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The General Insurance Review 2020

Jan. 2, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

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  • The General has far more complaints than expected for auto insurance, relative to its size.
  • Provides car insurance for high-risk drivers.
  • Issues SR-22 forms in most states.

Anyone can get car insurance from The General, but it’s best suited to those who need proof of insurance quickly or who have poor credit or a bad driving record, which could include at-fault crashes, moving violations or a lack of continuous auto insurance coverage.

The General auto insurance

3.0 NerdWallet rating

The General auto insurance earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

A quote from The General includes the minimum level of car insurance required to drive legally in your state. In many states, this means only liability insurance. In some states, additional coverage such as personal injury protection and uninsured motorist insurance is required.

The General doesn’t include much information about optional coverage on its website. You’ll likely have to get a quote to find out those details.

Double deductible is an optional discount that doubles your deductible for comprehensive and collision coverage, if you purchase it, for the first 45 days of your policy. You can only do it once, when you purchase your policy, and the discount may not be available in some states.

SR-22 insurance forms: The General can provide an SR-22, a document that proves you have sufficient car insurance. Your state might require you to file one if you’ve been convicted of a DUI or another serious traffic offense, such as driving without insurance, or if your license recently was suspended or revoked.

» MORE: Compare car insurance rates

The General auto insurance discounts:

  • Good student discount.
  • Driver training discount.
  • Military discount (Louisiana only).
  • Discount if you’ve maintained auto insurance with another company for the past 6 months and transfer to The General.

» MORE: Compare car insurance rates

The General’s complaints

The General had far more than the expected number of complaints to state regulators for auto insurance relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about The General

Website: The General’s Manage MyPolicy platform allows customers to manage basic aspects of their policies online, including:

  • Making payments.
  • Getting an auto insurance ID card.
  • Making policy changes.
  • Viewing policy documents.

The General’s mobile app offers the same functions as the MyPolicy platform, plus on-demand phone support and the ability to file a claim.

Other insurance: The General provides only auto insurance. If you start a quote on its site for another type of insurance, you’ll be directed to one of its partners or another quote tool.

Recap: The General pros and cons

Provides insurance to high-risk drivers who may not be able to get it anywhere elseFar more than the expected number of complaints for auto insurance
Can file an SR-22 form for drivers who require itDrivers who aren’t considered high-risk will likely have a better experience with other carriers
Offers few discounts and policy options

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, website transparency and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home and life insurance.

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