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The General Overview

Headquartered in Nashville, TN, The General Insurance Company was designed to give those drivers with less-than-perfect records affordable auto insurance. The company operates in 40 of the 50 states, and provides a variety of services, but all premiums cover the minimum requirements of each specific state. The company is part of PGC holdings group, which has been writing auto insurance throughout a large portion of the country for 50 years.

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The Good

Insurance from the General is set up for all drivers, but those with less than stellar records can also receive quality insurance at a somewhat reasonable rate. This means that a majority of drivers will qualify for General benefits. Advantages of General Insurance includes:

Coverage Features:

While the review team’s sample quote includes the bare minimum services required by the driver’s state requirements, policies can be tailored on such points as:

  • Property damage: Yes
  • Bodily injury liability: Yes
  • Uninsured motorist: Yes
  • Personal injury: Yes
  • Collision: Yes
  • Comprehensive: Yes
  • Medical payments: Yes
  • Rental: Yes
  • Emergency road service: Yes

Service Coverage:

The General covers 40/50 U.S states. The 10 states not covered are Delaware, Hawaii, Maryland, Massachusetts, Michigan, Nevada, New Hampshire, New Jersey, North Carolina and Wyoming. The states that do provide coverage will vary in ways of premiums, coverage and other specific rules and state laws.

Price Range:

The site boasts low down payments, and the review team’s price estimates confirm that. However, this quote may be a bit higher for a higher-risk insured driver. Credit scores are also factored in, as are previous accidents (regardless of fault).
For a 27 year old female driving a 2011 Toyota Camry, the price breakdown is as follows:

  • Down payment of $153.53
  • Five future payments of $161.55.
  • The total for the six month premium is $921.00

This quote just covers the minimum state requirements, and additional services such as roadside assistance, property damage and medical payments aren’t included.


The company began selling auto insurance since 1963 under the name Permanent General Agency, giving them more than 50 years of experience in the industry.

Online Policy Access:

The General’s website houses options to renew or change coverage, make a payment online through the automatic bill pay option and receive online customer service support.

Website Helpfulness:

A few minutes on their website will give drivers a free quote customizable to their preferences. Their website also features some help topics at the bottom of the site. Help features include options like Auto Insurance information, state insurance information, insurance basics and a frequently asked questions, (FAQ), page.

The Bad

Since General Insurance works to accommodate drivers with from all backgrounds, they are not able to provide some of the premier features other insurance companies provide. While there are many benefits to the General Insurance business model, there are some drawbacks as well. These include:

File/Track Claims:

Customers cannot file or track a claim online. They must call in by phone to a customer service representative. Representatives are available all day, every day.


There aren’t any discounts provided by The General.

Online Reputation:

The General’s Facebook page was surprisingly low in “likes” with just over 5,000. On the Consumer Affairs website, The General doesn’t hold much better. Out of the 47 people polled, 46 of them gave this company a one-star rating, and the other individual gave a two-star rating.

The Bottom Line

The General Insurance is a great option for those who have driven for an extended period of time without insurance, who have been in accidents, or have had speeding tickets. Not being able to file a claim online can be a headache to some. Many would rather input the specifics about an accident into an online form, rather than possibly waiting on hold to share the information with an agent.

For those who can’t get insurance elsewhere, or who are fine with having ‘just enough’ insurance, this company is a great choice. The website is upfront about its’ costs, coverage and locations. Forty of the fifty states offer insurance coverage from The General, and this service will serve in a pinch.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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