LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Auto insurance review

The General Auto Insurance Review (2026)

The General earned 4.0 / 5 in our 2026 review. Best for: high-risk drivers, sr-22 filings. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,800 to $3,200
AM Best
A-
JD Power
Not rated
Bundling discount
N/A
States available
26 states
Good driver discount
N/A
Digital experience
Fair
Fintiex rating
4.0 / 5
Pros
  • +Accepts high-risk drivers including those with DUIs and multiple violations
  • +SR-22 filing assistance available
  • +No credit check required in most states
  • +Quick online quote process
  • +Flexible payment plans including monthly payments
Cons
  • -Premiums significantly higher than standard market
  • -Limited coverage options: primarily liability and minimum state
  • -Claims process is phone-only in most cases
  • -Digital experience is dated
  • -Not available in all states

Coverage available

Liability onlyMinimum state

The General writes the standard mix of auto policies. Most drivers will want full coverage (liability plus collision and comprehensive). Drivers with older paid-off cars may consider liability-only to save money, but only if you can afford to replace the vehicle out of pocket.

Best for

The General is the right pick if you prioritize high-risk drivers, sr-22 filings. The carrier scores especially well on claims service. If you do not match this profile, compare against the other top picks on our auto insurance hub.

Overview

The General is one of the well-known auto insurance carriers in the United States, with an AM Best financial strength rating of A-. The carrier is best known for high-risk drivers, sr-22 filings, with average annual premiums in the $1,800 to $3,200 range for full coverage on a typical 35-year-old driver with a clean record.

On the customer-experience side, The General scored not rated on the latest JD Power US Auto Insurance Study (1,000-point scale). That puts it below the industry average. The digital experience is rated fair, with a functional app and online portal for policy management, claims, and ID cards.

Bundling is a major lever: combining your auto policy with home or renters insurance can save about 0 percent on both policies. The General also offers a good driver discount of up to 0 percent for accident-free histories. Add in paperless billing, multi-vehicle, and safety feature discounts and the all-in savings can reach 30 to 40 percent off rack rate.

How to get a The General quote

Getting a quote from The General takes about 10 minutes online. You will need your driver license number, vehicle VIN, current insurance declarations page (if any), and an idea of the coverage limits you want. The carrier may also run a soft credit check in states where credit-based insurance scoring is allowed.

  • Visit the The General quote page and start the auto application
  • Enter ZIP code, driver and vehicle info, and prior insurance details
  • Select your coverage limits (we recommend at least 100/300/100 liability)
  • Review the quote, apply any discounts (good driver, bundling, paperless)
  • Bind the policy online or call to finalize with an agent
Start a The General quote

Frequently asked questions

Is The General a good auto insurance company?
The General earned 4.0 out of 5 in our 2026 review. It carries an AM Best rating of A-. Best for: high-risk drivers, sr-22 filings.
How much does The General auto insurance cost?
Average premiums range from $1,800 to $3,200 per year for full coverage. Your actual rate depends on driving record, vehicle, location, credit score, and coverage limits. Get a quote at The General to see your exact rate.
What discounts does The General offer?
The General offers a bundling discount of about 0 percent for combining auto with home or renters insurance. Additional discounts may apply for paperless billing, multi-vehicle, and safety features.
Is The General available in my state?
The General writes auto policies in 26 states. Check the quote tool for state availability.
How fast is the The General claims process?
The General accepts claims via phone. Most simple claims are settled within 7 to 14 days. Complex claims (totaled vehicles, injuries) can take 30 to 60 days.
Should I bundle The General auto with home insurance?
The General offers limited or no bundling discount in some states. Compare bundled price against two standalone quotes to be sure.

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Takes about 10 minutes. No commitment to bind.

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