to renew their policies, 82% said yes and 68% said they’d recommend The General to a friend.

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.

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.
Discounts
Multi-vehicle Icon
Multi-vehicle
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.

In which states The General is available?

States in which The General is available
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

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