Introduction: Why The General Car Insurance Still Matters in 2025
In today’s fast-moving world, car insurance is no longer just a legal requirement—it’s a crucial financial tool that protects drivers against the unexpected. With rising inflation and unpredictable road conditions, affordable and reliable car insurance has never been more essential. Among the many providers out there, The General Car Insurance continues to stand out, especially for high-risk drivers, budget-conscious customers, and those needing flexible coverage.
This article explores everything you need to know about The General Car Insurance in 2025—from policy options and pricing to customer service and claims. Whether you’re a first-time driver or looking to switch insurers, this guide will help you decide if The General is the right fit for you.
What Is The General Car Insurance?
The General Automobile Insurance Services, Inc., commonly known as The General, is a licensed insurance agency that has been serving customers across the U.S. since 1963. It specializes in providing coverage for drivers who may find it difficult to get insured elsewhere—such as those with a poor driving record, no prior insurance, or low credit scores.
Key Features:
- Tailored for high-risk drivers
- Fast online quotes and sign-up
- Coverage in most U.S. states
- Backed by American Family Insurance
- General Car Insurance
Who Should Consider The General Car Insurance?
1. High-Risk Drivers
The General is well-known for covering drivers who might be turned down by traditional insurance companies. These include individuals with:
- Multiple traffic violations
- DUI or DWI records
- Lapses in previous coverage
- Poor credit history
2. Budget-Conscious Shoppers
Affordability is another core benefit. The General provides flexible payment plans and competitive premiums—especially useful for younger drivers or those living paycheck to paycheck.
3. People Needing SR-22 Forms
If your state requires an SR-22 form as proof of insurance (often due to a DUI or serious traffic offense), The General can help you file it quickly and efficiently.
What Types of Coverage Does The General Offer?
While The General targets high-risk drivers, it doesn’t skimp on policy variety. Here’s a breakdown of standard offerings:
1. Liability Coverage
Required in most states, this includes:
- Bodily Injury Liability: Covers injuries to others in an accident.
- Property Damage Liability: Covers damage to others’ property.
2. Collision Coverage
Pays for damage to your vehicle in case of an accident, regardless of who’s at fault.
3. Comprehensive Coverage
Covers non-collision incidents like:
- Theft
- Vandalism
- Natural disasters (e.g., floods, hail)
4. Uninsured/Underinsured Motorist
Protects you if the at-fault driver lacks adequate insurance.
5. Medical Payments/Personal Injury Protection (PIP)
Helps cover medical bills for you and your passengers.
How Much Does The General Car Insurance Cost?
Pricing varies based on several factors including your location, driving history, vehicle type, and chosen coverage. However, here’s a general snapshot:
| Driver Profile | Monthly Premium Estimate |
|---|---|
| Clean driving record | $75–$110 |
| Minor infractions | $100–$160 |
| DUI/DWI record | $150–$250 |
Real-Life Example:
John, a 28-year-old from Texas with two speeding tickets, was quoted $135/month for basic coverage from The General—about 20% cheaper than his previous provider.
Tips to Lower Your Premium:
- Take a defensive driving course
- Opt for a higher deductible
- Bundle with renters or home insurance
- Install a vehicle anti-theft device
How to Get a Quote from The General
Getting a quote is straightforward. Here’s how:
Step-by-Step Guide:
- Visit thegeneral.com
- Enter your ZIP code and vehicle info
- Provide your driving history
- Review your customized quote
The process takes under five minutes and doesn’t require a hard credit check.
Claims Process and Customer Service
Filing a Claim
The General offers multiple channels for filing a claim:
- Online portal
- Mobile app (iOS and Android)
- Phone support
Claims Review Time
Most claims are reviewed within 48–72 hours, with simple claims resolved in under a week.
Customer Support
- Hours: 7 AM–9 PM (CST), Monday to Saturday
- Languages Supported: English and Spanish
Customer Review: “I had to file a claim after a fender bender. The General processed it in just three days, and their customer rep was super helpful!” — Rosa P., Florida
Pros and Cons of The General Car Insurance
Pros:
- Accepts high-risk drivers
- Quick online quotes
- Affordable for many driver profiles
- Backed by a major insurance brand (American Family)
Cons:
- Higher premiums for clean drivers
- Limited discounts compared to other insurers
- Some users report long hold times
How Does The General Compare to Other Insurers?
| Feature | The General | GEICO | State Farm | Progressive |
| High-Risk Driver Coverage | Yes | Limited | Limited | Moderate |
| SR-22 Filing | Yes | Yes | Yes | Yes |
| Mobile App Quality | Good | Excellent | Excellent | Excellent |
| Discounts Offered | Basic | Extensive | Extensive | Extensive |
Verdict:
If you’re considered a high-risk driver, The General may offer better access and pricing. However, for clean records, GEICO or State Farm might be more economical.
Expert Insights on Choosing The General
Dr. Angela Matthews, Insurance Analyst at PolicyScope:
“The General is a lifeline for drivers struggling to get approved elsewhere. While not the cheapest for everyone, its accessibility and flexibility make it worth considering—especially if you need SR-22 support.”
Insurance Tip: Always compare at least three quotes before choosing a policy. Even if The General fits your current profile, other insurers might offer better long-term benefits.
Is The General Right for You?
Here’s a quick decision checklist:
- Have you been denied by other insurers?
- Need to file an SR-22?
- Okay with fewer bells and whistles in exchange for fast approval?
If you answered yes to any of these, then The General might be a solid choice.
Frequently Asked Questions (FAQs)
1. Is The General a real insurance company?
Yes. It’s a licensed insurance agency under American Family Insurance.
2. Does The General offer full coverage?
Yes. You can choose comprehensive and collision in addition to liability.
3. Can I get a policy without a credit check?
Yes. The General doesn’t require a hard credit check for quotes.
4. How fast can I get insured?
In many cases, coverage begins the same day you apply and pay.
5. Does The General offer mobile app access?
Yes. You can file claims, view policies, and pay premiums via the app.
Final Thoughts
The General Car Insurance may not be for everyone, but it’s an essential option for drivers who often face roadblocks with traditional insurers. Its fast sign-up, willingness to accept riskier profiles, and transparent pricing make it a valuable alternative in 2025. If you’re looking for immediate coverage, flexibility, and a no-judgment approach, The General deserves a spot on your shortlist.
Remember: The right insurance is not always the cheapest—it’s the one that fits your unique situation best.
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Always consult with a licensed insurance agent before making any policy decisions.